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ABCs of Personal Finance

How additional RM1 Billion Funding Supports Civil Servant Homeownership

It’s important to assist civil servants to own a place because this will help ensure they have a comfortable life after retirement. How many civil servants want to continue paying for a place to stay or worse still, paying for a room to stay after they retire? Thus, it’s important to help them purchase a home. There are many affordable homes scheme but sometimes, the downpayment could be an issue. So, any help is always good for the civil servants too. LPPSA is able to give 100 percent loan. When they do not need to worry about having a place to stay, then of course they could also do their best for us the public too.

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ABCs of Personal Finance

Unlock Free Lounge Access with the Right Enrich Card

Do you know that when we travel frequently, it’s best to travel frequently with the same airline? This helps us to earn loyalty points which could then be used to redeem for benefits offered by the airline loyalty card. One such card is Malaysia Airlines’ Enrich card. Do skip this if you travel via business class every time. I think you are wealthy enough without the need to slowly accumulate points which you can then redeem for benefits. Congratulations if you are at this stage already. Else, read on…

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ABCs of Personal Finance

Debts must be paid, else our assets could be auctioned off to pay, even if one is a famous personality

Strata home owners who refuse to pay the management fee. How bad can it be? Just let it be and forget about it since nothing could be done to force the owner to pay the management fees? Well, it’s totally not true. In fact in the worse case scenario the owner could even be jailed! This is after their belongings have been auctioned off and it’s still not enough to cover the management fee… Yes, imprisoned for up to three years. Read more details here:

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Press Releases (developers and more)

Trinity Rainfora Phase 1 Fully Sold, Second Phase Set for Launch

Boutique developer Trinity Group Sdn Bhd has successfully achieved a full take-up for Phase One of Trinity Rainfora, its rainforest-inspired high-rise development in Bandar Kinrara.

Riding on the back of this strong market response, the developer has announced the upcoming launch of the second and final phase, with units priced from RM568,000.

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ABCs of Property Investment

Understanding Aging Districts: Invest or Stay?

The above refers to the population. Thus, if these are the population statistics for districts, then these districts would also be known as aging districts too. Frankly, I have heard of Ipoh being the town of retirees and someone mentioned the other day that Taiping has more retirees than Ipoh. Well, both these were not mentioned in the Emerging Aging Districts presented by PropertyGuru during its Future Built 2025 summit which happened on 30th October.

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ABCs of Personal Finance

World Bank Advocates Aligning EPF Withdrawal Age with Retirement

For some of us, the answer is, ‘yesterday.’ The money is ours, why could we not withdraw it anytime we want? For the ones who are working and maybe has a more stable earnings versus expenses, maybe it’s on the dot at 55 years old. Nothing more, nothing less. Meanwhile my aunty who has retired told me that it’s best to just leave it inside EPF because the dividends are very good and FD is lower while stock market is a lot more volatile. So, her choice is based on what her needs are.

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ASIA / ASEAN

Avoid NUS and NTU Admission Scams: What You Need to Know

NUS is National University of Singapore and NTU is Nanyang Technological University. NUS is 8th in the world and NTU is 12th in the world. They do make Asia proud as they are right up there with the best in the world and if both of them were in the US, they would only be behind a handful of universities. Amazing achievements indeed.

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ABCs of Personal Finance

THE MALAYSIAN LEVELS OF WEALTH by Mr-Stingy

You can move directly into his very insightful article (below) by a good friend whom I used to have coffee occasionally some years back. Perhaps these days he’s too busy, I am too busy and thus we have not met for some years. However, I have to say that his writing ability is top-notch and he has that uncanny ability to share insights in a simple way. Recently, he wrote this insightful piece which I think every Malaysian professional wanting to know where he is where wealth is concerned should read.

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ABCs of Personal Finance

How can inflation be good for us? High inflation is a killer!

Everyone hates inflation, I think. They make our money become smaller. When we used to be able to afford more things, now we could afford fewer things with the same amount of money. Anyone without income will find inflation is scary even. As they watch the amount of money in their bank account reducing, they also realize things are getting more expensive. They may even start to think if they should get some income to reduce the impact.

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Affordable holidays

HK Express: Your Low-Cost Journey to Hong Kong

In January this year, I left my children with my brother in Penang and flew to Hong Kong followed by Fukuoka with my wife. She did not know it’s Hong Kong until we arrived at the Penang International Airport. She did not know about Fukuoka until one day before we left Hong Kong! Haha. It was a surprise trip but I did advise her on clothes to bring and also her passport. HK Express is a low cost airline yeah. It’s Cathay Pacific’s wholly owned low-cost subsidiary.

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ABCs of Property Investment

Thinking of overhang properties? 85 percent of serviced apartment overhang are 5 years or more!

It’s predominantly in three states. Largest number would be Johor with close to 10,000 units (Yes, you definitely have heard of them), followed by WP Kuala Lumpur with 4,112 units and then Selangor with 2,561 units. These three markets would total 16,180 units and this is 89 percent of all service apartments categorized as overhang. In other words, if these three states clear their serviced apartment old stocks, then we have no more overhang or very little of them. Speaking of serviced apartment old stocks, how old are they?

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Iskandar / JB Property

Ready to buy? Johor–Singapore Special Economic Zone (JS-SEZ) a potential property catalyst?

Any property market would need catalysts for it to grow in size and also in price. If phase 1 is successful, phase 2 would continue and followed by next phases too. With every phase, prices would also continue to increase. If there are catalysts, for example a new mall (successful regional mall), many new shops, an office tower or even a new MRT station, then chances are this particular area will be increasing it’s attractiveness and thus attracting more interests too. This is why developers build townships. They want to increase the attractiveness of the property market.

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