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Very good question. Buy landed or buy high-rise? (Focus on price)

I was invited to join my good friend Miichael Yeoh the other day for this talk: “Budget 2019 and the Impact on Properties. Strategies Moving Forward.” In the nearly 2 hour sharing and taking questions from the attendees, one particular question popped up again, as usual. “For property investment, isn’t it better to buy landed because … Read moreVery good question. Buy landed or buy high-rise? (Focus on price)

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IOI Properties’s LiVO Referral (Refer and Earn up to RM56,000)

[Sponsored] Some people say it’s best to work two jobs nowadays due to the high cost of living. Actually, there’s another thing we could do. Refer and Earn. We could help our friends and we earn referral fees. This is especially if we know that they are looking for a property their requirements include looking … Read moreIOI Properties’s LiVO Referral (Refer and Earn up to RM56,000)

RM4,000 is equivalent to an extra RM70,000 worth of ‘property’

Buying a property with our own money, that’s most important. Our own money should usually come from savings over a couple of years. It can come from our parents too but should not be from some other speculative sources. This ensures the property price do not rise suddenly. When property prices rises too fast and … Read moreRM4,000 is equivalent to an extra RM70,000 worth of ‘property’

iPhone’s softening demand drags down world stock markets?

iPhone users are typically very loyal to the brand. They may be proud to learn that iPhone is a very powerful device. Nope, not talking about its specs. The power of iPhone in affecting world stock markets. Here’s that article saying so in TheStar:  Apple, trade woes sink global stocks; growth worries drag on US$  Due … Read moreiPhone’s softening demand drags down world stock markets?

REALLY thinking about savings in terms of $? Fuel is not the main thing.

Many months back, I debated with a friend who drives a turbo-charged car. He told me that his car’s fuel consumption is even BETTER than my 9 years old Persona 1.6  I told him, I agree!  Then he said, ‘I can save more money.’ I told him to stop joking because there’s no way he … Read moreREALLY thinking about savings in terms of $? Fuel is not the main thing.

Running away from tax? Don’t show it on social media!

Anyone selling a property in Malaysia these days would have to pay the Real Property Gains Tax (RPGT) even if the period of holding has exceeded 5 years.  Here’s an earlier article how to calculate RPGT Selling a property may be easier to tax because these are documented. What happens for some things which are not … Read moreRunning away from tax? Don’t show it on social media!

Benchmarking the richest people in the world?

If we look at the wealth of a country and divide it by the number of people living in that country, the country with the highest wealth per population is Switzerland. The wealth per adult is US$530,244 (RM2.22 million). The lowest in the top 10 list would be the French with US$280,580 (RM1.17 million). Australians … Read moreBenchmarking the richest people in the world?

Income has to catch up because prices will not fall

When it comes to Personal Finance, it’s down to PERSONAL issues. It is usually not determined by Budget 2019 or the government. For example, I wish my job is easier. However, at the same time, I wish my salary is also higher. Briefly, when someone in a cheaper cost country could do what we do … Read moreIncome has to catch up because prices will not fall

Budget 2019: Simplicity matters, really.

Many friends were discussing about the fuel subsidy in Budget 2019. Well, naturally drivers of Exora 1.6 and Persona 1.6 are unhappy (my wife and I) while that of Vios 1.5, City 1.5 or even Almera 1.5 are happy that they will be receiving the subsidy of 30 cents per litre up to 100 litres … Read moreBudget 2019: Simplicity matters, really.

Working is also about responsibility, not just money. (you can leave too, right?)

This morning, I was listening to the radio and this topic came up. “Should we reply our bosses if they were to message us after working hours?” What are your thoughts? As usual, many employees called in to complain about their bosses being very inconsiderate. They said that their bosses expected immediate reply regardless of … Read moreWorking is also about responsibility, not just money. (you can leave too, right?)

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