The Asian Handicap odds I take for the matches of this gameweek are The Gunners let 1.5/2 goal, The Blues let 1/1.5 goal, The Red Devils let 1.5 goal and The Reds let 1 goal respectively. Refer my predictions as your guide at your own risks and enjoy the games!

Live Score | Active Odds

Skyline trailer

Happy New Year to everybody.

Here is Egg of Li Chun which captured by Kate Rene early this morning. She will keep the egg till the end of Chinese New Year and the egg won’t fall down at all.

Thanks Kate Rene for photo.

Mortgage Life Insurance
Mortgage Life Insurances are designed to pay off the outstanding loan balance in the event that the borrower dies or suffers from total and permanent disability (TPD) before the loan is fully paid off.

Basically there are two types of mortgage life insurance available in the market. One type is commonly known as Mortgage Reducing or Decreasing Term Assurance (MRTA or MDTA) and the other choice is Mortgage Level Term Assurance (MLTA).

Mortgage Reducing Term Assurance (MRTA) or Mortgage Decreasing Term Assurance (MDTA)
MRTA or MDTA is a reducing term life assurance specially designed to protect a loan borrower against death or TPD (total permanent disability) due to natural or accidental causes. Some lenders will allow you to finance and add the premium to your home loan (up to a certain percentage of your loan amount).

MRTA or MDTA is a simple insurance policy and has become a common and acceptable policy taken up by the borrower whenever he takes up a mortgage loan. The premium is paid upfront in one lump sum. Some lenders will finance and add the premium to your loan. The borrower can choose the amount and tenure of the coverage and the amount of premium will be determined by these factors as well as his age and gender. Banks normally encourage the borrower to take up this policy by giving better pricing on their interest rates if the borrower signs up a MRTA or MDTA policy.

To the borrower this is relatively a hassle free, affordable and necessary policy as their mortgages are covered in the event of any unfortunate incident that may caused death or TPD.

Mortgage Level Term Assurance (MLTA)
MLTA is a slight variation from MRTA or MDTA and offers an alternative for a borrower who is looking for a life insurance which offers protection plus savings and in some policies returns on the premium.

Premium is paid on a monthly, quarterly, half yearly or yearly basis and the policy holder can choose to have a wider coverage other than death and TPD. The amount of the premium will be determined by the usual factors and the scope of additional coverage.

Comparison and Features of MDTA and MLTA

Life-MLTA
1. Transferable
This policy is transferable whenever the borrower buys a new property or refinances his loan with another bank.

Example: Transfer this policy, adjust the sum assured to match the new loan, as many times as you need.

2. Insurability is Guaranteed
You purchase only once, with the same sum assured, there is no need to prove your health condition again.

3. With Savings or Returns (Cash Value)
Premium paid will be accumulated either as savings or savings plus returns. The cash value can be used to reduce or pays off your mortgage.

MRTA
1. Not Transferable
In most cases, new MDTA policy has to be taken up whenever a borrower changes his properties or refinances his loan with another bank
Example: 5 yrs later, refinancing at the older age, for same tenure of same loan amount, the MDTA cost is higher.

2. Insurability is not Guaranteed
Most of the time every time you finance your property, you have to prove that you are healthy to purchase MDTA.

3. No Cash Value
It is an expense with zero cash value at end of the mortgage tenure.

In lament term with example :
For example : The applicant name is Ken. He’s a 24 male and bought a property for 230k but he only take 100k loan.

MRTA scenario
So if he purchase RM100k for 30 years MRTA the premium will be RM2165 and the surrender value from time to time is less and less. So, if anything happen to Ken at 5th year, the benefit he get from insurance com will be RM95299 while 10th year will be RM87319. So at the end, the value will be zero at 30th year.

MLTA scenario
If he purchase same RM100k and 30 years MLTA, he needs to pay RM61 every month and gets the level protection. He can choose to pay monthly, quarterly, semi-annually or annually. If Ken is TPD and can’t make a source to pay for monthly installment, the benefits he get is RM100k no matter at which year. If Accidental death it would be X 2, the benefits will be RM200k. This is consider savings and you get the level benefits no matter 1st year or 18th or 30th year. Because the surrender value is high and higher. If Ken have nothing happen at 30th year, he can get back the value he prepaid. This is the benefit you get from MLTA. And, Ken is only 24, if he buy a better property, he can bring this MLTA over to that property and extend it.

[Source: Lowyat Forum]

To me, writing a blog is like building a “company”. The “company” assets are the blog’s traffic, page rank and pages cached in search engine and etc. The assets can represent how much a “company” worth. And from month to month, the “company” pay the “director” dividends.

Currently the “company” is generating about 3.5% of dividend each month. Different theme of “company” may have different rate of returns. To increase earning, we have to create more assets that help the “company” to earn more money.

Hopefully the members of 2da6s.com can put more efford in generating more asset for the “company” and bring more fruitful returns in future

And hopefully, the day of “an Adsense cheque a month” will come soon…

Note: The website worth is evaluated by sitestimator.

Below is the list of websites to check your broadband speed. Normally a broadband speed test will incur downloading a large file from a server and uploading a large file to the server and may take up minutes (depend on your Internet speed).

Be sure to run tests with different servers from different geographical locations to know your connection speed to different places.

The list of websites were  compiled by Tweaking Windows. Thanks.

1. Speedtest: Use Speedtest.net to test the speed of your Internet connection. See if you are getting what you pay for or share your results with others!
2. Bandwidth Place: Test your Internet connection. Baud rate is another measure of transmission speed and is the number of actual signals sent per second.
3. Mcafee Speed Test: McAfee Internet Connection Speedometer tells you how fast or slow your internet connection speed is.
4. Auditmypc Internet Speed Test: Internet Speed Test designed to test the real bandwidth of your internet.
5. Speakeasy – Speed Test: Test your internet connection speed! with Speakeasy – Speed Test.
6. What is My IP – Speed Test: Test your internet connection speed!
7. MySpeed – Speed Test: Get accurate Internet speed test results with the MySpeed bandwidth test, select a speed test site near you, test connection speed for DSL, cable speed etc.
8. CNET Bandwidth Meter: The CNET Bandwidth Meter speed test will check the bandwidth of your Internet connection, It will also calculate your bandwidth speed from the CNET Internet Services site.
9. Broadband Speed Test: Broadband Speed Test and Internet Bandwidth Community section/ discussion, don’t forget to also test your internet connection bandwidth.
10. 2Wire.com – Speed Meter: Test your internet connection speed!
11. Speed Test – dslreports.com: Test your Internet connection.
12. Test My Speed: Internet connection speed test sites to test the connection speed of your ISDN, DSL, Cable modem and more. Bandwidth speed tester.
13. Speed Test Tool: Why Test your Broadband Internet Connection? Simply put, to see if you are actually getting High Speed Broadband Access.
14. WUGNET – Speed Test: WUGNET’s Bandwith Speed Test is a precisely accurate measurement of your Internet connection UPLOAD and DOWNLOAD speeds.
15. Internet Broadband Speed Checkup Tool: Broadband Speed Test Meter, check your internet broadband ISP speed for free using out speed check tool.
16. MSN Internet Speed Test: Take the speed test to see how fast your Internet connection.
17. Numion – YourSpeed and SiteSpeed: Numion One of the most accurate internet connection speed testing sites.
18. Internet DSL Speedtest: You find that your internet connection is too slow or you are just curious how fast you are – speed.io is a perfect tool for a fast speed check.
19. Broadband Speedtest on ZDNet UK: Check Your Speed. Is your broadband fast enough? Are you getting what you’ve paid for? Find out with our Broadband Speed Test.
20. Internet Download Bandwidth Test: Our automatic test, will determine the best test size and duration to use, based on the speed of your Internet connection.
21. Kify Internet Speed Test: Test your Internet Connection Speed with our Bandwidth Meter Speed Test.
22. Internet Performance and Speed Test: Test the speed of your Internet connection, speed test results for upload and download tests.
23. Beeline Bandwidth Test: Test your internet connection speed with Beeline Bandwidth Test, a free internet speed test service.
24. Speed Matters – Internet Speed Test: Speedmatters.org promotes affordable high-speed Internet for all Americans.
25. BSNL -Check Download Speed: Broadband Speed Test Meter, check your internet broadband ISP speed for free using out speed check tool.

2da6 (in cantonese 贰打陆) simply means an ordinary guy with no special status in the community.

At 2da6s.com, we blog about everything from life, anything we like and dislike, opinions and so on.

Hope you will like our blog!