Travel

1. Airbnb

Link: hERE

Using the above link, you’ll receive RM165 off. Even if you’ve got an inactive account currently, it’s worth opening a new one for that RM165.

How I Use This:
I always use my American Express or BigPay cards when booking through Airbnb

Ever since Airbnb launched, I’ve all but stopped booking with other sites. Even for my hotel stays, I book through Airbnb. I’ve found tons of good deals on the site as I’m sure you will too.

Credit Cards

1. American Express (AMEX)

My Amex credit card is issued by Maybank. They offer a 5% cashback for weekend spending. I use it mainly for petrol and food as well as online purchases.

Amex by Maybank also rewards me with 5x Treatpoints whenever I spend. I use this religiously to accumulate and convert it for air miles.

E-Wallets

1. Big Pay

Link: hERE

Code: SPUXOYWAI5

You’ll get free RM10 once you activate your card. Thereafter, you earn AirAsia BIG points from topping up as well as for each transaction.

How I Use This:
I use Big Pay in tandem with a Maybank credit card and Boost.

First, I top up my Big Pay with my Maybank Mastercard. Earning me Maybank’s Treat Points as well as BIG points from Big Pay.

And if a merchant accepts Boost as payment, I reload my Boost with Big Pay. I get additional cashback from Boost.

2. Boost

Link: hERE

Code: leeo0lg

You’ll get up to RM5 cashback when you top up Boost for the first time. Thereafter, you earn cashback after each transaction by Shaking your phone.

How I Use This:
I use this together with Big Pay whenever possible. See above for the steps to maximum efficiency.

3. Grab Pay

Link: hERE

Code: Nil

How I Use This:
Grab Pay is the only e-wallet I know of that allows topping up with Amex cards. And I love Amex.

I top up with my Maybank American Express card on the weekend, earning me a 5% cashback as well as 5x TreatPoints. Boom!

Financial Products and Services

1. Funding Societies

Link: hERE

Code: j1mwa37p

You’ll receive RM50 when you invest your first RM1,000. That’s an instant 5% return.

How I Use This:
Funding Societies is a P2P loan financing platform. I’ve been earning annualized returns of up to 13% with them. 

Read more on it hERE.

2. Rakuten

Link: hERE

Code: 6ebFMSSTQU

Rakuten is the first brokerage in Malaysia that offers points for stock trading. You can redeem you RT points for AirAsia flight tickets, a Starbucks drink or fuel from Shell.

How I Use This:
Rakuten Trade offers Nominee Accounts instead of the traditional Direct CDS accounts.

Other brokerages generally charge a fee for corporate actions such as signing up for Dividend Reinvestment Plans but I’ve gotten confirmation from Rakuten that they will continue to provide the services free of charge.

On top of that, you get points for every trade you make. 

3. Stashaway

Link: hERE

Sign up with me and get a deduction on 50% fees for the first RM100,000 invested for 6 months.

More on Stashaway can be found in my article hERE.

Books

Booklist as recommended by me and some of our readers.

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All my books are now in one place. 🖤 #kindle #kindlepaperwhite #amazon #bookstagram #books #ebook #investing #justinbieber #buku

A post shared by DIVIDEND MAGIC (@dividendmagic) on Jan 31, 2019 at 2:23am PST

“The more that you read, the more things you will know. The more that you learn, the more places you’ll go.” – Dr. Seuss

These are all books that I’ve read and found extremely useful and motivating in my path to Financial Independence.

I’ve posted the links as e-book and Kindle versions. If you’ve not got a kindle, I highly suggest getting one because getting your reading materials there is way cheaper compared to conventional books.

If you have any other suggestions do leave a comment here. Your contributions are highly appreciated.

Frugality and Philosophy

• The Millionaire Next Door
• The Millionaire Mind
• The Richest Man in Babylon
• Your Money or Your Life
• Work Less, Live More

Investing

• A Random Walk Down Wallstreet
• The Four Pillars of Investing
• The Intelligent Investor
• Security Analysis
• Value Averaging: The Safest and Easy Strategy for Higher Investment Returns
• Master the Game by Tony Robbins
• The Smartest Investment Book You’ll Ever Read
• Snowball
• The Making of an American Capitalist
• Berkshire Hathaway Annual Letters
• More Money Than God
• Liar’s Poker
• Flash Boys
• You Can Be a Stock Market Genius

Others

• The Virgin Way
• Think and Grow Rich
• How to Win Friends & Influence People
• Rich Dad Poor Dad
• Rich Dad’s Guide to Investing
• The 7 Habits of Highly Effective People
• Good to Great
• The Alchemist
• Early Retirement Extreme

End.