SUNWAY DIPLOMA STUDIES

BUSINESS MATHEMATICS AND

STATISTICS
(BM 4013)

GROUP ASSIGNMENT

Prepared By : Me
Programme : DACC / DFIN
Batch No. : 201803

Prepared for : Ms May Lee Geok Mui

Task 1 Choose A Career/Job
Company Gross Salary Remark
Wealthpachira Service RM3000 I accept this company because it
Delivery Sdn Bhd got many benefits that attractive.
(Telemarketing)
EPS Malaysia (Recruitment RM2500 I reject this company because the
Consultant) place is difficult to find parking.

Erikids Pre-school RM1000 I reject this company because its

(Mandarin teacher) salary did not achieve my
expectation.

The Beato Sdn Bhd RM1800 I reject this company because it

(Waitress) need work until 12am from
Monday until Sunday.

KL Supreme Group RM2000 I reject this company because it

(Accounts assistant) needed at least 1-year experiment.

Kings college (Marketing RM3000 I reject this company because it

manager) wanted employees willing to
travel.

Peltech Filtration Sdn Bhd RM2200 I reject this company because it

(Sales executive) wants employee willing to travel.

Public Mutual Berhad RM6000 I reject this company because it

(Uni trust consultant) needs employees travel at
nationwide.

Reeracoen Malaysia Sdn RM3000 I reject this company because it

Bhd (Account manager) need experience for working.

My Jet Xpress Sdn Bhd RM2800 I reject this company because its
(Account executive) location is too far from Shah Alam.
 I prefer to work with Wealthpachira company because it is a telemarketing job. The

salary of this job is RM3000 per monthly. This company has many work benefits. The benefits

including EPF, SOCSO. The other benefits in this company is flexible scheduling of working

hours, monthly perfect attendance award, monthly team activities and monthly team lunch. In

addition, it provides annual company trip, annual company dinner, annual bonus and annual

increment.

The company background of Wealthpachira Service Delivery Sdn Bhd established in

2017, at Kuala Lumpur, Malaysia. The company aim to provide excellent service to our clients.

They are providing customer care, technical support, customer acquisition, customer retention

management, analytics, back-office and other specialized services to ensure consistently

positive customer interactions. The company strength is having professional customer care

teams who are expert in Mandarin language and specialize in China market.

The job responsibility is to enjoy making outbound calls to all potential prospect. Other

than that is persuade potential customers to purchase a product or services, explain product or

services in detailed and must answer enquiries from the customers related to sales presentation

to meet sales target consistently based on the project assigned.

The job requirements are to managing calls and emails, in fast-paced service or retail

industry is an added advantage. Fresh graduates are welcome to apply. The employees must be

self-motivated, empathetic, calm and customer focused. Employees must possess a good

command of mandarin. In addition, it must passionate about customer services, enjoy

interacting with people, communicate well and have desire to improve the experience of our

customers. Besides, employees should build trustful relationships, problem-solving and

negotiation. It also must be able to work in shift.

I will select the part time job names Job Talent SDN BHD company. This job is

temporary job because it only needs to work 3 until 6 months. The estimate monthly income

of this job is RM1300.This company got 4 types of jobs, it is account assistant, administration

assistance, data entry clerk and customer service job.

I will select this full time job because it got many benefit to the employees. I will select

this part time job because one of the reason is it company got many choices to choose and it

provided job training.

EPF: RM3000 x 11% = RM330
RM3000 x 13% = RM990
RM330+RM990 = RM720

SOCSO: RM3000 x 0.5% = RM15

RM3000 x 1.75% = RM52.50
RM15+RM52.50= RM67.50

TOTAL: RM3000-RM720-RM67.50 = RM2212.50

TOTAL part time and full time after deduction:
RM2212.50

After the Gross salary have been deducted for EPF and SOCSO, the net salary have become
RM2212.50
 Task 2 Buy A Car

NAME OF CARS PERODUA MYVI H 1.5H 2019 NISSAN ALMERA 1.5 E Sedan

PRICE OF THE RM50,200 RM53,000

CARS
CONDITION NEW CAR NEW CAR

BANKS PUBLIC BANK AND AM BANK

INVLOVED
BANK RATES PUBLIC BANK: 3.13% PUBLIC BANK: 2.84%
AM BANK : 3.05% AM BANK : 3.34%
DOWNPAYMENT RM50,200X10% = RM5,020 RM53,000X10% = RM5,300

MONEY RM45,180 RM47,700

LOANED
MONTHLY PAYMENT

NUMBER OF
PAYMENT WITH
PUBLIC BANK
5 𝑆 = 𝑃(1 + 𝑅𝑇) 𝑆 = 𝑃(1 + 𝑅𝑇)
 = RM45,180(1+0.0313 X 5) = RM47,700(1+0.0284 X 5)
=RM52,250.67 ÷ 60 months = RM54,473.40 ÷ 60 months

=RM870.84 =RM907.85
7 𝑆 = 𝑃(1 + 𝑅𝑇) 𝑆 = 𝑃(1 + 𝑅𝑇)
= RM45,180(1+0.0313 X 7) = RM47,700(1+0.0284 X 7)
= RM55,078.94 ÷ 84 months = RM57,182.76 ÷ 84 months

=RM655.70 =RM680.75
9 𝑆 = 𝑃(1 + 𝑅𝑇) 𝑆 = 𝑃(1 + 𝑅𝑇)
=RM45,180(1+0.0313 X 9) = RM47,700(1+0.0284 X 9)
= RM172,452.06 ÷ 108 months = RM59,892.12 ÷ 108 months

=RM536.18 =RM554.56
NUMBER OF
PAYMENT WITH
AM BANK
5 𝑆 = 𝑃(1 + 𝑅𝑇) 𝑆 = 𝑃(1 + 𝑅𝑇)
=RM45,180(1+0.0305 X 5) =RM47,700(1+0.0334 X 5)
= RM52,069.95 ÷ 60months = RM55,665.90 ÷ 60 months

=RM867.83 =RM927.76
7 𝑆 = 𝑃(1 + 𝑅𝑇) 𝑆 = 𝑃(1 + 𝑅𝑇)
=RM45,180(1+0.0305 X 7) =RM47,700(1+0.0334 X 7)
= RM54,825.93 ÷ 84 months = RM58,852.26 ÷ 84 months

=RM652.69 =RM700.62
9 𝑆 = 𝑃(1 + 𝑅𝑇) 𝑆 = 𝑃(1 + 𝑅𝑇)
=RM45,180(1+0.0305 X 9) =RM47,700(1+0.0334 X 9)
= RM57,581.91 ÷ 108 months = RM191,086.20 ÷ 108 months

=RM533.17 =RM574.43
NAME OF CARS 1995 PERODUA KANCIL 659 600 GX NISSAN SENERA 2.0 HIGH WAY
HATCHBACK MANUAL STAR MVP
PRICE OF THE RM3,900 RM38,800
CARS
CONDITION SECOND HAND SECOND HAND

BANKS PUBLIC BANK AND AM BANK

INVLOVED
BANK RATES PUBLIC BANK: 4.1% PUBLIC BANK: 4.05%
AM BANK : 3.66% AM BANK : 3.40%
DOWNPAYMENT RM3,900X10% = RM390 RM38,800X10% =RM3880

MONEY RM3,510 RM34,920

LOANED
MONTHLY PAYMENT

NUMBER OF
PAYMENT WITH
PUBLIC BANK
5 𝑆 = 𝑃(1 + 𝑅𝑇) 𝑆 = 𝑃(1 + 𝑅𝑇)
= RM3,510(1+0.041 X 5) = RM34,920(1+0.0405 X 5)
= RM4,229.55 ÷ 60 months = RM41,991.30 ÷ 60 months

= RM70.49 = RM699.86
 7 𝑆 = 𝑃(1 + 𝑅𝑇) 𝑆 = 𝑃(1 + 𝑅𝑇)
= RM3,510(1+0.041 X 7) = RM34,920(1+0.0405 X 7)
= RM4,517.37 ÷ 84 months = RM44,819.82 ÷ 84 months

= RM53.78 = RM533.57
9 𝑆 = 𝑃(1 + 𝑅𝑇) 𝑆 = 𝑃(1 + 𝑅𝑇)
= RM3,510(1+0.041 X 9) = RM34,920(1+0.0405 X 9)
= RM4,805.19 ÷ 108 months = RM47,648.34 ÷ 108 months

= RM44.49 = RM441.19
NUMBER OF
PAYMENT WITH
AM BANK
5 𝑆 = 𝑃(1 + 𝑅𝑇) 𝑆 = 𝑃(1 + 𝑅𝑇)
= RM3,510(1+0.0366 X 5) = RM34,920(1+0.0340 X 5)
= RM4,152.33 ÷ 60months = RM40,856.40 ÷ 60 months

= RM69.21 = RM680.94
7 𝑆 = 𝑃(1 + 𝑅𝑇) 𝑆 = 𝑃(1 + 𝑅𝑇)
= RM3,510(1+0.0366 X 7) = RM34,920(1+0.0340 X 7)
= RM4,409.26 ÷ 84 months = RM43,230.96 ÷ 84 months

= RM52.49 = RM514.65
9 𝑆 = 𝑃(1 + 𝑅𝑇) 𝑆 = 𝑃(1 + 𝑅𝑇)
= RM3,510(1+0.0366 X 9) = RM34,920(1+0.0340 X 9)
= RM4,666.19 ÷ 108 months = RM45,605.52 ÷ 108 months

= RM43.21 = RM422.27
 My selection for the car will be Perodua Myvi H with 1.5H with the price of RM50,200.

I have chosen this car because of its affordability. The down payment for this car is 10% from

its price which is RM5,020 and the rest of RM45,180 are borrowed from Am Bank. The reason

why Am bank was chosen because of its low interest rates, 3.05%. In addition, the loan tenure

I prefer is 9 years because with 9 years I will be able to pay a monthly payment of RM533.17

with the interest to the bank. I do not only have car loan, but I also have house loan to pay off.

Therefore, choosing 9 years is the best option as it would not cause high financial stress for me

financially. Another reason why I pick Mayvi and not kancil, Senera and Almera because of

my own taste and preference. For example, Almera have many rumours about it being a bad

quality car, and Kancil is too cheap so I would be willing to buy more expensive for the better

quality car and comfort, Senera will be very risky as I never drove a big vehicle. As a result, I

prefer Myvi because of its size and qualities.

The modal of car is Perodua Myvi H 1.5 H. The colour of the vehicle will be black

because if I hit anything it would not be visible to the eyes. This car contains a lot of new

features such as seat belt reminder, sensor at the front and the back to prevent collisions when

reversing and air bags. Moving on, the feature that make convince me the most is the new

feature such as A.S.A (Advance safety assist) it helps the driver to curb accident by

automatically stopping the car. When the car is very close to other cars and the accident is

likely to happen the A.S.A will abruptly stop the car so collision can be prevented or when

traffic light turns green the car will give a warning ‘beep’ to ensure the driver are aware of the

traffic light. The most unexpected feature in this car is the toll card reader, the ‘eco idle’ as it

will stop the engine when the car stops to save fuels and the touch screen, the build in Bluetooth

feature to enhance driving experience and USB charging port at the side of the driver seat.

Finally, this car also has many charging ports so the driver may charge their phones while

driving.
 The reason I pick this because of its monthly payment which is RM533.17 for 9 years.

However, this is not only the reason why I choose this car, the other reason is the features such

as A.S.A, eco idle and the toll card reader because this is the first time I have ever heard of toll

card reader and A.S.A feature.

PART 2

Straight line method

(COST-SCRAP VALUES)
Annual depreciation =
USEFUL LIFE
TOTAL DEPRECIATION
Annual depreciation =
USEFUL LIFE

(RM50,200-RM5,000)
Annual depreciation =
10

RM45,200
Annual depreciation =
10

Annual depreciation = RM4,520

RM4,520
Rate of annual depreciation= X100%
RM45,200

Rate of annual depreciation= 0.1 X100%

Rate of annual depreciation= 10.00%

 END OF ANNUAL ACCUMULATED BOOK VALUE AT THE
THE YEAR DEPRICIATION (RM) DEPRICIATION (RM) END OF THE YEAR (RM)
0 RM0.00 RM0.00 RM50,200.00
1 RM4,520.00 RM4,520.00 RM45,680.00 RM50,200-RM4,520
2 RM4,520.00 RM9,040.00 RM41,160.00 RM45,680-RM9,040
3 RM4,520.00 RM13,560.00 RM36,640.00 RM41,160-RM13,560
4 RM4,520.00 RM18,080.00 RM32,120.00 RM36,640-RM18,080
5 RM4,520.00 RM22,600.00 RM27,600.00 RM32,120-RM22,600
6 RM4,520.00 RM27,120.00 RM23,080.00 RM27,600-RM27,120
7 RM4,520.00 RM31,640.00 RM18,560.00 RM23,080-RM31,640
8 RM4,520.00 RM36,160.00 RM14,040.00 RM18,560-RM36,160
9 RM4,520.00 RM40,680.00 RM9,520.00 RM14,040-RM40,680
10 RM4,520.00 RM45,200.00 RM5,000.00 RM9,520-RM45,200

Declining balance methods

BOOK VALUE= (COST-COST X DEPRICIATION RATE)

BOOK VALUE= COST(COST-DEPRICIATION RATE)^n

RM5,000= 50200(RM50,200-X)^10

X= 1-0.7940112

X%= 0.20598 (Depriciation rate is 20.60%)

X= 20.60%

END OF ANNUAL ACCUMULATED BOOK VALUE AT THE

THE YEAR DEPRICIATION (RM) DEPRICIATION (RM) END OF THE YEAR (RM)
0 RM0.00 RM0.00 RM50,200.00
1 RM10,340.64 RM10,340.64 RM39,859.36 RM50,200-RM10,340.64
2 RM8,210.58 RM18,551.22 RM31,648.78 RM50,200-RM18,551.22
3 RM6,519.29 RM25,070.51 RM25,129.49 RM50,200-RM25,070.51
4 RM5,176.39 RM30,246.91 RM19,953.09 RM50,200-RM30,246.91
5 RM4,110.11 RM34,357.02 RM15,842.98 RM50,200-RM34,357.02
6 RM3,263.48 RM37,620.50 RM12,579.50 RM50,200-RM37,620.50
7 RM2,591.24 RM40,211.73 RM9,988.27 RM50,200-RM40,211.73
8 RM2,057.47 RM42,269.20 RM7,930.80 RM50,200-RM42,269.20
9 RM1,633.66 RM43,902.86 RM6,297.14 RM50,200- RM43,902.86
10 RM1,297.14 RM45,200.00 RM5,000.00 RM50,200-RM45,200
Task 3 Buy a House
The house is located at Jln Setia Gemilang U13/45C, Setia Alam, 40170 Shah Alam,

Selangor. I choose this house as it is near my workplace and also because it is near and

convenience to every places by car and many restaurants nearby. The house is an apartment

and it cost RM 135,000.

MayBank loan interest rate offer: 4.3% p.a. BSN loan interest rate offer: 4.45% p.a.
Tenure: over 30 years Tenure: over 30 years

CIMB Bank loan interest rate offer:4.55%

OCBC Bank loan interest rate offer:4.45% p.a
p.a.
Tenure: over 30 years
Tenure: over 30 years

Standard Chartered Bank loan interest rate Am Bank loan interest rate offer: 4.5% p.a.

offer: 4.6% p.a. Tenure: over 30 years Tenure: over 30 years

 I choose MayBank as the loan interest rate offered is low. So that I could buy the house

with cheaper price and with lower monthly instalment because after buying car I need to try

not to exceed the Debt Servicing Ratio (DSR) or else I will not be able to borrow money from

the bank.

The apartment built-up area is 650 sq. ft. and it consists of 3 bedrooms and a bathroom.

The house is located at the 1 st floor of the building, so I do not have to walk down and

up from the stair as it is very tiring. The house is freehold so I will be owning the

house for lifetime after finish my loan. The house is unfurnished so I will be requiring

to spend money on buying furniture. I will also get a car park along with the house,

the apartment has a 24 hours’ security and mini market which is very convenient.

0% down payment because first time buyer.

Details of mortgage loan:

 Down payments: 0%

 Interest rate of mortgage loan: 4.3%

i) M= monthly payment
P = Principal
R= interest rate
n = number of payment

𝑟(1+𝑟)𝑛
𝑀=𝑃
(1+𝑟)𝑛 −1

0.043 0.043 360

(1+ )
12 12
𝑀 = 𝑅𝑀135,000 0.043 360
(1+ ) −1
12
 𝑀 = 𝑅𝑀668.08

ii) Total amount paid = RM668.08×360

= RM240, 508.80
Total interest paid = RM240, 508.80 – RM135, 000
= RM105, 508.80

The reasons I choose this property is because it is near my workplace and it is very

convenient as there are many shops and restaurants around so I can save my petrol money. And

the price of the house is very reasonable and is within my budget and after buying this house it

does not exceed my DSR which is very important if I want to get loan from the bank. Besides

the neighbour are very friendly and the environment is very nice according to some customer’s

review.
 Task 4 Saving-Fixed Deposit

I was planning to save 20% of my total income which is (RM2212.5×20% = RM442.5)

in a bank to gain interest for 7 years.

 Below is my research about the differences between the listed bank in Malaysia.

Malaysia Interest Compounded Compounded Compounded Compounded

Bank rate monthly Quarterly semi-anually annually

S= 𝑷(𝟏 + 𝒊)𝒏

Malayan 442.5(1+
0.0335 12
) 442.5(1+
0.0335 4
) 442.5(1+
0.0335 2
) 442.5(1+0.0335)1
12 4 2
Banking 3.35%
Berhad (p.a) = RM457.32
= RM457.55 = RM457.51 = RM457.45
OCBC Bank 442.5(1+
0.059 12
) 442.5(1+
0.059 4
) 442.5(1+
0.059 2
) 442.5(1+0.059)1
12 4 2
(Malaysia) 5.9%
Berhad (p.a) = RM468.61
= RM469.33 = RM469.19 = RM469
Hong Leong 442.5(1+
0.0285 12
) 442.5(1+
0.0285 4
) 442.5(1+
0.0285 2
) 442.5(1+0.0285)1
12 4 2
Bank Berhad 2.85%
(p.a) = RM455.11
= RM455.28 = RM455.25 = RM455.2
Affin Bank 442.5(1+
0.0415 12
) 442.5(1+
0.0415 4
) 442.5(1+
0.0415 2
) 442.5(1+0.0415)1
12 4 2
Berhad 4.15%
(p.a) = RM460.86
= RM461.22 = RM461.15 = RM461.05
Standard 0.03
442.5(1+ 12 )12 442.5(1+
0.03 4
) 442.5(1+
0.03 2
) 442.5(1+0.03)1
4 2
Chartered 3%
Bank Malaysia (p.a) = RM455.78
= RM455.96 = RM455.93 = RM455.87
Berhad
RHB Bank 442.5(1+
0.032 12
) 442.5(1+
0.032 4
) 442.5(1+
0.032 2
) 442.5(1+0.032)1
12 4 2
Berhad 3.2%
(p.a) = RM456.66
= RM456.87 = RM456.83 = RM456.77
Public Bank 442.5(1+
0.031 12
) 442.5(1+
0.031 4
) 442.5(1+
0.031 2
) 442.5(1+0.031)1
12 4 2
Berhad 3.1%
(p.a) = RM456.22
= RM456.41 = RM456.38 = RM456.32
Bank 442.5(1+
0.0335 12
) 442.5(1+
0.059 4
) 442.5(1+
0.0335 2
) 442.5(1+0.0335)1
12 4 2
Simpanan 3.35%
National (p.a) = RM457.32
= RM457.55 = RM457.51 = RM457.45
United 0.03
442.5(1+ 12 )12 442.5(1+
0.03 4
) 442.5(1+
0.03 2
) 442.5(1+0.03)1
4 2
Oversea 3%
Bank(Malaysia (p.a) = RM455.78
= RM455.96 = RM455.93 = RM455.87
) Bhd
CIMB Bank 442.5(1+
0.034 12
) 442.5(1+
0.034 4
) 442.5(1+
0.034 2
) 442.5(1+0.034)1
12 4 2
Berhad 3.4%
(p.a) = RM457.55
= RM457.78 = RM457.74 = RM457.67
HSBC Bank 0.05
442.5(1+ 12 )12 442.5(1+
0.05 4
) 442.5(1+
0.05 2
) 442.5(1+0.05)1
4 2
Malaysia 5%
Berhad (p.a) = RM464.63
= RM465.14 = RM465.04 = RM464.9
Ambank (M) 442.5(1+
0.031 12
) 442.5(1+
0.031 4
) 442.5(1+
0.031 2
) 442.5(1+0.031)1
12 4 2
Berhad 3.1%
(p.a) =RM456.22
= RM456.41 = RM456.38 = RM456.32

 Total sum and interest earn for all the banks after 7 years.

 Compounded monthly

Malaysia Bank Total Sum Interest Earn

Malayan Banking Berhad 0.0335 84 RM559.26−RM442.5
442.5(1+ )
12
= RM116.76
= RM559.26
OCBC Bank (Malaysia) 0.059 RM668.09−RM442.5
442.5(1+ 12 )84
Berhad = RM225.59
= RM668.09
Hong Leong Bank Berhad 0.0285 RM540.07−RM442.5
442.5(1+ 12 )84
= RM97.57
= RM540.07
Affin Bank Berhad 0.0415 RM591.37−RM442.5
442.5(1+ 12 )84
= RM148.87
= RM591.37
Standard Chartered Bank 0.03
442.5(1+ 12 )84 RM545.76−RM442.5
Malaysia Berhad = RM103.26
= RM545.76
RHB Bank Berhad 0.032
442.5(1+ 12 )84 RM559.43−RM442.5
= RM116.93
= RM559.43
Public Bank Berhad 0.031
442.5(1+ 12 )84 RM549.58−RM442.5
= RM107.08
= RM549.58
Bank Simpanan National 0.0335 RM559.26−RM442.5
442.5(1+ 12 )84
= RM116.76
= RM559.26
United Oversea 0.03
442.5(1+ 12 )84 RM545.76−RM442.5
Bank(Malaysia) Bhd = RM 103.26
= RM545.76
CIMB Bank Berhad 0.034
442.5(1+ 12 )84 RM561.21−RM442.5
= RM118.71
= RM561 21
 HSBC Bank Malaysia 0.05 RM627.48−RM442.5
442.5(1+ 12 )84
Berhad = RM184.98
= RM627.48
Ambank (M) Berhad 0.031
442.5(1+ 12 )84 RM549.58−RM442.5
= RM107.08
= RM549.58

Among the banks that I listed above, I will choose a best option which is Malayan

Banking Berhad (MayBank). This is because its feature and benefits. Even the interest rate

(3.35%) is not the highest but it is acceptable, the main reason that I choose this bank is because

the financial services that provided is very attractive. For example, Maybank provided a

comprehensive range of products and services such as commercial banking, investment

banking, Islamic banking, offshore banking, leasing and hire purchase, insurance, factoring,

trustee services, asset management, stock broking, nominee services, venture capital and

Internet banking.

From my selection:

 It will take 60 years for the sum of money to triple itself at the current simple interest

rate.

Solution:

Original Principle = RM p 𝑰 = 𝑷𝒓𝒕

Time Taken = t 2p = p×0.0335×t

Total Interest = RM 3p−p = RM 2p 2 = 0.0335t

47
Interest Rate = 3.35% t = 5967 years

∴ 𝒕 ≈ 𝟔𝟎 𝒚𝒆𝒂𝒓𝒔
  If I withdraw RM500 after 4 years, the total sum at the end of 10 years will be RM7.

Solution:

4 years 10 years

−RM500

S= 𝑷(𝟏 + 𝒊)𝒏

0.0335 48
After 4 years ~ 𝑆4 = 442.5(1 + )
12

= RM505.86

Withdraw RM500 = RM505.86 – RM500 = RM5.86

0.0335 72
After 10 Years ~ 𝑆6 = 5.86(1 + )
12

= RM7.16

Conclusion
The reason I choose this company (Wealthpachira Service Delivery Sdn Bhd) as my full

time job is because of its benefits such as flexible scheduling of working hours, monthly perfect

attendance award, monthly team activities and monthly team lunch. In addition, it also provides

annual company trip, annual company dinner, annual bonus and annual increment.

Next, I selected this car (PERODUA MYVI H 1.5H) because of its quality features such

as A.S.A, eco idle and the toll card reader. Not only that, it also has cheap repayment rate. For

example, each month repayment rate is RM533.17 for 9 years. Therefore, it is affordable plus
this car is also really reliable and stable and it is also a highly recommended car by the internet

to buy for first time buyer.

Moving on, the reasons why I picked this house (Ara Damansara Sri Jati Apartment)

because the location of the house is near to the place I work. Moreover, the price of the house

is within my budget and does not exceed my DSR after purchasing. Plus, according to some

customer review the neighbour and environment are very nice. Therefore, this house is not only

cheap but also worth buying because of its nice and convenient environment.

Lastly, I decided to save 20% of my total income into MayBank to gain some interest and also

for my future use. RM 442.5 is the amount that I save in my fixed deposit account for 7 years.

The reason why I choose this bank is because its reliable financial facilities and trustable

services. For example, nominee services, venture capital and Internet banking.
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