http://money.xblogger.net Guide To Financial Discipline Thu, 15 May 2008 06:05:16 +0000 http://backend.userland.com/rss092 en Your EPF account 2 can be used for property purchase either via a lump sum withdrawal or via monthly withdrawal for payments towards your mortgage. However, in view of the recent good dividend payments by EPF and cheap loans available, it makes more sense to keep your EPF intact. The dividend ... http://money.xblogger.net/index.php/2008/05/15/do-not-draw-down-your-epf-account-2-the-reason/ I always emphasise that it is important for a business person to have integrity. If you are going into a business where you need to play dirty, I rather make a quick exit and concentrate on other businesses where it would bring better margins and better playing field. In one of ... http://money.xblogger.net/index.php/2008/04/17/building-your-businesses-ensure-you-have-integrity/ A lot of people I know mixes emotion with their business decision. For example, "I don't like that person because he was nasty to me, so I will not transact any business with him anymore." One but too often seen in the real world. Does it matter if he is or ... http://money.xblogger.net/index.php/2008/03/29/dont-let-emotion-affect-your-business-decision-key-to-success/ How many of you might think that is possible? We all know now that annual fees can be easily waved from credit cards right? All you have to do is to call the call centre and threaten to cut up the card, they will immediately waive the fees. I know ... http://money.xblogger.net/index.php/2008/03/25/credit-cards-can-help-you-save-money/ I am sorry for not being able to update my blog for the last 6 weeks. It had been an amazing one and a half months partly because my home country, Malaysia is experiencing some exciting new chapters in her history. Okay back to the topic. I always promised readers that ... http://money.xblogger.net/index.php/2008/03/20/good-news-to-all-ye-faithful-readers-negotiate-further-drop-on-your-interest-rates/ This post is meant to highlight this unlucky blogger's excapade with Proton I-Shit-Care customer service. Kindly read Jennihsurf experience with her beloved Satria Neo before proceeding with this post. Rather than writing on the social aspect of the entire experience, I will concentrate on the business aspect of how Proton's authorised ... http://money.xblogger.net/index.php/2008/02/02/proton-fails-badly-in-this-customers-satisfaction/ Malaysian government would have thought 5.8% is good enough for the people but according to people on the street it is a stingy dividend in face of the coming election year. So what is your perspective? Frankly, personally for me 5.8% isn't bad though I must say 2007, Malaysia EPF should ... http://money.xblogger.net/index.php/2008/01/23/epf-pays-58-good-or-bad/ You must be wondering how I came about with the above title. It is actually a true story and yet one which is repeated in many places. You must be wondering, this guy is mad. Make so much but yet has so little. Let me tell you, their biggest mistake ... http://money.xblogger.net/index.php/2008/01/17/the-story-of-a-hawker-who-makes-more-than-rm10k-a-month-but-no-money/ It is always interesting to see the look of the credit card salesmen or salesladies when I ask for a credit limit of RM1,000 for my card. The minimum I had been told should be RM3,000. Frankly speaking, I have not personally apply for a credit card before and most ... http://money.xblogger.net/index.php/2007/12/27/credit-cards-how-much-credit-limit-should-you-apply-for/ Remember this article I wrote a while back? Well, after more than 1 year on the plan, I must say, I have converted many people into this plan. Especially those who are away from their loved ones and needed to be in constant contact. Since starting the plan, I have been based ... http://money.xblogger.net/index.php/2007/12/21/maxis-family-plus-plan-a-true-picture-after-one-year/