15 countries where the most billionaires are in. :)

Any thoughts about becoming a billionaire? Well, perhaps the currency plays an important part as well. How about US$ billionaires? Any thoughts where are they and what they do? Well, for what they do, here’s an earlier article: Aiming what billionaires do, first As for where all these billionaires come from, here’s one latest article … Read more15 countries where the most billionaires are in. 🙂

Malaysian CEOs paid 148x more than average worker pay.

I wrote this article over 3 years ago: When CEO’s salaries get too high. Frankly, a CEO getting paid RM20 million versus RM15 million? The difference is not huge because the usual things he could buy with RM20 million or RM15 million is well, nearly everything. That difference of RM5 million, even if divided to … Read moreMalaysian CEOs paid 148x more than average worker pay.

Worst in the world maybe but we are turning around soon. (BURSA)

I do not think it is wise to put all our eggs (money) into the same basket. Before my property investment journey (I define my property investment journey from the 2nd property onwards), I have started and still continuing with unit trust and shares too. The results were okay for unit trust while for the … Read moreWorst in the world maybe but we are turning around soon. (BURSA)

Follow the ones who have made it. Simple strategy.

Wealth creation is a goal for everyone. Especially those who have this word ‘investment’ in their mind all the time. Over 15 years ago, when I first started my property investment journey, there were very few sites / speakers to read / follow. In fact there were just three which I read then. Dr. Renesial … Read moreFollow the ones who have made it. Simple strategy.

Could not get your loan approved? Tell Finance Ministry.

I did not really think there is a need to write about this but then again a friend said that now the Finance Ministry is the ‘approver of last resort’ when it comes to home loans. They could change the decision of banks. Frankly, I do not think so. At most, they (Finance Ministry) are … Read moreCould not get your loan approved? Tell Finance Ministry.

RM350,000 vs RM5,000 salary. Problem?

I really want to ask this question because again, I read about some experts’ comments in the media about property prices in Malaysia being way too high versus income. Do not wish to quote that article because I debated with the person before. She is a prominent researcher and I am just a regular blogger. … Read moreRM350,000 vs RM5,000 salary. Problem?

Lower rates are possible. Home buyers rejoice?

Generally, when an economy does very well, the interest rates are raised. The central bank does not want the economy to get overheated, does not want too much speculative activities (people simply buy properties, stocks and everything) and does not want inflation to up too much. (way faster than salary increment for example). Then, why … Read moreLower rates are possible. Home buyers rejoice?

If you do not sell, you do not lose money, yet. (better buy low though…)

The thing about investment is this. We invest and we wait for that investment to appreciate. Assuming we bought a home for own-stay of RM500,000 with a downpayment of RM50,000 and it has appreciated by RM50,000 after 5 years. The return based on a simple calculation would be 100 percent. RM50,000 downpayment and RM50,000 returns. … Read moreIf you do not sell, you do not lose money, yet. (better buy low though…)

CIMB will lend RM12 Billion to the B40 segment in Malaysia

Yes, the title is real. It’s targeted at some people who believe the banks are no longer lending. Frankly, when the banks stop lending, they stop earning yeah. Not a very good sign actually. However, if the borrower does not quality at all, please don’t lend to them yeah. Banks need to be more flexible … Read moreCIMB will lend RM12 Billion to the B40 segment in Malaysia

How do we define ‘successful’? (financially speaking?)

This is a very strong word. ‘Successful.’ How do we define if someone is successful? A close friend responded to me via Whatsapp after she read this article: Preference means one could but chose not to Actual conversation in Whatsapp. Her part: “I like Volvo personally but very money minded people say Volvo have no … Read moreHow do we define ‘successful’? (financially speaking?)

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