N82 vs HTC Legend Comparison

Recently, I bought a new HTC phone. Previously I used Nokia N82.
After 2 weeks of using the new phone, you know, well, I always compare the new set with old during the transition period.

Several concerns are listed inside the table above. And, I notice that new phone not really new, I mean totally. Good function, not matter in hardware or software, it is still a big room for HTC to improve.

So, I only buy my handset while there is a new innovation or breakthrough.

I recalled that I bought N82 because I need to use the GPS during the Europe visit. As expected, it never failed me by the time I explored Berlin City and Leipzig by my own.

Now, I bought HTC Legend...emm not because of HTC, not because of touch screen. But I think, I wanna try the Android 2.1. HTC is not yet up to my expectation.

Significantly, N82 has stronger hardware specification than HTC Legend e.g. camera xenon flash, secondary camera, TV/Audio output etc even I compared this so-called newer phone Legend with older phone N82. As a result, N82 scores 47/64 while Legend scores 33/64.

I divert other site for the OS comparison. You can check the table for a better understanding of the current smart phone OS evolution.

iPhone OS usage is limited to iPhone only, compares to Windows Mobile 7 and Android - they are used by most phone in the market. Android application number is drastically increased.

Android is an open-source platform while WM7 is not. Strong back up of Google applications for Android is an advantage e.g. Goggle, Shoper, Sky, Map, GMail, NAV Launch, Translate, GDoc etc. These application makes your smart phone smarter.

Tips: if you just bought an Android phone - a very first step is setup your Gmail/Hotmail/Live, Facebook/Flickr/Twitter/Plurk and your contact. It will link the contact by it own automatically. Second, seek Google applications in the Android Market. Then, install them to your phone.

Personal Loan business at Malaysia: Easy by RHB - Easy Pinjaman Ekspres Annualized Percentage Rate Analysis

Source: http://www.rhb.com.my/easy/easy_pinjaman_ekspres.html

Personal Loan business at Malaysia

Bring along your MyKad and head to the nearest Easy branch to apply for a personal loan and obtain instant approvals and loan disbursement.

.Unique features:

• No documentation required, but MyKad
  
• On-the-spot approval and disbursement in less than 10 minutes
• Flexible Personal Financing amounts from RM2,000 to RM50,000
• Low monthly installment amount from less than RM60 per month
• Flexible loan repayment tenure of up to 5 years (60 months)

However, does borrower aware about the APR (annualized Percentage Rate) before taking the plan?
You might be shocked that legalized finance institution in Malaysia charges for an extrem high APR to borrower. In the US and the UK, lenders are required to disclose the APR before the loan (or credit application) is finalized. Let us have a brief of basic understanding of APR.


1st method in Excel:

Effective APR = rate(nper,pmt,pv,fv,type)

Example 1: for a 12-month-repayment loan of RM2,000 borrowing with RM189 monthly installment.

Effective APR = 12*rate(12,-189,2000,0,0) = 23.88% p.a.

Example 2: for a 48-month-repayment loan of RM8,000 borrowing with RM196 monthly installment.

Effective APR = 12*rate(48,-267,8000,0,0) = 25.39% p.a.

Result of the effective APR is tabulated as table below:
Discussion: Max=25.39%p.a, Min=20.97%p.a

2nd Method in Excel:

Effective APR calculation uses Excel's xirr method.

Example 1: for a 12-month-repayment loan of RM2,000 borrowing with RM189 monthly installment. Assuming Borrower obtained RM2,000 from Lender on 1-Jan-10. Borrower starts his installment amounted RM189 for 12 months begin from 1-Feb-10 to 1-Jan-11.

xirr = 26.80%p.a

Example 2: for a 48-month-repayment loan of RM8,000 borrowing with RM196 monthly installment. Assuming Borrower obtained RM8,000 from Lender on 1-Jan-10. Borrower starts his installment amounted RM 196 for 48 months begin from 1-Feb-10 to 1-Jan-14.

xirr = 28.59%p.a

Discussion: Max=28.59%p.a, Min=23.13%p.a


Emm...good business. somemore, it is legal but it is a kind of customer exploitation.

Investment Planning: Asset Relocation 5 (Sharpe Optimization via Excel Solver)

This is the June-2010 Sharpe optimization.

Current Portfolio: Return = 3.28%, STDEV = 4.21%, Sharpe = 0.7471
Optimized Portfolio: Return = 3.44%, STDEV = 2.68%, Sharpe = 1.210
Solver improvement: Significant improvement on the STDEV results better sharpe ratio

Scenario 1: What happen if I invest EPF RM13,000 into PRSF?
Return = 3.22%, STDEV = 3.98%, Sharpe = 0.7573
No significant improvement on sharpe. However, EPF money is limited to invest in selected fund e.g. PRSF.

Scenario 2: What happen if I invest Cash RM13,000 into LPI?
Return = 3.30%, STDEV = 3.97%, Sharpe = 0.7773
No significant improvement on sharpe.

Scenario 3: What happen if I relocate RM13,000 from Genting to LPI?
Return = 3.38%, STDEV = 3.98%, Sharpe = 0.7960
No significant improvement on sharpe.

Scenario 4: what if I follow as per optimized?
Return = 3.44%, STDEV = 2.68%, Sharpe = 1.210
Significant improvement on sharpe. The result gives me a shock. 5-component-portfolio gives a better sharpe ratio than 13-component-portfolio. I might make a lot of mistakes that believe on investing more stocks will dilute the risk as the number of stock increases. My possible mistake in the past may be adding too many components that not really "diluting" the risk.

As I learn from here, risk-return research must be studied after the stock picking from fundamental selection. It is because you never know the characteristic of your good fundamental stock in helping the risk dilution or risk concentration.