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ABCs of Personal Finance

Personal Finance 101: Fresh Engineer and the monthly salary. So little, how and what to do?

Anyone here who does not want to complain that their pay is low? Well, even engineers are also complaining, not just those with non-technical degrees which the supply is much higher than the supply of fresh engineers. My brother and my two brother-in-laws are all engineers. They have been engineers for a long time and I think they will retire as an engineer. All three are holding senior level positions today. However, all three started from that low starting salary like many fresh engineers.

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ABCs of Personal Finance

REIT News: Pavillion REIT buying a RM2.2 billion asset

“Do you want to own a mall without needing to buy the whole mall?” Yea, it’s possible if you are to invest into a real estate investment trust fund via the stock market. There are plenty of choices actually. Okay, it’s not like hundreds of choices but I think there’s enough for us to pick. Here’s the list of REITs and all the other necessary details to know before you invest into one. I think it is comprehensively explained at

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Personal Finance 101: How to calculate EPF money we have when we retire?

In order to benefit from this article, you need to be an EPF contributor first yeah. As for EPF, much has been said about the recent RM500 being deposited by the government to EPF contributors who have too little money in their account. Some said that EPF members should be allowed to do another round of withdrawal. Some say it is irresponsible to allow that because these savings are meant for retirement days. Well, the debate rages on but for all other contributors, did you know that you could estimate how much total EPF money we have when we retire?

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Penang Property

Penang Technology Park has a GDV of RM4.2 billion

My brother and my two brother-in-laws are still in Penang and all three are engineers. All three has every intention to continue to be in the engineering field in Penang. All three has more than one property and are all contributing to the economy of Penang wholeheartedly too. I think there are many well-planned Free-Trade-Zone parks which has been supporting the state’s economic growth. We now have another one known an Penang Technology Park @ Bertam. It will be spearheaded by a local property development outfit; Ideal Property Group.

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ABCs of Property Investment

Property Investment 101: Property prices falling everywhere. What’s the next action to take?

Malaysia property market is a small one. Ours is also not so advanced. People still think anywhere above 20km away from the city centre as VERY FAR. Haha. I always encourage everyone to take a look at the suburbs in some advanced countries to understand that even 50km is not considered as ‘impossible’ and meanwhile 30km from the city centre is considered normal.

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ABCs of Personal Finance

Personal Finance 101: PIDM protecting our savings

Perbadanan Insurans Deposit Malaysia (PIDM) is a Government agency established in 2005 under Akta Perbadanan Insurans Deposit Malaysia (Akta PIDM). How PIDM protects financial consumers? Briefly, do refer below. It protects financial consumers by protecting deposits and takaful and insurance benefits. Briefly, it meant that PIDM would honour the benefits entitled to us the financial consumers even if the provider of such a product happened to fall into some financial issue.

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REHDA: Rising cost of construction will deter new developments

If the price of land moves up, cost of construction materials move up and the salary of skilled workers move up then the price of the property will have to move up too. What happens if the price is already very high and cannot be moved upwards anymore? The developer may stop building or they buy cheaper land, they reduce the quality of materials or they try to reduce the cost from workers through automation. They could also get approval to build more homes; higher density so that the price is lowered as there are more units within the same piece of land.

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ABCs of Property Investment

Property Investment 101: 3 ways to invest into properties

People say, “never put all your eggs into one basket” because the risks are very high that if the basket were to fall, all the eggs would be broken. It’s the same for investments. Diversification is necessary. My personal opinion is that dieversification is necessary but investment into property is compulsory. The last I remembered, not many people prefer to stay in a cave or under the bridge these days.

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Financial News

Financial News: What happened to Credit Suisse?

We just got the huge news about the sudden collapse of SVB bank which was a top 20 bank in the United States just a few days ago. It’s all over all media and it’s still a heavily talked about topic. I have funds in Stashaway and they sent an email to detail to all the investors that its funds are safe and exposure to SVB bank is negligible. I could accept their explanation, so my funds in Stashaway is still in Stashaway.

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