{"id":18434,"date":"2024-08-30T18:14:06","date_gmt":"2024-08-30T10:14:06","guid":{"rendered":"https:\/\/kclau.com\/webinar\/?p=18434"},"modified":"2024-10-03T07:01:41","modified_gmt":"2024-10-02T23:01:41","slug":"paying-off-debt-efficiently-using-cash-flow-index","status":"publish","type":"post","link":"https:\/\/kclau.com\/webinar\/paying-off-debt-efficiently-using-cash-flow-index\/","title":{"rendered":"Paying Off Debt Efficiently Using Cash Flow Index"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Let\u2019s assume that one has the following debt: <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">a. Mortgage worth RM 600k; Interest Rate @ 4%; Installment = RM 2k \/ month <br>b. Car Loan worth RM 130k; Interest Rate @ 6%; Installment = RM 1.5k \/ month <br>c. Credit Card Debt worth RM 20k; Interest Rate @ 18%; Installment = RM 1k \/ month <br>d. Personal Loan worth RM 30k; Interest Rate @ 8%; Installment = RM 2k \/ month <br>e. Education Loan worth RM 20k; Interest Rate @ 1%; Installment = RM 0.2k \/ month <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">What is the most efficient method to reduce them? <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here, I\u2019ll discuss the concept of cash flow index (CFI), which enables us to determine which debt are efficient and decide which debt is to be repaid first. As a result, we can manage our debt levels more efficiently. Check out our webinar recording below: <\/p>\n\n\n\n\n\n\n<h3 class=\"wp-block-heading\"><span style=\"text-decoration: underline;\">ATTENTION<\/span>: The content you are currently able to view is limited because you are not logged in to our website.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><em>We apologize for the inconvenience, but without a logged-in Premium Webinar Membership, access to our full webinar recordings, video content, and exclusive downloads is restricted. If you find our content valuable and want to dive deeper, we invite you to check out our paid membership options call <a href=\"https:\/\/KCLau.com\/webinar\/join\/\">Premium Webinar Membership<\/a>.<\/em><br><em>However, we&#8217;re delighted to inform you that attending our live webinars remains free of charge!  Trust us, it&#8217;s a game-changer for anyone serious about financial growth. To stay in the loop about our future webinars, we announce new topics every week. Make sure to follow us on <a href=\"https:\/\/kclau.com\/lp\/\">Email<\/a>, <a href=\"https:\/\/kclau.com\/telegram\" data-type=\"link\" data-id=\"https:\/\/kclau.com\/telegram\">Telegram<\/a>, and <a href=\"https:\/\/kclau.com\/fb\/\">Facebook<\/a> so you never miss out on our latest webinar invitations and announcements.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><span style=\"text-decoration: underline;\">If you are a paid member, please login below:<\/span><\/strong><br><div class=\"WishListMember_LoginMergeCode\"><form action=\"https:\/\/kclau.com\/webinar\/wp-login.php\" method=\"post\" class=\"wlm_inpageloginform\">\n<input type=\"hidden\" name=\"wlm_redirect_to\" value=\"wishlistmember\" \/>\n<input type=\"hidden\" name=\"redirect_to\" value=\"wishlistmember\" \/>\n<div class=\"wlm3-form\">\n<div class=\"wlm3-form-group\"><label>Username or Email Address<\/label><input name=\"log\" class=\" wlm3-form-field fld\" id=\"wlm_form_field_log\" type=\"text\" value=\"\"><\/div>\n<div class=\"wlm3-form-group\"><label>Password<\/label><span class=\"wishlist-member-login-password\"><input name=\"pwd\" class=\" wlm3-form-field fld\" id=\"wlm_form_field_pwd\" type=\"password\" value=\"\"><a href=\"#\" class=\"dashicons dashicons-visibility\" aria-hidden=\"true\"><\/a><\/span><\/div>\n\n<div class=\"wlm3-form-group\"><label><input name=\"rememberme\" class=\" form-checkbox fld\" id=\"wlm_form_field_rememberme\" type=\"checkbox\"  value=\"forever\"> Remember Me<\/label><\/div>\n<p><input name=\"wp-submit\" class=\"\" id=\"wlm_form_field_wp-submit\" type=\"submit\" value=\"Login\"><\/p>\n\n<p>\n<a href=\"https:\/\/kclau.com\/webinar\/wp-login.php?action=lostpassword\">Lost your Password?<\/a>\n<\/p>\n<\/div>\n<\/form><\/div><\/p>\n\n\n<br \/>\n<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Let\u2019s assume that one has the following debt: a. Mortgage worth RM 600k; Interest Rate @ 4%; Installment = RM 2k \/ month b. Car Loan worth RM 130k; Interest Rate @ 6%; Installment = RM 1.5k \/ month c. Credit Card Debt worth RM 20k; Interest Rate @ 18%; Installment = RM 1k \/ [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":18436,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[8453,9125,8919,8917,8539,8500,9126,8791,8549],"class_list":["post-18434","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan","tag-car-loan","tag-cash-flow-index","tag-credit-card","tag-debt","tag-debt-management","tag-financial-planning","tag-instalment","tag-mortgage","tag-personal-loan"],"_links":{"self":[{"href":"https:\/\/kclau.com\/webinar\/wp-json\/wp\/v2\/posts\/18434","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kclau.com\/webinar\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kclau.com\/webinar\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kclau.com\/webinar\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kclau.com\/webinar\/wp-json\/wp\/v2\/comments?post=18434"}],"version-history":[{"count":2,"href":"https:\/\/kclau.com\/webinar\/wp-json\/wp\/v2\/posts\/18434\/revisions"}],"predecessor-version":[{"id":18464,"href":"https:\/\/kclau.com\/webinar\/wp-json\/wp\/v2\/posts\/18434\/revisions\/18464"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kclau.com\/webinar\/wp-json\/wp\/v2\/media\/18436"}],"wp:attachment":[{"href":"https:\/\/kclau.com\/webinar\/wp-json\/wp\/v2\/media?parent=18434"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kclau.com\/webinar\/wp-json\/wp\/v2\/categories?post=18434"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kclau.com\/webinar\/wp-json\/wp\/v2\/tags?post=18434"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}