Personal finance · Malaysia
Hi, I'm Joseph. Just a regular guy trying to make smarter money moves in Malaysia. Think of this blog as my open diary of financial experiments, from comparing credit cards to exploring ETFs. Let's figure this out together!
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The Hire Purchase (Amendment) Act 2026 has officially killed the classic Malaysian flat rate car loan. But does the new reducing balance method actually make borrowing cheaper? Here is a breakdown …
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Chasing tenants for rent every month using messy spreadsheets is a massive drain on time. That is why I built Ruma Pulse, a simple rent management app that automates reminders, tracks payments, and …
With the recent outbreak of the US-Iran war, global tariffs, and rising fears of dedollarization, it is easy to panic. Is it still safe to hold US-heavy index funds like the S&P 500 or VWRA? After …
