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Category: ABCs of Personal Finance

ev charging station
ABCs of Personal Finance

Personal Finance 101: Nope, EVs do not save you money. Get serious!

Over 10 years ago, my wife told me about her colleague who shared that he bought a hybrid car because he wanted to save on fuel. It could be driven like many hundreds of km and the cost to pump petrol is super low. I laughed. Please note that we can never save enough from petrol costs in order to make these hybrids become cost-effective to our expenses yeah. Hybrid cars of the same size versus petrol cars are usually double or higher the price of a similarly sized car. Let’s just do a simple calculation as below.

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photo of buildings during daytime
ABCs of Personal Finance

Financial news: When inflation meets head-on with renters

“This is the worst housing crisis in 30 years,” said Gabriel Mraida, president of the Buenos Aires municipality’s Institute of Housing. According to income tax data “there are some 70,000 registered rental housing units in the city, but… about 500,000 households are tenants, just to give you an idea” of the scale of informal rental, he told AFP. Do read the full article with a lot more stories here: article in nst.com.my

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coins in a jar
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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