support@kopiandproperty.com

Advertisements

Advertisement Banner
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.

Read More »
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.

Read More »
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.

Read More »
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….

Read More »
ABCs of Property Investment

Buy property first, then wait. Sure or not?

There are states which are doing way better than other states when it comes to property price increase. I mean, transactions are aplenty, of course the prices also inch up faster too. Fundamentally however, inflation happens and therefore, everything will increase in price and so do property too. The inputs into property investment will continue to increase, just a matter of how slowly or how small the increment is. Maybe some will take longer, for example the salary of construction workers. Some may be sudden, like some raw materials which are impacted by oil or logistics or technological inputs etc.

Read More »
Malaysian economy and BNM

Positives in Malaysia: Inflation, Unemployment and GDP

The article highlights Malaysia’s positive economic indicators, including controlled inflation at 1.6%, a low unemployment rate of 2.9%, and a GDP growth of 5.7%. Despite good news, there is a tendency for negative content to attract more attention. Government support initiatives are also mentioned, benefitting millions.

Read More »

join the family

Like us for daily investment news and more

Hit the like