“Disposable Income” – What Does It Really Mean?

We learn this in economics textbook – “Disposable Income”. Is this not the indoctrination from the people who owns the systems to make us think the income we earn has not other purposes other than to dispose it of! Well, I do not know who coined the term. And I cannot prove whether the person…

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How You Can Save On Your Insurance in 3 Easy Ways And Win An Apple Watch

All Malaysians are very familiar with Non Claims Benefit (NCB) or Non Claims Discount (NCD) that can save up to 55% of the insurance. NCB is earned by driving carefully without accident over the years. But there are more ways to save on your insurance. Here are 3 easy ways you can save. Way 1:…

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The Things That You Should Know Why VS is My Largest Investment

As you know I have been trying to teach people how to make money from the stock market for a long time. I hope many of you have bought VS which has gone up from RM1.60 to above RM4.70 in the last 12 months. If you look at Bursa company announcement, you will see that…

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Will A Complete Overhaul Save MAS This Time?

The new MAS CEO, Mr Christophe Mueller’s long interview as reported in the local newspaper is very impressive. Like all Malaysians, I hope his new strategy will succeed so that our Government will not need to waste tax payers’ money to support the airline anymore. My intention of writing this piece is not to criticize…

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The Secret Of Accumulating Wealth Through Share Market: An Important Investment lesson

Practically all my wealth is from share investment and I have been trying to teach people how to invest by giving investment talks and publishing articles. My method of selecting shares is based on my entrepreneurship and not purely on accounting principles as I am not an accountant. That is how I bought so much…

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How A Personal Loan Can Wreck Your Life?

Today we have another reader, Adam, who would like to share his experience managing his personal finance. He thought that his bad experience will be helpful and a good lesson to other readers as not to make the same mistake as he did. We would like to thank Adam for his kindness and being open…

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Reader’s Story: Ups and Down, The Journey Towards Financial Security and Retirement

This story comes from a reader who kindly shares his experience in managing his finance and investment. His story represents many Malaysian’s real experience with all levels of financial maturity and income. My name is David (not real name) and currently working as a salesperson in a health care industry. I am 36 and married…

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May Speed Be With You

How long does it take on average for your ideas to transform into actions? Ideas with no follow-up actions are worth-less. They do not benefit us in whatever way at all. They might even frustrate us when we later found out that others too have come up with ideas almost as identical and as brilliantly…

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Years of living dangerously

Today, it is much easier than ever to start a business – harder to scale it no doubt. One and two generations ago, it was very hard to start one especially when one has no adequate connection or start-up capital. But it was much easier, much safer, or even much more rational to remain as…

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If You Want to Migrate to Australia, Here Are Six Things to Watch Out For!

For Malaysians and Singaporeans who want to migrate to Australia, here is my latest list of six things to watch out for. 1. Migration Agents Registration: For most people who are seriously considering their prospect of migrating to Australia, they would go to a migration agent (based in Malaysia or Singapore). Before you even visit…

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