About Me
First things first. The name’s Nadlique, a 23-year-old (the blog was started when I was 21) student studying Accountancy. I was born in Kuala Lumpur, Malaysia and currently based in Australia, in the process of pursuing my tertiary education. I adore delving into topics that make me think outside the norm in order to better myself.
I am passionate of the idea of being financially free, thus the emergence of this blog. This blog will revolve around the topic of money, investing, equities, derivatives, and business, which are the essence of my journey towards financial freedom. However, my thoughts on other things such as life, philosophy, and politics will also be present. I will use this blog as a platform to record my thoughts for future references.
I don’t consider myself as an expert in investment and business, so don’t treat me like one. This blog is not meant to be a platform to teach or tell people what to do or what not to do but rather as a platform for me to share my journey. This blog is my journal. I’m not here to impose my idealism on others. At the same time, I don’t appreciate others trying to impose their idealism on me.
At the present moment, my “wealth creation” activities are spread between Australia and Malaysia. In Australia, I partake in activities such as share trading, share investment, derivatives trading, and business. In Malaysia on the other hand, I invest in unit trusts and properties. No doubt I still have a long way to go.
My other passions are the aviation industry, military, writing and golf. Would like to be a pilot one day. Always dreamed of being in the military. Still trying to break into the journalism world. Still working on my golf swings. :)
Oh, another thing. I love the field of photography as well. That explains the picture up above ;)
So, come on board and share my journey, for the destination is indeed a pleasant place to be. Please take note that I don’t appreciate any harsh words or smart-ass comments. If you don’t like what I write, click the ‘X’ button on the top right hand corner of your screen.
What is financial freedom?
My definition of Financial Freedom : Deriving passive income from your investments or business or both that exceed your total expenses.
As for me, I am working hard (well, I do like to think that I am somewhat working hard) to be financially free by 30 years old. I have adopted some high-risk strategies and some medium-risk strategies in my wealth-creating arsenal. Hopefully things will work out as planned.
Have a look at my entry on “What is Financial Freedom”
Disclaimer: Nadlique.com is not a licensed investment or financial advisor. Information has been assembled without regard to any particular person’s investment objectives, financial situation and particular needs because site visitors come from diverse backgrounds, with diverse objectives and financial situations. Information provided is of the nature of a general comment only and neither purports nor intends to be, specific trading advice. Information should not be considered as an offer or enticement to buy, sell or trade. This site and any sites linked to this site are not designed to replace your Licensed Financial Consultant or your Stockbroker. You should seek appropriate advice from your broker, or licensed investment or financial advisor, before taking any action. As I have discovered, direct investing in the Stock Market or investing in general can result in financial loss. The decision to trade and invest, and the methods are for the reader alone to decide.
Nadlique.com and its associates expressly disclaim all and any liability to any person, whether a reader or purchaser of any items available from this or linked sites or not, in respect of anything and of the consequences of anything done or omitted to be done by any such person in reliance, whether whole or partial, upon the whole or any part of the contents or information obtained. Nadlique.com and its associates will not accept liability for any loss, damage or expense incurred or suffered by you if you rely on any information provided in making investment decisions.
Filed under Uncategorized | Comments (55)55 Responses to “About Me”
Leave a Reply
sape nie ek? kenapa nadlique? memang nama nadlique ke?
Yup, nama Nadlique :)
asyik crita je …gambo x de ke
sorry…sorry maksud i…your picture
Hehe. Kamera tak jalan ;)
mmg la x jalan…camera x de kaki…1st time dpt u nye website (best giler), need to know more about u..
Sebenarnya, tak terbuka hati lagi nak post gambar sendiri kat blog :P
Tengoklah, kalau rajin, esok-esok I post la.
Hoho Nadlique. We have a same passion. I also target to have financial freedom in my life. Although i’m still 20 , but to me starting from at the early age is very.. Prevention is better than cure. Actually i also studying accountancy same with you. Haha everyday ‘work’ with figures.. Tapi satu sen pun xdapat.
Psst: really want to be friend with you. Feel free to msg with me using my e-mail.. Nice to be your friend!
Heya Mr Dino :)
It’s great to hear from somebody who has the same passion as mine.
Yup, I’ll e-mail you pretty soon.
hehehe..sajer nak join jg.im actualy actuarial science student.but im quite interested in investment n etc that related to money n wealth after i studied about it.i wish i can be the wealth advisor yang berjaya 1 day…:)
Sally,
Why not. Among the richest group of professionals are those involved in financial services sector
Welcome Sally! Actuarial science eh? Tough course that one. Where are you studying?
Yup Sally, there’s no reason why one can’t be a successful wealth advisor.
im studying at USIM.university Sains islam malaysia.quite tough la. im like crying every semesters.hehe.InsyaAllah,after i end my degree i’ll futher my study in financial math plak.
Hehe. Financial maths? If it was me, I highly doubt that I’ll be able to cope. The ironic thing is that even though I’m passionate about investment and other wealth-making related matters, my quantitative skills are pretty average. Haha.
See.Hehe.Math is my life.(terpaksa).huhu.We always playing with numbers.Thats why la.
Oh, how I despise maths. Haha.
No wonder…while im studying theory of interest and mathematical statistics, my lecturer said “accountant hates this messy calculation. They dislike mathematics”..huhuhu
hai…
i’m 29 year-old doctor and frankly speaking, i’m ashamed of my little knowledge in investment. Hope to learn from you.
Thank you
Welcome Nur Azian,
I hope I can share a thing or two with you. Do participate in discussions as well yeah? :D
dahsyatnya….i pun minat gak tp kena byk bljr lg sbb atill merangkak utk menambah ilmu n sharing is caring…hope u can share all ur info.thanks
I’ll try my best to share all my knowledge :)
Im glade to meet someone who have same mentality as me . But im not daring as you , yet .Im also 21 , i stared to think about wealth creation since in very young and start work towards it since 18 . I tried many ways , from mobile phone repairing business to insurance agent , and lately try to invest in share market , KLSE . But not daring enough . Almost buy a share , i retrieve last minute .
But i cant totally push my self towards my goal currently , because still in collage and not working . The money i invested all this time also come from my hurt keep saving and parents support. My friends go clubing , but i wont , i save , save and still saving , little bit by little bit . Im not a marketing person , but really eager to make fortunes .
This is good place to share my thoughts , wonderful blog for people like me , take care .
sy stuju ngn townguy.sy pun dah 21 tp x jadi sprt nadlique la tp ingin jadi cuma x tau cara.
I hope we can all share and pool our knowledge together :)
Salam nadlique .its me again.I’m proud that more young people are already thinking about investment, financial freedom etc. When i was your age, i never bother about all this but as life goes on… I’m going to be 40 next year,then only i realise that so many are already on their way to be financially free and as for my self it is suppose to be probably an early retirement.I hope to stop working and do things that i like by 2012..Insyaallah if my calculation is correct…
nadlique, i used to put your blog in my bookmark list. since i formatted my laptop and very busy with other things, then i forgot bout ur blog until one day i try to it find back again. at last, i found your blog back, get the link from faiz’s blog. he’s my schoolmate. anyway, like to read your blog. such a nice blog. congratz :)
Hi Nadlique,
I am really impressed with your blog which I stumbled across while doing research for an article I am writing.. I, too, share the same vision of becoming financially free within the next 10 years or so (I am 24 by the way).. I have only recently begun investing in the stock market a few months ago and will probably start investing in unit trusts soon as well..
I am also working in the Marketing Department of Public Mutual (Malaysia’s leading unit trust company) so I might know a thing or two about unit trust investments… I hope to be able to share as much knowledge as possible and help everyone here to achieve financial freedom.. =)
hi!
excited baca ur web. fantastic!! neway, can i get ur email add??
@huserk
Great to hear that you rediscovered me. :)
@yew jin
It’d be great if you could share your wisdom here so everybody can benefit :D
@anis
Thanks anis. Nak e-mail add? Boleh je. Tapi tak boleh publish kat sini. Cuba contact saya melalui “CONTACT ME” page tu. Nanti saya reply balik dgn e-mail address saya.
@fadz
I do hope more young folks start to care about their financial future as well and not leave it until it’s too late.
Anyway, good luck with your journey and I do hope you share your wisdom here as well yeah?
hi Nadlique,
finally i found someone has same age with me and same interest! just graduated from united states and now baru start working for like 1 month as chemical engineer. back in united states, i never realized how important money is! i mean like, i know la money is important but i never think it’s important to manage money wisely. kalau tk, sure dah invest kat US tau!
now after working, i just realized everything needs money!oh crap! tried to google about unit trust, fixed deposit and all that but somehow rasa left out. maybe they use terms yg i tk faham sgt. but your blog is GREAT tau! suitable for young people like me and who wants to learn about doubling money. keep up the good work!
i’m gonna use your blog as my guideline, to be financially free, YAY. right now i’m investing in asb loan and joining mlm. i hope these plans work. haha. psni dah ada capital, maybe i’ll start investing in unit trust kot..
thanks, and selamat hari raya. eh you australia kt mana eh? i have friends there.
Good intro to you. Now i understand you are in accountancy.
@smithveg
Yup, I am in accountancy. Though I am not INTO accountancy, if you know what I mean.
@nabs
Good to know that young folks are starting to care about their financial future :)
Thanks for the compliments. However, I do recommend for you to scout for some professional advice (i.e. experts). I am just like anybody else, still learning.
Selamat hari raya to you too :)
I’m in Brisbane. Kawan you kat mana?
Hi Nadlique..
Dont know whether you are a He or a She or a METRO..anyway we have a common 3 letter in our name namely QUE…not a kueh though.
If you are a 20 yr old she, a faster way to get financial freedom is …MARRY ME…he he he…high hopes
hi nadlique..i bump into ur site while searching for something useful for investing.. im 22 woman n knew nothing about financial and are keen to know more just dun have any referral. i want to invest in small portion. pls advise..
hi nadlique.. wow it’s quite amazing for a 21 years old young lady to write and blogging about financial freedom and other issues.. i really admire the way u write.. i feel like i’m too little compare to u although i’m 5 years older than u.. huhu..
hey
i have some personal questions regarding my current investments,can u reply me ur email id plz?its easier to email u..
Hi Nadlique, How are you? Hope all is well. I just want to ask you. For beginner worker like me, let say I’m 25 y.o n already work for 3 years. Until now I’ve see i can’t do so much on saving. Always end up with negative balance… hopeless hehehe. So could you give some advise, what i need to do step by step :)
Thank so much!
Hi there :)
I’m fine over here.
I guess it all depends on how much you earn and how much you spend. I can’t say much because I don’t know anything about your earnings and expenditures.
Just some general pointers >> avoid bad debts, avoid credit cards (unless you pay them in full every month), and establish side incomes (by working part-time, start a business, and etc.). Also, the need to cut down on luxuries is very important. It’s hard, but we got to make sacrifices some time eh?
salam and hi to all !
very lively and easy going blog, on a very hard and important topic ie financially independent!
I feel very old now as I’m 32, and had little time to learn on financial management…(alasan kerja and anak:))..
good work and keep it up nadlique!I am learning a lot from your blog..kalau I ada adik perempuan dah lama nak kenenkan dgn you..hehe…
saw that u wld like to fly airplanes. my brother (now 26 ) was studying engineering in france (JPA scholar), went back d/t frustation wt the exam system there, didnt get place for degree continuation, instead had to join UITM for predegree.
Frustated, applied MAS for pilot training,left UITM. NOw training to fly Airbus..
I guess it was all fated but he worked hard for those things he went through. YOu can still learn to fly , balik msia nanti p training, bayar sendiri!:) (since you’ve got your investments growing)..
take care there in brisbane
salam nadlique n all juz 1 2 share with anybuddy who r x yet bcum an investor..exactly! we must keep investing in unit trust if we really 1 2 b financial freedom s we xpect! NEVER EVER fear with d risk, when it cums to INVESTMENT…there will alwez b the risks.in unit trust..the risk is TIME.at least we must giv 3 to 5 years to give our money to work. N if u invest in term of CASH..plz note dat money is.. NO 1: u r NOT BORROW frm anybody specially bank NO 2 : Dont invest all ur money NO 3 : Dont invest d money u want 2 use in 1 to 2 yrs n if u r doing business…dun ever use rolling biz $.
remember dat 3 RULES. then …happy investing in unit trust!… :)
4 those who r very happy investing in ASB…plz re thinking bout it! previously b4 i personally invest in unit trust with private co. not under PNB…i really dun know dat even how much $ i put in every mth since 18 w/out fail…i can only buy at RM1…then…how cum my investment grow?…i TIADA peluang 2 buy at lower price even economic downturn…to maximise my units!!
juz imagine..i invest in ASB (fund?-tiada kepastian islamic, RM 5K at RM 1 i got 5000 units..while i invest in other mutual co… i invest RM 5K at RM 0.684 (ISLAMIC EQUITY FUND)…i got 7309.9415 units !!
YOU all bayangkan..when market rebounce back ill get more returns frm private mtl co. compared to ASB! which is different 2k plus! n more opportunity in my investment…if d price per unit go to at least RM 1 ! huhu…so so interesting! i always set in my mind by only investing in unit trust I CAN BE A MILLIONAIRE.. TAK PERCAYA? YOU MUst invest..then ull c d resultnnn n plz…get clear bout investment b4 u invest.if u x clear…ull c difficulties. plz get clear 1st.im 25 yrs old but i want to be like success people..this is d way..salam
hey nice blog. im currently doing ACCA. hope that our interest match (:
hye… i’m currently study in Actuarial Science in UiTM… i found your blog when i’m searching for information for my financial project which require us to create financial product… thanks for whatever you have in your blog coz they are all help me…
@fid
Hi Fid!
I dah ada yg berpunya, so, kalau you ada adik perempuan pun tak boleh kenankan. Hahaha.
Your brother is very fortunate to be able to embark on his flight training. It is in my opinion that being a pilot is the best job anyone could wish for. Provided you’re interested in aviation of course.
Memang I plan nak pergi training nanti. Tapi kosnya dlm RM270,000. Nak menunggu tu memang agak lama lah jugak. Sedih sungguh :(
@adiba
Hi Adiba!
Good to know that you’re doing your ACCA. How are you liking accountancy so far?
Personally, I just can’t wait to get out of university. Pretty much sick of not doing anything much. Anyway, talk to you soon.
@khairan
Hi Khairan,
So, what financial product did you come up with?
pakai tudung ke?
amin
Saper pakai tudung? Aku ke?
Tuhan tak mewajibkan aku pakai tudung, jadi aku tak pakai lah.
To alll the young guys out there who are working towards financial freedom, keep it up ! InsyaAllah.
Thanks zanli. InsyaAllah!
Hi nadlique, i’m from UTP, Perak. I just wanna know ur surname coz i want to put ur opinion in my paper work. So, i wanna do the text citation that require the author’s surname. Can i?
Hi Kucai,
You’re citing me in you work? I’m actually quite flattered to hear that. May I ask which post/entry are you referring to? Might be best if you could e-mail me through the “Contact Me” form. The link is at the top right hand corner.
Salam.
Stumbled upon your website while searching for past year ASB divident history. I visited the “Junebank” today to deposit my ASB and stoped over to say hello to long known “friend” that has been trying to get me into ASB loan for ages but never succeed. Now the bank is offering BLR-1.3% for the loan. Not bad if considering average of 7% returned + bonuses. BLR now is 5.5%. So yo can earn “atas angin” of 2.8%, he said.
To me its simple, the bank make the most money from a very2 low risk loan and the “friend” will be laughing with commission earned. I told him that, since the bank is not allowed to invest directly in ASB, they have to find a “smart partnership” with people like me to earn more. Anyway I’ve been thinking about financial freedom 20 years ago but I just learned that you need money to make money, and I mean big bucks, which I don’t have. I did invest PIEF using my EPF money, finally sold it off after 2 years due to too lazy to keep up on the changing price.
WOW..NICE BLOG, and good topics to boot.
maybe I’ll bookmark this blog and read it all the way.
BTW I’m 34, broke, and trying to get back things I’ve lost that once I have..
thanks.
G’day,
Stumbled upon your blog while searching for the ASB information. Good to see someone who is active in the market and maybe I can learn a few things from you. I’m a Malaysian myself, currently working in Sydney and have a great interest in equity market. Currently hold a some shares in a few companies, but nothing in managed funds. Interested to know more about opportunities in Malaysia, if you want to share.
cheers,
a very good luck to you..hope malaysia will have its own Warren Buffet…
im in accounting field too…we in a same age but im still a kuli..haha..will follow ya blog. all the best!
These personal financial books written by me in simple layman language are in Bahasa Malaysia. Perhaps they can be of help. Some are available for preview at Google Books
http://www.suntharasegar.com/buku/cara-beli-buku.html
Sunthara
http://www.suntharasegar.com
60178719444