Articles written by Chin M C

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About me - Chin M C

Hi , my name is Chin M C . I am married with three children . Malaysia is my home country.

I am a qualified accountant . Previous jobs held were Financial Analyst and Banker.

I have a passion to pass on what I know to others , I give guitar lessons and teach

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Religion & Spirituality > Christian Beliefs & Culture Could Christianity survive without the Bible?: 6 of 86

The very command from God the Father says that to have faith in Him we must hear the words of God. Faith comes only when we hear the truth and only truth alone and not the "untrue". Like a banker who feels so much of the real money , he can tell when a counterfeit lands on him. Where else can we hear his words ( the truth ) i... More..
Personal Finance > Credit Cards Should teens have credit cards?: 8 of 62

Financial skills are one of the more important aspects of life for teens. Robert Kiyosaki , the author of Rich Dad Poor Dad says that we should increase our " Financial Literacy ". If teens are given a chance to learn it early , they would be better disciplined financially when they are at their working age. Parents may not ... More..
Business > Business News & Issues Big blunders in business: How your business can learn from common mistakes: 4 of 21
Risk taking is what business is all about . Despite some entrepreneurs who can manage risk better than their counterparts , businesses do fail due to lack of foresight of the entrepreneurs about the direction of where the business are heading . Being able to anticipate and response to changing business environment is the key ... More..
Personal Finance > Mortgages & Home Loans Exposing the unscrupulous practices of the mortgage broker: 17 of 54
I once worked for a commercial bank with mortgage loan approving authority . About one month before I left the bank, a mortgage broker was introduced to me by our existing mortgage loan borrower . Not knowing that he had an unscrupulous past , he referred a small business owner to me for a mortgage loan.He had earlier markete... More..
Business > Business News & Issues Business: How to recognize the signs of fraud: 1 of 3
Prevention is better than cure, so the saying goes. Most employers have a system in place to prevent fraud. But how come frauds still do happen. Two things employers do discover in their investigation into fraud cases in their organizations. One, a weak internal security system, and two, the weakness of the human heart !Do no... More..
Business > Starting a Business Write a 10-step strategic plan in one day: 1 of 3

If we do not have a plan , we will end up going nowhere ! The very first thing to do before starting a project / business is to have a strategic plan .A plan must be SMART which stands for specific, measurable, achiveable, reasonable and time bound. I have heard one radio announcer who says that a plan should be SMARTER, the ... More..
Jobs & Careers > Resumes & Cover Letters 10 Ways to build a resume you are proud of: 16 of 46
A resume is an initial communication to get you short listed for a job interview. We will talk about in the following 10 talking points.1) What is a resume , what goes in it ?A resume is a document accompanying a letter of job application . It communicates who you are , what you have achieved personally , academically and pro... More..
Personal Finance > Personal Finance (Other) Financial trouble? How to raise cash quickly: 17 of 47
A good financial plan should include cash management, protection management, assets allocation management, tax management , retirement management and wealth distribution management. The comprehensive financial plan will safeguard you from falling into financial difficulties at every stage of your life. If you have been practi... More..
Personal Finance > Stock Market Beginner's guide to the stock market: 11 of 30
Novice investors should take baby steps when putting their hard earned money into the stock market . They must learn first before parting with their money . Then they may begin investing in small sums . This is where they pay close attention and learn to feel how the market behaves. Over a period of time , they will become co... More..
Personal Finance > Budgets & Saving Financial priorities during a job transition: Save money or pay off debt?: 5 of 12
The first thing you think of when you lost your job is money . You do not feel financially secure. However you will only feel confident when you have cash reserve of at least six months your living expenses amounting to US 18,000 .You keep your fingers crossed and hope that you will get a job within the next six months. Your ... More..