Sunday, January 31, 2010

Sterling Bank of Asia - Time Deposit Rates Down???

What happened to Sterling Bank of Asia's time deposit rates?? they used to give 5% p.a. on their time deposit, then month after month it lowered. Starting at 4.75% then 3.75% then 3.125% then now.... 2.125%!!!!! damn!! I will be pulling out all my money out of there and deposit it somewhere else. maybe chinabank? =D atleast chinabank's interest is higher.

Kubuntu 9.10

I recently installed kubuntu 9.10 in my desktop computer, and it was really easy to install and use. Although I had a little problem configuring my sun broadband wireless internet, but I made it work after a few tweaks which I will be posting soon. After the install, it has already document, instant messenger and web browser installed. The UI is pretty cool and its easy to use. I personally prefer kubuntu UI than ubuntu.

Happy Happy Happy Birthday Katchoy!!

January 29 2010

Happy 24th Birthday!! =D thanks sa advance bday trit. haha be happy palagi! and stay pretty! =D more birthdays to come and gifts!! wahahaha =D

Can I take your order please?

I remember the day when I first stepped into a McDonald's, it was my birthday and my mom made a birthday party for me there. Then when I was 16, I started working there as a part time crew for 5 years until I graduated from college. It was a ... wait for it ... long time! haha It was fun working there. I learned a lot of things and met different kinds of people.

1949 Philippine Peso Bills For Sale!

Anyone who wants to buy these old peso bills?

Contact: Alain Chua

Mobile: 0922-3978853

ym: coolblues5000

The Reason Project

The Reason Project is a 501(c)(3) nonprofit foundation devoted to spreading scientific knowledge and secular values in society. The foundation draws on the talents of prominent and creative thinkers in a wide range of disciplines to encourage critical thinking and erode the influence of dogmatism, superstition, and bigotry in our world.

Saturday, January 30, 2010

How to Calculate Bank Interest

Here is a simple explanation on how to compute your interest in the bank: ( for time deposit )

The Formula:
cash  x  ( days / 360 )  x interest rate  x withholding tax = interest

If you have 50,000php and you deposited it for 30 days. The interest rate is 3.125% p.a.

50,000 x 30 / 360 x 0.03125 x 0.8 = 104.17

1. divide the number of days by 360, because the interest rate of banks are per annum ( per year ).
30 / 360 = 0.83333333333

2. multiply the result by bank interest. Then multiply it again by the cash deposited.
0.83333333333 x 0.03125 (interest) x 50000 ( cash ) = 130.208

3. multiply the result by 0.80, because the withholding tax is 20%. Then the result is your final interest.
130.208 x 0.80 ( tax is 20% of interest ) = 104.17

Your interest for a month is: 104.17php

Fish N Chips!!!


Fish and Chips one of my favourite food of all time!! hahaha
you can buy it @ Charlie's Grill and Grind for only 180php. this is the best place to order fish and chips!!
Fish n Co is too expensive. 465php.. and it doesn't taste that good. =C

Trinoma with Friends =D


January 16 2010
Super Advance birthday treat of katchoy!! =D
with Kimmiee, Kath, Darwin and Gale.

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