This month I celebrate my birthday. As I’m getting a year older, it is good to reflect on life lessons. I have many but below is my favourite what makes me who I am today. 1. Create a plan to achieve your dream or goal. Success doesn’t come overnight. Having clear goals and do as […]
1.Take on more responsibilities2. Share your goals and ask for feedback3. Demonstrate your accomplishment and added value4. Don’t ask at a terrible time5. Do your research on market rate6. Talk about your value, positive notes and future contributions7. Be prepared to hear ‘No’ and plan your next step8. Focus on work achievement, not your finances9. […]
Savings is basic, but very difficult to implement. In this video i share how to save money with purpose; 1. Save For Emergency • Start with $ 1,000 • Then build up to 3 – 6 month of monthly expenses Save for emergency means you are prepared for unexpected. 2. Save To Pay In Cash […]
When I was working in corporate companies, I was approached by a few unit trust consultants. I did invested by using my EPF savings after being convinced on the potential returns. As I was not really understand how unit trust works, I gave 100% trust to the consultants to choose the funds for me. Unfortunately, […]
Retiring In The Next Few Years, 5 Things You Must Know Normally people plan to retire at the age of 55 to 60. Hence, upon retirement, people have up to 30 years to live till the age of 85 (not forgetting that Tun Mahathir became Prime Minister again at the age of 93.. hence that’s […]
Buying a property is a long term commitment. You need to hold the property for at least 5 years if you don’t want to pay the expensive RPGT tax. Below tips were based on my experience and guides from my property guru, Milan Doshi. Hope it will provide you with good insights. Buy at high […]
Everyone has experienced fear in life and that’s normal. I also have my own fear. I fear of heights, deep water, public speaking and do something really new. However, I learned that if you overcome those fear, it will lead you to something great. Here’s my examples: i was scared of public speaking. I remembered […]
3 Basic Money Skills Learning Financial Account can take a while, but to learn basic about money are fairly simple. Here are the 3 basic money skills that EVERYONE must know. Spending We love to spend. And somehow credit card make the spending even easier. But do we spend wisely? Hence, it’s always good […]
Travel off-peak times Yes, school holidays, winter/summer holidays make the most sense to take the kids on a trip. However, everyone else is also doing it. Hence, prices increase, availability is limited and you’ll face lineups everywhere you go. Instead, go a few week before or a few week after the holiday. Same […]
1. Dont treat Credit cards as a source of Income. Basic rule if you want to stay out of trouble. 2. Maintain max 2 credit cards only Ie 1 for utilities; 1 for emergency 3. Cap the balance at certain value. If you cant pay the balance in full, then try to pay so that […]