How many of us are born money-wise? Those who manage their money better than others are not necessarily smarter or more talented. They are simply more informed. Read The Money Book and I would say that you will be definitely more informed than 80% of the population in Malaysia. Published by Consumers Association of Penang (CAP), it is a guide to managing your money and more. What is in the book? Smart budgeting, saving, and spending hire purchase and easy-payment schemes credit cards the debt trap and bankruptcy the real cost of buying a house or car medical ...

According to a survey done by the Statistic Department for the Economic Planning Unit, published in Personal Money Magazine June 2008 edition, a typical family in Malaysia earns only RM3686/month. How much is RM3686/month worth? In terms of vehicle, the cheapest range of national car Proton Saga is priced between RM31,500 to RM39,800. RM3686/month is just enough for you to pay for a new car with your entire annual household income. It means the husband and wife work for the whole year without spending any sen, that is just enough to buy ...

Early this month, I wrote a post about the recent fuel hike that caused a series of inflated prices on many daily expenses including food, transportation and other services.  I would like to thank those who had spent time and effort to give your opinion and participate in the comment. They will also stand a chance to get a free book - The Carrot Principle. As promised, the winner of the book will be announced today. Before that, I had picked some interesting comments that are worth to be shared with ...

Investing in various asset classes and never bother to track and monitor its return, is like flirting with several girls at the same time and never bother whom will ultimately be your wife. Don't blindly invest and forget. It is like flirting without knowing what you will get. You just need an extra step to calculate the return of your investment portfolio. Let's say you invest in several asset classes. Your gold investment gives over 100% return last year. Your stock investment turned sour after the 8th of March Malaysian general election. ...

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 ... #

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 #

The nasi lemak I used to eat on Monday morning now cost RM1.00 (used to be RM0.60). Starting in July, the part time maid service will cost RM12/hour (used to be RM8/hour). A full tank of petrol pumped into my Honda Civic costs about RM120 (used to be RM80). 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 ...