criminal record image of stacks of files
A criminal record is usually a mark of shame for any party. It could be due to a small lapse in judgment when they were young or a deliberate action. Regardless, having this record means one thing: a criminal act was committed and legal punishment were met. This article was […]

What’s the Price of a Criminal Record?


housing fund scheme image of a modern kitchen with TAP logo 4
So you’ve read my post about whether you should buy or rent your home and decided, “Hey, I want my own place! YOLO!” Next comes the part where you research more into buying a house. That’s when you realise that there’s a lot of money that has to go into this […]

Housing Fund Scheme to Achieve Your Dream House


bank accounts image of european central bank in frankfurt 2
A bank account is considered a necessity for our normal financial transactions. I’ve also talked about using separate bank accounts for your savings strategy a while ago. Sure, you can keep your hard earned money under your mattress or inside a biscuit tin. But if an unfortunate event were to […]

Brunei Bank Accounts Comparison: Savings and Current



JAPEM image of adult index finger touching child index finger
Every time I write an article, I make two simple assumptions: First is that You, my dear reader, understand English. And secondly, you are at a point of life where you can adequately support yourself financially. The biggest flaw of this assumption is also just as simple. That is not everyone […]

JAPEM – Assistance for the Less Fortunate


image of credit cards in the back pocket of denim jeans
Ah, credit cards. The symbol of wealth in movies, freedom in shopping and bringer of unimaginable debt. Exaggerations aside, credit cards are excellent financial tools if used correctly. There are usually many nice benefits attached to them as banks want to attract customers to sign up. This includes being able […]

Credit Cards – Tips for Effective Use


buying a house with lush green carpet grass
So you’ve done your homework and research and decided that buying a house is for you? Congratulations! Now you get to enjoy the ride starting with looking for a place up to furnishing it and moving in. This article will talk about buying a house to occupy as your residence […]

Buying a House in Brunei: Pleasures and Pains



home keys with a green house keychain
It goes without saying that a home is an important part of our lives. It is the place where we can feel at ease after a long day at work or school. Coming home and relaxing in an air-conditioned or fan-chilled room after a warm shower always sound great! In […]

Home in Brunei: Should You Buy or Rent?


Fake news headline with FAKE stamp on top.
Some of you might have seen a “CNN” article circulating on social media claiming that His Majesty the Sultan of Brunei is investing a significant amount in a “tech startup” called “The Bitcoin Code”. You might be wondering if the this was real or fake news. Extracted from the article […]

Fake News Alert: Sultan Investing in Bitcoin Code


man chase the money on a wheel
When you read articles and tips from successful people, one of their advice is usually “Don’t chase the money. Follow your passion and the money will follow!” Many times I, as a normal person without a million dollar enterprise, will scoff at these comments. “Easy for you to say, you’ve […]

Why You Should Chase the Money



contract bond image of a contract in padlock.
In my article last week, I talked about whether there was an intrinsic cost to education. Long story short, I think there is. I mentioned briefly that I had a contract bond to work for the Government similar to many other scholars. If I’m being honest, I have encountered many […]

Breaking Contract Bond: Is it Worth it?


education image of books strapped together held next to a person
When people talk about the cost or price of getting an education we always think in dollar terms of how much studying costs. School fees and tuition fees are what we think of. Many parents spare no expense with hopes and dreams for their kids to have a good education. […]

What’s the True Cost of Education?


stock market image of a girl and trendlines
Playing the Stock Market If you invested in the stock market in the past 10 years, your capital would have appreciated by over 200% if you bought Nestle shares. Comparing this with Forex, taking EURUSD as an example, if you were able to short it for the past 10 years, […]

Can You Make Money from The Stock Market?



money during celebrations image of fireworks in kuwait 2
Selamat Hari Raya Aidilfitri to all our Muslim readers! It is indeed a time for celebration for many who have once again gone through the fasting month of Ramadhan. Now it’s time to kick back and enjoy the festivities and be thankful that there is a 3-day public holiday since […]

7 Ways to Burn Your Money during Celebrations


Stocks in Brunei image of a trading screen with charts and prices
Recent news reported that our local bank Bank Islam Brunei Darussalam (BIBD) is planning an Initial Public Offering. Along with the fact that they gave high dividends last year, I think it’s a good time to talk about stocks. One of the ways we can generate wealth is through buying […]

Stocks in Brunei – What are they and How to ...


financing a car image of a blue ferrari on a race track
I have mentioned before that one of the reasons Bruneians go into debt is because of financing a car. Living in Brunei, a car is probably an absolute necessity due to overpriced taxis and unreliable public transportation. But while a car is necessary, it also serves another purpose for many; […]

Financing a Car You Deserve in Brunei



financial scams image of a mouse and keyboard with a "get me out of here" key
In recent years many of us in Brunei may have heard of or even been targets of financial scams. These scams commonly referred to as “Skim Cepat Kaya” or Get-Rich-Quick schemes are becoming more prevalent. But not all scams promise you great riches; they could simply trick you! It could […]

3 Types of Financial Scams You Should Know


haggling image of a bazaar with many lanterns hanging
In my previous post about saving money while traveling, readers wanted to know more about haggling. Not only is it a good way to get a bargain, it’s quite fun and pretty simple to do. There’s no science involved; only people skills and common sense! Haggling is a chance for us as buyers […]

5 Elements of the Art of Haggling


insurance image of a split lying matryoshka doll beside two standing ones
When someone mentions “insurance”, an image that comes to mind is this well dressed fellow who is annoyingly persistent and wouldn’t take “no” for an answer. It is not a fun subject to talk about and might not be an enviable job especially when compared to a cushy, super-secure job in the Bruneian […]

Insurance – How Much Does Your Life Cost?