Restructure Your Loan - Save Interest

For mortgage loan or housing loan, it is commonly known as refinance.

Other loans like credit cards, personal loans, business now, we call it restructure.

Restructuring, the process of it, will take some works and some cost to it. But having said that, it will save you tons of $$$ in the long run.

If you need cut the 18%pa interest charge on your credit card outstandings or any other loans you are carrying, buzz me at 012-233 8525.

If you are a businessman, or know someone who need to look into restructuring loan or even get more funds to expand their business like the SME categories, please call me or email me at

Personal Finance Tips - Azizi Ali

The guru's tips is none other than Azizi Ali. Top 10 questions answered by him. Check it out here:-
What inspired you to write books and share your knowledge and experience? Noor Farah Hanim Mohd Suffian, Kuala Lumpur
I love to write, and have been writing since I was in primary school. When I decided to become an author, the obvious subject was something that I was equally good at – money. And so I wrote Millionaires are from a different planet. It was a total blast.

I’m touched to hear that my books have changed lives.
My life changed because of a book I read. So, being able to improve other people’s lives with my books really warms my heart.
What is the one thing that most often stands in the way of somebody becoming a millionaire? Teck Lee, Shah Alam
Many things stand in the way – lack of knowledge or desire, unwillingness to work hard or learn and an inclination to give up too easily, among others.
The wonderful thing is that all of the obstacles can be overcome. You can do anything you want and you can achieve anything you want. In case you have not realised it yet, there is no bumi quota when it comes to money. It is not easy to become a millionaire but it is not as hard as you think. Do the right things and the money will come.
You focus a lot on investing in properties. How have you done in other types of investments? R.S. Kumar, Banting

I have some investments in stocks that are being handled by a fund manager. He has fared pretty well in the past four years, especially when you consider that the market has dived in recent months.
I used to have some money in unit trusts but I sold all of them a couple of years ago. I was dismayed at the high fees charged by the unit trust companies and see no reason why I should be paying such high fees to get mediocre returns. The only money I have in unit trusts now are in the Permodalan Nasional Bhd (PNB)-run funds. I do not invest in futures, options, foreign exchange, gold, silver, commodities or anything that has the word “offshore” in it. I do not invest in them because I want to become rich, not poor.
Are your children good with money too? Karen Toh, Malacca
My wife and I do guide them about it. They are learning and getting better at it every single day. I’m sure they’ll do very well in the future.