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ABCs of Personal Finance

Find Accurate Calculators for Property and Finance

For any property purchase, every time I wanted to know how much I would need to pay every month, I would be using this site. It’s the site all the calculators you need: https://www.calculator.com.my. In fact for our own financial sense, it pays to keep ourselves updated on the potential so that we could do something about it in advance if the potential at the end is not what we expect. Do not only do something when it’s too late yeah. Do it as early as possible. 🙂

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London UK Property

BNM has maintained OPR. Bank of England too! Same reason?

As soon as the rates are changed higher or lower, banks will have to inform their customers of the change and then inform of the new amount to be paid. This is usually very quickly. When the central bank lowers the interest, they hope businesses will borrow and expand. This decision to borrow and expand will take time. Meanwhile for the people who has Fixed Deposit, the rate cannot be changed and it can only change in the next renewal whether higher or lower.

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Property Australia

How Australians Afford Million-Dollar Homes

I am not too sure but I think Australians continue to buy properties because total transactions for 2024 was over 700,000 transactions! Australian population is close to 28 million while Malaysia’s total population is close to 36 million. Our total residential property transactions in 2024 was 260,000 units and this is merely 35 percent of Australia’s number despite us having a 25 percent more population than them. This is why they are an advanced property market and we are just an emerging one yeah.

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ABCs of Property Investment

Johor’s property market has strong price growth, outperformed Selangor, Kuala Lumpur and Penang

Still think JB property market is lifeless? Still equating JB property market with the empty units in Forest City? Still believe all the bad news, bad news and bad news? Maybe can read news about actual property transactions and price movements too. As per report, Johor’s property market has a stronger price growth versus Selangor, Kuala Lumpur and Penang. I know, this is also because Johor has been a laggard since it has ‘negative’ stamped on it.

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ABCs of Personal Finance

When Can You Withdraw EPF Savings? Age 55, 60, or 65 Explained

Despite all the news, as at today, November 2025, it’s still full withdrawal at 55 years old. You can keep your job, keep contributing but yes you can withdraw in full when you reach 55 years old. Wah… for me that’s just another 7 years to go. Haha. Looking forward? Well, take a look at the below for some ideas of what you could decide to do. Everyone has own prerogative and perspective too. Choice is yours to make.

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Property Singapore related

How COE Affects Car Prices in Singapore

Well, the amount really depend on the demand for the Certificate of Entitlement (COE) which is the amount to be paid before one could proceed to buy a car in Singapore. This COE is on top of car price. As an example, Proton e.MAS 7 price in Singapore is SGD175,988 (about RM577k) after including the COE. This price is actually on the high side even if one is working and earning SGD.

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ABCs of Property Investment

How to Determine If Property Prices Are Overpriced

My good friend, Ken is the founder for both penangpropertytalk.com and also klpropertytalk.com. He told me one exciting new feature which he has just enabled for everyone. In my personal opinion as a property investor, it is very important to know the market price before we buy. Let’s look at the transacted prices before we decide whether to buy or not. There’s really no need to pay way higher than what the market transactions are happening.

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Property Singapore related

Foreign Buyers and Market Trends in Sentosa Cove

Singapore introduced the ABSD starting in April 2023 which is effectively an extra tax for all property buyers targeting foreigners. ABSD means: “Liable buyers are required to pay ABSD on top of the existing Buyer’s Stamp Duty (BSD). ABSD and BSD are computed on the purchase price as stated in the dutiable document or the market value of the property (whichever is the higher amount).”

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Malaysian economy and BNM

BNM’s OPR Decision: What It Means for Your Mortgage

Our current Overnight Policy Rate (OPR) is 2.75 percent. The decision is to be made by the Monetary Policy Committee (MPC) of Bank Negara Malaysia. Current rate is considered as appropriate and supportive of domestic economic growth and as usual, the MPC will monitor global and domestic economic risks before they make their next decision.

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