Malaysia banned the Rule of 78, and the Rule of 78 was never the expensive part
On Bank Negara's own worked example the Rule of 78 costs an early settler at most about RM632 on a RM100,000 loan. Readi...
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The South Asian number ladder that no two countries share
Lakh and crore are usually presented as one regional system continuing upward into arab and kharab. Take the ladder to f...
Why a Pay Rise Won't Grow Your Pension
The OECD says Thailand's pension replaces 41.5% of an average wage and 20.7% of twice that. Singapore falls from 57.6% t...
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Thailand Raised Your Social Security Deduction. It Also Raised Your Pension.
The wage ceiling had not moved since 1995. On 1 January 2026 it went from THB 15,000 to THB 17,500, and it is scheduled...
Vietnam Salary Deductions Explained (2026): New Tax Brackets, Insurance and Take-Home Pay
Your tax bill fell in January 2026, not July — on a ₫30,000,000 salary that is ₫450,000 a month. Seven brackets became f...
Philippine Salary Deductions Explained (2026): SSS, PhilHealth, Pag-IBIG and Tax
Your offer says ₱30,000 and your payslip says ₱26,542.45. Here is exactly where the rest goes — the three contributions...
What a Tuition Total Leaves Out
Our own calculator says a four-year degree costs $54,400, and discloses that it excludes fee changes between years. We m...
What Our Payslip Tool Will Not Tell You
Our payslip decoder describes 39 lines across Singapore, Malaysia and Indonesia and declines to give you a figure in 6 o...
What Actually Happens to Your Bonus
The tax on an extra $1,200 is identical whether it arrives as salary or as a bonus — we computed it at five salary level...
How to Compare Unit Prices When the Shelf Makes It Hard
The large pack is usually cheaper per unit, and checking is one division — but the shelf is arranged so you cannot do it...
Should I Pay Off My Loan Early? The Date Matters More Than the Amount
An extra payment does not buy a fixed amount of anything — what it buys depends almost entirely on when you make it. On...
Is Rent Really Dead Money? What a Lease Costs You
"Rent is dead money" ends most rent-versus-buy conversations before the arithmetic starts, because it sounds like an acc...
When Does an HDB Lease Start Affecting Your Loan?
Lease decay gets filed with rising sea levels — real, distant, somebody's problem eventually. But the rule that actually...
Cap Rate, BRRRR and Which Property Metrics Travel
Cap rate, cash-on-cash and net operating income are arithmetic — they work on any building in any currency. BRRRR is not...
Keeping Crypto Records You Can Actually File
IRAS publishes a list of eight things your crypto records should contain. An exchange CSV gives you four of them, and ge...
What a Car Actually Costs to Own in Malaysia and Singapore
A Singapore Category A COE closed at S$126,000 in July — roughly eight times the price of an entire new Perodua Myvi. Ro...
Living in One Country, Earning in Another
Singapore counts 183 days, Malaysia 182, Indonesia more than 183 — and all three count them over different windows, whic...
How to Read Your Payslip in Singapore, Malaysia and Indonesia
Every line on your payslip, what it actually is, who pays it, and which ones you can change. Including the Singapore ded...
What Changed in the Statutory Rates This Year
If you earn S$60,000 in Singapore, your tax bill this year is S$200 higher on identical income — and no rate changed, no...
P/E, PEG and DCF: Three Ways to Tell If a Stock Is Actually Cheap
A low share price is not a cheap stock. Here is what the P/E ratio, the PEG ratio, discounted cash flow and the dividend...
Option Greeks, Explained: Delta, Gamma, Theta and Vega Without the Jargon
An option's price moves for four reasons, and the Greeks are the dials that tell you how much it responds to each. A pla...
Coast FIRE: The Retirement Number Nobody Coined (2026)
The coast number is compound interest run backwards, and nobody can say who named it. The worked math, the nominal-vs-re...
The FIRE Number: The 25x Rule Neither Founding Paper Contains (2026)
25x appears in neither Bengen 1994 nor the Trinity study — it is 1 ÷ 4%. What the papers really tested, MMM's actual ass...
The 4% Rule: Where Retirement's Most Famous Number Comes From (2026)
What Bengen 1994 and the Trinity study actually tested, how the 4% rule gets misused, and why CPF LIFE and EPF change th...
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