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Definitely not something to be proud of. 38 percent of youths have personal loan.

One close friend who’s around the same age as me does not have a credit card today. (I am 41) He used to have many and it gave him lots of debts. These days, cash is king for him.  Well, this was shared in FB today. 47 percent of youths have high credit card debt. … Read moreDefinitely not something to be proud of. 38 percent of youths have personal loan.

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Are we “Earning, Saving, Investing and Preserving?”

Some say money is the root of all evil. Well, I am not sure what we should say with reports that people like Bill Gates, Warren Buffett and even Mark Zuckerberg will be leaving most of their wealth with charity instead. I think money is a great enabler, a tool to do a lot of … Read moreAre we “Earning, Saving, Investing and Preserving?”

Low income equals low savings? Do something about it.

Someone mentioned that other day that it is not easy to help those with low incomes. The reason he said so was that these people may have way too little to save and without much savings, there’s little they could use for investments anyway. I would not say what he said was not true. However, … Read moreLow income equals low savings? Do something about it.

Higher salary does not mean one is richer yeah. TRUE.

In an article I read in FreeMalaysiaToday.com, this is what our PM Tun Dr. Mahathir Mohamad said. A rich country is determined by the strength of its people’s purchasing power, not just high salaries. Even if one were to have a salary increase of 10% to 25%, this would come to naught it the cost of … Read moreHigher salary does not mean one is richer yeah. TRUE.

Tips to pay down debt and save $$$

When we have extra money to spare, DO NOT SPEND it somewhere. We may even forget where we spent it last month. How about using those extra to pay down our debts. Frankly, I disagree with anyone who thinks that buying many properties at the same time and hopefully flip them will make us rich. … Read moreTips to pay down debt and save $$$

Do you believe the property bubble is bursting soon?

When sentiment is not that negative and people say something negative, it will usually affect the sentiment further. The herd mentality always apply regardless of whether it’s an investment or just buying the latest smartphone model. Remember that prediction about property bubble bursting? Here’s that prediction: Property Bubble close to bursting  After that, in order to … Read moreDo you believe the property bubble is bursting soon?

kopiandproperty.com: the journey to earn more than pocket money

If you are thinking of starting a blog today, have you wondered how far it could go? Earning some pocket money every month? A couple hundred ringgits per month perhaps? How about turning the blog into a Sdn Bhd after some time and employing full time staff whom you pay market salary? Perhaps even achieving … Read morekopiandproperty.com: the journey to earn more than pocket money

What can RM100 so? Unlimited rides? More, actually.

I think many people love our new Transport Minister Anthony Loke because of this statement, “Unlimited monthly public transportation pass to come on board early 2019, says Loke.” That article was in TheEdgeMarkets.com.  No, not just those who are taking the public transport today. It will also include those driving to work whose office are … Read moreWhat can RM100 so? Unlimited rides? More, actually.

Who enjoys more, an investor or a consumer? The answer is…

Every financial guru would tell us to exercise delayed gratification. In brief, it meant we should NOT be materialistic until we really could afford to buy things without a need to ask for the price first. Well, for some of us, that may take like, forever? Haha. Anyway, I personally think delayed gratification is to … Read moreWho enjoys more, an investor or a consumer? The answer is…

Bankruptcy: The usual Questions and Answers

Many people asked me if auction properties are usually because the owner became a bankrupt. Simple answer is, NO. It is not necessary the case. In fact these days Public Auction for Owners (PAO) are slowly becoming common. We will visit this in future. Coming back to a bankrupt. How does one become a bankrupt … Read moreBankruptcy: The usual Questions and Answers

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