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Malaysia is aiming to increase its average salary from $2,000 to $4,000 in the next 10 years. How can that be done ? First of all, using rule of 72 you can estimate that doubling in 10 years would mean a continuous compound raise of 7% annually. Or a total of 72% increment within that 10 years. For example, it doesn't matter if the increment is from 2.72% to 11.72% adding 1% annually OR it went from 11.72% to 2.72%, either way will result a $4,000 monthly salary in 2010. While it may sound tough to double a person's salary in 10 years but there are a number of ways this can be achieved rather easily country wide; 1. Increase Inflation By decreasing supply on purpose, prices increase. Where does the extra money go to ? It goes to people who produce the supply. It may sound weird but when done properly, all the extra money collected from the consumers will be passed down to the workers themselves. This way, although items price increase, your salary increase as well. N...

In 2009, Dung, Mat and Ahmad's personal inflation rates are 4%, 24% and 2.5% respectively representing the Rich, the Average and the Poor. Unfortunately this year we can't do a 1 to 1 comparison because Dung's business has expanded into main land China and his life style has drastically changed. Mat lost his job and now float between temporary freelance works. Ahmad on the other hand has ventured into politics and sort of get himself 'upgraded' into the Average arena. Unfortunately, none of their personal inflation rate can be used to represent our 'typical' experiences. All of them are going through a 'transition' in life rather than reflecting the general senses of inflation. But perhaps you are experiencing a transition in life too ? When one is calculating his own personal inflation rate, it is important to differentiate value and cost . For example, a plate of used to be $1 fried mee is now $1.50; that would be a 50% increase as in it ...

1 month Fix Deposit Most banks offer 2.25% now except a few ones. Most of the ones who are still stuck at 2.0% are international banks like Bank of China, JP Morgan, Bank of Nova Scotia and Alliance banks. 1 year Fix Deposit Highest offered rates is 2.75% by Affin Bank, AmBank, Bangkok Bank, Bank of Tokyo-Mitsubishi UFJ, Deutsche Bank, Hong Leong Bank, Malayan Bank. Base Lending Rate Most local banks stand at 5.8% now with Affin offers the lowest at 5.75%. International banks offer lower rate starting from 5.50% by Royal Bank of Scotland. Saving Accounts Kuwait Finance House continues to offer highest saving interest rate in its KFH Savings Account-i at 1.5%. This account is also very simple and straight forward. Other than that, Standard Chartered's Al-Wadiah Savings Account-i offer 1.0% for up to RM 10,000 savings. CIMB's Air Asia Savers Account and Mudharabah Saving Account-i also offers 1.0%. Other accounts who seems like offering high interest rate but require high am...

There are certain fundamental stuffs that you should do even before you fully understand what they are . That will at least keep you afloat at a certain stage, also often used as resting stage or jumping stone to higher level. Usually this stage is also adequate for young adult to retire early . What goes beyond however will require clear target and solid methods . Some of the easier methods shared before are ; Stock Investment : When to Buy at What Price ... Why Use EPS and PE ... Where to get these data ? ... Management, the Qualitative side Guaranteed Property Investment method One common element to do great thing is the use of Leverage . Unfortunately, a lot of people learn about leveraging before they learn the right method. As a result they simply leverage everything they had. Leverage is basically maximizing result, no matter what direction it goes . If you have a good investment system, leveraging it would result a bigger profit. Likewise, if you have a bad or no system...

One of the weird concepts presented by this site is that you don't have to have a goal in your personal finance. It would be like an anti good finance practice, as guilty as Rich Dad asking us NOT to save in his Conspiracy publication . Lets get straight to the point then. If I really don't know what I want in life or always fail to stick to the same goal, does that help if I keep on searching my goals and therefore should do nothing about my personal finance until I find the right goal ? I think the hint should be clear. There is really nothing wrong or as a matter of fact, much better if you also start saving and save automatically while you are looking for your goal. You may not understand exactly what Warren Buffet is doing but if you were to just follow exactly what he has been doing, what do you think you will end up with? Well, Berkshire Hathaway investors can tell you that they are very happy with exactly that situation ( at least historically ). If you have found ...