Exploring personal finance together, one topic at a time.
Unlock the secrets of air miles’ cash value and choose the right credit card for your travel needs. Calculate ROI for your air miles redemptions, explore top Malaysian credit cards, and learn how to maximize returns with promotional offers. Don’t miss out on potential savings for your next trip!
New Tariff Structure from July 2025 Tenaga Nasional Berhad (TNB) introduced a new tariff structure and claim it is more transparent and fairer to the user, there will be three components in your TNB bill. The energy charge will see a huge jump if you use above 1,500kWh on billing month, so it will either
Cost Matters in Investing Most people underperform the market average return because they overlooked their cost of investment, and it can hurt your portfolio return especially in the long term, the cost you saved can be invested and compounded. That is why every time when I talk about investing, I often talk about the total
Ryt Bank, backed by YTL and Sea Limited, is Malaysia’s newest digital bank with 4% savings interest, 1.2% overseas cashback, and a PayLater service. But most promos end by Nov 2025 — is it worth signing up now, or just another short-term campaign?
Why Get Credit Card For KrisFlyer Air Miles It’s been a while since I wrote a credit card review. I already have cards for Enrich miles and cashback, so this time let’s look at one that focuses on KrisFlyer. I had some KrisFlyer miles before, but since most of my destinations had direct flights with
What Is Maybank Global Access Account Maybank Global Access account is a new product offered by Maybank which is a multi currency saving account. It can be directly seen as a competitor to Wise. As of now it offers 18 different currencies that you can use with the account, it’s a relatively smaller number than
Requirement for Short Term Cash Parking Every few months I would sell some stocks from my brokerage account to cover my bills and some living expenses, since these are meant to cover bills for the coming few months, it would be losing out some opportunities if they are sitting in my low interest saving account.
What Is Balance Transfer Balance transfer is a services often come with your credit cards, and as the name suggest, it’s a service that transfer the outstanding balance from one credit card to the other. In most cases the balance will be converted into monthly installment. Many credit card holders overlook the balance transfer services
First Bill Under New Tariff There was some drama when TNB first introduced the new tariff. Many solar panel users, including myself, felt backstabbed by the government. However, they have since revised the tariff’s impact on NEM users. Now that my first TNB bill under the new tariff has arrived, let’s see if everything is
Benefits of Visa Infinite Credit Card Most people would think higher tier credit cards like Visa Infinite require high income and come with hefty annual fees, or annual fee waiver program that require to spend ridiculous amount, but there are Visa Infinite credit cards that are easy to apply and with no annual fees too!
Why Consider Diversify Globally? The global economic power are shifting rapidly, while US has been leading for many decades, we cannot dismiss the possibilities of other countries catching up, for example China GDP growth rate has generally outpaced US for the last two decades. Plus with recent tariff wars started by the Trump administration which
Revision to Alliance Bank Credit Card Benefits Alliance Bank made an announcement on 11th July 2025 regarding to their credit cards, specifically the Visa Platinum and Visa Infinite, so does it still worth keeping these two cards? To answer that we will look at what benefits have been removed and what’s added. No More 8X
10% Bonus Enrich Miles Conversion Campaign until 31 Aug 2025
Details: enrich.malaysiaairlines.com/enrich/promotions/bank-conversion/get-bonus-points.html?cid=edm|FEB25JOU|acc|e||pro|my|PDM814542||enrich|enr|con&bid=80165800
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About two weeks before the expiry of the RHB 0% balance transfer campaign, just applied another BT transfer, going to finish up all my quota before the campaign ends.
(P/s: You need to use desktop browser to find the Balance Transfer button in credit card page, I can't find it in app.)
Campaign Details: www.rhbgroup.com/btonline/index.html
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Enrich miles conversion bonus campaign on 15 Jul - 17 Jul, don't miss the opportunity if you have a lot of bank points!
Source: enrich.malaysiaairlines.com/enrich/promotions/bank-conversion/get-bonus-points.html
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