Lowyat.NET: Latest topics by LiteBulb

sold

LiteBulb — Fri, 02 Apr 2021 11:23:37 +0800

sold

LiteBulb — Fri, 20 Dec 2019 12:22:23 +0800

sold

LiteBulb — Fri, 07 Dec 2018 14:49:37 +0800

sold

[BBMug] - BlackBerry Messenger usergroup

LiteBulb — Fri, 23 Dec 2011 17:39:06 +0800

get you mugs together!

BBMug is currently active! join us and be a BBMugger!

i am no longer in the group. hence, dont need to pm me. leave you PIN here and hopefully, BBMuggers will get you invited.

closed

LiteBulb — Thu, 27 Oct 2011 09:50:41 +0800

closed

email setting application

LiteBulb — Fri, 02 Sep 2011 00:46:34 +0800

any of you have this problem where the email setting application will open automatically after a device reset?

where to get 2032 battery?

LiteBulb — Thu, 17 Dec 2009 09:31:06 +0800

am trying to source for this 20mm 2032 3v battery. can shed lights on where to get?

thanks.

how to differentiate ori car key casing?

LiteBulb — Tue, 01 Dec 2009 14:09:25 +0800

hi ppl, just a quick one.

i bought a set of uncut car key that comes with the remote casing from proton for my satria neo. i had the key duplicated at this shop but they screwed it up. no longer usable. they are willing to replace it with a brand new uncut one one for me, for which they claimed is ori.

just to be sure, i want to know if they are replacing it with the ori casing (i think the key is fixed to the remote casing). so, how do i differentiate the ori from the compatibles? from visual, both looks the same to me.

of course, if the ori and compatible looks and functions the same, it should not bother me, but i paid for ori, so am not settling for compatible.

reusing door visor

LiteBulb — Thu, 19 Feb 2009 15:27:11 +0800

one of my door visor fell out, i think its because of old age of the adhesive. i have cleaned out the adhesive from the car and the visor. now, for adhesive power, if i were to use those acrylic 3M tapes to stick it, how do i shape the tape to go along the visor?

my visor is curve from front to back. can those sticky tape be shaped according to the visor without cutting?

Personal loan vs credit card cost.

LiteBulb — Fri, 19 Dec 2008 13:15:28 +0800

I have done some calculations, in comparing personal loan vs credit card. We often see advertistment such as "Personal loan as low as 8% to 10& per annum compared to credit card at 18% per annum. However, does personal loan really give you the benefit of a lower interest payment compared to credit card?

Please refer to my computation below:

Credit card
Principal: RM10,000
Monthly principal repayment: RM400 (add interest incurred to this amount)
Interest rate: 18% per annum / 1.5% monthly
Tenure to full settlement: 24 months
Credit card interest will be based on daily balances, but interest is compounded monthly.

Total interest payment at the end of 24 months: RM1,944
Effective interest rate at the end of 24 months: 19.44%

My computations (pasted 4 months only. I can send you the excel worksheet if interested):

Principle 10000 9600 9200 8800
Interest rate p.a. 1.50% 1.50% 1.50% 1.50%
Principle repayment 400 400 400 400
Interest payment 150 144 138 132
Total payment 550 544 538 532
Balance 9600 9200 8800 8400

Personal loan
Principal: RM10,000
Monthly repayment: RM513
Tenure to full settlement: 24 months
Personal loan is on a fixed payment, and you cannot pay more or less as and when you like.

Total interest payment at the end of 24 months: RM2,312
Effective interest rate at the end of 24 months: 23.12%

My conclusion: Personal loan may "looked" as if the interest rate is way lower than credit card, but in the end, it is the effective interest rates that matters.

Can I have some gurus to clarify my findings? The purpose of me doing this is for me to manage my financials better and I want to be clear that the above assumptions are true before I make any decisions.

To Gurus. Personal loan vs Credit card cost.

LiteBulb — Fri, 19 Dec 2008 12:54:35 +0800

[MOVED]