http://forum.lowyat.net/ Fri, 12 Jun 2026 04:29:06 +0800 FeedCreator 1.7.2 http://forum.lowyat.net/topic/2934315 I would like to get your opinion on my finance or anyway to manipulate it<br /><br /><br />My business - Small computer shop<br />Profit +- RM3k - 3.5k (already minus rental, staff, bills)<br /><br /><br />Myexpenses (all for me, wife &amp; 3 children) - 1000<br />car loan - 780 (left 3 1/2 years)<br />petrol - 240<br />car expenses - 200<br />biz loan - rm500 (left 5-6 months)<br />house loan - 400 (left 5-6 months)<br />insurance (for me only) - rm275<br />total : RM3400<br />min payment for cc = rm800<br /><br /><b>LOAN</b><br />1. Citibank (my wife name, CL 22k) : Credit Card RM3000 (pay minimum payment RM150 , annual interest 18%)<br /><br />2. maybank2 (my name, CL 15k) : 11.5k. paid minimum RM650. annual interest 18%. <br /><br />3. House loan - will settle in 5 months. RM400 monthly<br /><br />4. Biz Loan - will settle in 5 months. RM500 monthly<br /><br />5. Family Loan - 13k. no interest. <br /><br /><br />** All loans and credit card usage is for my business. (retail &amp; trading)<br /><br />i&#39;m already start selling collectible online. income from this business currently is around rm500. (target RM1000 in Nov)<br /><br /><br />Thanks in advance to all of you... QSR10 Finance, Business and Investment House Sat, 24 Aug 2013 02:50:00 +0800 http://forum.lowyat.net/topic/1586071 hi all.<br /><br />which shop offer<br />1. good price<br />2. good after sales service<br />3. good promotion item<br /><br />taiping area only.<br /><br />i survey at biosys, price is ok. but new comer in taiping.<br />then i go to new shop also (in front of fajar/the store kamunting). good price also.<br />both are new shop. old shop, price quite high. (differ about rm80).<br /><br />looking for notebook for my younger sister. QSR10 Price &amp; Dealers Guide Sun, 03 Oct 2010 23:20:20 +0800 http://forum.lowyat.net/topic/1568992 hi all.<br /><br />house price = 62k<br />bank value (MV) = 58k<br />lawyer fee = 3k<br />repair cost (painting) = 1k<br />total cost = 66k<br />loan max 90% x 58k = 53k<br />loan taken 50k only / 15 years. monthly rm380.<br /><br />capital = 66k - 50k = 16k<br /><br />rental rate : rm450-rm500 / 99% tenancy<br /><br />other cost <br />- cukai &amp; insurance rm400/year<br /><br /><br />calculation<br />rental : rm450 x 12 = 5400<br />paid to bank = 380 x 12 = 4560<br />other cost = rm400<br />difference = rm400<br /><br />roi 1<br />400/16,000 = 2.5% yearly<br /><br />roi 2<br />(5400-400)/62k = 8%<br /><br />which method is used in property investment? QSR10 Property Talk Mon, 20 Sep 2010 21:31:24 +0800