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Category: ABCs of Personal Finance

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ABCs of Personal Finance

Big Mac as an ‘inflation’ measurement. Cheapest and most expensive countries are…?

The Big Mac PPP is an informal measure of exchange rate valuation created by the Economist in 1986. It uses the price of a McDonald’s Big Mac as a benchmark to compare the purchasing power between different currencies. Source: investopedia.com

There are limitations to using this as a benchmark but since then, this has been widely regarded as another popular measurement to determine the strength of the currency. So, let’s look at the latest measurement today and see what is the price of Big Macs all around the world and also where is Malaysia?

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woman pouring cappuccino
ABCs of Personal Finance

Coffee. Cafe. Not Luxury. Delivery. Simple Formula. Property Investment Thoughts?

I was meeting a valuer who has over 6,000 followers yesterday evening. He gave a presentation just last week during the Malaysia Land Conference and I learnt a lot of new knowledge from him. I have known him for some time but has not heard him speak and I think more organisations need to invite him to share his wealth of knowledge. He is Henry Heng. Follow him on LinkedIn here: Henry Heng, MBA, Valuer (Asset and Business). We met at a brand which is today my favourite as I could just order and then drive by the cafe to pick up my coffee. It’s ZUS COFFEE.

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man near carton boxes with many different words about stress
ABCs of Personal Finance

Renting a place and budget of just RM1,500 – RM2,000?

These days, renting is quite easy. Choices are aplenty and it depends on just the budget that we are willing or capable of paying. I think in order to stay at a place with certain facilities, probably furnished partially and has good amenities within the area, RM1,500 – RM2,000 monthly rental is considered a reasonable number. Sorry, no pent-houses with this budget yeah.

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balloons rising to the morning sky
ABCs of Personal Finance

Cheapest and most expensive countries to get a loan?

If I am a retiree who is not interested with any property investment and have all my money in the fixed deposits in the bank, I would appreciate a high interest rate so that my returns will be as high as possible for me to beat inflation numbers. At the same time, if I am a working professional looking to buy my first property, I would appreciate the lowest possible interest rate so that my monthly repayment is as low as possible and I will not be saddled with too high financial commitment. I still need money to enjoy good food in Malaysia! So, should the rates be high or should it be low then?

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emergency signage
ABCs of Personal Finance

Cost-Sharing for medical and health insurance will start in 3Q 2024. Means what?

If we have a medical card today and we are admitted into the hospital for treatment, chances are we will not have to pay a single cent and even if we do pay, we will be reimbursed the amount after we are discharged too. Of course, all these would depend on our medical card’s limit. The higher the limit, the less worry we have while if we exceed the amount, then we will have to foot the balance. This is about to change yeah.

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scrabble letters spelling yield on a white table
ABCs of Personal Finance

Benefits of Investing into REITs. Another REIT choice may be coming

Let’s have Bursa Malaysia telling us a little about what is REIT and why it has now been a popular way for people wanting to invest into properties, usually commercial properties. We cannot buy the whole office tower but we could buy a small tiny little part of that office tower when we buy REITs just like how we buy shares in companies.

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