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Who Is More Corrupt?

On the surface if you look at the record, surely there are more corrupt leaders in so-called 2nd or 3rd world countries. Leaders in jail etc… Chen Sui Bian in prison, Thaksin exiled, Yingluck banned from politics… etc. Do you see any in the West? No! So they are clean??? It only means no matter…

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Quick Guidelines To File Income Tax 2016

It’s crunch time! The deadline to file for your income tax is merely days away, but don’t fret! Here’s a simple guide to file for income tax 2016. First timers If this is the first time you are filing for your income tax, you’ll need to register as a taxpayer first with Lembaga Hasil Dalam…

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How e-remit Helped My Maid to Pay for Her Mom’s Medical Bill

Last wednesday evening, I came home from work and found Yati, my domestic helper sobbing in the kitchen. ‘Yati, what’s wrong?’, I asked. She replied, ‘Sir, I just called home. My sister told me that my mom is ill. She needs to be hospitalized.’ She then continued, ‘I need to send money back to Indonesia…

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What to Invest in if You Choose to Reduce Your EPF Contribution Rate

Let us assume you are an employee under the age of 60 today who opted to reduce your statutory contribution rate from 11% to 8%. The reduction is effective for 22 months, starting from March 2016 to December 2017. This means you would be contributing RM30 lesser into your EPF account for every RM1,000 in…

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Do You Know The Forgotten Basics To Success

All the info-graphics on 10 steps to this, 10 steps to that, 5 keys to success, 10 ways to attract more traffic to your site… etc tend to generate a lot of attention – on the internet. People are always looking for the tips to this, tips to that as if this time, they might…

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What Type of Stock Trading is Most Suitable for Someone Who Is Working From 8am – 5pm?

You may ask, ‘What stock should I buy?’ If I say Public Bank is a good buy, would you buy now? Or, would you buy later? If you buy now, your returns would be different from someone who would invest in Public Bank at a future date. The outcome depends greatly on when you buy…

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Happy People Are Successful People. BULL?

Just by being able to pursue whatever symbols you would associate with success is already a great reason for us to feel happy about. Without sufficient health, without being alive, there is not going to be the slightest possibility for us to pursue anything at all. Thus, it is really possible to feel happy for…

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Why Value Investing Works

Oftentimes the stock market overreacts to bad or good news, resulting in either the undervaluing or overvaluing of a company’s stocks. A value investor takes advantage of this situation and profits from buying a stock when its price is greatly deflated. In fact, two of the most influential proponents of this method are Warren Buffett…

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What Advise Will You Give To Your Children?

Most parents when trying to give advice to their kids would say “I wish someone had told me this or that…” How true is it really? Could it be someone had already told them, not once, not twice, but repeatedly ad nauseam? So, do not pretend we are any different from our young ones. Life…

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The Big Picture Process of Financial Planning for Business Owners

Whether you already own a business or are deciding to do so, everyone requires a secure financial plan that will act as its backbone. Before delving deep into the details of your business, we must first see the big picture. First of all, business owners have two entities – individual entity and the business entity.…

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