Debt is …

How would you fill in the blank? Would it be something positive? Or, would it be something negative? To most of us, we would inevitably be associated with debt in our...

The #1 Investment that You Cannot Lose …

Is it: – Stocks? – Properties? – Businesses? – Unit Trust? – Gold? – Bitcoin? – P2P Financing? Guess what … It’s none of...

Should I Take a 5-Year Car Loan or a 9-Year Car Loan?

Question: Hi, I’m Jenn, a 27-year old Assistant Manager working in a local IT firm based in Kuala Lumpur. As I write, I’m earning RM 5,000 a month and have saved myself around...

Should I take Cash Advance for Investments?

Question: Hi, I’m James. Lately, I had received a phone call from my banker where he told me that the bank has just launched a cash advance offer. I’m entitled to receive cash...

I Lost RM 20+k in Unit Trust. What Should I do?

Question: Hi, I’m Mark. I’ve been investing RM 1,000 a month into two unit trust funds for almost 9 years. Both funds are recommended by my unit trust consultant who is a...

I have RM 100,000 to Invest. Where should I Invest?

Question: ‘Hi, I’m Shane. I have accumulated RM 100,000 in excess cash where I intend to have them invested. My question is: ‘What should I invest into? How do I start?’ ...

Subsale vs UnderCon: Which of the Two Properties would You Invest Today?

Question: ‘Hi, I’m Mike, a 30-year old Operations Manager working at a Logistics Firm in Shah Alam. As I write, I’m earning a fixed monthly salary of RM 6,000 and now am...

Should I Buy a Personal Residence or an Investment Property?

Question: ‘Hi, I’m Adam. I’m 33 years old this year and currently working as a Branding & Marketing Consultant for a local company. I’m earning a decent monthly salary of...

5 Personal Finance Ratios You Need to Know to Achieve Financial Independence

Question: ‘Hi, my name is Sam. I’m 30 years old and now working as a Project Manager in a mid-sized engineering firm earning a decent salary of RM 7,000 a month. I’m able to...

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