Personal Finance Money Tips

A Malaysian compiling Lots of tips and advices on personal financial planning - Protect, accumulate, preserve, and manage your WEALTH wisely!

Hello! Welcome to KCLau.com

I write regularly about personal finance topics from a Malaysian's point of view. Hopefully with better financial education, you will live a better and balanced life. Follow me at http://twitter.com/moneytips

Recent Money Tips

Winner of the Carrot Principle

Who is the winner of the Carrot Principle book giveaway?
Read what the participants shared about inflation and find the winner at the end of the post.

How to Calculate Your Investment Portfolio Return?

Let’s say you invest in several asset classes. Your gold investment gives over 100% return last year. Your stock investment turned sour since the beginning of this year. The apartment you rented out gives you a consistent return month after month because of your loyal tenants. Many type of investment, all with different return. So how do you know your overall investment portfolio is doing? Is it on track?

Read on to find out. A free spreadsheet is given for your customization.

Twitter Updates for 2008-07-09

If you’re new here, you may want to subscribe to my RSS feed. Thanks for visiting!

Full house on first day of business. The new Old Town White Coffee open today at Bayan Baru. - photo at http://twitxr.com/quange/updates … #

Twitter Updates for 2008-07-07

Yellow and blue nasi kandar Pelita, probably the most profitable restaurant in Penang - photo at http://twitxr.com/quange/updates/72229 #
I believe this is the old price - photo at http://twitxr.com/quange/updates/72348 #

How inflation affects your life?

Despite the rise of unavoidable expenses, I am giving away a free book. It is a book based on a 10-year study of 200,000 managers and employees. It shows you how the best managers use recognition to engage their people, retain talent and accelerate performance. You will get this great book written by Adrian Gostick and Chester Elton - THE CARROT PRINCIPLE.

In order to get the book, you just need to leave a comment on this post.

Do you have the assets to pay for your liabilities?

No. I am not talking about your home with mortgage.
No. I am not talking about your hire-purchase vehicle either.

Personal Asset Inventory Template

I’ve got a request from Ina to have a template of my personal asset inventory spreadsheet. Since you asked for it, you will get it here.

Ride on the Oil Palm Industry Boom

Country Heights Grower Scheme is an innovative concept combining farm/estate ownership and investment. The returns are pegged to the CPO price and plantation output. Should you invest?

How to Claim Fuel Subsidy at Post Office

Malaysian government is giving a one time fuel subsidy for Malaysian citizens. How do you claim your subsidy? Are you eligible? Find out more in this post.

Picking the right Structured Fund

There are several structured funds introduced by local unit trust companies and insurance companies. If you are looking for an alternative to FD, how do you choose the right structured fund? It is not as simple as comparing FD rate return between different banks.

What can you do about the Fuel Hike?

From the recent petrol price increase of 41%, and electricity bill increase of 18-26%, inflation is inevitable. What can you do about it?

Who send you a Birthday Card this year?

Do you care to receive a free 3D birthday card?

Centennial Max Plan: Structured Single Premium Investment-Linked Insurance

Centennial Max Plan is a 5-year Single Premium Investment-Linked Plan with 100% capital protection if held to maturity. This plan is available from 27 May 2008 (Tuesday) to 26 June 2008 (Thursday). Is structured fund your cup of tea?

Investment-linked funds performance last year

Insurance companies had mailed out the investment-linked funds annual report to their policyholders. Have you got your copy? Is it in CD format or printed version?

When should you rewrite your Will?

Since you last wrote your Will, did any of these happen to you?

My Best Tips

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