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Category: ABCs of Personal Finance

commercial airplane maintenance at sunset
Career Related

Higher pay is always more attractive. This industry has a huge shortage…

Would you like to know which industry or which role has a huge shortage? Rule of economics, when there is a shortage of supply, prices would go up because there are just not enough and thus the supply would go to the part who is willing to pay highest first. Thus, when there is a shortage of talents for one particular industry, it’s likely that the people working in this industry will be paid higher than others and thus, it is attractive to enter. Which one is that? Read on.

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red volkswagen beetle parked at road side near pedestrian lane
ABCs of Personal Finance

The longer we keep that car, the more money we have, correct?

How long do you drive your car before you trade it in for a new car? Perhaps it’s after the car loan ends? Maybe between 7-9 years? My ex Japanese boss used to marvel at me when he saw my speedometer showed 6 figures. He says, that’s unlikely to happen in Japan. Of course, it’s also because in Japan, he stayed in a city which is 200km away from Tokyo and took the bullet train to work, thus, he does not drive to work daily. Yes, he travels close to 450km daily just to go to work in Tokyo from his city! Daily! 🙂

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gold colored diamond engagement ring
ABCs of Personal Finance

Getting a wife and earning money at the same time. Wow. Illegal though…

I have friends with non-Malaysian wives. I also have friends with non-Malaysian husbands. I think it’s perfectly fine because love conquers all mah. Okay, honestly, many would also speak of stories where the marriage is for money because the other half could be from a billionaire family. I am very sure not all of these stories are real and some are just because people are jealous. I have very wealthy friends who are humble and I have ‘not-so-rich’ friends who continue to pretend and definitely not humble.

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diverse teenager friends in colorful clothes
ABCs of Personal Finance

With current property prices, can future generation afford a property?

There are always news saying that the next generation may not be able to afford their own property. Maybe one reason is also because people are getting married later, so their partner could not help in the mortgage payment until much later. I was fortunate as my wife was working when we bought our first property together.

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crop housewife cleaning surface near sink
Career Related

Working as a cleaner, why need to feel ashamed?

Seriously, is there a need to feel ashamed with the job we do? Did we cheat? Did we rob? Did we steal? I know of SO MANY people who cheat people… rob people of opportunities… steal the work of others and pretend as their own. These people were not ashamed yeah. They are even proudly showing off the gains from all these unscrupulous ways.

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white printer paper
ABCs of Personal Finance

Why is it positive when more people are borrowing?!

There is an analysis by CIMB Securities which has an “overweight” stance on the banking sector. Basically, “overweight” means they are saying it is good to invest into the banking sector because they expect it to do well. How do they come to this conclusion is through the strong loans growth in July 2024. Wait a minute, strong loans growth is good? Is that not more people having more debts? I thought we are supposed to have a low household debt for the economy to be healthy, right? 🙂

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a street in hanno saitama japan
ABCs of Personal Finance

Can you own 3 properties by 34 years old? This woman could!

For many years, every time anyone told me that their salary is not enough or that their employer underpaid them, I will ask them to think of ways to get a second income or to get another job which could pay them better. Most of the time, the answer is that they are too busy or that they could not find another job which could pay them higher plus doing the same work as what they do today.

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gold bars
ABCs of Personal Finance

Thinking of investing into gold? Bearish signs now.

Before we even start to buy, we now have many bearish news about gold. The below are just three out of many which have flooded the internet now. In other words, gold price could not sustain its upwards momentum and has now fallen below that psychological level of US$2,500. Anyway, perhaps it’s good to also take a breather. In a marathon, the runners pace themselves and not try to have quick burst of speed because they will not be able to sustain the pace yeah.

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patient with iv line
ABCs of Personal Finance

Do you have emergency savings? Please do!

I still remember when I just started working and there was this one month when I had some unforeseen expenses and I was down to just RM50 for the final week before salary day. I have to pump petrol for my car too. It was indeed stressful. I could ask for help from my parents, of course but it would be something I take as a last resort. So, at that time, I only pumped the minimum amount possible for petrol.

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white eggs in brown nest
ABCs of Personal Finance

Gold getting more expensive and property price may dip?

I had a great conversation with someone who loves hold investment and could speak easily on the topic for hours. However, he kept saying that property investment is not good because… he bought a landed property somewhere in Klang Valley and it has not appreciated much for the past 5 years and yet the rental is very bad and could not cover the monthly mortgage payment.

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quote box ontop of stack of paper bills
ABCs of Personal Finance

Showing off you are rich? Remember to pay your tax.

Two things we cannot run away from. Death and Taxes. I am very sure people intend to pay tax if they earn higher than the tax threshold. However, for some who’s doing a small business, it’s not easy for the tax department to keep track on whether the small business owner should pay tax or not. No tax is applicable if the earning is low. No tax is applicable if the business is suffering losses too.

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