Sir,
Its either you are very good in manipulating fact or my explanation is too complicated for you,
But the fact is, i did not assume anything in my calculation
I wonder how can you turn my first column as the first year? there is no unit at all to begin with, and you turned my first year into second year? so why the unit is only 100k? where goes the dividend for first year as you claim? cicak makan?

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Seriously bro, its obvious in my explanation,
1. First year installment using own pocket money
2. The dividend was calculated 5 times only,
3. 4 time we used to pay installment for the following year (year 2 - year 5)
4. dividen for the fifth year is not used to pay for year sixth, so we take it
so where did year sixth came in since we did not pay anything?
some more i din say anything about RHB did not have insurance, we do have, and its only 15/mth.. to be secure, you may take it.. again its only RM 15..