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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...

How will you use the power of leverage ? LEVERAGE 1.0  : I have $1 and I know how to earn $2 from it.  But earning $2 is not interesting to me.  So I found a way to borrow $30 to do it. My debt ratio is 30:1 Supposedly after it is done, I earn $60, pay back the $30 and $5 interests/fees.  I could have earned $25 instead of $2.  This is the power of leverage, amplify my earnings. But when things go south, I haven't earned the $60 yet but I have already owed someone $35.  I just needed more time and I CAN get more time by just paying more interest /fee.  This time its another $8.  So I will need to pay back $43 but if I could earn the $60, I still have a profit of $17.  Not as good as $25 but still better than $2. Just in case my $60 still hasn't come in yet, I could extend my time again by paying another $10 interest /fee.  By then my potential profit is $7, much worse than $25 or $17, but still better than $2. However eventual...

Frugality in Kuala Lumpur has just gone one level deeper.  A saving of about $550 monthly, a 2 hours exercise sessions for FREE and an opportunity to explore natures within the city has just been proven recently with just ONE simple ACT !  As everything goes, there is some trade off or 'risk' too ... Its Cycling To Work ! Mathew  was a guy who suffers from a terrible 24.3% inflation in 2009.  After he started to follow this blog, he has learned a trick or two to keep things going smoother.  Today he is working as a top executive in a public company but situation hasn't changed much.  He is still in middle level income group.  After his 5 figures income divided by the number of people he has to support, his actual cash-at-hand per person monthly is much less than average personal income ie. $1,500. Many staffs who worked for Mathew always complains about how tough their lives are and demand a salary increment without extra performance to the compan...

There are 2 BIG main external factors affecting our investment decisions Economy Politic When the time is really bad (economy downturn and politically unstable), its best to park your money under something that is really stable, ie Gold . Which is by definition usable anywhere you go in anytime. When its good time, invest direct to the stock market would yield very good return. When the economy is not so good in a strong country, the government bonds or related money market would be able to yield higher return than just gold. However, the most dispute solution in good economy unstable country is investment in property . This is mainly due to easier rental and higher chance of capital gain. By simply moving money around depends on the political and economy situation, one was able to achieve more than 12% compound return for the past 20 years. That is equivalent to a 10X return. But by no mean this is easily done. Some of the concerns include; how would one know exactly when econo...