Personal Financial Planning 2

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Personal Financial Planning

为何你应该像检查健康一样检查你的财富

在当今快节奏的人工智能世界中，许多人依赖银行、保险代理人，甚至是金融应用程序来告知他们的财务状况。但是，正如没有你诚实的投入和积极参与，医生无法完全了解你的健康状况一样，没有你持续的关注和评估，任何金融机构都无法完全掌握你的财务健康状况。正如我们定期进行体检以监测我们的身体健康一样，我们也应该定期进行“财富检查”以评估我们的财务健康状况。

MAY 4, 2025 / JASON KOEH

Why You Should Check Your Wealth Like You Check Your Health

In today’s fast-paced world, many people rely on banks, insurance agents, or even finance apps to tell them how they’re doing financially. But just as no doctor can know your full health status without your honest input and active participation, no financial institution can fully grasp your financial well-being without your own ongoing awareness and assessment. Just as we routinely go for medical check-ups to monitor our physical health, we should also perform regular “wealth check-ups” to evaluate our financial health.

MAY 4, 2025 / JASON KOEH

为什么定期审查您的保险合同至关重要：使保障与财务增长保持一致

定期审查您的保险单是财务规划的关键方面，它可以确保您的保障与您不断变化的财务状况保持一致。忽视这种做法可能会在索赔时导致意想不到的财务负担，因为许多保单持有人只有在为时已晚时才会发现保障方面的缺口。

FEBRUARY 27, 2025 / JASON KOEH

Why Reviewing Your Insurance Policy is Critical: Aligning Coverage with Financial Growth

Regularly reviewing your insurance policy is a critical aspect of financial planning, ensuring that your coverage aligns with your evolving financial situation. Neglecting this practice can lead to unexpected financial burdens during claim times, as many policyholders discover gaps in their coverage only when it’s too late.

FEBRUARY 27, 2025 / JASON KOEH

保险：抵御财务压力的盾牌——为何在艰难时期更需要它

保险不是一项支出，而是一项减轻风险的财务计划。然而，当面临现金流问题时，许多人犯了一个错误，那就是取消他们的保险单以减少开支。讽刺的是，财务紧张的时候，才是保险最为关键的时候。

FEBRUARY 20, 2025 / JASON KOEH

Insurance: The Shield Against Financial Stress—Why You Need It Most in Tough Times

Insurance is not an expense—it is a financial plan to mitigate risk. Yet, when faced with cash flow issues, many people make the mistake of cancelling their insurance policies to reduce expenses. Ironically, the time when finances are tight is when insurance is most crucial.

FEBRUARY 20, 2025 / JASON KOEH

马来西亚人寿保险保额指南：多少才足够？

在保险规划方面，许多马来西亚人都在纠结一个关键问题：保额多少才足够？答案并非一概而论，因为它取决于医疗费用、收入水平、财务责任和长期目标等因素

FEBRUARY 20, 2025 / JASON KOEH

How Much Sum Assured Is Enough? A Practical Guide for Malaysians

When it comes to insurance planning, many Malaysians struggle with one key question: How much coverage is enough? The answer isn’t one-size-fits-all, as it depends on factors such as medical costs, income level, financial responsibilities, and long-term goals.

FEBRUARY 20, 2025 / JASON KOEH

微观经济学如何影响财务成功

微观经济学研究个体和企业的决策行为，在塑造财务成功方面起着至关重要的作用。它探讨了消费者和企业如何分配资源、做出选择以及如何应对市场中的激励机制。通过理解微观经济学原理，个人和企业能够做出更好的财务决策，优化资源，从而实现长期的财务目标。

OCTOBER 14, 2024 / JASON KOEH

How Microeconomics Affects Financial Success

Microeconomics, the study of individual and firm decision-making, plays a crucial role in shaping financial success. It examines how consumers and businesses allocate resources, make choices, and respond to incentives within the market. By understanding microeconomic principles, individuals and businesses can make better financial decisions, optimize their resources, and achieve long-term financial goals.

OCTOBER 14, 2024 / JASON KOEH

理解四种收入象限：主动收入与被动收入

在当今快节奏的世界中，实现财务安全需要深入了解您的收入来源以及如何为长期建立可持续的财富。一个流行的框架来说明不同类型的收入是收入象限，它将收入来源分为四种类型：雇员 (E)、自营职业者 (S)、企业主 (B) 和投资者 (I)。这些象限还区分主动收入（您用时间换钱）和被动收入（钱为您工作）。让我们分解这一点并探索如何利用不同的收入来源来确保一个繁荣的未来。

OCTOBER 14, 2024 / JASON KOEH

Understanding the 4 Income Quadrants: Active vs. Passive Income

In today’s fast-paced world, achieving financial security requires a deep understanding of where your income comes from and how you can build sustainable wealth for the long term. One popular framework to illustrate different types of income is the Income Quadrant, which classifies income sources into four types: Employee (E), Self-Employed (S), Business Owner (B), and Investor (I). These quadrants also distinguish between active income (where you trade time for money) and passive income (where money works for you). Let’s break this down and explore how you can leverage different income sources to ensure a prosperous future.

OCTOBER 14, 2024 / JASON KOEH

年老时没有被动收入的风险

随着年龄的增长，我们的财务状况变得更加明显。虽然我们年轻时通常忙于积极工作以赚取收入，但总有一天我们会无法像以前那样投入大量时间和精力到工作中。在这样的情况下，许多人希望依靠被动收入——即不需要每天工作就能持续获得的收入，如投资回报、租金收入或业务利润。不幸的是，如果没有适当的规划，缺乏被动收入可能会导致老年人不得不降低他们的生活水平，甚至完全依赖于储蓄，直到储蓄耗尽。

我采访的超过 90% 的年轻毕业生都表示他们意识到未来没有被动收入来维持他们设想的生活方式的风险。然而，今天许多老年人仍然面临着这个严峻的现实，尽管他们有几十年的时间来解决这个问题。没有被动收入的风险尚未得到充分的风险管理，其后果是严重的。

OCTOBER 14, 2024 / JASON KOEH

The Risk of Not Having Passive Income in Old Age

As we age, the reality of our financial situation becomes more evident. While our younger years are often spent working actively to earn an income, the time will come when we may no longer be able to contribute as much time and energy to active employment. This natural progression is when many hope to rely on passive income—income that continues to come in without the need for daily work, such as investment returns, rental income, or business profits. Unfortunately, without proper planning, the absence of passive income can result in older individuals having to compromise their lifestyle, or worse, rely solely on their savings until they are depleted.

OCTOBER 14, 2024 / JASON KOEH

理解实际工资率及其对长期财务成功的影响

在当今快节奏的社会中，许多人专注于赚更多的钱和积累财富。然而，一个常常被忽视的重要概念是实际工资率，它是评估长期财务成功和财富创造的关键因素之一。大多数人熟悉的是名义工资，指的是不考虑通货膨胀的收入金额，而实际工资率则调整了通货膨胀，反映了收入的真实购买力。理解这一概念对于那些希望随着时间积累财富的人至关重要。

本文探讨了什么是实际工资率，它如何影响长期财务成功，以及如何通过理解它做出更好的财务决策，最终实现个人财富的创造。

OCTOBER 14, 2024 / JASON KOEH

Understanding the Real Wage Rate and Its Impact on Long-term Financial Success

In today’s fast-paced world, many people are focused on earning more money and accumulating wealth. However, one concept often overlooked is the real wage rate—a critical factor in assessing long-term financial success and wealth creation. While most are familiar with nominal wages, which represent the amount of money received before accounting for inflation, the real wage rate adjusts for inflation and reflects the true purchasing power of income. Understanding this concept is essential for individuals seeking to build wealth over time.

This article explores what the real wage rate is, how it affects long-term financial success, and how understanding it can lead to better financial decisions, ultimately contributing to personal wealth creation.

OCTOBER 14, 2024 / JASON KOEH

利用人工智能进行个人财务规划：一种面向未来的方法

在数字时代，个人财务规划已经超越了传统的模式。人工智能（AI）作为一种强大的工具，正在彻底改变个人管理财务和规划未来的方式。通过利用人工智能的能力，马来西亚人现在可以创建个性化的财务计划，与他们的理想生活方式和长期目标相一致。

本文深入探讨了人工智能在马来西亚个人财务规划中的变革潜力。它探讨了关键变量在提示人工智能算法中的重要性，展示了真实的案例研究，并强调了未来导向的财务规划方法的重要性。

SEPTEMBER 28, 2024 / JASON KOEH

Using AI for Your Personal Financial Plan: A Future-Focused Approach

Introduction and Background

In the digital age, personal finance has evolved beyond traditional methods. Artificial intelligence (AI) has emerged as a powerful tool, revolutionizing the way individuals manage their finances and plan for the future. By leveraging AI’s capabilities, Malaysians can now create personalized financial plans that align closely with their desired lifestyle and long-term goals.

This article delves into the transformative potential of AI in personal finance for Malaysians. It explores the importance of key variables in prompting AI algorithms, presents real-world case studies, and underscores the significance of a future-oriented approach to financial planning.

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