9 Places to Park Excess Cash Other Than FDs

Let’s say, I have RM 50,000 in excess cash. I intend to have them as my emergency fund. In other words, it is money, which I could certainly have access to

What is an Asset? How the Rich Think of It Differently from the Middle Class?

When I was in college, I read ‘Rich Dad Poor Dad’. Of which, it simply defines an asset to be something that puts money into my pocket and a liability

Is Investing Risky?

Yes, it is. But, I would say my views on what is risky has evolved progressively over time. I believe as a kid, I felt that investing is risky as I

Financial Scorecard: 5 Metrics You Need to Know to Achieve Financial Independence

I strongly believe this. If you are reading this article, you have a desire to become financially wealthy. Many aspire to that, dreaming as to how superb life could be once they

My Friend Forbids His Son from Getting a Stable Job in Silicon Valley, For a Good Reason

Let me tell you a story about my friend, a Malaysian who migrated to the San Francisco silicon valley. I visited him in the Bay Area during my last trip to

What To Do If I’m Bad in Finance?

Hmm … Here is my take on this. First, it is one thing to recognise this as a part of your shortcomings. However, it is another thing to use this as an

Top Factors for Choosing a Location for Your Home

During my last trip to the USA, I made a road trip from Portland to San Francisco. In the bay area, I visited two friends who had just moved to

3 Money Lessons after Driving a Tesla for a Week

When I first migrated to the USA, I contemplated buying a Tesla. We wanted an SUV. Too bad that a Tesla Model X is still way more expensive, about 2x

Asset Allocation: Is It Suitable for You?

Lately, I read some materials on asset allocation. As I reflect, while I agree on its principles and virtues, I’m also in the opinion that it might not be suitable

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