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Ever seen easy money making offer ?  They are always very convincing - - - It even challenge you to leave, this is reverse psychology making us to feel that he really has something here . . . calls for action again, this is the most important step to close a sale. Reassure you it is EASY.  You earn money Right away even if you are dump.  Finally the number is out.  This is what they want from you. Quickly follow by wordings like "FREE" make sure you feel good again this should caught your eye, what to reinvest? is it a must?  I can't be all out?  Reassure you again its ok if you are dump The payment page is not a secure page, even the error message is wrong implying this page is modified from some other template related to phone!?  You are in !  Happy ?  You must be thrilled because you will be a millionaire soon ! So what are the catches ?  Well, don't curse them nor say they are cheating you.  Because they have already lay down th...

By now, the word "Passive Income" is so Overrated !! Some even are promoting it as Get Rich Scheme where you don't need to do anything and yet you are able to earn income for FREE !! from some findings on the meaning of  PASSIVE : it says ~ not   participating   readily   or   actively;   inactive: not   involving   visible   reaction   or   active   participation:   Contrary to above, no matter what kind of income you are getting, you would definitely require some form of active participation to make it happen or at least to get it started in the beginning;  and contrary to the meaning of passive, whatever smart income you have generated would have anticipated very clear and precise vision on the reaction or expected results even from the very beginning. Hence, the intention of writing a book titled above is born! The book will preach about Smart Income instead. It will list out some of the popular passive incom...

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Half of year 2011 has already passed. Have you ever thought of your next tax filing yet ? If you only take a look by next year, then it may be too late for you to optimize anything anymore. Try below widget and see how much the impact may be for you ! Just enter your total annual income and see how much tax you can save simply by planning early !! This is a FREE widget provided at http://howMuchTaxCanIsave.co.cc/

From time to time we hear about how rich people donate their wealth away. Some donate whole of their wealth, some half and some donate just enough to optimize their tax planning. Most people would think that the rich has too much, hence they want to give some away since they can't use it anyway. That ... would be 20th century mind set. The fact is ... the rich who donates, is not only rich, but also smart rich. Whatever they have now, they can continuously have it at anytime. Hence it doesn't really matter if they give anything away tonight, they will have it again tomorrow morning. That would be the ultimate power of passive income, or smart income . Once you know how much you 'really' need, you 'find a way' to keep your needs fulfilled without doing anything much. Then whatever extra comes in is the one you can easily donate away without filling any pinch. Yet many will feel much appreciated because it means the whole world to them. So in short, you can...

This is an extract of what I read in today's newspaper. More and more people start to carry this type of alternative concepts about retirement especially in this 21st century. You can't say its wrong. As a matter of fact, its a rather SMART way to go. But lie within is a huge hidden risk. The titles in above newspaper read: you don't need much during retirement, coz your liability has reduced living frugal is not hard, mentality is the key you don't need to prepare to retire ? By the time you retire, you probably don't have any more house loan or car loan to serve. Your body does not allow you to earn that much anymore. Chicks don't get attracted even if you sit in a Porsche. The bigger house you live in the harder it is for you to take care of it. In short, many people plan to 'maintain' their CURRENT lifestyle when they play for their retirement. The fact is you WILL NOT live the SAME lifestyle even if you are financially able to. Basically ...

Sometimes I feel very depress when my prediction comes TRUE. For those who don't know yet, Malaysia is going through a transition where political power could potentially shared between 2 parties; instead of just one-side-say-it-all like the past 50 years. Unfortunately, the initial phase of this transition has ended in a way when our new Prime Minister has strategically resolved it. At the moment New Economy Model was presented, I immediately sensed the game err they plan to play. Because exactly the same game plan has been played in USA before. While it is true that Malaysia CAN become a developed nation by adopting those moves but it has also been proven that such finance structure is NOT sustainable. Just see what has happened in USA and what is happening in Europe. Although as if recession is over now, actual effective inflation experience the SHARPEST rise in last 2 months, as high as 25% to 50% if you visit hypermarket often. That is not the worst. What is happening n...

When your personal income increases, you start to pay more taxes too. It was mentioned before there are certain income Stepping that one should watch out for to optimize tax planning . For example, as your total annual income is approaching MYR 100,000 in Malaysia, you are most likely to be paying maximum taxes like a company's ie. 27%. So you pay about MYR 15,000 taxes so your net income become MYR 85,000 ( exclude other deductions for the purpose of this article ). Then you will proceed paying your due diligences like house loan, car loan and all your other expenses etc. Lets say those total up to MYR 73,000 so you would have a remaining income of MYR 12,000; Or MYR 1,000 a month. As mentioned before, if the taxation laid upon a business is similar ie. 27%, then perhaps you can create a business of your own. Then sell yourself back to your current employer doing exactly the same stuff so that it has no impact what so ever to your employer's operation (*1). As a busines...

Like inflation , Living Standard can be a big number where GDP, poverty rate, income growth inequality, life expectancy are involved. But as far as personal finance is concern, what you should really care is your very own personal living standard. Simply put, living standard is your ability to sustain how you live your life. At one hand this can be calculated very much similar to Living Cost and the increase of living cost over time is inflation. So is living standard the same as inflation ? But it should be the opposite instead. One would want lower inflation but higher living standard. So what has gone wrong in the formula ? The keyword is " ability ". If you are NO longer ABLE to sustain how you live your life when inflation kicks in, you are facing the risk of lower living standard. Inflation is an external factor. Your ability to fight the inflation will determine your living standard. When your ability increases faster than inflation, your living standard is ...