First and foremost, services have been long seen as different from physical goods. Quite often, services are easy to identify but difficult to define. In the earliest literature, ‘a good’ refer to a noun, while ‘service’ refer to a verb. This means goods are things while services are acts. Service can be categories into three …
Differences between Tangibles Goods and Intangibles (Financial) Services Read More »
We are still in the midst of the Covid-19 pandemic which shows no sign of abating. We need to stay until there are zero cases for some time. Even after 102 days of no cases, , New Zealand experienced another wave. As we consider staying at home and being safe, or carrying on with our …
The SC regularly receives complaints from the public on unlicensed entities operating illegally or fraudulently (unlicensed activity) targeting Malaysians and overseas investors. In 2018, a substantial ratio of complaints received by the SC were in relation to unlicensed activity (25%), and it is the largest number of complaints received by the SC. As for enquiries, …
Be Alert Against Unlicensed Capital Market Activities Read More »
Financial products are not something you really think about until you need them. It’s a little bit like buying the necessary tools only when the need arises. You open a savings account when you need to save or get a credit card when you decide to earn cashback. That said, just because this approach works …
The thing about accidents is that they are unexpected, unpredictable, and often can be financially draining. The consequences of an unfortunate accident can be dramatically life changing, not just for you but also for your family. Ask yourself: Will your death or disablement due to a serious accident leave your family in financial dire straits? …
The Securities Commission (SC) has identified seven operators, either individuals or companies, that the regulatory body has found to be offering investment advise without a license, to stop their activities. The SC said in a statement today said that it issued a ‘cease and desist’ order to these seven unlicensed operators as they were found to be …
These Investment Advisers Have Been Placed On SC’s Investor Alert List Read More »
You might not consider yourself a big spender but financial milestones like buying your first home, paying for university fees or even getting married are situations that most Malaysians will encounter in their lifetime. These expenses can easily burn an elephant size hole in your pocket. Big ticket purchases tend to scare us as the …
Every one of us make mistakes with money. We do not save enough or we spend too much on something silly. Sometimes, we sell our shares too soon or too late. It is likely that we would still be making money mistakes well into our 60’s. Here are the financial slip-ups to watch out for …
Imagine this scenario: you’ve been trying to apply for loans, but have been mysteriously rejected countless times. You’re close to giving up on borrowing money from banks because you have no idea what’s going on. If you’ve been following our content, you would have already recognised this scenario as someone who has a very low …
Getting the most out of the financial system requires understanding the concept of a credit score. Yet, it’s not something we usually think about. In fact, most Malaysians are unaware that there is a national credit rating system. That in mind, we will be providing an overview of the definition of a credit score and …
Everything You Need To Know About Your Credit Score Read More »
In short, the restriction bans mass gatherings and overseas travel. All educational institutions, businesses and premises will be closed – except those involved in essential services. If you have any questions about the restriction, the National Security Council has released a FAQ here.And, according to the federal gazette released on March 18, you are not allowed to go out (even …
Everything You Need To Know About COVID-19 In Malaysia Read More »
Becoming a mother is a huge life transformation. You may not only deal with physical and emotional changes, but financial ones too. So if you’re expecting your first child, it’s not unusual to experience a mix of excitement and dread! But don’t worry. In honour of Mother’s Day, we’re exploring how being a mother can …
How Does Being A Mother Affect Your Money Management? Read More »