PTPTN贷款：政府提供折扣时提前还清是否明智?
2021 年 10 月 29 日，财政部（MoF）宣布将提供： A. 全额偿还未偿还的 PTPTN 贷款可享受 15% 的折扣。B. 50% 未偿还的 PTPTN 贷款清偿 - 12% 的折扣。C. 通过直接auto-debit或薪水自动扣除偿还 PTPTN 贷款可享受 10% 的折扣 此活动有效期为 2021 年 11 月 1 日至 2022
Category
Loan
PTPTN Loan: Is it Wise to Pay Off Early When Government Provide Discount?
On 29 October 2021, the Ministry of Finance (MoF) announced that it would offer: A. 15% discount for full settlement of outstanding PTPTN loan.B. 12% discount for 50% settlement of outstanding
Visit the USA: Money Tips for Tourists
If you have followed us for some time now, you would know that I lived in the United States for 2+ years, from 2018 to early 2021, before migrating to
7 Consumer Trends with Potential Multibagger Returns
Occasionally, when I wish to be entertained with stock investing educational videos, FIRL’s videos would be among my top picks as they offer well-presented insights that are easily digestible and
【金钱的时间价值 (Time Value of Money)】: 搞懂这个才算真正懂钱
一天，小陈在午餐时遇到了一位保险销售员。保险经纪首先解释了储蓄计划的特点。如果小陈有兴趣，他必须每年储蓄RM 3,200 到储蓄计划中长达 25 年，总共RM 80,000。 但在 25 年后，小陈预计将得到 RM 100,000 的满期利益。那么，小陈从这个储蓄计划中获得的每年回报率是多少？ 如果您了解金钱时间价值 (TVM) 概念，就可以了如指掌的做出明智的财务决策。 TVM 不仅在评估储蓄计划方面非常有用，而且在贷款、股票投资及许多领域也非常有用。 在即将举行的网络研讨会中，我将与您分享：- 理解 PV、FV、Pmt、NPER 和 Rate 的基本概念- 如何计算汽车贷款的实际利率？- 评估金融产品的实际回报- 评估财务决策的真实案例研究- 如何使用 Google Spreadsheet / Ms Excel 作为您的终极财务计算器？
Time Value of Money (TVM) – Part 1： The Fundamental of Financial Literacy
One day, Edwin met an insurance salesperson over lunch. The insurance agent began his presentation by explaining the features of a savings plan. If Edwin is interested, he must ‘save’
【提早还清房贷】精明还是愚蠢?
常见问题：- 我应该尽快还清房屋贷款吗？- 我是否应该在每月支付超過原本的分期付款呢？- 我要如何快速的还清房贷呢？ 所有这些都是实实在在的问题，因为人们总希望无债一身轻。 我提倡所有人对自己的债务负责。 但是，作为一名投资者，我想“尽快还清房贷”是否是一个精明的财务决策。 在这网络研讨会，我将讨论以下内容： 尽快还清房屋贷款的利与弊你应该选择以低 LTV 比率还是高 LTV 比率贷款呢？你可以从抵押贷款的早期结算中节省多少？房地产投资者如何看待房屋贷款？
Pay Off Your Mortgage ASAP: Is it Good for You?
Common questions:- Should I pay off my mortgages as quickly as possible?- Should I pay more on top of my required mortgage instalments each month?- I’m about to retire. Should
How to Reconstruct and Optimize a Mixed-Bag RM 300+ Million Portfolio?
As of now, I have conducted many webinars on value investing. Also, I have been in touch with some in our community and have come to know that many of you