Kijang Emas Gold Bullion Coins

One of the way to invest in gold is buying gold bullion coin. We can buy the Kijang Emas gold coins at designated Maybank branches.

The purchase and reselling price of Kijang Emas is determined by the prevailing international gold market price. The daily market price is posted on the BNM web site.

The Kijang Emas is minted by the Royal Mint of Malaysia and distributed by Maybank Berhad.

Malaysia is the 12th country in the world to issue its own gold bullion coin. The Kijang Emas now joins the ranks of other international gold bullion coins.

The daily selling and buying price of the Kijang Emas bullion coin can be tracked here:

BNM Kijang Emas Gold Bullion Coin Price

Gold breaking new high, yet again

Petrol subsidi rebate

Last Saturday 14 June was the first day the public of Malaysia can claim RM625 petrol rebate from post office nation wide.
To fasten the claim process, you are advised to download the form online, print it out and fill the form out before going to post office.



The form can be downloaded here.

http://www.pos.com.my/v1/PDF/borang2.pdf

sri pinang recreational park

IJM has built a new recreational park at sg pinang, penang. It has a very long walk way, very similar to Gurney Drive but it is much wider.
The development in this area, including the reclaimed land opposite Tesco is given to IJM by Penang government as IJM was chartered to build the Jelutong Expressway.
My wife and I visited this park last week and was delighted that Penangites have got a new place for recreation, jogging, cycling etc. I hope this place will be appreciated by the public and well maintained. It has some very nice sea view and penang bridge view.
It is getting more and more popular now as you can see a lot of people there in the evening.
People are there for jogging, cycling, flying kites, fishing, picnic etc....



The condo at the right of the photo, The Spring, was launched recently and it has received overwhelming response. It was priced from 230K and above. All the units expect bumi lots are all sold out during soft launch within few hours. Now some of the bulk purchasers are selling for ~50K more than the original selling price.


The 3 storey linked house in the picture was selling for about 750K. It has a "underground" garage that can fit 2 cars at the back of the house.

传统房屋贷款的谜思

随着时代和利率的转变，一些老一辈传下来的方法，效果可能已不在，可是在他们的时代可是正确的。

谜思1。申请房屋贷款时，期限越短越好，节省更多利息。

答：申请房屋贷款时，期限拉越长越好，即使是你有更快偿还完贷款的能力。期限拉越长，你每个月的最少偿还额就越少，这可避免经济陷入困境时，一时无法偿还最低偿还额。相反的，如果你守纪律，每个月多还几百元，把贷款提早还完也不是问题。

例子：贷款100千，利率7%，期限15年，每个月供900。期限30年，每个月供670。虽然知道自己有能力每个月供900，依然把期限拉到30年。如果立志15年供完，那么就每个月多供230，依然是15年就供完。好处是，万一有突发事件，急用钱，每个月只供670，也不会有事情。MRTA可以只做15年。把期限拉长，你没有任何损失。相反的，如果期限30年，每个月需供900。万一有突发事件，急用钱，拿不出900，可能你就会被警告，列入黑名单了。

谜思2。借越少钱越好。

答：以目前的贷款配套，如果BLR-1.5%的话，利息只有5.25%，事实上在市面上你应该找不到如此低的贷款利息了，除了教育贷款。股票融资，个人贷款，信用卡利息等等，利息都比5.25%高。相反的，比5.25%高回酬的投资，却不难找到。ASM有6-8%，Income Fund可能有7-8%，一些高股息公司，派息率也高过5.25%。或许明年的EPF派息也高过5.25%。纽西兰定期高过5.25%。因此，自认有投资能力者，应该借越多越好，可以借90%就借90%，就好像虎兄所说，要赚就让银行赚吧，如果你有把握从其它管道赚取更高回酬。