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December 21, 2015

Are You Ready to Retire by Yourself?

EPF is worried that more than half its account holders barely have enough to comfortably survivenot working past retirement; indeed, RM50,000 is a small figure when you factor in inflation and rising medical costs as you age past your prime.

At the same time, it’s a big figure to accumulate over your effective working lifetime as you juggle loans, household expenditures, and other costs. If you’re a person who loves your independence, how can you be sure that you can maintain your hard-won independence post-retirement without relying on other people or loans to get by?

Get Insured

There are many types of insurance, and all of them are beneficial to you in [...]

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November 26, 2015

What Happens Debts After Death?

We all carry debt at some points of our lives. Sometimes, you just aren’t able to pay them off before you pass away. You may die accidentally, die from illness, or die from old age without fully polishing off your debt. You won’t get bogged down by them when you die, of course – but what about your family?

Your Net Worth

Legally, your assets will be used to pay off your outstanding debt before any remaining balance gets distributed to your intended recipients, or beneficiaries. Before all that, though, your net worth will have to be determined.

If your total debt is worth more than your total assets, you have a negative net worth and is considered [...]

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November 18, 2015

Always Pay These Off First!

It’s never nice to see our bank accounts dwindle down to near nothing almost as soon as they’re replenished, but most of us must make do with what we have. One way to eke out a comfortable living is to pay off your debts as soon as possible. With the limited cash you have, though, what should you pay off first?

Fixed Payments

If you’ve been working for a few years, there’s a high probability that you have several types of debts under your belt. It goes without saying that fixed payments are usually backed by legal contracts you signed, so set aside money for them in your budget every month before you even think about spending a cent!

1. Your [...]
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October 22, 2015

Can You Retire In Your 30s?

So maybe you’ve been thinking about retiring in your 30’s, really thinking about it, and you don’t want it to be just another pipe dream. You want to make it come true. Maybe you want to go travelling or enjoy things close to home. Either way is it really viable for anyone to be retiring at that age?

Conditions for Retiring at 30

Retiring at the age of 30 is possible. However, depending on what kind of lifestyle you want, retiring at this age can either be easy or difficult for you in the long run. According to self proclaimed financial expert, Mr. Money Moustache, a retired Canadian engineer, all you have to do is save half of your pay cheque every month and [...]

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