Conquer the Market with These 7 Effective Investment Tips

Hello Grasshoppa, If you aim to conquer the market & beat them in their own game you need to understand smart investing, calculated risks, and building long-term financial well-being. It sounds pretty easy when we factor these 3 simple understanding but the execution can be pretty challenging if you are not familiar with it. Don’t […]

Financial Pitfalls: Key Decisions to Avoid for a Secure Future

Hello Grasshoppa, In the complex world of personal finance, making the right decisions is crucial for long-term financial security. Unfortunately, certain common pitfalls can undermine even the best-laid financial plans. In this article, we’ll explore some critical financial decisions to avoid, helping you navigate the path to a more secure financial future. 1. Neglecting Emergency […]

Exploring New Horizons, Cultures, and BJJ Adventures

Hello Grasshoppa, One of my life goals is to travel the world and explore new countries. In 2023, I managed to visit two new countries, a departure from my usual travel routine of returning to Thailand annually for my comfort zone trip. Despite revisiting Thailand in 2023, I made a personal commitment to explore countries […]

8 Questions To Ask Yourself Before You Making A Purchase

Hello Grasshoppa, Many of us have a threshold for items we consider purchasing, whether they cost as little as RM100 or as much as RM100,000 for substantial investments like cars or houses. Typically, my minimum reconsideration threshold starts as low as RM100, and I grant myself up to 24 hours to contemplate the purchase. The […]

How To Prepare For Retrenchment

Hello Grasshoppa, For the past few months, we have seen many companies going through a job cut where many people are losing their jobs. To some long-serving employees, it can be a benefit for them as they can leave those jobs with a big fat compensation if they are getting paid fairly. That money can […]

How To Have A Good Credit Score

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 […]

Gearing Up Your Investment Towards Recession

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, […]

How Can Overnight Policy Rate (OPR) Affect Malaysians?

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 […]

The Journey Towards My Dream Home

Hello Grasshoppa, This post has been in my draft since January 2020. I started drafting this post to gradually track how much I have spent to get my house ready & as of April 2022, I am excited to announce that it has finally been completed. From the bedroom to a mini office area, a […]

How To Finally Get Out Of Debt After You’ve Tried EVERYTHING

Hello Grasshoppa, Do you ever dread paying your monthly credit card bills or other loans? I personally feel so even though I don’t have much debt aside from my house & car loan. I bought my second car in 2020 when my first car was in a condition where it was giving me multiple issues. When I […]