Financial Planning

Budget 2010 Malaysia: Credit Card Service Tax Charges RM50

No more FREE FOR LIFE credit card in Malaysia after 31st December 2009! Referring to the latest Budget 2010 Malaysia, each principal credit card holder will be imposed a Service Tax of RM50 beginning 1st January 2010. Whereas, RM25 service tax will be charged yearly for every supplementary credit card. Credit Card Service Tax It [...]

Custom Made Free Excel Cash Flow Spreadsheet for Own Use

How to analyze your cash flow? Firstly, create an excel cash flow spreadsheet to record down all cash inflow & outflow into the custom made cash flow sheet for your own use. It’s free and simple! Secondly, be patient and records the daily expenses continuously and consistently. Few months down the road, the recorded incomes [...]

How Much Car Down Payment to Pay? Maximum or Minimum?

What is the best way to determine how much Car Down Payment to pay? Pay as much as we can? OR borrow money from bank, family or friends as much as we can? Case Study: Perodua Myvi SE ZHS – Myvi Special Edition (Automatic) Scenario 1: Pay Maximum Down Payment with Your Cash Metallic: RM53,400 [...]

How Much Can You Afford for a Car?

How to budget for a car? Especially buy first car in your life. This article shows you step by step buying car guide for those with limited savings or income. Step 1: Start recording your daily expenses to find out your total monthly expenses. Step 2: Analyze your monthly cash flow. Determine how much your [...]

Financial Disc Forecast Market Movement, Determine Best Time to Invest

How to forecast market movement and calculate the best time to invest in stock market for dummies? Try “Financial Disc”, an investment tool used by David Yap to make money by prediction on the share market movement. He is the author of from Malaysia. If you are interesting on share market advice and tips, do [...]

Buy Cheaper Car Insurance Online Yourself to Enjoy 10% Discount

How to get cheaper car insurance? Good news for car owners who buy car insurance directly from insurance companies in Malaysia without using the services of an agent will qualify for mandatory rebates. The policy is effective from 1st July 2009. Referring to the new changes, you are entitled for 5% rebate on your first [...]

How to Make More Money with Education on Money Matters

Saving money always is my forte! Is it saving money good enough? Yeah, saving is good but it is not enough to achieve financial independent. But the question is, How to make more money? I have consulted many “expert” regards to this. However, each of them gives me different answers and solutions. OMG, how do [...]


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