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Category: ABCs of Personal Finance

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ABCs of Personal Finance

Financial News: Household Income Classification – B1 to T2. What’s the actual number?

I have friends who are no longer working and is way below the typical retirement age. One just came back from Pakistan and few weeks later went to Laos and few weeks from today will be going to another city in China. Another flew overseas and attend cooking classes. Another friend who is within the stsrting point of M40 classification below bought he third property a few years ago.

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ABCs of Personal Finance

Mark your calendars because INVEST Fair is making a comeback!

This is a common question to me when they know I am the founder of kopiandproperty.com which is Malaysia’s leading independent property blog. “Do you think property investment is the best investment type?” Sorry, my answer is not what most people expect yeah. Investment, as long as it continues to provide good returns, within acceptable risks to the investor and continuous would be needed. Period. It’s all about Investment and not about whether property or stock or whatever type yeah.

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ABCs of Personal Finance

Property Investment 101: 3 Powerful Tips from Bos Molly

I am a founding member of this very amazing club which I have learnt a lot and also shared my knowledge, experience to. Kuala Lumpur & Selangor Property Investors Club. Recently I attended another one of the super informative sessions only for members and one of the speakers invited is none other than someone whom I have been following for a while. She is none other than Bos Molly. Take a look below:

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ABCs of Personal Finance

Property Investment 101: Working and Investing are complementary for journey to financial success

It’s not just the working professionals yeah. The entrepreneur is also working to achieve her financial success. In fact she needs to work harder than a working professional because the entreprenuer has no income ceiling as everything is dependent on the success of her business. Meanwhile, a working professional no matter how he works would earn the same salary every month except when he gets a promotion or a bonus and an increment after every 12 months.

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calm couple putting carton boxes into car trunk
ABCs of Personal Finance

Financial news: Countries with decreased housing prices. Does this mean it’s easier for the people to buy a property?

It’s quite funny, really. When we think prices are moving up, we buy. It does not matter who made us think so. We may also not have any idea if we are already buying at the peak but it will only matter later. The worry is not being able to get anything if we do not buy now. I have friends who bought into the craze of a certain area many years ago and until today, that same little unit is still not fetching the rental which she thought she would. Perhaps just need to wait a little longer.

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a person giving a bundle of keys to another person
ABCs of Personal Finance

Personal Finance 101: Property Investment is no longer necessary

Someone shared that investing into the stock market is easy. He showed many success stories. Someone shared that his crypto-currency is starting to show positive signs again. Someone shared that when it comes to the current situation, it’s best to rent because we could save more money versus buying a property. Renting may be RM2,000 but paying repayment for the same property could be 50 percent higher, or at least 20 or 30 percent higher. Everyone has their say because they may have achieved something positive and thus they are sharing what they know. I just like to ask three easy to answer questions.

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ABCs of Personal Finance

Business Owner / HR? Do Payroll, Go Kakitangan.com

The first time I met the Founder of kakitangan.com Effon was maybe 8 years ago. I could not remember the exact year but it does not really matter. I remember these though in that meeting. He has a vision. He speaks fast. He tells you what he wanted to do very enthusiastically. He listens, analyses and quickly puts in plan if that’s what was needed. Most importantly, he is really conscious of managing costs so that the company could keep growing with limited funds. This is how he has managed to grow kakitangan.com to become a typical payroll software many SMEs know and use today. If you are NOT yet using this Online Payroll System, it’s best you quickly contact them and try it out. Trying for free is FREE. (click here)

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close up of man holding coins in hand
EPF

Financial news: Only 19% EPF contributors have sufficient savings to live above poverty line after retirement

If we take these two and we combine the info, then RM2,208 divided by 4 persons meant that this household has RM552 per person in the household. Fortunately it’s a household, so whether rental / home loan repayment is just one person and not all. Meanwhile cooking at home will lessen some of the burden versus eating outside. Nevertheless, it’s not a good life and Statistics Department classified any household with RM2,208 as living under poverty line.

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a wallet and white ceramic mug filled with coffee on a table
ABCs of Personal Finance

Personal Finance 101: 4 Pillars for Financial Success

There are no universally agreed definition of financial success. Suffice to say, financial success for someone may be that his debts are under control and that his networth is positive (total assets minus total debts). It could also mean that every year, his wealth is growing faster than his debts. In other words, financial success can be achieved by anyone and it’s very different from becoming a billionaire for example.

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