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Archive for July, 2015
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July 31, 2015

Do Energy-Efficient Appliances Really Save You Money?

We’re big on saving the planet nowadays, and one way to do that is by saving energy, since by using less energy, you’re using less non-renewable energy (most of Malaysia’s electricity is generated with natural gas, two rapidly depleting resources), release less pollutants, and reduce your carbon footprint.

We even have our own energy efficiency label, the Minimum Energy Performance Standard (MEPS) star rating, although we commonly see the Energy Star label in the market. But does all this hype about energy-efficient appliances really pay off?

Refrigerators

Refrigerators are one of the biggest consumers of electricity in a home – almost a fifth of [...]

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July 31, 2015

7 Ways to Outsmart Your Bank

Banks exist to help you finance big purchases – in other, unsavoury words, it’s the source of most of your debt. They might seem hell-bent on making your life a misery while you repay the borrowed amount plus interest, but did you know that you can outsmart them, too?

1. Exploit your credit card’s interest-free days

Your credit card has a monthly billing cycle and a payment grace period to go with it. The monthly billing cycle, like its name suggests, is a cumulative of the balance you’ll have to repay at the end of a month, and the grace period is typically two weeks from the date of issuance of your monthly statement, during which the amount on your [...]

 
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July 30, 2015

8 Ways to Become a Smart Consumer

Everyone wants to get value for their money, and we’re not above taking advantage of discounts and promotions to stretch the ringgit as far as it can go. Stay smart and stay safe with these tips today!

Don’t send sensitive information online.

You wouldn’t give your credit card details to a total stranger, so why would you share it via Twitter or WhatsApp? In addition to the risk of losing your information to hackers, the data you share in virtual space stays stored.

Image via The Atlantic

You’ve basically compartmentalised your information (since it’s posted under your name) for easy retrieval in the future. If you absolutely need to send [...]

 
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July 30, 2015

Is Your Emergency Fund Costing You Money?

Emergency funds are meant for emergencies, but what constitutes an emergency? Is it only for extreme cases such as job loss or long-term medical leave, or is it also for unexpected sporadic expenses such as car repairs or emergency medical expenses?

If it’s for all of the above, how much should you save, or should you not bother with an emergency fund at all?

The Golden Triangle

All forms of investment have some form of risk, return, and liquidity. Almost every investment gives two of the three features and leaves it to you to weigh the pros and cons based on your situation. If you think of your emergency fund as a form of investment, you’ll have a low risk, low return, [...]

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