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Finance

Can Money Really Grow On Tree?

Do you believe money grows on trees? I for one, certainly think so. Having read this statement, you must be puzzled but do bear with me.   Let me illustrate my belief by using palm oil as an example. Palm oil is obtained from the seed or kernel of the palm ...

Enjoy Your Retirement

You have worked some 50 years of your life. So,  when it is time to retire, it should be something to celebrate and look forward to rather than dread it.  You are the master of your retirement and if you take care of several key aspects today, it can be ...

Financial Planning is Only for the Rich, Myth or Truth?

Financial planning has oftentimes been regarded as something only reserved for the rich and only what the rich people can afford to do. Is this a fair observation? Is it true that if you are not rich, you should drop the idea of financial planning altogether? Generally, people tend to measure ...

Real Estate Investment, Really?

“Investing in real estate requires a high entry point in terms of capital so I am not ready as of now.” “Investing in real estate has a lot of potential and I believe it will bring about a brighter prospect for the time to come, but I am not ready yet.” “At ...

A Mortgage Makes Home Ownership Affordable

The different mortgage options available to home owners A mortgage is a debt instrument offered by banks or financial institutions in Malaysia to assist home buyers seeking funds to purchase real estates. Upon the approval of the mortgage application, the bank becomes a Chargee (in the case of individual title property) or ...

Insights On Islamic Home Financing: Advantages To Consider

Another privilege for home owners to make a choice in future For home financing, conventional banks provide a loan to the homebuyer, and charge an interest on top of the principle as the cost of the funds. Beginning 2015, Bank Negara Malaysia (BNM) introduced the base rate (BR) to replace the ...

Views From First Time Homebuyers On Their First Purchases

A Positive outlook for home ownership among the young adults Buying a first home resembles a scenario of falling in love for the first time with your spouse. There must be some chemistry in the relationship which sparks the love and emotional senses to a couple. Well the same can be ...

Look Before You Leap

10 things to check before signing your housing loan documents The country’s property sector has taken a downturn, due to the current economic crisis faced by the Malaysian economy. The sales of property is greatly affected too. Currently, a huge number of property units lies unsold and the number is constantly on ...

The Property Get Rich Quick Scheme

These days there are so many get rich schemes in the market, and all of them have not really made anyone rich, in fact it has made a lot of people poorer. This is very sad, since the only reason people get into these things is to make their already ...

Can An Employee Become Financially Independent?

Recently, I met a couple of friends for a cup of coffee.  Bruce and Clark (fake names, of course) are middle managers who are doing well in the corporate world. According to them, most employees dream about getting out of the rat race and achieving financial independence. Let’s not debate too much ...