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July 2011 Update is here Fix Deposit Honestly, after tracking the rates for years. Affin bank is the bank to go with if you want the highest FD rate. Be it 1 month or 12 months, just go with Affin bank. Check this site often, I shall let you know when this trend changes. Base Lending Rate ALL local banks stand at 6.3% now with Bank of Tokyo and Royal Bank of Scotland offers the lowest at 6.0%. Saving Accounts Bangkok Bank offers 1.85% Bank of Tokyo, Bank of Nova Scotia offers 1.75% Don't forget you can get a simple widget like above to show on your blog / web site. Just visit here to see how. Car Loan : NEW Car Maybank continues to offer the lowest car loan rate starting from 2.7%. However, this is NOT a standard rate apply to all applicants. The actual rate can range up to 4.3%. Bank Muamalat offers 2.85% for both New and Used cars but it requires an admin charges of RM600. Car Loan : Used Car Bank Muamalat offers 2.85% but requires admin charges of RM600. CIMB offers 3.25% u...

Budget is one of the very first topics in Personal Finance. Many may think budget is about control expenses but the true meaning of budget is to PLAN AHEAD . Although they may mean the same thing but actually it will leave a very different psychological effect. At one hand, one is focusing on 'expenses'. Controlling implicitly mean NOT to over spend it. This creates an internal conflict of "I want it but I can't have it". Whenever a control fails, its due to lack of discipline. The resolution is to control it better which is enforcing discipline. Enforcing discipline on a person who naturally does not have discipline is the internal conflict mentioned earlier. On the other hand, PLAN AHEAD would simply imply "I want it and I will get it". This is more target oriented and positive minded. Whenever a plan didn't materialize, one would have to plan better; as in "how else can I get what I want". This may further enhance one's cr...

We often hear experts said if you are young, you can take more risk, hence put your investment in equity. then if you are old, you should keep your capital in safer vehicle like bond etc. But one important strategy they miss out is ... the dynamic of personal finance portfolio. Says you are 25 years old, you will need a sum of money at 35 years old. Hence you can invest into equity. However, you must learn something about the equity market you are entering into. For example, you know that for every 10 years in your equity market, there will be a peak and a bottom. So perhaps by 3-4 years before your maturity date, ie. 31-32 years old. You should start considering withdrawing your equity investment and keep them in a money market or bond fund. This will preserve your capital and secure you from unexpected last minute change , ie. a sudden equity collapse. for example; age 25 : 90% equity, 10% bond age 27 : 80% equity, 20% bond age 32 : 40% equity, 60% bond age 34 : 10% equity, 90...

Value for Money ( short for V4M ) is basically how much values you get from the money you paid. It is often irrelevant how much is the price of an item or service. Whether or not a person pay for something is simply because of how he perceives the values he is getting. If a person perceive values more than its price, he would paid for it ! If a person perceive values less than the price, he would NOT paid for it. There are 3 types of V4M perceptions. This article will cover 2. Linear model of V4M is basically thinking all features are alike. Hence for every feature the person is looking for, he would be willing to pay some price for it. But if a particular feature is substantially higher price, he would think its NOT worth it. For example, a person is looking for a phone that has Wifi feature and cool-look feature. A typical wifi phone may cost him $500, a cool looking wifi phone may cost $2,000. A linear V4M guy will go for the typical Wifi phone. Exponential type of V4M model ...

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 ...

21st century personal finance is moving away from saving and focus into the income arena. In short, the gurus are now educating public that saving is NOT good enough , hence sourcing for passive incomes on the another hand is a BETTER solution, than just saving alone. While the concept is definitely true and correct but unfortunately as the hypes go bigger and bigger, the idea of passive income has been abused and more scams started to appear in the market, as if they were the gurus as well. Except the 'passive income' they refer to is barely promoting their own original same old products. The personal finance market has become so competitive that even some real gurus have no choice but to go beyond the line in their marketing effort - Robert Kiyosaki is no exception in spreading " Saving is bad ". Although passive income is very well defined here using income ratio 1:100 but is there really such thing as Passive income ? When I looked up dictionary, these word...