What Is A Dividend?

A dividend is a payment made by a company or corporation to its shareholders. When you buy stocks, it basically means that you “buy” a small slice of the company, including it’s profits which is paid in dividends. Most of the time, these dividend payouts are made in cash (cash dividends) but sometimes, companies may … Read more

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Irresponsible Spending

The last few years, I’ve been involved in helping one of my relatives with their spending habits outcomes. Damage? RM 100K+, consisting of: car loan RM 45,000+ credit card loans RM 39,000+ personal loan RM 28,000+ This is on top of their student (PTPTN) loan, daily spending etc. I can’t tell you how vicious is … Read more

The Opposite Of Irresponsible Spending Is Responsible Spending

I covered about irresponsible spending in this article, where I shared about how irresponsible spending leads to a very vicious cycle of debt and financial pain. I laid out the fundamentals of responsible spending in assets pay for liabilities, luxuries and lifestyle expenses. Let’s dive a bit deeper. Responsible spending, in my opinion, is about: being prudent … Read more