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Do you know Gabriel ?  'G'abriel actually represent  ' god ' within MalPF world. He worked for less than 10 years Then he runs some businesses for about 13 years, some of them making loses Yet he retires at 42 and live happily ever after ( details ) The trick is . . .  there is no trick.  You have to live your life as the life itself.  Don't ever forget what you really want, don't ever get confused by the money figures.  There are many ways to achieve what you want or need other than using money.  ( what do you mean ?  ) Do you know that 12% return CANNOT even cop with 3% inflation for the next 30 years ? There is an increasing trend of young people retiring early.  While it may seems like a great personal finance trend.  But that will soon become the 'new' personal finance trap of 21st century ! A 30-year-old man who only uses $500 expense but with passive income of $999 may thought he is financially free.  But he will find hi...

I love reading personal finance topics on line and there are so many GREAT sites out there . . . if you were like me, have you ever wondered who the person is behind the site ? So I started trying to know more a bit out the person behind the web site - I asked for their permission for me to conduct an email interview with them. First I sent out an interview request like this .  Not everyone replied of course, but I manage to get a few reply from the sites I love most .... ( click on the paragraph title to view original interview scripts ) Champdog He is most probably one of the person whom I know the longest in real life.  A young guy who shared his true belief and through out his blog sharing, you can see he is making an excellent progress toward finance independence if not already is.  Although I know him the longest among all other bloggers or web site owners, until today I don't remember his web site URL.  I just google search "...

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...

Visit  http://howmuchtaxcanisave.co.cc/ Lets say this year your gross income is $20,000 ( about $ 1,700 a month ), you may start to pay tax.  ( about $10 a month ). Click the extend + sign to see everything.  Then think of which item is relevant to you.  For below case, this guy can buy a life insurance of $ 3,800 buy $500 magazines buy a $2,000 PC  Make sure keep all the receipts and the receipt dates show 2011.  Then comes 2012 when you are filing your tax, you can get back all your tax deducted by your company !! The web site is just an estimator or for fun or for educational purpose only.  Your actual tax plan and figures may subject to your very own unique condition.  Do consult a proper tax consultant or IRB is providing FREE advices when it is near tax submission date. Enjoy !!

Finally, even a guru like Robert Kiyosaki has to copy MalPF article and post as his own ... just kidding, of course.

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...