How to Spend Money to Become Richer?
I believe ‘spending money’ is a faster approach to richness than ‘saving money’, especially if your income is below RM 5,000 a month. With that being said, let me...
Two Magic Numbers for Comfortable Retirement
Retirement is a destination each one of us will get there sooner or later. It is quite impossible for me to put a retirement figure because each of us will get there at a...
What is the difference between buying an individual bond vs. a bond fund (unit trust)?
Question: What is the difference between buying an individual bond and bond fund (unit trust)? 1. Diversification – A bond fund is better in terms of diversification...
Three Things to Look for in a Bank Stock
When evaluating a banking stock, Ian Tai will look at these three major areas: 1. Stability Does the bank has a strong balance sheet? Solid fundamentals ensure that the bank...
iWealth – the ‘Waze’ to Your Financial Freedom
I have known Yap Ming Hui for ages. For years, Yap is an advocate for independent financial advices. He believes any financial advice given should be tailor-made to the...
Debunked: Are ‘Cash-Back’ Projects & Multiple Loan Submissions the Fastest Way to Property Investment Success Today?
Before 2009, property investors used mainly these three strategies: Buy – keep: buy a property to keep for a long term and make a profit from the capital gain. Cash...
How to Find Companies that Give You 100% – 300% Returns on Your Investment?
The above image shows what the amount you will get if you invest in these companies in 2008 with RM1,000 and hold it for ten years. The big winner is Hartalega — your...
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...
Credit-Savvy: How to Maximise Your Credit Score
Most Malaysians don’t care about their credit score. If you are reading this, you are the minority who are proactive. Congratulations! A good credit score is not a guarantee...