Just a question..
Can we add our EPF money to sum up our net worth?

Bitcoin is not gambling lol…

It’s risky but definitely not gambling… you’re saying as if it’s buying an Amazon stock in 2000 is gambling.

Bitcoin is literally a technology, not some ponzi. It’s really not that difficult to understand.

There’s never a technology like bitcoin that transact money anywhere in the world without taking “few working days” like in the bank.

I notice many are claiming they are investing in properties but actually not, they are just adding more liabilities.

the correct way of investing in property is to utilize the bank leverage and get tenant to pay everything and get cashflow positive or at least breakeven after deduct everything.

the other way around is not correct investing way regardless ringgit is good currency or not.

if one is doing it correctly, with the same salary from job, he/she can keep buying new property every 6 months.

The idea is after 30+ years the property will fully be his/hers with only merely downpayment of the initial buying price. In fact, most correct cases the downpayment already gotten back from the positive cashflow generated over the years.

Don't get me wrong, I am not saying this way of investing is easy because one need huge network and knowledge as property transactions are not publicly free available.

Good for you.

For me, I won’t touch gold in one way or another. I don’t like the need to sell my investment to get return. I prefer I still own that investment and it will continuously give me return, like my cash flow positive properties, stock, businesses.

Whereas for flipping, I also enjoy trading stock and selling properties when the rental VS price return lowered below a threshold that I have set.

Gold for me is a hedging tool. Not for wealth growth but for wealth conservation.

Thanks! May I know where you hold your currency? I am looking into RHB Multicurrency Account & HSBC

But it does matter what car you drive when you get hit by a drunker driver tho. The driver who banged my car, my car only suffering minor damages (not even reaching the internal pillar frame), but his car, the car head was totally destroyed / kemek / squeezed until the car head is like non-existent, and the driver suffering bad injury on his head full with blood. Had a friend's kembara hitting a merce, the kembara's front part also destroyed badly while the mercedes was like intacted. Hopefully proton cars nowadays are better after took over by the China company. My boss owns a 4 wheel drive that cost over a million (the car's inner body is surrounded by very big and solid pillars frame), i am pretty sure he can survive 95% of accident unless being banged badly by those super big size transformer.

You guys all got high networth, invest in a good car, protect yourself and your love ones  :thumbsup: