Financial Intelligence Talk at UTAR, PJ

Financial Intelligence Education Talk at University Tunku Abdul Rahman, Petaling Jaya Campus

From Expecting To Getting Pregnant, Then Shop For Baby Stuff, And Baby Is Born

Back in 2010, one late evening when I was about to take a shower after long day at work, I decided to try my luck and took out the cheap pregnancy kit. I didn’t expect much after trying for a period of time. 3 minutes later, I was stunk standing at the bathroom door. I was talking to myself: ‘Can that be true? It is a positive result!’ I ran down to the living room and told my husband the test result. We looked at each other for a while. Then we started jumping. Then I said ‘Hmm… Dear, to play safe. Let’s do another round of test tomorrow to be sure’.

Read more: From Expecting To Getting Pregnant, Then Shop For Baby Stuff, And Baby Is Born

Gold Investment

In the recent years, few major banks in Malaysia have launched the Gold Investment Account. These include Maybank, Public Bank, CIMB Bank, UOB Bank, and Citibank. For those of you who are new to this financial instrument, it may be an useful information to help you to understand more about gold investment for retail investor. 

Read more: Gold Investment

Personal Cash Flow Planner

In a survey carried out in 2011 in the United Kingdom by POET (Personal Budgets Outcomes Evaluation Tool), it is revealed that personal budget have a positive impact on people’s lives. Meaning they are supported with self-respect, and in control of their finances.

To prevent yourself from falling the trap of credit card debt or excessive spending, picking up the skill in managing your personal budget or personal cash flow will not only avoid from building up debt, but it also gives you an overview of your personal financial position – Where are you today? How you want to live your life? Save money to live you dream; save money for investment.

Read more: Personal Cash Flow Planner

Teach Your Child About Credit Card

One best way to learn about credit card is by someone else’s example to get an idea of how easy it is to accumulate credit card debt and how hard it can be to get out of debt making only minimum payments.

William uses credit card for petrol and on holiday. When he gets home, he finds out that the total of all of his charges comes to $3,500. If he is unable to pay off the entire balance in a single on-time payment, how long will it take William to pay off the entire balance if he only settle for 5% minimum payment of $175?

Read more: Teach Your Child About Credit Card