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ABCs of Personal Finance

Aggressive hiring and aggressively high salary may just mean property investment is not needed. Thoughts?

As much as employees are no longer having that loyalty to work for the same company from the day they started till the day they retire, employers are no longer offering employment till the day we retire too. One day it could be hiring and the next day it could be firing. From being treated as someone valuable to the team to someone who’s just an extra and thus some streamlining needs to happen and thus we are asked to leave and we need to now look for another job.

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ABCs of Property Investment

When will property buying stops? When it’s unaffordable, right?

If this question is for the common people, then the answer is very simple. If our current income could not support us in buying a property, then the property is unaffordable to us. Could we make it affordable? Yes, we could if we are in Malaysia. We may not be able to do so in some countries. In Malaysia, if we like to buy a cheaper property, we buy a smaller unit, we can choose a high-rise versus a landed, we can choose to buy further versus a population neighborhood or we could also choose to buy a lower end type of property.

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silhouette of man holding flamethrower
EPF

Treat your people well! Pay their EPF contributions on time or else…

I could not understand why people like to owe money which is due to their employees. They work hard to help the company earn more money. Once upon a time, a friend (who’s definitely no longer a friend) also did the same to his employees. Sigh. I hope that friend has changed his ways and be good to his employees. They work for you, they help you earn more money, they give their time, effort and brain power to you.

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China and Hong Kong Property related

Yuan’s stability will help facilitate growth in trading between nations

When it comes to trading between nations, it is important for the currency to be stable. Else, it is so hard to price the goods and one party could lose when the currency exchange is very different from the time or ordering to the time of delivery. This is why every country strives to ensure its currency is stable. This is also why most trades would use the same currency and typically it’s the US$.

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ABCs of Property Investment

Are there still affordable homes in the Klang Valley?

I need a home which can accommodate 4-5 people. The home must have 3 rooms and 3 baths. The home must be near to my office and near to my son’s school and near to my wife’s favourite supermarket. The home has to come with tiptop security and super good facilities such as a pool, badminton courts, jogging track etc. The home must be priced below RM300,000.

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