## Gambar-gambar 2011 MyVi

MyVi generasi ke-2 telah dilancarkan semalam.

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Dashboard:

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## Mari Memandu Volvo S80

Right, here’s the deal – Volvo Car Malaysia has a bargain in store for you if you’ve been eyeing the top-of-the-range S80 2.5T.

For a limited time only, Volvo’s authorised dealers are offering limited units of the 231 hp, 340 Nm beast at a special price. The company isn’t divulging what the price is, so you’ll have to find out more by heading over to the showroom. Do polish your negotiating skills – no two deals are going to be quite alike, given the fact that you’ll probably be trading in your old car for the purchase, that sort of thing.

To find out more, call or visit the participating authorised dealers, which are:

• Swedish Marque’s showroom in KL (1800-88 2222 / 03-9236 2822),

• Federal Auto showrooms in Kuala Lumpur, Selangor, Penang, Ipoh, Malacca and Johor Baru (03-2274 9300).

• In Sabah, contact the Volvo Gallery in Kota Kinabalu (088-485 544).

## Harga Petrol RON97 Naik 20 sen lagi

Bagi mereka yang memiliki kereta yang memerlukan minyak petrol RON97, kenaikan sebanyak 20 sen mungkin tidak memberikan impak yang besar. Sebab anda pasti tergolong dalam kalangan mereka yang mampu. Kalau harga RON95 yang naik, pasti ramai yang terkena impaknya, sebab saya percaya lebih 90% pemilik kenderaan menggunakan RON95 atau diesel.

## Jalan-jalan dengan Porsche 911

Penat dengan hal-hal kewangan. Berehat sejenak, kagum dengan teknologi Porsche 911.

A new generation Porsche 911 is said to be ready for unveiling this year, and the final version of the 997 is this, the GT3 RS 4.0. It’s quite a send off, as this latest GT3 RS gets a bigger 4.0-litre engine, 50 extra horsepower from the flat-six, improved downforce and a production run of just 600 units, which makes it rather special.

As usual, the track inspired GT3 RS uses a naturally aspirated flat-six engine, but capacity is up to 4.0L from 3.8L. It wasn’t lacking in performance with 450 hp and 430 Nm, but figures have jumped to 500 hp at 8,250 rpm and 460 Nm at 5,750 rpm – amazing for an NA engine. This highest displacement 911 engine ever uses forged pistons, titanium connecting rods and the crankshaft of the 911 GT3 RSR race car.

To trim weight, carbon fibre sport bucket seats, front fenders and luggage compartment lid are standard, along with “weight-optimised carpets”. Without a fat driver, the RS tips the scales at 1,360 kg with a full tank of fuel.

Aero wise, air deflection vanes mounted on either side of the front bumper – called ‘flics’ or dive planes – make their first appearance on a production Porsche. They create increased downforce on the front axle, and together with the steeply inclined rear wing, provide “aerodynamics on par with its performance capabilities”. As a result, at the 311 km/h top speed, aero forces exert an additional 190 kg of downforce.

With all of the above, it can lap the Nürburgring-Nordschleife in 7 minutes and 27 seconds, beating the old car’s 7m33s. With the sole option of a six-speed manual gearbox, the RS 4.0 sprints from 0-100 km/h in 3.9 s, and with gearing designed for the circuit it reaches the 200 km/h mark in under 12 seconds. The outgoing car did 0-200 km/h in 13.3 sec.

What a send off! More pics after the jump.

## Tiada Lagi Speed Trap

Satu langkah untuk menuju negara maju dan ke arah masyarakat yang lebih bertamadun. Memberi peringatan, bukannya memerangkap pengguna jalan raya seperti penjenayah.

The days of speed trap ambushes to catch unsuspecting motorists are over, according to Deputy Inspector-General of Police Datuk Khalid Abu Bakar.

Yes, guile – and there certainly has been enough of that, from locating the guns in the most unimaginable places (sitting in drains just off the highways, among them) to the use of camouflage in the past – is being replaced by transparency. Simply put, motorists will be warned about impending speed traps ahead.

“We should not be hiding behind bushes. We should come out in the open and enforce the law,” Khalid said. The directive to stop the ambushes has been issued, he added, saying that signs would be set up before the speed trap or roadblocks to warn the motorists beforehand.

Of course, the big question is the affect it will have on generated revenue – since September 2009, the police has issued summons to more than 2.5 million motorists, primarily from speed traps and speed cameras, and from 2000 to 2008, outstanding summons added up to RM2 billion, certainly not an insignificant amount. Still, the move towards a wider scale implementation of automated speed camera systems should continue the effects of enforcement, just in a different, indirect manner.

It’s a step forward in the right direction, this direct method of enforcment sans subterfuge. Undoubtedly, public education on the perils of speeding and working towards observing the designated speed limits will still take a long while to accomplish, but the removal of the cat-and-mouse game is certainly a welcome move. What do you think this move will accomplish, if any?

SOURCE: paultan.org

## Calculation of Rebate for Fixed Rate Financing

**Please see example below for the calculation.**

You borrow RM50,000 for a personal loan or hire purchase (fixed rate loan).

After paying for 5 years, or 60 months of installments, you would like to pay off your loan (full settlement). So you will get rebate for the remaining 24 months (84 months – 60 months).

The calculation of rebate is as follows:

*source: Bank Negara Malaysia*

## Calculation of Hire Purchase Loan

Hire purchase loan is a contract which the buyer become the hirer and the bank or financier financing the goods (example: car) become the owner. You’ll be paying installment to the bank for duration as agreed in the contract, while you’ll have the possession of the car, not the ownership. As soon you have finish paying all installment, the ownership will be transferred to you.

(Note: Islamic loan use the same method of calculation as hire purchase loan)

How they calculate the interest?

Loan amount × Interest × Number of years = Total Interest

How to calculate the monthly installment?

(Loan amount + Interest) ÷ Number of months = Your monthly installment

Let’s look at an example.

Mr. Ali Babu Cheng (aka Mr. ABC) bought a brand new car for $55,000. He used $5,000 from his savings for the car down payment. He took a hire purchase loan from Iwantyourmoney Bank (aka IWYM Bank) for the balance $50,000. IWYM Bank charge an interest of 5% and the loan tenure is 5 years.

Total Interest = $ 50,000 × 5% × 5 years

= $ 12,500 (Total interest charged)

Monthly Installment = ($ 50,000 + $ 12,500) ÷ 60 months

= $ 1041.67 (The amount Mr. ABC have to fork out every month)

Every month when you make payment, part of the installment will be used to pay interest and another part to settle the principal amount. So, next question my fellow students, what is the amount of interest paid for the 1^{st} year by Mr. ABC?

Most people might calculate this way,

Total interest ÷ 5 years = Yearly interest charged

So, the interest paid by Mr. ABC for the 1^{st} year is, $12,500 ÷ 5 = $ 2,500 and interest portion paid per month, $2,500 ÷ 12 = $208.33

That’s what a lot of people think, but the truth is its totally wrong.

Get ready, it’s rather complicated. Here is how it’s calculated,

Step 1:

Add all number from1 until number of ‘Total months’. Let’s call it sum of months.

Example:

Total months= 60

Add all the numbers from 1 to 60.

60+59+58+57+56+…….+5+4+3+2+1=1830 (Sum of months)

The short cut to calculate this is,

(Total months + 1) × (Total months ÷ 2) = Sum of all number from 1 to ‘Total Months’

The same example by using the short cut,

(60+1) × (60 ÷ 2) = 1830 (Sum of months)

Step 2:

((Total month + 1) – N^{th} month) ÷ ‘Sum of months’ × Total Interest charged = Interest portion for Nth month.

Example:

For 1^{st} month of payment, the interest portion is:

((60+1) – 1)÷ 1830) × $12,500

= 60$ 409.836.

For 32^{nd} month of payment, the interest portion is:

((60+1) – 32) ÷ 1830) × $12,500 = $ 198.09

Step 3:

Now to find the 1st year interest paid by Mr. ABC’s on his loan, add interest portion from month 1 to month 12.

(60+59+58+57+56+55+54+53+52+51+50+49) ÷ Sum of months × Total Interest

= Interest for first year.

So,

654 ÷ 1830 × $12,500 = $4,467

That’s 35.7% of your total interest.

As you can see, instead of paying the interest equally, you are paying the most in the first year.

**What is rebate?**

When you have paid fully earlier or would like to settle earlier, you’ll be given a rebate on your interest. Don’t think that you have some discounts on your interest. It’s just a term without any value used to calculate the balance you have to settle. Let me explain in the below example.

Mr. Dhandhum took a hire purchase loan of $50,000 to buy a car. He took it for 5 years with an interest of 5%. He planned to settle the loan within 3 years. At the end of 3rd year, he decided to settle his loan. What would be his total rebate? How much balance he has to pay?

His total loan is $62,500 including interest.

At end of 3rd year, his rebate would be his unpaid interest portion.

So his total rebate = Interest for year 4 and year 5.

= $1,516 + $533

= $2,049

Balance to settle loan = Total loan with interest – Total installment paid – Total rebate

= $62,500 – ($1041.67 × 36 months) – $2,049

= $62,500 – $37,500.12 – $2,049

= $22,980.88

Did you notice something? If you pay your 5 years loan in 3 years, the total interest paid is higher than a 3 year loan.

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