Money Tips: An Interview with KCLau

A lot of people live stressful, miserable lives because they are poor at managing their money. Some of them may make a lot, but they have nothing to show for their effort.

I recently got to know Mr KCLau. He is a financial educator and author of several ebooks about managing our personal wealth. Among his books include Funny Munnee, Top Money Tips for Malaysians, Top 93 Personal Finance FAQs in Malaysia, Money Tips for Doctors, Teaching Your Kids About Money and Tip-tip Kewangan Untuk Rakyat Malaysia. KCLau also provide a number of courses on personal finance and conducts regular webinars.

I decided to do an interview with KCLau, so that his message of personal finance can reach more people. This interview is written in Penang Hokkien in Taiji Romanisation with audio on demand. Details of the romanisation system is provided in Penang Hokkien Made Easy and words may be referenced in the Penang Hokkien Dictionary.

KCLau

1. Mr KCLau, to3long3 kai1siau3 lu1 ka3ki3 hor33 wah1lang2 bat3.

Ti1 tua33ok1 wah1 thark3 aeronautical engineering. Wah4 pit1giap1 ti1 Universiti Teknologi Malaysia. Pit1giap1 liau4, wah1 uh33 sniau33 boek1 phak1 miu1zik4, a3si33 co1 financial planner, ka3 lang3 kuan1li4 ie1lang2-eh3 lui2. Au1boey4 wah1 la3sa1 ka3 lang3 kuan1li4 lui1 khah1 ho4.

2. An1cnua4 lu1 e33 uh33 cit1-leh1 heng1chu3 ka3 lang3 lui1-eh3 su33 ni4?

Wah1 khnua3, tha1na1 cin3 ce33 lang2-eh3 boon3tay2 si33 eng3goay33 be33hiau1 kuan1li4 lui1. Wah1 la3sa1, a33si33 lang3 khah1 gau3 kuan1li4 ie1lang2-eh3 lui1, cin3 ce33 cit1-leh1 boon3tay2 tok33 bo3 khee3 liau4.

Wah1 cu1i3, ta33-ta33 lang2 pun1 eng3kai1 e33hiau1 kuan1li4 lui1. Cit1leh1 si33 cit3-hang1 mi3knia3, wah4 pit1giap1-eh3 si2, wah1 pun1 ka3ki3 tiok3boek1 e33hiau4. Cin3 ce33 lang2 boh3 ceng3sin2 cit1-leh1 su33 kau3ka1 thai1 wna33. Sor1yee4, wah1 hi3bang33 wah1 e33 ka3 tiok3 ce33-ce33 lang2, yong33 blog, Facebook, ebook, webinar, online course, kah1 pa3-leh3 pan3huat3 gok3.

3. Lu4 co3-eh3 mi3knia3 boh3 siang33ka1 lu4 ti1 tua33ok1 thark1 eh2. Lu4 ti1 ta1lok1 ok1 cit1-leh1 mi3knia3 ka1liau4?

Wah4 thark1 cin3 ce33 chaek3. Wah1 toay3 seng3kong1 liau4-eh3 lang2 kong4-eh3 wa33. Ka3 lang2 lui1-eh3 su33 mm33si33 an1nae1 kan1tan1. Wah1 ka3ka3 pun1 tiok3boek1 kut1lat1 ok1. Ka1liau4 wah1 e33 ok1 ti1 cit1-leh1 hang3giap1, wah1 tok33 ok1 khi4 lai2. . Au1boey4 wah1 than3 wah1-eh3 boon3peng2 co1 Financial Planner. Cit1-leh1 tok33si33 wah1-eh3 le1sen1 kuan1li4 lui1 hor33 lang2.

Wah1 sia4 wah1-eh3 thau3 cit3-leh3 blog ti1 2006 ni2 cap3-jee33 guek1. Ti1 2008 ni2, wah1 chut3 wah1-eh3 te33-it1-pun4-eh3 chaek3, mia3 Top Money Tips for Malaysians. Heh1-leh1 si2 khi4 ba3lu1 lang4 khnua3 wah4 co1 gin3giap1-eh3 sai3hu33. Ciau1kong4, wah1-eh3 lor33 pun1 siang33ka1 wah1-eh3 peng3iu4 Azizi Ali eh2. Ie1 tok33si33 Malaysia-eh3 thau3 cit3-khien1 gin3giap1-eh3 sai3hu33. Ie1 chut3-eh3 chaek3, Millionaires Are From A Different Planet! co3 ie1 kau1giak3 chut1mia2. Cui33-cui33 lang2 boek1 chut1mia2 eng3kai1 chut1 chaek3. Chut1 chaek3 koay3-eh3 sai3hu33 tok33 khah1 khuai3 chut1mia2.

4. Lu1 uh33 ha1mik1 kien1gi33 hor33 jee33-cap3 hoay3, see1-cap3 hoay3 kah1 lark3-cap3 hoay3-eh3 lang2 boh2?

Ka1liau4 e33sai1 kong4, si33 boek1siang33-boek1siang33 lah4. Boh3 kong4 ha1mik1 tiam1sniah1 cun33liong33 siu1 te33-it1 cio4 30% lu3-eh3 lui1, ti1 ha1mik1 sor1cai3 e33 than3 lu4 koay3 10%-eh3 li33seik3. A33si33 lu1 e33hiau1 siu3lui1, e33hiau1 tau3cu1, lu1 tok33 ho1seh3 liau4.

5. Boh3 kong4 ka1liau1 lang2 than3 kuan2-eh3 sin3lo2. Lu1 uh33 ha1mik1 kien1gi33 hor33 kae3 sin3lo2-eh3 lang2 boh2?

Mm33thang3 mua1i3 ka1 lu1-eh3 kae3-eh3 sin3lo2. Te33-it1 yau1kin4-eh3 pan3huat3 than1lui1 si33 tiok3boek1 e33hiau4 an1cnua1 beh33 mi3knia3. I1su33, e33hiau1 co3 sales. Choay33 cit3-leh3 sales-eh3 kang4 - lu4 tok33 khah1 mae4 khi1seik3.

6. Lu1 uh33 sia4 koay3 ebooks boh? Kong4 hor33 wah1 thnia1 lah4, lu1 sia4-eh3 chaek3.

Mm33 si33 ka3nia33 ebooks, wah1 sia4 liau4 lark3-pun1 chaek3. Wah1-eh3 te33-it1 ba3lu1-eh3 chaek3 si33 uh33 seik3-eh3 comics ka3 lang2 lui1-eh3 su33. Wah1 pun1 uh33 chut3 cit3-pun1 free-eh3 ebook lu1 e33 khui1 ti1 cit1-peng2: https://kclau.com/lp/ebook. Wah4 hor33 chut3 cit1-pun1 ebook free eng3goay33 wah1 boek3 khah1 ce33 Malaysia-eh3 lang2 cai3chnae4 lui1-eh3 su2.

7. Lu1 uh33 cin3 ce33-leh1 course ka3 lang3 lui1-eh3 su33. Tok3 cit3-leh2 te33-it1 popular eh2?

Wah1 tong3kim1 uh33 cap3-kui1-leh3 online course ti1 bang33cam33. Lang3 tong3kim1 te33-it1 ai1 ok1-eh3 tok33 si33 an1cnua1 tau3cu1 ti1 ceng3kuan3 kah1 ti1 pang1tay33san4. Wah1 khnua3 cin3 ce33 lang2 ai1 khah1 gau3 tau3cu1.

8. Lu4 eng3-eh3 si2 su3kak1 co1 ha1mik1 mi3knia3?

Eng2-eh3 si2 wah1 su3kak1 phak1 piano kah1 cheeo1kua1. Lang3 kio33 wah4 co1 Karaoke-eh3 Ki1, eng3goay33 wah1 kae4 koay3 wah1 ai1 cheeo3-eh3 kua1. Ae3por3 si2 wah1 pun1 su3kak1 chit1tho3 nah3kiu2 kah1 ke1piak3 chu1pni1-eh3 gin1na4.

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