经济独立人人可行
文：黄凯顺 （MonQ 财商教育家）
一直以来我们都被许多外在不确实际的数据所蒙蔽，导致众人在盲目追逐数字的当儿，迷失了人生的意义，不明白财富的定义和经济独立的真谛。
然而如圣经马太福音道：人若赚得全世界，赔上自己的生命，有什么益处呢？人还能拿什么换生命呢？
When should you start your finance planning?
Many people who lament that it’s too late to start planning financially or too old to think about investments. Perhaps when they were younger, they were too busy with their lives to plan financially and now in their fifties or sixties, they wish they had done something to organise their financial lives. Their excuse now is that it is too late to do anything more.
Looking backwards will never get you to the finish line. Forget and forgive your past mistakes. If you believe you can start now, there are many areas for improvement in your financial life. For example, if you have a cash flow problem, find out what you can live without. Look through your monthly expenses as to what you can give up. Check your last credit card bill. Can you eat out one or two times less each week? Cut down on those expensive coffee or organic food. Do you really need a new car now? Are there assets you can sell which you no longer need?
If you have never really made your nest egg grow all these years, it is also never too late to create the retirement life you want. Take the first step to carve out a small portfolio that suits your lifestyle. Look through your previous investments have you been a short term trader and have not stayed the course on your investments? Can you turn short-term profits into longer term returns? Do you really need so much FD to accumulate as a private hobby? Have you been too conservative or too speculative in your money management? All these can be changed today.
The 1983 Bond movie Never Say Never really sums it all.The time for action is now. It is never too late to do something, especially when it comes to your finances.
善用EPF买房与供房贷
大多数大马受薪人士工作了几年后，已缴存或累积了一笔相当不错的存款在公积金户头里。
不过，一部分人可能对于如何使用雇员公积金（EPF）来购买房屋或缴付房屋贷款只有模糊的概念。
到底EPF有什么用途？公积金会员又能够如何使用公积金里的存款？
家庭理财5大“死穴”
随着物价持续上涨、货币贬值，家庭资产似乎日渐缩水，家庭理财开始为人们所重视。不过，很多人并不知道怎么家庭理财，犯下不少错误。理财师特此指出家庭理财中常见的5大“死穴”，有没有戳中你们的“痛点”呢？
Too Much Love For GUARANTEED Investments
Guaranteed investments aren't for everyone. We look into low returns and their other pitfalls.
