tag:blogger.com,1999:blog-13052235Fri, 28 Mar 2008 18:20:19 +0000http://www.financialplanningmalaysia.com/pfinance/index.phpchentongBlogger10125tag:blogger.com,1999:blog-13052235.post-2786173624914661309Wed, 02 May 2007 09:55:00 +00002007-05-02T03:29:26.512-07:00It bothers me when I read a financial blog "frugal for life". It is a blog dedicated entirely to living a frugal and simple life. I agree living frugally. I always believe we don't need to spend (or spend only minimal) to live to the fullest. However, I disagree to make frugal an objective of life. For instance, I will not disagree a statement like this "Live to the fullest without spending muchhttp://www.financialplanningmalaysia.com/pfinance/2007/05/prosper-for-life.phpchentongtag:blogger.com,1999:blog-13052235.post-115630519071452911Wed, 23 Aug 2006 03:42:00 +00002006-08-23T02:13:57.800-07:00Depending on your lifestyle you can save quite a fair bit from your daily food. 1. Instead of eating out for dinner daily, why not "ta pao" (take-away) mix rice, noodles, etc.? A two-person meal in a restaurant with three dishes can easily cost you more than RM30. While take-away for two persons will not cost you more than RM10. (I do know some middle class couples who dine out every evening.) http://www.financialplanningmalaysia.com/pfinance/2006/08/saving-tips-2-food.phpchentongtag:blogger.com,1999:blog-13052235.post-115618533260196980Mon, 21 Aug 2006 18:34:00 +00002006-08-21T11:53:10.590-07:00I should have started the topic of saving strategies long time ago. Let's begin with the first saving tip with idea from MSN's Money... There are things in life that you should not buy new. These are 10 of them among all. By Liz Pulliam Weston. 1. Books 2. DVDs and CDs 3. Little kids' toys 4. Jewelry 5. Sports equipment 6. Time shares 7. Cars 8. Software and console games 9. Office furniture 10http://www.financialplanningmalaysia.com/pfinance/2006/08/saving-tips-1.phpchentongtag:blogger.com,1999:blog-13052235.post-112929696470710248Fri, 14 Oct 2005 13:31:00 +00002005-10-26T09:24:23.753-07:00A way of Life: Spending, saving and living every moment How to enjoy the present (carpe diem, seize the day, my friend) and save for future? Let us compare these three types of lifestyles summarized in three scenarios. Lifestyle ONE You walked into this expensive restaurant in Bangsar with your friends and family. You were a bit intimidated by the prices in the menu though you knew you could http://www.financialplanningmalaysia.com/pfinance/2005/10/way-of-life.phpchentongtag:blogger.com,1999:blog-13052235.post-112636447245769757Sat, 10 Sep 2005 14:54:00 +00002008-03-28T00:35:41.920-07:00If your house is under your spouse's name, you can now withdraw your kwsp/ epf to reduce or redeem housing loan for your spouse. Check it out here at kwsp/ epf web site, under Member Housing Withdrawal's Section G.http://www.financialplanningmalaysia.com/pfinance/2005/09/kwsp-epf-for-home-loan.phpchentongtag:blogger.com,1999:blog-13052235.post-112401062227610908Sun, 14 Aug 2005 08:25:00 +00002008-03-28T11:10:15.732-07:00It is quite amazing to realize how much the web site has improved over the years. We can now get many simple services and queries done without going through the hassle of queuing up in front of KWSP/ EPF's service counter. It is now one of the better government web site. http://www.kwsp.gov.my Withdrawal You can download KWSP/ EPF'’s Forms and guides for various types of withdrawals from the http://www.financialplanningmalaysia.com/pfinance/2005/08/have-you-been-to-kwsp-epf-web-site.phpchentongtag:blogger.com,1999:blog-13052235.post-112280430105812156Sun, 31 Jul 2005 09:45:00 +00002005-09-10T07:50:52.966-07:00It is reported in today's Sunday Mail that in most cases Malaysians do not have sufficient savings in their Employees' Provident Fund (EPF) Or Kumpulan Wang Simpanan Pekerja (KWSP) for retirement. However, most of them are under the impression that their EPF/ KWSP contributions are sufficient for their old age. "Studies have shown that most retirees finished their money within 10 years after http://www.financialplanningmalaysia.com/pfinance/2005/07/kwsp-epf-for-retirement.phpchentongtag:blogger.com,1999:blog-13052235.post-112274702305211759Sat, 30 Jul 2005 18:01:00 +00002005-07-30T11:10:23.053-07:00These are few of the popular online banking web sites Hong Leong Bank's ezbanking Maybank's Maybank2u.com Citibank's Citibank Malaysia http://www.financialplanningmalaysia.com/pfinance/2005/07/top-online-banking-portals.phpchentongtag:blogger.com,1999:blog-13052235.post-111712284251608125Thu, 26 May 2005 15:49:00 +00002005-09-13T10:37:30.176-07:00Yesterday Simon and Caroline from Light and Easy’s Light Breakfast Radio Show brought up a very interesting topic, “should a married couple hold joint bank account or should they keep their personal bank accounts separate?” We are in favour of holding a joint bank account. It provided us the discipline to finish off our 20 -year home loan in 7 years. We understand the difficulties and we have http://www.financialplanningmalaysia.com/pfinance/2005/05/joint-bank-account-for-married-couple.phpchentongtag:blogger.com,1999:blog-13052235.post-111667128250923472Sat, 21 May 2005 10:13:00 +00002005-05-28T01:26:14.016-07:00At different stages of life we need to make financial decisions, critical personal financial decisions that will have long term irreversible impacts upon our financial well being and quality of life, e.g. buying a house, going for studies, sending our children to college, getting a loan to start a business, etc. These decisions are critically important due simply to one reason - we are not rich http://www.financialplanningmalaysia.com/pfinance/2005/05/personal-finance-principle.phpchentong