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A personal finance blog to discuss anything during the journey to become financially independent.

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Other Tags: Investment, Financial, Finance, Money, Bussiness

The ultimate free useful software reviews blog to track all kind of software related stuff.

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Other Tags: Freeware, Software, Utility, Tools, Download

This blog contains solely personal views from a free thinker perspective.

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Other Tags: Free Thinker, Philosophy, ChampDog, Religion, Universe

Latest Blog Posts

  • 2015 Expenses Update in Sydney
    on Feb 27, 2016 in Migration Tips Personal Finance
    Previously I posted "living expenses in Sydney for 2 adults" is around $54.7K might not be completely correct due 2 adults expenses only started actually in May. So, my 2015 expenses may be more accurate for 2 adults instead.My expenses in 2015 was $...
  • 2016 Resolutions and Review
    on Jan 7, 2016 in Miscellaneous Stuff
    Wow, time flies. I have migrated here in Australia for 2 years. It has been 2 years I don't have a resolution. Now I think it is time to start for 2016! Before that, let's do some reviews.What happened in 2013 & 2014?Still have a job luckily but...
  • How much you need to earn to own a house or unit in Australia?
    on Dec 15, 2015 in Real Estate
    This is how much you need to earn per year to survive in Australia! It is based on the current (Dec 2015) median price and of course this is just a guideline. City House Unit...
  • Citibank in Australia is NOT Good
    on Nov 29, 2015 in Migration Tips QVB
    When I first rented a first property here in Sydney, my rental agent surprised that I was using Citibank and he told me that usually local here don't use Citibank. At that I just listened and continued to use Citibank since it was my favorite bank bu...
  • Understand Excess Reduction in Car Rental
    on Aug 24, 2015 in Saving Tips Travel Experiences
    You may or may not know about this excess reduction in car rental every time when you are travelling. In fact, a lot of people misunderstand that this in an insurance and I'm confused myself too when first I started renting car here in Australia.In f...
  • Beware of Non-compete Clause in Your Offer Letter
    on Jul 24, 2015 in Careers/Employment
    This is something I learned lately while searching for a job especially for the job that posted by my company's competitor. So the conversation goes like that:HR: What is your limitation?Me: I don't have any limitation. I'm a full time perm...
  • Buying Electronic Items Saving Tip In Sydney
    on Jun 5, 2015 in Saving Tips
    I just learned this tip last month when buying TV in Sydney that we can actually get discount by showing the lowest price that you can find in internet. They will offer you at that lowest price or sometimes lower even though the item is already at of...
  • Where to Invest Property in Sydney?
    on Apr 18, 2015 in Investing Tips Real Estate
    If you ever want to invest or buy a property in Sydney (yeah, I know is expensive), one of the things you can look at is the "potential" of  that area. But how do we know where has the potential?This website has the answer: A Plan for Growing Sy...
  • Company Title - Is it different from Strata Title?
    on Feb 27, 2015 in Real Estate
    I came across this "Company Title" term when looking for a property in Australia particularly for apartment property. It seems like not all apartments are strata title, some of them are actually company title. What are the differences?Company Title v...
  • Living Expenses in Sydney For 2 Adults
    on Jan 2, 2015 in Migration Tips Personal Finance
    If you wonder how much living expenses in Sydney, this is the right place for you. I have started to track my expenses since January last year and I think it is good time now to share with you so you have general idea how much you need to prepare if...
  • Meld is as Good as Araxis Merge but Free
    on Dec 19, 2014 in File Utility
    Since I moved back my role to be a software engineer about a year ago, I have started back to use a visual diff and merge tool and I found this free tool called "Meld" . It does exactly Araxis Merge can do and yet it is FREE.In my very old post: Best...
  • Suburb Demographics for Immigrants in Australia
    on Dec 5, 2014 in Migration Tips Real Estate
    The first thing that we do on surveying a suburb in Australia is we always look at it's demographics.This website (i.e. Where Australia's Immigrants Were Born) is pretty cool that it basically list out the top 3 birthplaces for immigrants in all over...
  • What is Off The Plan Property?
    on Oct 18, 2014 in Real Estate
    This is a new term that I learn since landed here in Australia.Off the plan property basically means property that has not yet been constructed. So it also usually means, the property is directly sold from the developer. However this is not all the c...
  • How to Pass Driving Test in NSW or Australia?
    on Sep 27, 2014 in Migration Tips
    I got my NSW car license few months ago and I took the test twice. This is considered not bad already because I heard many usually fail couple of times. But having said so, I could have passed it the very first time if my first driving instructor did...
  • Attitude is Everything?
    on Sep 13, 2014 in Motivation Talk
    I read up some old emails and found this one is pretty useful. It says attitude is everything and in fact is 100% of life. You agree? They even have a mathematical formula to prove that!People also usually link this to 90/10 principle from the 7-habi...
  • Disable Antivirus in Android to Speed Up PerformanceI have been using Antivirus Security from AVG mobile for a while but I have decided to uninstall it for performance issue.It has been with me many years and never caught an virus. So I decided to remove it especially I have not simply installed new a...
  • Migrating to Australia Good Meh? by Ken Soong & Michael Soong
    on Jul 26, 2014 in Books Review Migration Tips
    This is the book the I picked up in MPH before I migrated to Australia last year. It is a very good book to read especially for those who are deciding or have already decided migrate to Australia.Since I"m here for > 6 months already, perhaps I ca...
  • Do Not Buy Studio Apartment in Australia
    on Jul 11, 2014 in Investing Tips Real Estate
    I almost wanted to buy a studio apartment in the city for my own stay and future investment few weeks ago but at the end, I didn't make it because the bank won't lend me money. This is not because of my credit record but it is simply a RULE. No wonde...
  • Don't Use Hot Water Directly from Water Tap
    on Jun 28, 2014 in Health Talk NSW
    This is just a short sharing on using the water tap for drinking that I found out recently.Although many developed countries can drink water directly from water tap, not many of us aware that it is not advisable to take the hot water directly from it...
  • Global Migration Review - Reliable Australia & New Zealand Agent in Malaysia
    on Jun 12, 2014 in Migration Tips
    Since I have moved to Australia, some of my friends ask me which agent to use and is the good one? I highly recommend this "Global Migration" agent that I used and you can visit their website here. Many of my friends who have already migrated us...