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 ...

I received a query on debt management. Hi, Mr Lau, First of all, many thanks to you for giving me the free e-book. Its’ worth reading, cause I’m aware of unit trust investment now. As introductory, I’m female, age 33, working in a factory. I’m in debt, honestly. I’m in debt of personal loan, housing loan, credit card loan. However I’m also having passive income, if that’s correct to describe my monthly income from 3 acre land of kelapa sawit. But honestly I’m not a decision maker in financing. Would you please advise me on below problem; Debt ...

The value of money relatively differ depends on where, when and how you measure it. It boils down to the following question to relatively determine the value of money. Where is your money? Photo by noahwesley Where you put your money determines how much value it has, in the future. Put it in bank, your money is relatively lower compared to putting it in investment. If you have your money set aside long term in a great company, or in a real property located at prime areas, the value of your money is ...