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Day: November 12, 2025

ABCs of Personal Finance

Just RM450 per month to own the new 1.5 litre Saga?

When my sister bought her very first car, a Proton Saga BLM (photo below), she told me. She told me she bought the blue colored one. She named it ‘small blue’ in Mandarin. The day after, I started to see Proton Saga BLM everywhere. Then I have a thought, maybe I should buy the shares since Proton was selling so many Saga BLMs? I bought a number of shares below RM2 and within less than 12 months, when they announced good set of financials, I sold off those shares at RM4. Yes, handsome profits indeed.

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ABCs of Property Investment

How an Auction Drove Home Price Above Estimates

In Malaysia, selling via the auction route is seen as selling of the desperate home owners. It is viewed as the selling of properties where the owners are already in a financial crisis. Only the banks do it as they took back those properties from the owners who could no longer pay their monthly repayments. That’s why they are put up for auction mah…

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ABCs of Personal Finance

Buy a car, lose a potential property?! How is this possible?

Let’s start by looking at the differences in downpayment and also the monthly repayment for different cars. Then, we can see why a car could mean losing a potential property too. We assume everyone below are earning similar incomes and perhaps 10 years after they have started working, they may want to buy a house. In other words, downpayment of 10 percent is needed.

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