Financial Planning

How to Build A Budget For My Income

Debra has made a wise decision to create a budget to organize her finances and prepare for any financial emergencies. Her first step is to determine her net income. The net income is how much money Debra has left over at the end of each month. This amount is found by using the following equation. [...]

What is Compound Interest?

Compound interest is the interest an investor earns on his original investment plus all the interest earned on the interest that has accumulated over time. Compound Interest = Interest On Interest It is easier to think compound interest as interest on interest. To understand compound interest, let first look at simple interest. Simple Interest = [...]

What is GDP (Gross Domestic Product)?

What is GDP? The letters GDP are fling around often by president, the Federal Reserve Board (FRB), generalist and many others. They stand for, Gross Domestic Product, which represent the overall market value of all the goods and services a country produces. Formula of GDP In a way, it is like a price tag on [...]

How to Improve Your Credit Score Rating – 5 Easy Ways

What are the easy ways to improve your credit rating? A good credit score is essential. Lenders determine the interest rate you received by mortgages, credit card and personal loan by using your credit score. Using these tips can help you raise your score: 1. Make Your Payment On Time. Mail your payment 5 to [...]

Free Financial Education Program – How to Manage Your Debts Effectively

“POWER! Managing Your Debts Effectively” is a free financial education program organized by AKPK (Agensi Kaunseling dan Pengurusan Kredit). The program is designed to equip you with fundamental of financial management knowledge, improving your confidence and ability to make right financial decisions. Who Should Attend Open to all Malaysians aged 18 and above who wish [...]

What is Working Capital?

Working capital is a measure of a company’s financial strength. Peter is thinking about investing in automotive industry and he has his eye on two companies; Arthur’s Engines and Joe’s Motors. Peter calculates the working capital for each company: Arthur’s Engine has $200,000 in current liabilities, liabilities that the company must pay this year and [...]

3 Important Credit Score Factors

Your credit score takes a number of factors into consideration, but just three of those factors make up 80% of your score. There are: 1) Payment History Your payment history counts up to 35% of your credit score. Lenders want to know that if they lend you money, you will pay it back as promised. [...]

Understanding Book Value

Book value tells an investor how much a company is worth if it ceased operating today, sold all its assets and paid off all its debts. Book Value = Tangible Assets – Liabilities Example: Steve is the Pies ‘R’ Us CEO. His company owns baking factory, pie pans, orchards and everything else need to make [...]

Get Insurance Coverage Before Jumping Into Any Investment

Should we buy insurance first before start investing? Definitely yes! Why do we need insurance protection and how important it is? Read this real life example: A minor knee surgery at private hospital Malaysia can easily cost thousand of ringgit. A cousin of mine was charged at about RM6,000 for the surgery after a motorcycle [...]


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