Lowyat.NET: Latest topics by administrators

Bank offered me 3.7% cash advance

administrators — Tue, 12 Jun 2018 12:54:21 +0800

hi all sifus, this morning my credit card bank called and offering me RM100k with 3.7% interest rate for 3 years repayment
below is the scenario

1. i have a housing loan with 1mil loan @ 4.5% interest, under flexi loan, so imagine 1 year bank is charging me RM45k
2. now that i have 100k for credit card bank, i will put this fund into my flexi loan account
3. now credit card bank is charging me RM3700 for the next 3 years
4. while for the next 3 years, my housing loan bank is charging me RM40500, so i saved RM4500
5. in short, i am making RM800 saving each year for the next 3 years

* i understand that housing loan is reducing each year, i am assuming its reducing kinda slow especially i am at the beginning of loan now, most of the repayments go to interest and only little will go to premium

can anyone confirm my calculation above is correct, and its safe to take up the cash advance?

Documentation of Software Testing

administrators — Tue, 07 Mar 2017 15:00:54 +0800

hi all software testing sifu, recently i am moving into a new role and working on some testing documentations, i got so confused with the following documents, can u pls help me by telling the differences of these documents?

test approach
test strategy
test plan
test case
test script

[WTA] RPGT Calculation

Thu, 01 Jan 1970 07:30:00 +0800

[WTA] RPGT Calculation

administrators — Sun, 26 Jul 2015 09:22:49 +0800

i bought a property in year 2010, signed the S&P in October 2010, VP by early January 2011

is the following calculation correct?

First year - 30% - Oct 2010 to Sep 2011
Second year - 30% - Oct 2011 to Sep 2012
Third year - 30% - Oct 2012 to Sep 2013
Forth year - 20% - Oct 2013 to Sep 2014
Fifth year - 15% - Oct 2014 to Sep 2015

which means if I sell my house by October 2015 onwards I don't have to pay any RPGT?

any sifu please advise... thanks!