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ABCs of Personal Finance

Why Low Inflation Doesn’t Mean You’re Financially Secure

The article discusses the disconnect between low inflation rates and financial security. It highlights how stagnant wages, influenced by market competition and job duplicability, can erode purchasing power, particularly for lower-income groups. It emphasizes the importance of diversifying skills to enhance career value and achieve financial mastery through earning, saving, and investing.

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News

ETS Johor Bahru – Kuala Lumpur starts tomorrow!

The new ETS service from Johor Bahru to Kuala Lumpur launches tomorrow, with current ticket demand favoring the KL to JB route. Prices are reasonable, and trains will increase from two to four daily trips by January 2026. The ETS offers a comfortable, stable, and timely travel experience, but early ticket purchases are essential.

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China and Hong Kong Property related

Would you pay RM142,000 for a 130 sq ft parking space?

A parking space in Melbourne can cost RM142,000, significantly cheaper than Hong Kong’s RM296,000 for less desirable locations. The investment offers a return on investment (ROI) of 9.23 percent annually, with potential rental income. Malaysia currently lacks similar parking space investment opportunities, typically included with high-rise units.

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ABCs of Personal Finance

BNPL Growth in Malaysia: Insights and Implications for Consumers

The buy now, pay later (BNPL) scheme in Malaysia has reached RM4.2 billion, with over 97% of 7 million users managing their loans responsibly. This reflects a small unpaid balance of RM147.7 million, indicating manageable debt levels. BNPL offers consumers flexibility while also supporting economic growth, though regulation may be necessary for consumer protection.

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ABCs of Property Investment

All the places where the homeowners are all millionaires

The article discusses how millionaires primarily accumulate wealth through property investments. It highlights challenges faced by homeowners in cities like Hong Kong, Sydney, Vancouver, and Toronto due to high mortgage-to-income ratios. Despite affordable options in Malaysia, many potential buyers prioritize luxuries over property. Ultimately, property serves as a hedge against inflation, influencing financial stability.

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Press Releases (developers and more)

Sunway Property Highlights Robust Homeownership Demand Following Nationwide Sales Campaign

Sunway Property reported RM1 billion in bookings within three months of its The BIG Deal campaign, indicating strong homeownership demand across Malaysia despite economic challenges. Buyer preferences focus on integrated, sustainable living with practical layouts. The campaign highlights the appeal of well-located, community-driven developments, reflecting evolving homebuyer priorities in 2026.

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MRT LRT ECRL HSR etc

JB Sentral to KL Sentral via ETS? 30 percent discount for this new route!

I heard the journey between JB Sentral and KL Sentral will be around 3.5 hours. So, it is now possible to finish breakfast in JB and enjoy lunch in KL followed by shopping in KL, sightseeing in KL, lots of good food in KL before staying the night and then a breakfast in KL before leaving for JB to have lunch. No need to drive. No need to feel tired. Yes, it’s possible to be cheaper by driving up with 3 others in the car even after including petrol and toll but pity the driver yeah.

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ABCs of Property Investment

Mastering Property Investment: Start with Your Own Home

The article emphasizes that successful property investment should begin with purchasing a home for personal use, rather than aiming for quick profits. It advises against overstretching finances and highlights the importance of thorough due diligence. Slow and steady investment builds wealth while reducing risk, contrasting with the pitfalls of speculative buying.

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Family Fun and Entertainment

Last Chance. The Final Pesta Pulau Pinang. In future, the LRT takes over

Pesta Pulau Pinang, a cherished annual festival since the late 1960s, is concluding its final run at its Sungai Nibong site due to the upcoming LRT construction. With no immediate plans for relocation or continuation, the festival sees its longest hiatus, slated to resume post-2031. This year’s edition promises memorable attractions and experiences.

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Career Related

Tech Salaries Surge: What to Expect in 2026

Digital job salaries in Malaysia are projected to increase by 10.81 percent in 2026, building on a 9.5 percent rise in 2025. This trend reflects strong demand for specialists in technology fields, boosting incomes and economic growth. Continuous adaptation and skill development are essential for professionals to thrive in a changing job market.

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