10 Tips To Consider Before Buying Your First House


Ask any employee about what their dreams are and chances are they’ll tell you that one of their dream is to move into their own home. For first-time home buyers, nothing can be as exciting as finally getting the keys to a house you can call your own. There’s that thrill you get when viewing a property for sale. Images ...

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8 Basic Money Lessons Everyone Should Know!


Save some, spend some. Therein lies the most basic principle of money. In reality, though, you’ll need to learn how to do both properly in order to remain financially stable, so here’s a quick run-down on what you should know: 1. How to think about money When it comes to money, many people have complicated feelings about it. Some feel ...

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6 Lessons that Turn Kids into Money-Savvy Adults


You want your kids to grow up into financially-conscious adults, but teaching financial lessons to precocious children can be a test of patience and frustration. They have short attention spans. On the bright side, they’re also highly adaptable, so there’s a chance they’ll pick up the lessons you’re implying without them knowing it. Here are 6 lessons that can teach ...

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EPF (Employees Provident Fund) – Frequently Asked Questions


What is EPF? EPF stands for Employees Provident Fund, or KWSP (Kumpulan Wang Simpanan Pekerja) in Malay, and it is Malaysia’s compulsory savings plan and retirement plan created under Employees Provident Fund Act 1991 (Act 452). Who Becomes an EPF member? Any employee working in the private sector, as well as those working in the public sector as a non-pensionable ...

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5 Reasons You Should Get A Second Credit Card


The credit card is an awesome and terrifying invention. Awesome, because it allows us to purchase goods and services without lugging around stacks of cash; terrifying, because it’s so easy to overspend when your cash outflow appears to be nothing more than numbers on a receipt. The interest rates on the unpaid amount can “snowball” you. So if one’s bad ...

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6 Ways to Save Money & the Earth


It’s a noble idea, saving the earth. You don’t need to be a superhero to save the earth. Anyone can do it, even you. It’s pretty easy, and all it requires are small changes to your lifestyle and a replacement item or two. You even get to pocket more of your disposable income for your efforts. Use handkerchiefs instead of ...

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Personal Loan: When and Why Would You Need It


We’d love to be able to afford everything we need in hard cash and never be in debt. Sadly, that isn’t the case for many of us. If you use credit carefully, you can tide yourself over financial emergencies with no lasting negative effects. Credit cards are the easiest forms of credit to come by. Personal loans, however, should be ...

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What is PRS (Private Retirement Scheme) and Do You Need It?


As of July 2012, a new retirement scheme has appeared on the Malaysian market. The Private Retirement Scheme, or PRS, is now offered by eight PRS providers (as of 25 April 2013, according to the Securities Commission Malaysia’s website), namely: AmInvestment Management Sdn. Bhd. AIA Pension and Asset Management Sdn. Bhd. CIMB-Principal Asset Management Berhad Affin Hwang Asset Management Berhad ...

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