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Archive for April, 2016
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April 29, 2016

5 Financial Lessons Every Young Adult Should Learn

Most schools do not teach money management. Survey shows that parents rather talk about the birds and bees than wealth management. So what are the best financial lessons and advice for young people just starting to make money? Here are five financial lessons that can literally change a young person’s life forever.

Work At Every Chance You Get

What other ways to get out of debt and save money, other than to work and get paid for it? So always keep a lookout for work opportunities you could be doing during your free time.

Image via Flickr

If you are good at certain subjects, you could be a tutor and even be a freelance writer or photographer for online [...]

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April 28, 2016

6 Super-Effective Boosts for Your Credit Rating


It is said that having no credit rating is worse than having a bad credit rating, and having a bad credit rating is, well, bad. A bad credit rating is why people have trouble trying to secure bank loans and other forms of credit. A good credit rating is more likely to get that loan application approved. One of the first things anyone should do when considering a loan is to get a copy of their credit report to see where they stand on the credit rating scale. In Malaysia, you can get your credit report from Bank Negara. If you need to fix your credit rating up fast, here are six moves you can try:

Get a Credit Card

Before you tackle this, make sure you can handle [...]

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April 27, 2016

Working Past Retirement: What Should You Prepare?


Whether it’s for a challenge, a sense of fulfillment, or simply a lack of options, working past retirement slaving away in an office cubicle can be, at a glance, a distasteful option, but it doesn’t have to be that way. Flexibility and less physically strenuous activity would be nice aims to achieve. Here are several ways to prepare your post-retirement work-life.

Start Preparing New Job Avenues Before You Retire

It’s very nice to dream about finally getting a long stretch of time to do absolutely nothing and everything you want until it’s time for a reality check, but life doesn’t wait for you. The wheel of employment is in constant [...]

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April 26, 2016

Should You Consider Joint Home Ownership?


Unless you’re born with a silver spoon in your mouth, a mortgage loan for a property is a decades-long commitment, one that you may not be able to qualify for by yourself at the present time. When that happens, you can choose to either wait a while longer to build up your savings and credit rating, or to co-sign a loan with someone, usually a family member or someone you trust.

What Co-Signing Means

A co-signed loan is, as its name implies, a loan that is taken out by more than one person, up to a maximum of six. Joint home loans can only be obtained by an applicant and their spouse, parents, or siblings. Unless your co-signees are genuine Good Samaritans [...]

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