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Archive for September, 2015
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September 30, 2015

What is a Non-Performing Loan?

There are many types of loans out there, but one type of loan banks don’t want is a non-performing loan. Did you know that non-performing loans are caused by you, the debtor?

What is a Non-Performing Loan?

A non-performing loan is any bank-given loan that is no longer producing income for the bank. A loan is considered to be non-performing when a debtor (that’s you!) has defaulted on loan repayments for three months consecutively.

When a loan becomes non-performing, the bank considers itself unlikely to be able to get the loan to be repaid in full, and they consider it a bad loan.

What Happens to Non-Performing Loans?

Banks categorise non-performing [...]

 
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September 29, 2015

Should You Invest or Pay Off Debt?

Many of us owe some kind of debt by the time we’re 30. If it isn’t student loans, then it’s a new car, new home, or new appliances that you couldn’t afford to pay off in one go.

It’s normal, but amid repaying that you should also look to invest in order to grow your money. It’s never too early to start investing even if you’re already saddled with debt – although this depends on what type of debt you have and the total debt amount.

Should you pay off what you owe or let your money grow first? Here are some things to consider before you make this decision.

Interest Accumulation vs. Investment Returns

Before you [...]

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September 25, 2015

Proven Ways to Work Smarter, Not Harder

If you work hard, you’ll succeed – otherwise you’ll end up like that person over there (cue indiscreet pointing at any low-skilled worker)! It’s a familiar phrase growing up Malaysian, or Asian for that matter.

However, truthfully, working hard isn’t enough. You need to work smart. In fact, working smart is probably more important than working hard. Working hard at something that is not going to help you or is counter-productive to your aim is a recipe for failure. So, what does working smart actually entail?

Basically, you cut out everything that wastes your time. Yes, it’s that simple…in theory. The changes to your habits [...]

 
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September 21, 2015

Does Being a Millionaire Make You Happy?

Everyone has dreamed of being rich. After all, millionaires look like the happiest people on the planet; and if wealth equals happiness then why not, right? But does being a millionaire really guarantee happiness?

Advantages of Being a Millionaire 1. You’re Financially Secure.

Well, sort of. Your million will continue to lose value the longer you store it in cash form or in fixed deposits, but at the very least, you can be certain that you can pay for your bills and other reasonable expenses without feeling the pinch for the rest of the month. Gunning for a five-star trip to America? Go for it. Looking to upgrade your automobile? You won’t have to save up for years [...]

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