“You will never change your life until you change something you do daily. The secret of your success is found in your daily routine.” ― Darren Hardy I always believe in ‘Small thing is better than nothing’. One easier way to be successful is to develop success habits. Below I share; 22 Practical and […]
Retirement planning is a very personal decision. There is no one size fits all plan for everyone, but there are some things to keep in mind when choosing your retirement plan. If you are in late 40s to or have reached age 50, and start thinking about retirement, below are 9 Money Tips To Catch […]
A little debt would not hurt, will it? That is how it starts. You make a small purchase on your credit card and across time, without you realizing it, you’re thousands of dollars (or RM) in debt. To stay out of debt, it is important to identify the habits that got you into debt in […]
Financial Rule is a good starting point for getting your finances on track. Plus, understanding the rules, helps you to make quick money calculations or decisions at your fingertips. So, herein I share; 6 Financial Rules Every Person Should Know #1: 1% House Maintenance Rule If you own a house, you should […]
Maye Musk (Maye) is the mother of tech giant entrepreneur Elon Musk. At age 71, Maye is a model, dietician, best-selling author, and speaker. But things were not always so easy or glamourous. She went through a difficult marriage, became a single mother at age 31, and struggling through poverty to provide for her […]
IN THIS POST I was asked this question by my blog readers, clients and friends: “Can they invest all or half of their EPF cash (at age 55) into buying a single property for rental income purposes?” My recommendation is NO. Taking more than 50% of your EPF cash will reduce your financial capacity and cash […]
After struggling more than 13 years working in companies with an average income, only at the age 36, I knew that we could create our own future and be better in my career. I grew up in a low-income family. My father was a self-employed who sold sweet corn (jagung rebus) at the […]
One of the biggest retirement mistakes you can make is not realizing what you don’t know. The reality is that most people don’t get good and objective financial advice before they retire. There are many ways retirement can go wrong. Here are the Top 10 retirement mistakes and how to avoid them. Retirement […]
When I was working in corporate companies, I was approached by a few Unit Trust consultants. I did invest in Unit Trust by using my EPF savings after being convinced of the potential returns. As I was not really understood how Unit Trust works, I gave 100% trust to the consultant to choose the funds […]
When organisations undergo a major change eg restructuring etc, everyone is affected. Plus with the current situation of Covid, oil price drop, and economic uncertainty, downsizing is inevitable. More workers expected to lose their jobs either being retrenched or offered MSS (Mutual Separation Scheme) package. If this happens to you or someone you know, here […]