Cracking the Penang Rental Code
Penang is often hailed as the "Hong Kong of Malaysia," and for the savvy investor, the comparison goes far deeper than world-class street food. Like Hong Kong, Penang is defined
Category
Real Estate
Should You Pay Off Your Mortgage Before Retirement? Here’s How Smart Investors Approach It!
Is your mortgage holding you back from real wealth? Most Malaysians dream of being debt-free by 50, but smart investors know that paying off your home early might actually be costing you thousands in missed returns. From the 4% interest trap to the power of EPF compounding, here is why your house loan could be your most powerful financial tool in retirement.
How to Ask for a Rent Discount from Your LandLord?
Here is a situation. Assuming that you’re a tenant who rents a condominium unit at RM 2k / month presently. 2 months before the tenancy expires, your landlord wishes to hike
EPF Account 3: Should I Opt For Its Initial Amount Transfer?
Finally, it’s here. Our EPF has been restructured to having 3 accounts: 1. Akaun Persaraan 2. Akaun Sejahtera3. Akaun Fleksibel From now onwards, our EPF contributions will be split based on this ratio: 1. Akaun
Why Smart Investors Should Aim for “Net Rental Income = RM 0”?
Let’s say, you’re now in your 40s. Years ago, you bought a property for RM 300k where you funded your purchase with RM 30k in down payment and RM 270k in
Can Our Children Afford Their Own Properties in the Future?
During Chinese New Year, I visited a relative for a quick catch up. In the midst of our conversation, he casually remarked on property prices and how his kids can
Man’s Problem: How to Save Up for a House, a Car and a Wedding?
As written previously, I’d just gotten married. To me, it was an amazing feat. Years ago when I was in my 20s, I always thought how is it possible to save
Ian’s Personal Financial Reflections for 2023
First, allow me to wish you a belated Merry Christmas and a Happy New Year! It is to me, once again, a season of thanksgiving, celebration & ... some reflection. Looking
How Every Ringgit Spent in Hong Kong Taught Me a Financial Lesson
Journey with me through the financial labyrinth of Hong Kong, a city where even Michelin-star noodles and street food come with a premium price tag. From sky-high real estate to costly lattes, discover why every Ringgit spent here feels like a masterclass in money and investing. If you're a Malaysian contemplating a life or investment in Asia's financial hub, this is your indispensable guide to navigating the golden toll gates of opportunity and pitfalls. Think of it as your Rich Dad playbook for surviving Hong Kong's concrete jungle.