All about EPF that you should know
Feb07

All about EPF that you should know

The Malaysian EPF, short for Employees’ Provident Fund is a personal account that you must have if you are part of any workforce. It is a mandatory contribution for Malaysians who are in the workforce in one way or another. Forced Savings The main idea behind the EPF is to activate what is known as forced savings. Young graduates often fall into this problem. Because income earners tend to spend more than they earn, the EPF is useful...

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Online scams are way more lucrative than a typical bank robbery
Feb05

Online scams are way more lucrative than a typical bank robbery

It is really a no brainer! Email scams are very common and extremely popular. This is more so if you are online most of the time. When it comes to online scams, there really aren’t many options to choose from. You either believe it or you don’t. And almost all who believed them have been duped! Hit the Delete button Chances are, these scams come in the form of emails. There is never any free lunch in this world. If you receive any...

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Economic outlook for the Year of the Dog
Feb05

Economic outlook for the Year of the Dog

Each year, when Chinese New Year comes around, talks about how the future is going to be will surely heat up. In fact, business owners and firms would go to the extent of reading or finding out the ‘luck’ of the year as there might be plans for expansion and growth. No one likes to take the wrong step. How has last year been? Everyone knows who Datuk Joey Yap is, who has been one of the most influential people when it comes to fortune...

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Saving for your child’s Education
Aug18

Saving for your child’s Education

Having a child means you need to start planning your expenses. In countries like Malaysia, two of the most expensive areas that you need to consider is in healthcare and education. While healthcare is usually covered by the company you are working for, education might be something you need to put in some extra efforts. Saving for your child’s education Make no mistake about it, education in Malaysia can be quite expensive. This is...

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Can you afford to stay home with your children?
Aug17

Can you afford to stay home with your children?

One of the pressing issues about having a child is that you will want more time at home than before. Hence, it is natural to consider if it becomes viable to be a stay home mom (or dad) so that your child gets all the support he or she needs. Is this a financially viable option? From any angle you see it, this could be one of the most financially challenging decisions you would have to make. In fact, it could cause new issues that...

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How financially viable it is to use child care services?
Aug17

How financially viable it is to use child care services?

Using childcare services is one option that many parents will take if they are both working. Having a maid at home might help but it might not be the ultimate answer. This will ensure that they get the peace of mind of having someone take care of the child during the day (or for days). Is child care the answer? One of the most important factors that need careful consideration is finding quality ones. Generally, there are many types of...

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When do you need to write a Will?
Aug15

When do you need to write a Will?

Family finances will tend to change especially with an additional member when there is a newborn. This is one very crucial issue in family planning as to be prepared should anything happens. Some important issues to consider The big question really is how important is it to have a will. It is most crucial when you have several assets and savings. Take note that wills are not meant only for the wealthy. As long as you have some form of...

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9 Ways Twitter Can Maximize Your Job Search
Jul02

9 Ways Twitter Can Maximize Your Job Search

When the average job seeker thinks about using social media for job hunting, their mind immediately goes to LinkedIn, and for good reason: it’s the world’s largest online professional network. But while our recruiting team contributes to the 94 percent of talent acquisition leaders who use LinkedIn as a primary sourcing mechanism, most people don’t realize they’re also on Twitter. In fact, 55 percent of recruiters are using Twitter to...

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Top Extreme Ways to Save Petrol and your Budget
Dec24

Top Extreme Ways to Save Petrol and your Budget

You want to save fuel? Forget the air-cond for once! No one can stop the rising price of fuel because it is a worldwide phenomenon. The thing is, while you cannot stop the price from going up, you surely can try to keep your car from consuming too much. You can read all about how to drive slower and use less petrol but nothing beats our extreme ways to reduce fuel consumption. Car weight The whole idea is to reduce your car weight...

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Should you go into property investment?
Oct22

Should you go into property investment?

After you have start earning your own income, there will be various options in investment that you would come across where many would tell you that property is perhaps the most stable. The truth is, investing in property is somewhat similar like investing in anything else (forex, mutual funds or shares) where there are risks involved. But the price of property can be less volatile making it more stable. So when is the best time to get...

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Understanding GST In Malaysia
Jul24

Understanding GST In Malaysia

The impending implementation of the GST or Goods and Services Tax in Malaysia has been one of the most talked about issues since it was announced by the Prime Minister of Malaysia during his Budget 2014 speech. A lot of speculation has been going around since on whether there will be an increase in price of goods and services while many has taken precautionary steps to spend less come 2015. How then will the GST affect Malaysians? The...

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4 Types of Financial Apps You Must Have
Jul14

4 Types of Financial Apps You Must Have

The working and corporate life is hectic and very busy. In trying to make ends meet, you often overspend or lose focus in your spending which can be very detrimental to your financial health. So to keep your finances in check, we find out the top 4 categories of mobile apps which can help you strike a balance. Banking Apps – Most banks have already produced their own mobile apps which can run on both Android and Apple. Whichever...

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Top 10 Life Insurance Companies in Malaysia
Jun11

Top 10 Life Insurance Companies in Malaysia

Making a choice on which insurance company to use can be challenging as you will actually be entering into a long-term investment. There are many insurance companies operating in Malaysia for the last few decades where they have a broad range of products and services tailored for the needs of Malaysians from all walks of life. When it comes to Life Insurance, you might want to consider choosing only the most reliable and dependable...

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How to avoid wasting money without realizing it
May10

How to avoid wasting money without realizing it

Financial freedom can be quite a myth if you are not careful with your money. If you are a person who wants to be financially stable, then you will surely have investments, savings and such all meant for the future. However, if you are not careful or articulate enough, you might actually be wasting money without even realizing it. Below are some of the ways it happen. Home Repairs must be attended to ASAP Owning a home is easy,...

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Manilla – Bills and Reminders – You won’t pay late charges again
Jun26

Manilla – Bills and Reminders – You won’t pay late charges again

Our lives are so fast-moving that sometimes we just wished we could do everything automatically. The days and weeks pass by so quickly that sometimes we do not even realize that a month has already come and gone and it is time to pay your bills again. But we have so much work to do and so many bills to pay each month that we can forget sometimes. We have to pay the bills, credit cards, school fees and just about everything under the...

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What you need to know about credit cards?
Apr21

What you need to know about credit cards?

Credit cards are basically a type of loan which are given out by banks or financial institutions to those who would like the convenience of not carrying cash. However, it has become a method of using money into the future which have caused debt problems for people today. This is because, unlike in the 1980s, credit cards are easily and widely available for anyone who meet the criteria. In Malaysia, anyone above 21 years of age is...

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What is Loan
Apr20

What is Loan

Loan(pinjaman) refers to something that is borrowed especially money. In short, loan simply means debt. After a specific period of time, loan(pinjaman) requires redistribution of financial assets. The process of loaning begins when an individual or more commonly known as the borrower acquires an amount of money from lender/principal. Bear in mind that over time, borrower must repay an equal amount of money or sometimes including...

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List of Tax Reliefs in Malaysia
Mar29

List of Tax Reliefs in Malaysia

If you are not careful with all your finances, you might be paying more than you should in taxes. In Malaysia, the government provides various ways of tax reliefs which when calculated properly would constitute a substantial amount in your taxable income. It is therefore very important that you are aware of tax reliefs provided in Malaysia which are listed and explained below. Self and Dependent – RM9,000 This is a standard tax relief...

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How to Submit E-Filling
Mar29

How to Submit E-Filling

Submitting your income tax can be quite a headache in the past especially when you have to compile all the required documents like receipts and claims. When it comes to the months of March and April, you will be scrambling for your documents and visiting the Inland Revenue Board to declare your tax. This has however been made much easier today where you can now submit your income tax online through the E-Filling system. E-Filling is...

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How can AKPK help you and when should you ask for their help?
Mar27

How can AKPK help you and when should you ask for their help?

When you are charting you your career, it is very easy to go astray financially. In fact, once you start earning your own income, you want to buy this, go there, do that and everything else because you have the financial means to do so. However, a lot of young people fall into the trap of spending more than they earn. When the situation gets tricky, they get into debts because it is so easy to do so. Banks today offer credit cards,...

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9 Financial Tips for Young Graduates
Mar26

9 Financial Tips for Young Graduates

You recently finished your first degree and among the feelings that you have is that you are going out in the world and you feel as if you are ready to take it on. No matter what you do or plan to do, you must always bear in mind the importance of financial management because a wrong step could mean a long term problem which will be very hard to solve later in life. The truth is that no one teach you about financial management in...

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The Best and Worst Universities and Colleges to Teach in Malaysia
Jan23

The Best and Worst Universities and Colleges to Teach in Malaysia

Teaching is a noble profession if you are all about education. In fact, it can be a very rewarding career if you are doing it right and at the right place. Malaysia has one of the most active and fastest growing education industries where there are more than 700 private and public institutes of higher learning operating in the country. If you are planning to venture into this career line, there are certain factors that you need to...

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Tips about Corporate Financial Management
Nov15

Tips about Corporate Financial Management

What exactly is financial management? Basically, it refers to the management of finances in a business, corporation or organization with the sole purpose to achieve particular financial objective. Among some of the most common financial objectives are to increase the organization’s earning, focus on returning cash of shareholders and generate sufficient return on investment by taking into consideration the risks posed to the business....

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Sale and Purchase of Houses and what you should know about the documents
Aug03

Sale and Purchase of Houses and what you should know about the documents

When buying a property or a house, you will come across the Sales and Purchase Agreement or sometimes referred to as the SPA. Basically, if you are buying a new property, all the required documents will be flourished and provided by the developer while if you buy a used property, there are certain information that you will need. Where this is concerned, you need to know if there is a separate title for the property beforehand. Once...

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Resorts World Sentosa – Tan Sri Lim Kok Thay’s brainchild
Apr21

Resorts World Sentosa – Tan Sri Lim Kok Thay’s brainchild

When Tan Sri Lim Kok Thay took over the Genting Group from his late father Tan Sri Lim Goh Tong who built his empire on the gaming business, many were skeptical as to whether he could pull it off successfully. More than 10 years since he took over, the second son of the casino magnate has established a worldwide network of casinos and has invented a whole new perspective to the company. Perhaps his most notable achievement apart from...

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