It’s that time of the year again for tax payors rushing to compile all the receipts and EA Forms, insurance receipts for declaration of tax purposes. Alamak, not enough to eat how to pay taxes? Full Article

Inflation is the biggest enemy even for those who do consistent savings. Inflation makes our money less value, we can buy less with RM7 today compared to 2 years ago. For example, you can get 2 meals (2 bowls of mee and drinks) with RM10 two years ago but today, you will need Full Article

Bio solids or sewage sludge are residue after treatment of waste water. It also includes organic matters, plant nutrients and inorganic compounds which are very valuable, and can be either liquid or solid form depending on the treatment process Why are we interested in Bio Solids, and how do we make use of  Full Article

It is very common for new sales people to undergo tough training from their respective companies and they will always be told that you can only get what you aim for if you are HUNGRY enough to get it. A painted hindsight gloves a chocolate past the hungry plastic. So how hungry are you for success or Full Article

During the old times when I was attending an insurance training, there was a session about our monthly income and expenditure. Without doubt, we are all very eager during that time of the month when we receive our monthly salary.  Why?  Maybe we saw a pair of beautiful shoes we want to buy, or most probably Full Article

A Trust is basically created to protect a nominee’s/beneficiary’s interests and is governed under the Trustee Act 1949 or the Insurance Act 1996.   A Trust can be created in these situations:- Trust Deed (or Living Trust) – where the Trust exists during the lifetime of the maker of the Trust.   A Living Trust takes immediate Full Article

It is very common now for people to buy properties being auctioned off by banks.  When a person buys a property and financed his purchase with a bank loan, all his rights and interests to the property will be assigned to the bank until the loan plus interests are fully paid off. What happens if that Full Article

Very often traders know that they need to avoid emotions while trading, that they have to stay calm at all times although “unfortunately”  traders are human beings and we are not emotionless robots. We read information and interpret these information to help us make trading decisions.  Extreme emotions usually come in when the trade Full Article