Money Matters
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The 2 E-Wallets I Use
Shifting gears from property investing last 2 weeks (i.e. property investing lessons & review of SpeedHome), I’d like to touch on something we use day-to-day this time round. That is e-wallet, the future…
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Year 2016: Lesson on Emergency Funds
Also Year 2016 – My leap year in life with no stable income. Emergency Funds became paramount. That was the year I took a leap into a life of Network Marketing. There was…
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My short story about the importance of planning finances
Not too far in the distant past, January/February had been stressful months for me in terms of finances. Some of you may be able to relate. People generally regard the new year as…
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BTM’s Year 2020 in Review (Financial)
Happy new year! It’s that time of the year where everyone refreshes to conquer the new year. Have you made your resolutions? I find that new year’s resolutions don’t work well for most…
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Follow the Money (A story about motives and biases)
“This is a work of fiction. Names, characters, business, events and incidents are the products of the authorโs imagination. Any resemblance to actual persons, living or dead, or actual events is purely coincidental.“…
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Should I settle my loan early (prepayment)?
That seems to be a question I’ve been seeing a lot and, coincidentally also, a lot of people responded with a resounding “Yes”. I’ve also seen some high profile personal finance people preach…
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I don’t buy personal loans
Then why am I writing about this? In recent times after the Overnight Policy Rate (OPR) was cut and banks gave out loan moratorium (6 months deferment of repayment of loan instalments), I’ve…
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What choices do we have with the impending OPR cut… again?
Analysts expect Bank Negara Malaysia to further cut the OPR rate before the year ends. Even RAM, a credit rating agency in Malaysia, expects the same. In my previous post I have highlighted…
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Budget begins by distinguishing needs vs wants
“I don’t have enough to save” “My living expenses are too high” “I don’t earn enough to cover my living expenses” All too often I’ve heard or seen people complain about their circumstances…
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Savings strategy I use which is perfect for the not so disciplined
Savings is the first step to accumulating wealth. If one can’t save, one will find him/herself hard to breathe and there definitely won’t be sufficient for emergency uses (e.g. repairs) or even investments…