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You love chili? Chilli is now too expensive to eat… a lot of.

Did you know that chili is always an expensive ‘fruit’? Yes, it’s actually a fruit and not considered a vegetable although in the culinary world, no one sees chill as a fruit lah. So, when compared to apples, oranges and maybe even durian kampung, chili is expensive. If we think of chili as a vegetable, then it’s even more expensive because vegetables are generally cheaper than fruits. So, how expensive is expensive?

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ABCs of Personal Finance

SARA is now available! Are you part of the 22 million Adult MyKad holders?

Have you used it thus far? SARA for All. Anyway, honestly, free money is always welcomed. I am of the opinion that any assistance must be as targeted as possible but again, if it’s given to all, I will gladly say thank you. As per news across all media, RM100 is now made available via MyKad (Yes, this is definitely the best way versus any other ways). Yes, if the family has 4 adults, they will receive RM400 in total. Just need to note that this is different from SARA Assistance. Read on for the news:

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Career Related

Expats based in Malaysia needs to earn a minimum of RM20,000 for Category 1. Easy to achieve, right?

If you are an expat here in Malaysia, thanks for coming here and share your expertise and experience and at the same time bringing up Malaysians to be as amazing as you in the future. Many, many, many years ago when I was speaking to a Senior HR Manager in manufacturing, he told me that he could easily attract expats to come to Malaysia because he told the expat that they will be offered a similar pay but the quality of their living would be 4 times better simply because they would be staying here. Bigger property, more ASEAN vacations and not needing to look at the menus before entering the usual restaurants here in Malaysia.

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ABCs of Property Investment

Using emotion to decide whether to invest or not to invest? Do you feel lucky?

I am very serious and I have MANY friends who have told me so many times that they are waiting for the best time. No one knows when is the best time but it does not matter. They want the best time to enter the stock market (when BURSA is already red hot…), the best time to buy a property (when every Tom, Dick and Harry is already talking about property), the best time to have baby (Yes, Year of the Dragon for example…) and more. Not many look at things logically and maybe objectively…

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ABCs of Property Investment

No buyer wants to pay at bank valuation pricing?

A friend said recently that the property market is bad. Her reason is because no buyer wanted to buy her property at the bank valuation price. There are a few important things to note here. How do we know if property market is bad? First thing is to look at the number of transactions. If the property transaction numbers are dropping every quarter and all new property launches are empty of visitors, probably that’s a sign that the property market is not well. What’s the number of property transactions? Take a look at below:

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ABCs of Personal Finance

Where has price change hit the hardest? An example from the biggest economy in the world

After this huge number, the next one would be child Care / anything which is children related would be at the second place. Then, the third could be Food and Beverage. My Proton Persona (manual) is fully paid for 10 years ago while my wife’s Alza is in the 2nd year. So, I only pay instalment for Alza today and this is why the car installment is smaller than F&B. How is this compared to the situation in the US? Take a look at the below on how price changes have affected them.

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HSR - MRT - LRT - BRT

ETS will be 24 hours during festive seasons! Book yours now!

My good friend from Hong Kong was very surprised when she saw some shops which open for breakfast close after lunch. Meanwhile some shops which will open till late night opens only at 5pm. She says in Hong Kong, shops stay open the whole day because they need to maximize the earnings to cover the rental. Well, we are lucky that rental has yet to become too high that shops must stay open the whole day just to cover the rental. One day, maybe all shops have to open the whole day. However, there’s something very important that we must always do; maximising the value from assets which we have.

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ABCs of Personal Finance

58 years old used up all EPF savings in 3 years

Maybe this is also because I do not own the latest handphone model… I do not try to show off with a non-national car brand which is suffocating me financially every month… After 30 years of paying for a property, I no longer needed to pay rental… plus I have more than 1 property and I could sell that extra property for funds which I could use for anything of my heart’s desire? This is why I do believe I do not wish to touch EPF savings which receives very healthy dividends every year.

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a variety of malaysian currency
BNM and Economy

RM is strongest since 2018. What about before 2018?

Malaysia has yet to reach the levels we were in before 2018. We do not need to go even further but suffice to say, that I personally do believe countries which has trade surplus should have a stronger currency while countries with a big deficit should have a weaker currency. This is how the trade balance is remedied. When Malaysia is exporting, the country which is importing would pay us in RM. So, of course demand for RM should increase and this should support the value. I know, this sounds simple. Else, please tell me how and why do currencies fluctuate then? For the purpose of speculative investment? Hmm….

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