support@kopiandproperty.com

Advertisements

Advertisement Banner
ABCs of Personal Finance

Beware! EPF savings is really not a lot when we do these calculations

When someone retires and realized they have hundreds of thousands in their EPF which is suddenly theirs to use, what do you think could happen? Well, they could spend it wisely and stretch it sufficiently to cover for the next 15-20 years of their retirement life. Or they could spend it very quickly to buy things which they could not afford previously. Or maybe they could be scammed by someone and lose it all too.

Read More »
ABCs of Property Investment

If my rental is lower than the mortgage, should I rent or buy?

Simple question does not mean an easy answer. However, we can start with the number of years which the mortgage could be stretched to, or from another perspective would be how young is the borrower. The younger, the better of course because the younger the borrower, the longer the mortgage could be stretched and thus the lower the monthly repayment could be.

Read More »
ABCs of Personal Finance

4.8 percent increase in salary for 2026, predicted. Did you get more?

Whatever number is forecasted, it’s usually an average. So, some people get higher (maybe they are in a more generous organization, maybe their skill is niche, maybe their industry is growing etc) and some people may get lower salary increase. (maybe the skills are too general, maybe they are in the wrong company, maybe the industry they are working is no longer growing). Some countries may have a lower number because their currency is already very strong, anything too high for just a few years will make them very uncompetitive in the long run.

Read More »
Shopping News

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?

Read More »
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:

Read More »
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.

Read More »
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…

Read More »

join the family

Like us for daily investment news and more

Hit the like