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ABCs of Personal Finance

Property Investment 101: Working and Investing are complementary for journey to financial success

It’s not just the working professionals yeah. The entrepreneur is also working to achieve her financial success. In fact she needs to work harder than a working professional because the entreprenuer has no income ceiling as everything is dependent on the success of her business. Meanwhile, a working professional no matter how he works would earn the same salary every month except when he gets a promotion or a bonus and an increment after every 12 months.

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black home area rug
ABCs of Property Investment

Financial news: Harder to buy a property today or a long time ago?

There was a time when depositing RM1 million in the bank as Fixed Deposit will gain the saver 8 percent of interest if not higher and that means this saver could get a monthly interest equivalent to RM6,667 per month. This is the typical salary of a M40 household. In other words, it’s actually possible to take it easy once we have managed to save our first RM1 million. RM6,667 is not a lot of money but certainly enough even for today’s typical expenses per month. I know, it’s much harder to get RM1 million then because the salaries are lower.

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time lapse photography of brown concrete building
IPO / Equity / Stock Market

Personal Finance 101: Investing into fast growth companies and ‘normal’ growth companies

Yesterday, I posted something I love to read but is still unwilling to spend money on it; cars. I wrote about the state of EVs, which brand is on top, which brand use to be top and what are the brands which may be the future. There is also a chart for upcoming ones too in the top 10 list of brands which are now selling EVs. It used to be a lonely affair for one major brand yeah; Tesla for EVs. Today, we look at both EVs and one particular company which is the number 1 car seller in the world and yet is not even within the top 10 for EV charts.

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forced perspective photography of cars running on road below smartphone
US / Dollar related

Do you want to drive an Electric Vehicle which is the most popular in the world?

Yes, it’s Tesla. The brand without a single petrol engined car. The brand which has just 4 models and is able to dominate the sales chart of EVs all over the world… until 2021. In 2022, it’s no longer that top EV selling car company. Do take a look at the chart below to see which brand suddenly become number 1 within just 1 year by growing more than twice its total sold numbers in 2021. Yes, it’s now BYD. I have seen this car on the road many times and it says BYD stands for Build Your Dream. Chart below comes from visualcapitalist.com

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calm couple putting carton boxes into car trunk
ABCs of Personal Finance

Financial news: Countries with decreased housing prices. Does this mean it’s easier for the people to buy a property?

It’s quite funny, really. When we think prices are moving up, we buy. It does not matter who made us think so. We may also not have any idea if we are already buying at the peak but it will only matter later. The worry is not being able to get anything if we do not buy now. I have friends who bought into the craze of a certain area many years ago and until today, that same little unit is still not fetching the rental which she thought she would. Perhaps just need to wait a little longer.

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photography of barrel wave
ABCs of Property Investment

Property Investment 101: Property Investment cannot be fast and furious please.

I hate it when property market transactions rise because people were thinking that the next rush is coming and they fear of missing out. As everyone is now buying with a specutive mindset, the price is no longer the focus. Everyone thought the price will be ever higher when they sell in the future. It’s as if there’s always a better price tomorrow! Haha. Stop believing this kind of fairytale yeah.

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cement flowing at construction site
ABCs of Property Investment

Financial news: Property prices after taking out inflation. Which countries are up, which are actually down?

Everytime I hear people say property is just too expensive, I am not sure how to say how pitiful some people in these countries where the property prices are rising much higher then inflation are feeling. Then again, it’s comparative because people would then say but the ringgit is down so much. When pointed out that ringgit has not moved much against most currencies and in fact is better than some advanced country currencies, they would tell me they don’t believe there’s such a thing. Whatever lah.

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exited diverse couple relocating in new apartment
Renting News

Renting News: The decision of whom to rent to is with the landlord

A potential tenant, a husband and wife came to view my 730 sq ft apartment with a real estate negotiator (REN). After they have viewed the whole unit, the husband said to me. “I think your unit is okay. You know, most of the units I have viewed are asking for RM500 – RM550 rental per month.”

“Okay” is not the word I am too happy to hear. Benchmarking a fully-furnished unit (because I moved out) versus some empty units around the area is also not something logical to me. My reply to them in front of the REN is something like this. “Actually if most of the units you viewed are already at RM500 – RM550, I would suggest that you choose one of those units. If I am you, I would not come and view this RM650 unit.”

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slender woman resting in hammock under glowing garlands
ABCs of Property Investment

Property Investment 101: Every 1% increase in interest rate means how much extra repayment per month?

Whether it’s the U.S, or Australia or even the UK, the central banks of these countries have been increasing their rates. Generally, they say it’s to fight the rising inflation. Briefly, when too many people are spending too much of their money and the prices moved up too fast because too much money chasing too few goods, the central banks will increase the rates. People may prefer to keep their money versus spending it since they will get higher returns. Theoretically, that’s what they say.

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white concrete building
ABCs of Property Investment

Property Investment 101: Are you sure prices would move upwards?

I have been asked this question many times. Maybe someone hope that if they ask me enough times, my answer to them may be a different one? Haha. “How sure am I that the home price will continue rising?” As usual, my answer is just look at all the more advanced countries than Malaysia. Stop thinking of Malaysia as a centre of the world for property. We are not. Not even close to that status. Most of our transactions are from Malaysians. As for answering the question about the potential for home prices to keep rising, let’s not write. Let’s just look at charts after charts. All are from tradingeconomics.com

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