Should I work in Malaysia or Australia? (Should I call Australia or Malaysia as home?)
The dreaded moment will soon arrive. I’ll be graduating hopefully by the end of this year. Questions upon questions of what’s going to happen and what am I going to do arise.
Before, I was so certain of getting my Permanent Residency in Australia, setting up my abode over there, get a job/set up a business, then only come back to Malaysia. Now however, with all the mumbo-jumbo about the financial crisis and other what-not, I am now not so sure anymore.
Filed under Australia or Malaysia? | Comments (21)What do I think about Skim Simpanan Pendidikan Nasional (SSPN) by PTPTN?
Some info about Skim Simpanan Pendidikan Nasional (SSPN) is located here.
What do I think? Ummm, hard to say really. I think that it’s a product that could help a lot of Malaysians but on the other hand, I’m pretty skeptical. One major factor that is currently steering me away from SSPN is the dividend rate. The expected provision of 4% per annum just doesn’t cut it for me. You barely beat inflation with that. In fact, with the sort of inflation rates we’re seeing right now, matched with that sort of returns, the value of your money will erode. Of course you don’t see your money actually decreasing in amount but if the inflation is 6% and your return is 3%, then yes, the value will decline.
Filed under Children | Comment (0)Getting to know the person behind Nadlique’s Blog of Financial Freedom
A good friend of mine did a quiz and posted the results on his blog. I thought it was interesting and did the quiz as well. The quiz requires you to answer a number of questions and out comes a simple analysis about yourself.
Anyway, here’s one about myself:
Filed under Daily Thoughts/Observations | Comments (2)How to become very rich in Malaysia. Bagaimana untuk menjadi kaya di Malaysia.
Here’s an article that I came across a while back on The Star’s website.
Click on the link above and have a read. It’s an interesting article indeed.
Filed under Economic & Finance News | Comment (0)SSPN: Skim Simpananan Pendidikan Nasional by PTPTN
Here’s a hot product from Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN), the Skim Simpanan Pendidikan Nasional or in short, SSPN.
So, is it really worth it? A lot of people seems to like it. Now, let’s have a look.
Here are some of the features of Skim Simpanan Pendidikan Nasional (SSPN):
Filed under Children | Comment (1)Should we save our money or go on a spending spree in the current crisis?
What do we need to do in the economic crisis that we’re facing at the moment? A lot of people are advocating that we shouldn’t splurge and we should save our money for the future.
Is that notion correct?
Going back to economics 101, it’s actually the other way around. As we all know, negative Gross Domestic Product (GDP) growth equals a recession. To support GDP, one actually needs to spend his/her money. Only then you can fuel the economy. If we save, we’re only crippling the GDP.
During an out of control economic boom do we only start cutting down on our expenditure so as not to allow the inflation goes out of hand.
However, of course, things are not as simple as that. The emotional distress that a financial crisis gives you alone is enough to deter you from going out there and shop like there’s no tomorrow.
Also, one thing to remember, splurging helps the economy but will be bad for an individual’s nest egg. Agreed?
Please, my readers out there. Do participate in the discussion. What do you reckon? Should we spend or should we save?
P.S. If you ask me whether am I spending or saving, I’d say I’m saving my money. I’m pretty much scared shitless thinking about what’s going to happen to me after I graduate.
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Disclaimer: This article is not a specific nor general advice on managing or investing your money. This article does not constitute a recommendation nor does it take into account your investment objectives, financial situation nor particular needs.
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Maklumat tentang Askar Wataniah. Information about the Malaysia’s Territorial Army.
One thing I noticed is that it is so hard to get any information whatsoever about Malaysia’s Askar Wataniah from the web. There’s nothing much on the Ministry of Defence’s website as well.
Recently, I asked somebody who is already in the Askar Wataniah to provide me with some information about the organisation. If I’m not mistaken, she’s a Sergeant in the Askar Wataniah and according to her, she has recruited quite a few youths to join the organisation.
I’ve decided to publish the information that I received below so that it may be of use to others out there who are interested.
Filed under Current Affairs, Daily Thoughts/Observations | Comments (63)
