Myth of Credit Card Cash Rebate

I have been holding cash rebate credit card since 2008.  If you follow my blog closely, you should understand that I treat credit card as cash and cash rebate as a discount.  I believe it is essential for us to do so especially in the regime of high living cost we are experiencing now.

Investment Fund Allocation

For those who have basic understanding on financial planning should understand the importance of fund allocation.  Techinically speaking, fund allocation should be make according to your risk profile.  If you are a conservative investor, you might prefer to opt for more investment on bond-like investment as too much stock-like investment will create uneasy feeling.  Of course, for an agreesive investor, the scenario will be the other way round.

Are You Making Your Investment Decision Based On Opinions or Facts?

Every now and then, whenever there is an interview with an “expert” on stock investment, people likes to seek for his recommendation. The “expert” will then give his suggestion according to his understanding of macro and micro environment and provide his buy or sell advice accordingly.

I must admit that these “experts” are doing a great job on providing their views according to certain logic. However, what worrying me the most is that most people will tend to accept the advice or tips unconditionally without any validation which might lead to a disastrous ending.