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“Top Money Tips for Malaysians is a superb book. It’s easy to understand, simple and yet practical. Read it now because it will help you take control of your finances“ ~ Azizi Ali, Malaysia’s #1 Financial Author, Speaker and Trainer

Email from a reader: Save enough to get started with maximum ASB loan

There will be some interesting stories shared by readers from time to time. This one catch my attention and I think it wold benefit you as well. Here is the email from Eidil. As a a teenager who is on his way to grow up become a man, I live a simple life here in [...]

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Your Money or Your Life

Do you put accumulating money a the No.1 priority in your life? Or is it one of many important life goals?

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What is Money Sickness Syndrome?

What is Money Sickness Syndrome (MSS)? What are the signs of MSS and how to prevent it?

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The Get-Rich-QUICK Nonsense

At one point or another, you may have encountered an online banner displaying a smiling person offering you the secret to earning 4 digits per hour. Surely, it is an enticing offer; but isn’t it a little too good to be true? We’ve seen online schemes growing by the numbers. It is very likely that [...]

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1Care National Healthcare proposal: How would it benefit Malaysian citizens?

In case you have not heard about 1Care social heath insurance (another 1Malaysia “initiative”) yet, here is a summary of what we all will be facing if the proposal is passed as law in Parliament soon. This definitely affects your wealth, but most importantly, it also impacts the well-being of your spouse, your children, your parents [...]

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What can a student do to make more money?

If you are a student and starting to manage your own finance, here is an email I received from a reader you might be interested in. She is hardworking and she manages to partly support her living expenses while still in school. photo credit: Paul. B Hi KC, I’ve read most of the money tips [...]

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Valuegrowth Investing Seminar by Prof. Glen Arnold

There are many different strategies to invest in stocks. But if you are asking me what is the best strategy I think would work for sure, I would recommend Valuegrowth Investing. My investment blogger friend Dali, and the super-investor Koon Yew Yin are organizing this seminar by Professor Glen Arnold. You should attend the seminar [...]

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New Book Contest: Top 93 Personal Finance FAQ in Malaysia

I cowrote this book with Amy Sipagal, who is also the cowriter of Teaching Your Kids about Money. It is a list of frequently asked questions about personal finance. Now, I would like you to post a personal finance related question here in the comment section (either with Facebook or WordPress comment, or both if [...]

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Financial Resolution for 2012

As the New Year has arrived, there is a festive cheer in the air. People also sound very determined to achieve their goals. This optimism is not only limited to personal goals like to quit smoking or loose 5 Kgs but they also set financial goals like to save enough money to buy a car [...]

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A Corrected Method to Calculate Investment Return of SARA 1Malaysia

Here is the corrected, albeit more complicated, method to calculate investment return of SARA 1Malaysia by investing your own RM 5,000 in cash and not withdrawing the monthly RM 134 payment until maturity. Credit goes to Peter Lim who dropped his insightful comment in my original post,  An (Over-)Simplified Way to Calculate Investment Return of SARA 1Malaysia. [...]

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Insurance Plans Comparison Site: The New Way to Shop for Insurance

How www.compare-insurance.com.my is injecting the interest back in insurance purchasing By: N. Nathan The first thing you’re thinking when you saw that headline must be, “how is insurance shopping different from any other shopping trip?” Well, here’s the answer. In a typical consumer purchase cycle, a potential customer would decide to get a product, go [...]

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Should you invest in SARA 1Malaysia Fund?

Our government launched the Skim Amanah Rakyat (SARA) 1Malaysia which is offering 32.16% return per annum on your investment. Is this too good to be true? 32.16% return is definitely higher than most of the investment vehicles available in the market right now. How it works? SARA 1Malaysia is a hybrid of a unit trust [...]

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How to beat the market and become a super investor

This is a guest post by Mr. Koon Yew Yin. He is a philanthropic investor whom I consider the Malaysia Warren Buffett. This article can definitely sum up his wisdom through years of experience in investing in stocks. Risks in doing business: It is important to stress that all businesses involve risk; hence the selection [...]

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Question: Can you accumulate RM50k in 5 years by saving RM300/month?

This reader wants to know if she can achieve her financial goal of saving the first RM50k within 5 years time. She provides her financial statement and I provide her the estimation and the method on how to calculate the saving rate in order to achieve her saving goal. Watch this screencast for more details. [...]

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Cancer can be cured, without radiation or chemotherapy

Dr. Burzynski found a proven cure to treat cancer patients. It is not invasive, no side effect and comes with much higher success rate to heal cancer patients. The problem is: not many people knows about it because pharmaceutical companies tried to shut down his practice for decades. if his method is made popular, there [...]

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Financial Burden: Can the eldest son of retired parents achieve his financial goals?

As you might have suspect, I in fact receive tons of email everyday. Although I read most of them but I just couldn’t get time to reply each and every one. When I do, it is normally worth sharing with you. This is an email from Don (of course not his real name) Dear KCLau, [...]

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Business Value Protection Trust: Estate Planning for Business Owners

What is a Business Value Protection Trust (BVPT)? How can it help a business owner? Learn the benefits of having a Business Value Protection plan that protects the interest of a business owner.

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What to Ask When Asked to Move for Your Job

This is a guest post by Jenna When your company asks you to relocate, can you really refuse? Unless you have something else lined up in this arid job market, then the answer is probably no. With that said, you do not need to accept relocation based solely on the terms being offered by your [...]

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Is the United States real estate worth investing now?

This is a guest post by Andrew Brusnahan © 2011 The United States appears to be a haven, sought after by outsiders from all over the world. With the housing market there down lower than it ever has been, purchasing real estate there would probably be a wise investment. With a population of more than three-hundred [...]

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Framework for Financial Freedom

After launching my fifth book, Roadmap to Financial Freedom in 2010, I was overwhelmed by how well it was received. We sold thousands of copies and many readers and attendees at my talk and seminars shared with me that they’ve been inspired by the roadmap concept and are fully committed to achieve financial freedom. I [...]

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Redo your EPF Nomination after 55, or else…

I received a circulated email from Jackson & Sim (thanks for the info): Kindly be informed, that the email claiming that an EPF member has to re-nominate his or her beneficiary upon turning 55 years of age is only true if the EPF member had made an Age 55 Withdrawal before 1 February 2008. Therefore, [...]

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A Badly Conceived Election Budget Allocation

Recently the leading state newspaper in Perak carried an article which contained details of the Perak State Government’s budget for 2012 which was tabled before the State Assembly on 21St Nov. 2011 (The Ipoh Echo, Issue 133, 1-15 December 2011).

Among the key items of planned allocation in what is clearly a pre-election budget aimed at buying votes for the present state government in the coming elections, the most problematic is the RM 60 million fund set up to assist first time house buyers by providing the 10% deposit as required by Banks to purchase a new house.

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