How to Protect Our Interests Legally from Friendly Loan Agreements?
Let’s assume you lend RM 10,000 to a relative. He promises to repay you as soon as he is financially able. Few years later, you paid him a visit and found that
Category
Loan
Work Less, Earn More, and Live Your Best Life
Consider two guys: Ben and Jim. Ben earns RM 10,000 a month and Jim earns RM 15,000 a month. In a glance, it seems that Jim earns more than Ben. But,
Savvy Personal Financial Practices for Women
I always believe that managing money is about math. For example, if I earn RM 5,000 a month and want to save RM 1,000 a month, it would be logical to
NFTs – What are they, How they work, and Should You Invest in Them?
There is a college student in Indonesia. Each day, he took a selfie sitting in front of his computer. He did so for 5 years. Originally, he planned to produce a time-lapse
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
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？