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 … Read more
It’s become a habit for me to organize my wallet to decide which card to use when travelling abroad for maximized rewards and savings, so I thought why not make a post every time I do that, so this post is about me sharing what card I am using on travel based on the card … Read more
Introduction Last weekend a friend of mine share with me that he made some “good investment” from his “advisor” recommended mutual funds, he has been buying the Public Regional Sector Fund (PRSEC) from Public Mutual every month automatically for more than 10 years, and had made a cumulative profit of 44.46% with this investment. However, … Read more
Introduction My car insurance are expiring this week, as this is the second year of having my first car, I have no prior experience with car insurance products, this post is just me sharing the process of me choosing an insurance. The first year of my car insurance are included when I buy the car, … Read more
Introduction: Record High on Electrical Bill It’s getting hotter and hotter in Malaysia, the hot weather and humidity make us use air conditioner way more often, and as the consequence, our electricity bill has sky rocketed, and in last month our monthly electrical bill just hit a record high. Keep in mind our house also … Read more
Increased Spending Requirement to RM800 Less than a year since I made a review on UOB One Classic card and actually commended it as a great card for many regular spenders, they increased the spending threshold required for useful cashback rate. (Source: Updated Terms for UOB One Card) It went from spending RM500 to unlock … Read more
Introduction Moomoo Malaysia is a recently popular stock brokerage in Malaysia, it provide an access to local stock market as well as US stock market. Personally I rarely pay attention to smaller stock brokerage platform, this is because most of the time they can never compete with larger platforms on fees, order execution quality and … Read more
Property Investment Are Rarely Profitable in Malaysia There is a stage in our life where everyone around us seems to be talking about property investment, plan to make their first property purchase, or persuading their friends to buy a property because they are a property agent. I am not sure if this is a thing … Read more
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 … Read more
What Is Irish Domiciled ETFs Ireland-domiciled ETFs are exchange-traded funds legally established in Ireland but commonly listed on the London Stock Exchange (LSE), giving non-US citizens convenient access to US and global markets. They are structured under Ireland’s favorable regulatory framework and tax treaties, making them distinct from US-based ETFs, and in this post we … Read more