Lowyat.NET: Latest topics by rantao333

[WTS] Brand New Seasonic S12II 80+Bronze 620w

rantao333 — Wed, 01 Jul 2015 18:23:29 +0800

Item(s): Seasonic S12 II Bronze 620w

Package includes: All in the Sealed Boxes

Price: RM279

Warranty: As Seasonic promise

Dealing method: COD

Location of seller: PJ (ss2, uptown, Kota damansara, One utama)

Contact method/details: PM

Age of item: Brand new

---

Item(s) conditions: 100% new

Picture:
[attachmentid=4527501]
[attachmentid=4527502]

Reason for sale: Extra

[wts] Garage Sales, SteelSeries Mouse & others!

rantao333 — Mon, 14 Jan 2013 20:16:54 +0800

Item(s):

Name: SteelSeries Kinzu Optical Mouse Braided cable
Package: With box, everything like new
Age: 1 Year, use less than 1 month, not suitable for my hand.
Price: RM 90

Name:1. SOLD Cooler Master hyper 101 cpu cooler
Package: with box
Age: less than 1 year
Price: SOLD RM 39

2. SOLD Gigabyte power rock 500w
Package: with box
Age: less than 1 year
Price: SOLD RM 129

3. Thermaltake mars cpu cooler
Package: with box, for LGA 775
Age: never used, no more warranty
Price: RM 35

4. intel core i5 original cooler
package: cooler itself, LGA1155
Age: 2 year
Price: RM 25

5. SOLD Asus DVDrw rom
Package: Dvd rom itself
Age: 2 year +
Price: SOLD RM40

6.Samsung Dvdrw rom 24x
Package: Dvd rom itself
Age: 2 year +
Price: RM40

Dealing method: COD/ Postage

Location of seller:KL/PJ

Contact method/details: PM

SERIOUS BUYER GOT DISCOUNT!!

---

Reason for sale: Extra

MRTA vs MLTA

rantao333 — Tue, 08 Jan 2013 20:53:43 +0800

i have recently come across between MRTA vs MLTA , base on some calculation with inflation adjusted, i found that MRTA is actually more convincing?? am i wrong ??

House: 350K
LOAN: 225k
BLR: 6.6 - 2.4 = 4.2
Tenure: 38 years
MRTA = RM10k lump-sum absorb into loan
MLTA = RM2190/year for 225k coverage

so lets say i put mrta absorbed into loan, with interest total amount will be rm20032, yearly paid 527.16, monthly 43.93, but infact im not paying that much as inflation goes around. my yearly installment is not worth that much.

1st year = 527.16*0.96 (4% inflation averag) = 506.67
2nd year = 527.16*0.96^2 (4% + 4% next year) = 485.83
3rd year = 527.16*0.96^3 ( 3 yrs inflation add together) = 466.40
4th year = 527.16*0.96^4 = 447.74
5th year = ......... = 429.83
.. = ...
.. = ...
.. = ...
38th yera = ....... = 107.28

actualy value of money ( inflation adjusted) = RM9444.727 actual value of paid amount.

as there is no return money when loan end, my actual loss will be as below.

= RM9444.727

COMPARE to MLTA

1st year = 2190*0.96 (4% inflation averag) = 2102.4
2nd year = 2190*0.96^2 (4% + 4% next year) = 2018.3
3rd year = 2190*0.96^3 ( 3 yrs inflation add together) = 1937.57
4th year = 2190*0.96^4 = 1860.7
5th year = .........
.. = ...
.. = ...
.. = ...
38th yera = ....... = 464.25

actualy value of money ( inflation adjusted) = RM39315.62 actual paid value for MLTA

in the end of loan, get back the total amount of paid money.
2190*38 = 83220 in year 38/ inflation adjusted (83220*0.96^38) = RM24,454.83 actual value money in yr 38

actual loss : actual paid value - actual received in yr38 = RM39315.62 - RM24454.83 = RM14860.7

so compare to MRTA vs MLTA, MLTA is actually loss of value of money as MRTA only loss about 9444.72 whereby MLTA even get back the moeny, after adjusted still loss of 14k!!

further more, the extra money i save yearly in choosing MRTA (2190 vs 527.16), rm1662.84 yearly, i can buy some life insurance which also act like MLTA / invest in saving plan, stock market, mutual funds etc. OR even more put back into my loan principle to finish my loan tenure faster.

im now confuse , pls share wif me any idea u guys think

Looking for Best Housing Loan!

rantao333 — Wed, 26 Dec 2012 16:05:57 +0800

Hi, im currently stay in KL, but i recently just book a house in Ipoh. and this is my 1st house

i wana ask sifu here whats the best housing loan available in the market now?

im looking for a 200k loan.

and whats is the benefit of flexi loan and term loan?

thanks you !

HELP! problem wif bottleneck processor

rantao333 — Thu, 13 Sep 2012 21:00:19 +0800

HI, i just brought a GTX 570 to replace my old 4850 and i found that my GPU is bottleneck by the CPU e8200 @ 2.66ghz

so i just raise the FSB from 333 to 400mhz, and it goes to 3.2ghz without raising any voltage, temperature OK, gaming, prime95 so far all stable,

BUT the problem is even wif 3.2ghz , when running game, my CPU still utilize 100% all the time, and i think it still not sufficient.

so my questions is

1, can i just increase the FSB to like 450hz without raising the VID/voltage?

2, if canot, whats should i do the increase FSB? i heard some said increase the RAM speed too, like timing etc kind of thing

sorry im total newbie in overclocking.

Malaysia Average Salary Survey

rantao333 — Mon, 14 May 2012 15:50:00 +0800

lets see how much your position are earning , by doing the survey without register.

check through this website
http://www.averagesalarysurvey.com/article...a/24201422.aspx

mine one are below than average!

CS 1.6 auto precision turn on?

rantao333 — Wed, 03 Aug 2011 23:01:01 +0800

May i know how to turn off Cs 1.6 enhanced precision turn on automatically?

i currently using Steelseries ikari optical and the window enhanced precision auto turn on even i already turn off outside the windown, it really annoying

im noob in this, can some one pls teach me step by step?

btw,
im using
20 inches 16:10 LCD monitor
refresh rate = 60hz
DPI = 96 dpi

Cs version : official Steam version

[addedon]August 3, 2011, 11:53 pm[/addedon]i just get it,

download any of cs 1.6

then c8 a shortcut of cstike.exe ( must have shortcut)

then right the shortcut > properties> shortcut tab

at "target" there add this command at behind ( -noforcemaccel -noforcemparms -noforcemspd ) , will be like tis (E:\cs digitalzone\cstrike.exe" -noforcemaccel -noforcemparms -noforcemspd)

the problem should be solve.

Looking for Laminated flooring products.

rantao333 — Mon, 07 Jun 2010 01:20:03 +0800

hi, i am doing a report for my boss regarding the laminated flooring that will be used in our coming project at Kelantan, since we had never used any timber flooring b4, does any one here that supply these material and coming with installation?

i know that there are different kinds of timber flooring in the market, and im looking for laminted one..

i would like to know how much per square feets as wll as the specs.

please feel free to leave PM for me and dun forget ur contact method.