Hello Grasshoppa, Credit Score is a score on how healthy your financials is based on your payment behavior and a prediction of how likely you are to pay a loan back on time based on information from your credit reports. It is based on your credit or payment history related to credit cards & loans. To […]
Hello Grasshoppa, In my previous post on Is “Buy Now, Pay Later” Good For Malaysians, I shared my view on how I think it is good if we can use it well & how it is terrible if we abuse it. In today’s post, I will share my view on “Save Now, Buy Later” (SNBL). Recently, I […]
Hello Grasshoppa, We are in the new year & if your goal is to increase your investment each year, this is a good time to start planning if you have yet to plan it. Each year, I will be going through my investment portfolio rebalancing to determine if my investment strategy is effective & I […]
Hello Grasshoppa, I have been blogging for more than 4 years as part of capturing & sharing my retirement & financial independence process with you. I have written over 250 posts in these 4 years but never about my personal finance rules. Although it is part of my daily life & activities, these rules have […]
Hello Grasshoppa, There are multiple sources have mentioned that we are entering a recession soon. Recession periods are usually tough periods for many as we will be seeing the global economic downturn, higher unemployment rate, high inflation rate & bear market. It is truly an uncertain period of time from the trade wars between China-USA, […]
Hello Grasshoppa, Recently, I received an email from Citibank on my unclaimed money even though I have stopped subscribing to any of their services for a while now. This email surprised me, especially since I had already canceled my credit card 3 years ago with them. My first thought was that it was a scam […]
Hello Grasshoppa, Over the years, I have spent compulsively multiple times due to my poor financial judgment. Some of it cost lots of money & some of it not so much. With the accumulation of these spendings, the total amount may amount to a lot which could have been used to invest & perhaps earn […]
Hello Grasshoppa, Recently, Bank Negara announced the increment of the Overnight Policy Rate (OPR) by 25 basis points to 2.25%. This was an additional increment on top of their announcement in May 2022 from 2.00%. Since July 2020, our OPR was at 1.75% before it increased in the period of 2 months to 2.25%. The overall OPR […]
Hello Grasshoppa, It’s been a while since I last traveled for a vacation, especially with Covid-19. As of my writing, I am sipping my drink while enjoying such a nice view. For this trip, I am spending less than RM200 just by redeeming a trip using my AirAsia Points for both my flight & accommodation. […]
Hello Grasshoppa, EPF has recently announced a Special Withdrawal facility effective 1st April 2022. As of my writing, there are not many details announced yet on the procedure but members below age 55 can withdraw as low as RM50 & up to a maximum of RM10,000. Members are required to utilize their EPF Account 2 […]
