Assalamualaikum w.b.t.,

Hidup di dunia yang sementara ini banyak mengabui mata kita tentang matlamat kehidupan yang sebenarnya. Kita semakin terdesak dengan himpitan kehidupan dan berlumba-lumba untuk mencari kehidupan yang lazimnya lebih menampakkan keduniaa semata-mata.
Apakah ada di antara pelaburan yang semakin hari semakin kurang diberikan tumpuan? Namun, apakah kita menidakkan keperluan yang perlu kita sediakan di dunia bagi persediaan akhirat? Bagaimanakah pula pelaburan di dunia yang wajar dilakukan untuk persediaan akhirat kita? Wajar rasanya kita sama-sama bincangkan dan jadikan maklumat bersama ini sebagai panduan kita merentasi dunia untuk menempah tempat yang selesa di akhirat kelak, insyaallah.

Pandangan serta komen rakan-taulan, pak-pak ustaz, profesionalis, akauntan, hartawan, dermawan, pak/mak wan dan sebagainya boleh dikongsi untuk dijadikan panduan disamping memperkuatkan ukhwah sesama kita. Sila diemailkan pandangan anda ke

Pemberitahuan: Semua maklumat di blog ini adalah pandangan peribadi melainkan dinyatakan sebaliknya. Sila rujuk kepada institusi atau badan yang berkaitan untuk maklumat lebih lanjut. Sebarang rujukan dari blog ini adalah risiko sendiri.Pengarang tidak bertanggungjawab di atas sebarang masalah yang timbul disebabkan oleh bahan diblog ini.

Wednesday, January 30, 2013

A PLC: Are you thinking what stocks to buy before and after the general elections?

How to make business? Errr! PLC (Politic Link Company)

From Thestar: Tuesday January 29, 2013

Are you thinking what stocks to buy before and after the general elections?


StarBiz presents eight stocks to keep on your radar. StarBiz presents eight stocks to keep on your radar.
THE impending general election may be wrong-footing stock market investors due to uncertainty concerns. But if you are one of those banking on the current administration staying in power, there are some stocks that are worth taking a bet on. These are companies that are doing well but which also have a political flavour one way or the other. These could be in the form of government contracts, shareholdings or just personalities involved in their key management or ownership. StarBiz presents eight stocks to keep on your radar.
SapuraKencana Petroleum Bhd
THIS oil and gas giant, although impressive in its own right, has obvious political links. While its executive vice-chairman Datuk Mokhzani Mahathir is the son of former prime minister Tun Dr Mahathir Mohamad, the group president and chief executive officer Datuk Seri Shahril Shamsuddin and his family have always had close ties with the Najib administration.
And business is seemingly good. Currently, it has a sizeable RM18bil order book, 35% of which is from locally-secured jobs while Brazil and the Gulf of Mexico its second largest market contribute about 24%. About 65% of SapuraKencana's jobs are for full engineering, procurement, construction, installation and commissioning works.
Going forward in Malaysia alone, there are RM300bil worth of jobs up for grabs. This is the projected capital expenditure of Petroliam Nasional Bhd (Petronas) over the next five years. SapuraKencana will be a likely bidder for many of the big jobs.
Together with its consortium partner, Norway's Seadrill, it is now in a neck-and-neck race against Technip-NosSkan to win potentially over US$5bil (RM15.2bil) of contracts in Brazil.
Industry experts are expecting SapuraKencana to garner RM3bil to RM5bil worth of contracts annually.
SaputaKencana will be a likely bidder for many of Petronas’ big jobs. SaputaKencana will be a likely bidder for many of Petronas’ big jobs.
Other recent developments for SapuraKencana include its frontrunner position to clinch the Samarang central processing platform project from Petronas.
SapuraKencana closed Friday at RM2.95. The consensus target price for the stock is RM3.46.
Gamuda Bhd
THE construction sector is always said to have some political flavour. A good case in point is construction giant Gamuda, which is often seen as a proxy to politically-linked stocks on Bursa Malaysia.
Last year Gamuda secured one of its most significant jobs.
Gamuda became the project delivery partner (PDP) with MMC Corp Bhd for Malaysia's biggest infrastructure project, the My Rapid Transit (MRT) in the Klang Valley.
MMC-Gamuda KVMRT (PDP) Sdn Bhd a 50:50 joint-venture company between Gamuda and MMC Corp was formed on Dec 27, 2010, while the formal agreement between Mass Rapid Transit Corp Bhd (MRT Corp) and the MMC-Gamuda joint venture on the appointment of the latter as the PDP was signed on Feb 10, 2012.
The primary function of the PDP is to deliver the KVMRT Sungai Buloh-Kajang (SBK Line) within the agreed key performance index of target cost and completion date.
With RM160bil worth of rail contracts up for grabs this year, Gamuda is looking forward to participate in upcoming infrastructure projects including the Kuala Lumpur-Singapore high speed railway link and the MRT's second line. There's also the remaining double-tracking rail job, from Gemas to Johor Baru.
Meanwhile, the Government is already conducting feasibility studies on the construction of the second and third MRT lines and will make its decision on the lines next year.
The two new MRT lines consist of the Circle Line which is an orbital line around Kuala Lumpur city while the other line is similar to the SBK Line, but runs from the underserved areas of Kepong and Sri Kembangan.
Recently, Gamuda's shares have garnered interest on reports that the company is in talks to sell its stake in highway operators Sistem Penyuraian Trafik KL Barat Holdings Sdn Bhd (Sprint) and Lingkaran Trans Kota Holdings Bhd (Litrak).
Reports have indicated that Gamuda, which has a 30% stake in Sprint and a 45% stake in Litrak, was in talks to sell its holdings in both entities for over RM4bil.
Gamuda closed Friday at RM3.64. The consensus target price is RM4.31.
CIMB Group Holdings Bhd
ONE of the stocks with the biggest political perception is undeniably CIMB. Its group chief executive Datuk Seri Nazir Razak is the younger brother of Prime Minister Datuk Seri Najib Tun Razak.
Recently, CIMB proposed to put in place a dividend reinvestment scheme. The move gives its shareholders the option of reinvesting their cash dividends in the company.
Nazir has told reporters that the group was focusing on CIMB 2.0, its codename for an exercise which includes implementing large-scale internal changes and integrating its new acquisitions The Royal Bank of Scotland (RBS) and the Philippines' Bank of Commerce (BoC).
CIMB's key acquisitions last year included a proposed 59.9% stake in BoC for RM881mil, and most of RBS' investment banking businesses in Asia Pacific for RM781mil.
Banking analyst Cheah King Yoong said although CIMB's share price had underperformed its banking peers last year, he expected the group's earnings momentum to remain strong in 2013.
“This is in anticipation of accelerated disbursement of economic transformation programme-related corporate loans and higher contributions from the investment banking operations,” said Cheah.
Over the near term though, he expected the group's share price performance to be capped given the group is highly vulnerable to increased market risk premium with the 13th general election drawing closer, particularly in view of its high foreign shareholdings, which stood at 40.9% in December 2011.
“Even though we continue to like CIMB's management track record, strong banking franchise and good proxy to Asean exposure, we believe its current share price offers limited upside in the near term. Meanwhile, OSK Research which has a trading buy call on the stock, said CIMB expected to realise gross proceeds of RM1.11bil from the sale of CIMB Aviva Takaful Bhd for RM1.8bil.
“This transaction will help it free excess funds that can be used to shore up the group's capital ratios ahead of Basel III commitments,” said OSK Research.
CIMB currently has investment banking presence in Malaysia, Indonesia, Singapore, Thailand, Brunei, Vietnam, Bahrain, Sri Lanka, London, New York, Australia, China and Hong Kong.
CIMB closed Friday at RM7.21. Consensus target price is RM7.21.
MyEG Services Bhd
ONLINE government services channel MyEG Services Bhd is the Government's most prominent partner in connecting services to Malaysians on the virtual platform.
Its principal activities are developing and implementing e-government services as well as providing related services for such projects.
On top of e-government projects, executive chairman Datuk Norraesah Mohamad is also a member of the Umno supreme council and was a senator in 2005-2008. Norraesah owns 1.17% of MyEG.
Currently, MyEG is collaborating with 12 government agencies, with the Road Transport Department contributing almost 50% of its total income, so that should give you an indication of how intrinsically-tied this company is to the current administration.
Last month, MyEG revealed a plan to invest up to RM60mil in its financial year 2013 to introduce a new online tax monitoring system and online renewal service for foreign worker permits. The latter is currently for foreign maids only but MyEG plans to expand that to the plantation and construction sectors.
The two projects are expected to be the main driver for the company's growth and profit in the coming years.
Managing director T.S. Wong said capital expenditure was generated internally and it would not affect its current dividend payout policy which is 30% of its net profit.
A week ago, MyEG entered a partnership with AIG Malaysia Insurance Bhd to provide general insurance products online.
For its first quarter (financial year 2013), the company recorded 21% growth in net profit to RM6.5mil, with a 13.2% expansion in group revenue to RM16.1mil driven by increased adoption of online renewals of auto insurance and road tax on its online portal.
Its first-quarter basic earnings per share improved 1.1 sen from 0.9 sen in the preceding quarter.
For 2012, its revenue grew 13.7% to RM66.9mil while net profit increased by 23.5% to RM27.34mil.
Looking ahead, Wong said MyEG planned to launch two major services per year, with 10% increase in revenue expected.
The group intends to grow its revenue by 20%-30% each year.
Aside from the 90% revenue stream from e-government services, MyEG is also looking to diversify its government-related business to commercial services.
Malaysia Marine and Heavy Engineering Holdings Bhd
MALAYSIA Marine and Heavy Engineering Holdings Bhd (MMHE), a subsidiary of MISC Bhd, would appear to be another obvious political play. MISC is 62.7% owned by Petronas.
As at end-September, MMHE had an order backlog of RM2.3bil, comprising Kebabangan (RM756mil), Tapis EOR (RM635mil), FPSO Cendor (RM277mil), F14/F29 (RM216mil), Gumusut-Kakap FPS (RM198mil) and others (RM220mil).
MMHE is tendering for RM5bil worth of new projects, of which, RM3.3bil are in domestic projects and RM1.7bil in overseas works.
In March last year, MMHE acquired the 52.6ha fabrication yard in Johor from Sime Darby Engineering Sdn Bhd, a wholly-owned unit of Sime Darby Bhd, for RM393mil.
In December, Exxon Mobil Corp's subsidiary awarded a RM165mil contract to MMHE to build the facilities for the Damar gas development project.
The project involves MMHE building the topsides and platform jacket for the project.
For its third quarter financial year 2012, MMHE reported weaker earnings of RM8.1mil from RM80.2mil in the same period last year.
The lower profit was due to provision for higher-than-expected expenses incurred by an ongoing conversion project as well as from its share of losses arising from the jointly-controlled entities' performance.
MMHE closed Friday at RM4.20. The consensus target price is RM4.28.
Prestariang Bhd
IT'S been 18 months since Prestariang Bhd was listed.
This provider of information communication technology (ICT) training, certification and software still has big plans in the offing with the opening of its boutique university taking centre stage for now.
Mooted by the Government, the university which will be launched on Jan 31, will provide the company a recurring income on top of its current businesses which include the provision of training, certification and software to clients such as government ministries and local universities, which are among its biggest clients.
It works with top global IT companies in the provision of such services.
Currently, 70% of Prestariang's business comes from the public sector. It enjoys a gross margin of about 40%, superior to that of its other ICT and eduction peers largely due to its ability to do business on a large-scale basis, according to analysts.
Analysts have said that Prestariang, which posted a net profit of RM10.2mil for the third quarter ended Sept 30, is in a sweet spot as the Economic Transformation Programme (ETP) continues to unfold itself.
A lot of the objectives set out in the ETP will require much reskilling and upskilling, which is where the company's expertise lies.
The stock disappointed many when it fell 18% lower on the first day of its trading.
The downtrend persisted for a while after that with the share price dipping to as low as 52 sen. It has since recovered to RM1.14 but is still trading at a price earning ratio that is half of its competitors.
Cypark Resources Bhd
Cypark’s solar plant at Pajam. Cypark’s solar plant at Pajam.
INTEGRATED renewable energy developer and environmental solutions provider Cypark Resources Bhd is poised to ride on the initiatives implemented by the Government to promote green energy.
Before it was listed in 2010, it said it had been mandated by the Government to close 16 landfills nationwide.
The projects have since been completed and are ready for handover to the Government.
Apart from these, the company has also invested RM94.29mil to build a renewable energy park (RE Park) with grid connection on a 26ha remediated landfill in Pajam, Nilai.
The RE Park, announced by the Prime Minister, is one of the new investments from entry point projects of the ETP.
Cypark plans to develop RE with total generating capacity of 100 MW by 2015.
If the project is implemented in full, the 100 MW green energy is expected to generate additional revenue of up to RM130mil annually.
Cypark foresees market growth for solid waste management which is expected to be driven by increasing waste output from the country's population and heightened awareness of environmental protection.
The group expects to benefit from government projects as demand for solid waste management solutions and services is likely to come from public sector initiatives.
Cypark saw its net profit more than double to RM4.96mil for the fourth quarter of its financial year ended Oct 31, 2012 from RM2.42mil in the corresponding quarter a year ago.
The stock was traded at RM1.63 on Friday, 25% off its one-year high of RM2.18.
Handal Resources Bhd
AN offshore crane manufacturer for the oil and gas industry, Handal is hoping to bid for larger Petronas contracts. Its subsidiary Handrill Sdn Bhd is currently a rig owner/operator licensed by Petronas.
Analysts are also bullish about the prospect of the local oil and gas (O&G) industry in light of Petronas and other O&G players' intensified efforts in exploration and production activities to enhance the nation's oil reserves.
Additionally, Petronas' commitment to invest RM300bil in the sector will provide spin-off benefits and positive prospects for industry players such as Handal.
Despite it being only a medium-sized oil and gas contractor, Handal has managed to secure sizeable contracts. The company is reportedly tendering for RM22mil in local and overseas offshore crane jobs, which will give a margin boost of 11%-12%. Its order book is estimated at RM400mil for the previous financial year ended Dec 31, 2012.
Handal has diversified into the construction of rigs for marginal oil fields, with the acquisition of the Seacrane intellectual property rights last August for US$375,000. It allows the company to market offshore pedestal cranes under its in-house brand and also to position itself as an original equipment manufacturer for offshore pedestal cranes. It is looking to tap opportunities in Asia, Australia, Europe and Africa.
For the nine months to Sept 30, 2012 Handal raked in RM4.97mil net profit or 3.11 sen earnings per share on revenue of RM66.06mil.
Despite its potential, Handal's share price has been lacklustre since its listing. Handal made its debut on Bursa Malaysia in 2009 with an initial public offering price of 72 sen. The counter hit its all-time high of RM1.09 in August 2009. The stock was last traded at 43 sen.

Monday, January 14, 2013

PTPTN Tax Relief and Dividend Performance..

Assalamualaikum w.b.t.,

Do you know how PTPTN saving scheme perform?

Year  /  Dividend%
2004        3
2005        4
2006        4
2007        4
2008        4
2009       2.5
2010       3.25
2011       3.75
2012       ???4 (I think so-- feeling goooodd!)

If you think you want to save and invest in this scheme, I don't suggest this platform since you can get better return on other platform. But if you want to catch the tax relief up to RM 6000.00, I think this is one relief given quite high. And it is only work fine for private sector  worker whose  tax is at higher level such 17% and above.

If we convert into so call investment benefit then, saving you can make equivalent to 17% (tax level) + 3.5% (PTPTN dividend on the coming end of years). If you think this is a good option you can save for your children education then grab it. I did for 4 of my children now total up to RM15K saving. Last year I only did for RM3000.00 and missed the information that the new capping should  RM6000.00.

PTPTN "Modus operandi" a bit confusing if refer to its withdrawal procedure. To withdraw you must apply and the refund process take 3 month,  and from latest information, you can withdraw all of your saving but if you want to apply an education loan you must maintain certain amount in your account for  RM20.00. Need to confirm about this info.

Information from PTPTN website:

Starting 1 January 2012, students who wish to apply for PTPTN education financing MUST have an SSPN-i account with a minimum deposit of RM20.00.

Tax relief for current year's net savings of up to RM6,000 per annum.

Free insurance coverage for depositors with savings of RM1,000 and above.

Savings as low as RM20 at any time and guaranteed by the government.

Depositors may make withdrawals at any time subject to the regulations set by PTPTN from time to time.
(what are the regulations?)

So actually how long do we have to keep our money in SSPN before we can withdraw?

Came across this

Depositors may make withdrawals at any time subject to the regulations set by PTPTN from time to time.

Conditions for Withdrawal / Closing of Account of the National Education Savings Scheme (SSPN-i) and Required Documents

Note: Please ensure that the depositor's signature is similar to the one on the SSPN-i Account Opening Form and Closing of Account Form / Deposit Withdrawal Slip / Matching Grant Claim.

Please click here to print the SSPN-i Depositor's (the deceased) Beneficiary Confirmation Form and click here to print the  Indemnity Bond Form.

Note: Details about SSPN-i savings must be listed or specified in the Letter of Administration or Grant of Probate to allow withdrawals from the SSPN-i account of the depositor (the deceased).
Should the depositor / beneficiary prefer that the amount from withdrawal / closing of account be credited directly into a bank account, please attach a copy of the front page of the savings account book / statement of account with the depositor's bank account number stated.

A.Savings Withdrawal

Documents to be enclosed are as follows:-

1. Deposit withdrawal slip / match grant claim;
2. Copy of depositor's MyKad / military card / police card; and
3. Copy of SSPN-i card.

B.Closing of Account

Documents to be enclosed are as follows:-
1. SSPN-i Account Closing Form;
2. Copy of depositor's MyKad / military card / police card;
3. Copy of SSPN-i card; and
4. Copy of death certificate (in the event of death of the beneficiary, if applicable)

Note: Copies of depositor's MyKad / military card / police card, SSPN-i card and death certificate (if applicable) must be certified by the relevant authorities.

Matching Grant Claim
Depositors must submit  supporting documents that have been certified for the purpose of matching grant claims as follows:-

C.  Letter of offer to pursue higher education; and fee payment slip to the institute or a letter confirming active student status at institute.

D.Closing of Account upon Death of SSPN-i Depositor

Documents required for closing the SSPN-i account in the event of death of the depositor are as follows:-
1. SSPN-i Account Closing Form;
2. Copy of depositor's MyKad / police card / military card;
3. Copy of beneficiary's MyKad / police card / military card;
4. SSPN-i card; and
5. Depositor's death certificate.

If the balance of the SSPN-i savings account is less than RM1,000, the beneficiary shall:-
1. Submit the Beneficiary to SSPN-i Depositor (the deceased) Confirmation Form which must be certified by the relevant authorities; and
2. Complete the Indemnity Bond Form provided by PTPTN with a revenue stamp of RM10.

For savings in the SSPN-i account totalling RM1,000 and above, the beneficiary must obtain a letter of administration or grant of probate by producing one of the following documents from any appointed body (the original and the copy certified by the party issuing the authorisation letter):-
1. Letter of administration / grant of probate (petition under the Probate and Administration Act 1959) issued by the High Court of Malaya; or
2. Letter of administration issued by the Land and District Office; or
3. Letter of administration issued by Amanah Raya Berhad Section 17 of the Public Trust Corporation Act 1995 (declaration / instruction).

Submission  of Withdrawal / Account Closure Slip

Completed forms can be submitted via the PTPTN service counter at the One-Stop Centre, KL Sentral or any PTPTN agents as follows:
1. Bank Simpanan Nasional;
2. CIMB Bank Berhad;
3. Agro Bank;
4. Bank Kerjasama Rakyat Malaysia Berhad;
5. Bank Islam Malaysia Berhad;and
6. Maybank.


Mailed to PTPTN at the following address:-
National Education Fund Corporation (PTPTN)
Education Savings Department,
Level 6, Wisma Chase Perdana,
Off Jalan Semantan, Damansara Heights,
50490 KualaLumpur.
(Attn: Withdrawal and Claims Unit)
Tel:03-2080 4455Fax: 03-2098 6589

Friday, January 11, 2013

Wind Flag for Justice and Change!!!

Assalamualaikum w.b.t.,

Tribute for tomorrow 12-01-2013... lets safe our nation from "Syaitan Yang Dikenali" ..

Ya Allah s.w.t.! Please bring justice to this nation....

Ya Allah s.w.t.! Please help us  to ease our "DAKWAH" and tide over "MUNAFIQUN" incitement...

Our age is moving fast... what do we really do for our nation and Islam???

Lets move for betterment future....

Thursday, January 10, 2013

What do I Missed in 2012 Tax Relief

Assalamualaikum w.b.t.,

Communication with LHDN officer before year 2012 end is 100% useless and waste of time. Why? I did ask them a final list of tax relief for 2012 but they advise me to get it from LHDN website. In reality, they don't update their information. What do I missed for 2012 tax relief...

i) PTPTN relief revised to RM6000.00

ii) Private Retirement Scheme (PRS) RM3000.00

Do below for Year 2013 or bring backward to 2012 still unable to confirm, since LHDN Technical Assistant Director also can't confirm this.... what ashamed?
I think "gomen" sector benefit more.... since their taxable income is half of their total pay...
Chargeable IncomeTax RateCumulative Tax
From RM0 – RM2,5000%RM0
From RM2,501 – RM5,0001% (0 %)RM25
From RM5,001 – RM10,0003% (2 %)RM175
From RM10,001 – RM20,0003% (2%)RM475
From RM20,001 – RM35,0007% (6%)RM1,525
From RM35,001 – RM50,00012% (11%)RM3,325
From RM50,001 – RM70,00019%RM7,125
From RM70,001 – RM100,00024%RM14,325
RM100,001 and Above26%

What mean by this???

copied from:

Inline image 1

“Dengan nama Allah Yang Maha Pengasih Lagi Maha Penyayang, daripada Muhammad Pesuruh Allah kepada Hercules Pembesar Rom, salam sejahtera kepada sesiapa yang mengikut petunjuk. Seterusnya, aku menyeru kamu dengan seruan Islam, terimalah Islam nescaya kamu selamat. Allah akan memberikan kamu dua ganjaran. Jika kamu enggan, kamu menanggung dosa rakyat bawahanmu.

kemudian baginda menulis firman Allah- (maksudnya):”Wahai ahli kitab, marilah kepada satu kalimah yang sama antara kami dan kamu; Iaitu kita semua tidak menyembah melainkan Allah, dan kita tidak sekutukan dengannya sesuatu jua pun; dan jangan pula sebahagian dari kita mengambil sebahagian yang lain untuk dijadikan orang-orang yang dipuja selain dari Allah”. Kemudian jika mereka (ahli kitab itu) barpaling (enggan menerimanya) maka katakanlah kepada mereka: “Saksikanlah bahawa sesungguhnya kami adalah orang-orang Islam” –Ali ‘Imran: 64. (Riwayat al-Bukhari dan Muslim).

Wednesday, January 9, 2013

What Will the Performance of Tabung Haji and EPF Fund

Assalamualaikum w.b.t.,

Time out for the ruler is reaching its end until new endorsement comes... I believe there will be slightly up in dividend paid and the value is the same for this two fund since to show feel good economy condition to delight people to vote for new endorsement... For me, enough is enough now... lets move to the new dimension of ruling this country to be more righteous to everybody as what Allah s.w.t wants.

Let see how is THG statistic for the past 5 years. To get more information about fund performance please search this blog...

ASB dividen 7.75%, then  the most probable announcement might be  6.5%. EPF and Tabung Haji should able to pay more than 10% of dividend if they really honest to their depositor.  If considering the EPF as a pension fund then it should announce rate much more higher than the inflation rate + ringgit purchasing power contraction. So, are we still dreaming for the fair announcement?

Kadar Bonus Pendeposit (%) & Bonus Pendeposit (RM Juta)

* Merangkumi 5% bonus tahunan dan 2% bonus khas. 

Tuesday, January 1, 2013

ASB Is The Right Place to Invest???

Assalamualaikum w.b.t.,

Year 2012 come to the end... 2013 starts today... but how is ASB perform? One of the trust usually used as an escape boat for the corrupted ruler... Let see... it is the best in 5 years past? Is it perform very well? The word the best and among the highest is usually used by the corrupted ruler to hide the real fact happened.

2012 ASB dividend is only 7.75 sen... then you can estimate what will EPF performance... the word will come out might be the highest in its history.... or EPF loss in their investment.. just to justify why low dividend outcome...

YearDividend + Bonus
20127.75 + 1.15
20117.65 + 1.15
20107.5 + 1.25
20097.30 + 1.25
20087.00 + 1.75
20078.00 + 1.00
20067.30 + 1.25
20057.25 + 1.75
20047.25 + 2.00
20037.25 + 2.00
20027.00 + 2.00
20017.00 + 3.00
20009.75 + 2.00
19998.50 + 1.50 + 2.0*
19988.00 + 2.50
199710.25 + 1.25
199610.25 + 3.00
199510.0 + 3.00
19949.50 + 4.50
19939.00 + 4.50
19927.50 + 5.00
19918.50 + 4.00
19908.00 + 6.00