The new income grouping in Malaysia

This graph is adapted from IHS – they serve 80% of the Fortune 500 companies. This is the first time I see such an “honest” graph. Nearly 70% Malaysia household income falls under low-income class. Our society is not B40 or M40 – it should be B70-M20-T10. If you have the time and privileged to…

KLSE Shareholders Meeting Door Gifts

Shareholders benefit – the third metrics of investing. Investing in a company with good shareholder benefit could actually save you money. In the state, shareholder benefits are so good that it pays to buy the minimum lot and save thousands. There is discount purchase (ford car at staff price), premium gifts, cruise credits, even free…

Relationship Matters and Finance

Is getting into a relationship healthy for our finances? I thought so, at least for the ladies because they don’t need to pay for the meals. Right? Then I found out that two years had passed and my friend is still paying for her ex-credit card bills. I have naively thought that guys are more…

How to stay motivated to save?

Most people find it hard to stay motivated with good financial habits. Be it due to shopaholic syndrome, too much debt burden or they aren’t that interested about saving at the first place.For me, it was the inexistance of financial commitments that makes me splurge and suddenly, I have a credit card debt to clear.…