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Bundle stores. You may or may have not heard of it, but no one can deny its popularity. These stores have been trending for awhile now, especially among students and fresh graduates. This category of people have a very tight budget but they want to look good too! So how can they make a fashion statement without sacrificing an arm or a leg for it? Easy. They shop at bundle stores! Vintage Stores VS Bundle Stores In Malaysia, bundle stores are not to be confused with vintage stores. Vintage stores are selective with their collections, choosing only the rare prints[…]

Money and happiness. For most of us, we live in a make belief world of if-onlys. If only I had a better car, if only I can travel, if only I can afford better clothes…We believe that once we can afford these things, only then we can be genuinely satisfied with our lives. But is there a basis to such a belief? Researchers and experts have long debated and discussed the true factor to happiness. And along with it, is how happiness is related to money. It’s inevitable. In our society, money is important. We need money to eat. We[…]

How can you relate a soccer analogy with investments? Easy. You can relate it for your asset allocation.  Successful asset allocation accounts up to 91% of a person’s financial success. What is asset allocation? It’s basically how you put your asset strategically into the different asset classes. This way you can optimize your return and minimize your risk. Using the Soccer Analogy, we’ve broken down the best way for you to allocate your assets. Whether you’re a retail or enlightened investor, you definitely need to check this out! Retail Investor As a retail investor, your Goalkeeper is your insurance or[…]

Finally ready to start investing in Singapore? Congratulations! That’s great news because if you’re seriously considering investing that means you’re also serious about achieving your financial freedom. We couldn’t be more ecstatic and happier for you! But at last, where should you start? Your first step to investments is opening up a brokerage account in Singapore. This process is fairly easy and nothing you should be intimidated about but we understand why it can be intimidating. Therefore, we’re here to guide you. Without further ado, let’s begin!  CPD Account There are basically two accounts that you need before you can[…]

Someone’s sitting in the shade today because someone planted a tree a long time ago Warren Buffet Perhaps, this quote from Warren Buffet has finally convinced you to start investing. At this point, you are aware that saving money alone will never get you far enough, at least, not without doing some investments on the side. You understand that wealth is a combination of effort, patience, and strategy, and you want to get a head start. Good for you! Your initiative now means financial freedom later! What’s left is simply preparing you for your first time investing.  Getting started on[…]

Getting a side job as a freelancer or a part-timer has been the norm for the longest time.  Some do it as more people struggle to keep up with inflation and need to conjure up cash as soon as possible. Others just refuse to adhere to the 9-to-5 working hours and would prefer to be their own boss.  Regardless of the reason, the freelancing market in Malaysia is slowly expanding as a third of Malaysia’s workforce is involved in freelancing! There is no shortage of online or offline job opportunities in the market these days but if you’re too overwhelmed,[…]

Have you ever sat down and wondered, how are insurance quotes calculated? Perhaps you had a discussion with a friend and discovered that their life insurance quote is lower than yours even though their policy covers the exact same thing yours does. You’re confused. Are there certain aspects in your life that resulted in such high insurance quotes? Knowing what goes into the cost of life insurance is valuable information. This little bit of knowledge could help you understand how life insurance quotes work and give you insight into some factors that could save you more money down the line.[…]

If this is the first time you’re stepping into investments, you’re probably aware that you’ve got a lot of ground to cover, especially in stock investments. It’s a whirlwind of information and concepts, so we understand why it can be immensely confusing. Hence, here’s a list of basic stock concepts that you need to know! What is a stock? A stock is also known as a share, or equity. It is a financial instrument that symbolizes the company’s ownership. For investors, buying stocks increases their wealth. This is because they will be subjected to a proportionate claim of assets and[…]

What should you expect from your credit card statement? If you’re a beginner, getting a credit card statement is probably equivalent to getting back your test results. This is the time where you want to see your progress (how much you spend using the credit card) and the actions you need to take to cover any lacking areas (how much you owe the credit card issuer).  A credit card statement isn’t like your advanced math class. It is essentially just a periodic statement that lists all the purchases, payments and other debits and credits made to your credit card account[…]

Are you thinking of getting a credit card? It’s an intimidating decision, especially if this is your first time getting one. But never let that scare you! Credit cards are a great way to kick-start a blank credit record while teaching you proper money management. Before that, however, it’s important you have a good understanding of credit cards as well as what to look for if you’re getting your first one! First and foremost, the credit card terms you NEED to be familiar with: Annual fee is how much you will be charged on a yearly basis Interest rate is[…]

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