ABCs of Personal Finance
Personal Finance 101: Is selling your GOLD the right thing to do?
Personal Finance 101: Is selling your GOLD the right thing to do? I do not have the habit of buying and selling gold I have
Personal Finance 101: Is selling your GOLD the right thing to do? I do not have the habit of buying and selling gold I have
Personal Finance 101: Debt-free by 40. Are you also aiming for this goal too? Debt-free by 40. Are you also aiming for it? I have
Personal Finance 101: Know what is Macau Scam! It’s so hard to earn, save and invest, please do not lose it to Macau Scam yeah
Personal Finance 101: How much must we earn to be ‘Middle Class’? I love visualcapitalist.com If you still did not know of this site, please
Property News Malaysia: Redevelopment is now possible following international practices When redevelopment is not possible In Malaysia, if there are proposals for a development to
Budget 2024 – Proposed Tax Measures and Its Implications by Thannees Tax Consulting Services We know of the many different tax measures under Budget 2024.
Property news: Without a home, then it’s homeless Since I have written many times why property is compulsory, today let’s take a rest and just
I have many friends who share with me that their bosses are out of their mind. Some would also tell me that their bosses refused to pay them a competitive salary and even the bonus is low every year for the past many years. There are also friends who told me that they have to work for over 10 hours every day and they are so tired. There’s also a group of friends who told me that they are looking for another job and found another but the pay was not up to their expectation. Do you also have such friends?
Do take a look at how fast and furious was the rise of the interest rate in the US and do understand that if you are an investor, you are not that clever if you do not take advantage when the interest rates keep on rising every quarter. Would you still want to put your money in a place where the FD rate is much lower? This is the LATEST OPR for Malaysia. OPR is maintained at 3% (read here). By the way, the higher the rates, the worst it would become for the people servicing loans yeah. If these people pushes up the bad debts, it will not benefit anyone.
This coming Saturday (15th July 2023), I will be getting the keys to my first landed property home.I say home because this is for my own stay and not as an investment. I bought my first own stay property in 2003 and it is now 2023. That’s 20 years and this is also my 5th home. So, on average I move every 4 years. 🙂 I will need a new tv for my new home, so I was out searching for it and I found this friendly sales person in Aeon Big Kepong. He explained to me in very a very thorough manner. Do go to the TV section and I think he will be there to explain to you as well.
Just these three would allow savings of close to RM20,000 per year!! Now, this is what I call savings. Then again there are friends who told me that when they buy an Electric Vehicle (EV), they are saving money. Please allow me to smile first. Okay, now we look at the photo below:
When a home owner is worried about potential financial crisis, he is just worried. He does not suddenly decide to sell his property at a super huge discount unless of course the financial crisis has affected his financial standing. For example, loss of income or even a sudden need for cash. This is why not every property is up for sale even during a financial crisis. The good areas, with stable owners, we will find a couple of units up for sale and for these, it’s usually snapped up pretty quickly by people not affected by the financial crisis.