Money Tips V - Amazon S3

[Pages:98]Money Tips Volume 3

How to Invest Profitably, Save More Money and Retire Early in Malaysia, Even if You are in Heavy Debt Now

by KCLau

The electronic version of this book can be downloaded free of charge. Feel free to republish excerpts from this book, as long as you link back to for attribution. And it's also okay to share this ebook in its entirety with anyone you think might be interested. In fact, I'd be delighted. If you missed Volume 1, download it here:



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Published by KCLau Dot Com Sdn. Bhd. Email: book@ Website:

Copyright ? 2016 by KCLau

All rights reserved.

First Edition July 2016

The strategies outlined in this book may not be suitable for every individual, and are not guaranteed or warranted, whether expressed or implied, to produce any particular results. The advice, ideas and suggestions are written as a general guide and specific professional advice may be necessary.

No warranty (whether expressed or implied) is made with respect to the accuracy, adequacy, reliability, suitability, applicability or completeness of the information contained herein, and both the author and the publisher specifically disclaim any responsibility or liability for any damages, lost profits, losses or risks, whether personal or otherwise, which is incurred as a consequence, whether directly or indirectly, of the use and application of any contents of this book.



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A Note to the Reader Why Money Can't Solve Poverty? And What can?

The story of Bonnie and Clyde Why Money Can't Solve Poverty The ultimate solution is financial education The Tool and the User: Who is evil? The evil credit card He neglected his wife because of iPad A student asked for refund Why Some Worse Classmates are Wealthier Than You? Book worms are nerds Graduates has ego Were you at the top, or at the bottom? It Is No Longer Risky The risk of death The risk of being uncomfortable

Just do it! The Most Common Habit of Rich People

What is the common habit of the rich? Simply said, rich people love to learn. But I am not rich yet!

Why Not You Retire Now? Foresee what you will be doing when retired Have an annual sabbatical or mini retirement

Redefine Retirement: Lifestyle Design of the New Rich Making Money is Addictive What's retirement? Deferred Retirement versus MiniRetirement Income Relativity Use the shortest time to earn the income you need



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How to Achieve Financial Freedom Credit Cards: From Foes to Friends

How credit card works? Pros and Cons of using Credit Cards How credit card digs your debt hole

Buy now, pay later Cash advance has no interestfree period??!! Making minimum payment Snowball your credit card debt till the minimum payment is no longer affordable How to make money from your credit card Delaying big purchases until the statement date Convenience Credit Card statement help to track your expenses Zerointerest installment purchase plan Freebies, Goodies and reward points Always ask for annual fee exemption Always pay the full amount on time How to eliminate credit card debt Alternative financial resources that can help you eliminate your credit card debt Insurance cash value Home loan refinancing Micro loan from family, relatives and friends Conclusion 11 Tricks to Settle Your Credit Card Debt Earn More Money Turn Credit Card Debts into Term Loans Shred the plastic Use Debit Cards



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Overdraft (OD) "Relativesfinancing" Cut Expenses Pay more than the minimum payment required Balance Transfer Program Insurance policy loan Seek help from AKPK How Much Money Will You Likely Spend in a Lifetime? Childhood (age 024) Young Adulthood (age 2440) Midlife (age 4160) Elderhood (age 6180) Total Lifetime Expenses Save Money the Stupid Way

If you are stupid, follow these rules How to Save More Money?

Motivate your elephant early Pay yourself first Have an effective saving system How to Effectively Cut Your Expenses? Better to be pound wise, penny foolish Comparison shop on big item Have a criteria for shopping How Do You Cope with Inflation? Watch your personal inflation rate Invest in inflationproof assets Invest for cashflow, not capital gains What's your actual personal inflation rate? How to Pay Less Income Tax Legally? Strategies that don't require extra spending



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Strategies that DO require extra spending How to Make More Money?

Don't trade your time for money Add more value to others Learn to sell Are you Building Passive Income or Busy to Earn the Active one? So many ways to build passive income streams, what do you do? How many hours you spend everyday to build passive income? What Do You Buy with Your Savings? Saving money is not equal to accumulating wealth What do you buy with your savings? The purpose of purchase Two things to buy Buy Term and Invest the Difference Story about Jack and Mary What's Buy Term and Invest The Difference How do you do it in Malaysia? Term insurance or Investmentlinked? Pros and Cons of buying term and investing the difference How about Jack and Mary? Investing for Cashflow VS. Capital Gain Different style of investing (not for capital gain) Which investing style do you prefer? What is the Best Investment? Ask a Successful businessman Ask a Successful Architect



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Ask a CEO What is my best investment? What is the best investment for you? Who Else Wants to Invest for Sure Gain? Investing is not about money alone Never lose money Know your Best Investment How to Increase Your Rate of Return? Return rate doesn't matter when you are just starting up Higher return doesn't mean higher risk Return is not only in monetary form So, exactly how can you increase the rate of return? The Money is In The List



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