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		<title>Moree Glory Casino: A Hidden Gem of Entertainment</title>
		<link>https://beahappymillionaire.com/moree-glory-casino-a-hidden-gem-of-entertainment/</link>
		
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		<pubDate>Tue, 11 Mar 2025 13:28:51 +0000</pubDate>
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					<description><![CDATA[<p>Stepping into Moree Glory Casino is like entering a world where high-energy excitement blends seamlessly with refined hospitality. Nestled in the vibrant heart of Moree, this casino offers a unique fusion of modern gaming, upscale amenities, and the warm, welcoming spirit of a community that truly values every guest. Whether you&#8217;re a seasoned high roller [&#8230;]</p>
<p>The post <a href="https://beahappymillionaire.com/moree-glory-casino-a-hidden-gem-of-entertainment/">Moree Glory Casino: A Hidden Gem of Entertainment</a> appeared first on <a href="https://beahappymillionaire.com">Be a Happy Millionaire</a>.</p>
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<p>Stepping into <a href="https://glorycasino-bangladesh.net/">Moree Glory Casino</a> is like entering a world where high-energy excitement blends seamlessly with refined hospitality. Nestled in the vibrant heart of Moree, this casino offers a unique fusion of modern gaming, upscale amenities, and the warm, welcoming spirit of a community that truly values every guest. Whether you&#8217;re a seasoned high roller or a newcomer looking for a thrilling night out, Moree Glory Casino promises an experience that goes well beyond your typical gaming venue.</p>



<h3 class="wp-block-heading">A Warm Welcome in Moree</h3>



<p>From the moment you cross the threshold, the inviting ambiance of Moree Glory Casino is palpable. Designed with an eye for both comfort and style, the interior is a blend of contemporary luxury and local character. The decor, inspired by the rich history and vibrant culture of Moree, sets the stage for an unforgettable experience. Guests are greeted by a team of dedicated professionals who are committed to ensuring that every visit feels special. Whether it’s the personalized welcome at the door or the attentive service throughout the night, every detail is thoughtfully considered to make you feel like a VIP.</p>



<h3 class="wp-block-heading">A Diverse Array of Gaming Options</h3>



<p>At the heart of Moree Glory Casino is its expansive gaming floor, where technology and tradition come together. The casino boasts an impressive selection of state-of-the-art slot machines, each offering unique themes and innovative gameplay features designed to captivate the player. Beyond the slots, traditional table games such as blackjack, poker, roulette, and baccarat await those looking for classic casino excitement. For players who thrive on the energy of live competition, Moree Glory Casino offers live dealer options, ensuring that the thrill of a real casino experience is never more than a few steps away.</p>



<p>The venue also features dedicated areas for sports betting and interactive gaming, catering to a diverse audience. Regular tournaments and special gaming events are hosted throughout the year, creating an environment where every visit brings the chance to win big or simply enjoy the camaraderie of fellow gaming enthusiasts.</p>



<h3 class="wp-block-heading">More Than Just a Casino</h3>



<p>Moree Glory Casino is not solely defined by its gaming prowess. It is a multi-faceted entertainment hub where culinary delights, live performances, and social events coalesce to create an immersive destination. The on-site restaurants provide a culinary journey that celebrates both local flavors and international cuisine. From gourmet dishes to casual bites, the dining options are designed to cater to every palate. Whether you&#8217;re savoring a multi-course meal or enjoying a quick snack between games, the food at Moree Glory Casino is as much a highlight as the gaming itself.</p>



<p>Entertainment is a cornerstone of the Moree Glory experience. Regular live performances—from musical acts and stand-up comedy to themed party nights—add a dynamic layer of excitement to the venue. These events, often held in dedicated performance spaces within the casino, create a vibrant atmosphere that keeps guests returning time and time again. Every event is an opportunity to mix, mingle, and make memories, ensuring that the casino is always buzzing with energy and anticipation.</p>



<h3 class="wp-block-heading">Luxurious Amenities and Guest-Centric Services</h3>



<p>Beyond gaming and dining, Moree Glory Casino offers a suite of luxurious amenities designed to cater to every need. The establishment boasts sophisticated lounges, private gaming rooms, and exclusive areas for high-stakes players, all crafted to provide a level of comfort that matches the thrill of the games. The ambiance is enhanced by modern technology, which is seamlessly integrated into every aspect of the casino’s operations—from automated check-ins to state-of-the-art security systems—ensuring a smooth and secure experience.</p>



<p>The commitment to guest satisfaction is evident in every corner of the casino. Staff are meticulously trained not only in the technical aspects of gaming but also in the art of hospitality. This means that whether you&#8217;re in need of a game recommendation, seeking advice on the best dining options, or simply looking for a friendly conversation, there’s always someone on hand ready to assist.</p>



<h3 class="wp-block-heading">Community Engagement and Local Influence</h3>



<p>Moree Glory Casino is deeply embedded in the local community, embracing its role as both a business and a community hub. The casino regularly partners with local businesses and cultural organizations, hosting events that celebrate the heritage and spirit of Moree. This close connection with the community not only enriches the guest experience but also fosters a sense of belonging among locals and visitors alike. It’s not uncommon to find community events, charity fundraisers, or local festivals taking place within or in collaboration with the casino, reinforcing its commitment to supporting and uplifting the region.</p>



<h3 class="wp-block-heading">Promotions, Loyalty Programs, and Exclusive Experiences</h3>



<p>For those who make Moree Glory Casino a regular destination, the array of promotions and loyalty programs is a testament to the establishment’s dedication to rewarding its guests. Seasonal promotions, exclusive tournaments, and a well-structured loyalty program ensure that every visit comes with added benefits. Members of the loyalty program enjoy perks ranging from complimentary meals and free spins on the gaming floor to personalized invitations to exclusive events. This focus on guest rewards and recognition has helped cement Moree Glory Casino as a favorite among those who seek not only the thrill of the game but also a community that values their patronage.</p>



<h3 class="wp-block-heading">Why Moree Glory Casino Should Be on Your Must-Visit List</h3>



<p>If you’re in search of a destination that offers more than just a place to gamble, Moree Glory Casino should be at the top of your list. Its seamless blend of modern gaming, luxurious amenities, fine dining, and vibrant entertainment creates an experience that is as enriching as it is exciting. Whether you’re planning a weekend getaway, a spontaneous night out, or a corporate event, the casino provides a versatile space that can be tailored to any occasion.</p>



<p>The strategic location of Moree Glory Casino also means that guests can easily explore the local area. With Moree’s scenic landscapes, historical landmarks, and a host of other attractions nearby, your visit can be extended into a full-day or even multi-day adventure, combining leisure, culture, and entertainment all in one.</p>



<h3 class="wp-block-heading">In Conclusion</h3>



<p>Moree Glory Casino is more than just a casino—it’s a destination where excitement meets elegance, and every detail is crafted to ensure that every guest leaves with lasting memories. The combination of high-end gaming, gourmet dining, live entertainment, and dedicated guest services creates an unparalleled experience that stands out in the competitive world of casino entertainment. Whether you are a local or a visitor, the allure of Moree Glory Casino is irresistible. So next time you find yourself in Moree, remember to step into a world where every spin, every card, and every moment is filled with the promise of glory and delight.</p>
<p>The post <a href="https://beahappymillionaire.com/moree-glory-casino-a-hidden-gem-of-entertainment/">Moree Glory Casino: A Hidden Gem of Entertainment</a> appeared first on <a href="https://beahappymillionaire.com">Be a Happy Millionaire</a>.</p>
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		<title>(SPONSOR) THINGS TO CONSIDER WHEN CHOOSING A BETTING WEBSITE</title>
		<link>https://beahappymillionaire.com/sponsor-things-to-consider-when-choosing-a-betting-website/</link>
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		<pubDate>Fri, 14 Apr 2023 10:08:55 +0000</pubDate>
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					<description><![CDATA[<p>The concept of betting is something familiar to several persons regardless of whether they are new or old players. Unlike the earlier days, the number of betting sites that exist are too many to count. It poses a huge discomfort for interested users to avoid playing on the wrong sites or sites unworthy of time [&#8230;]</p>
<p>The post <a href="https://beahappymillionaire.com/sponsor-things-to-consider-when-choosing-a-betting-website/">(SPONSOR) THINGS TO CONSIDER WHEN CHOOSING A BETTING WEBSITE</a> appeared first on <a href="https://beahappymillionaire.com">Be a Happy Millionaire</a>.</p>
]]></description>
										<content:encoded><![CDATA[
<p>The concept of betting is something familiar to several persons regardless of whether they are new or old players. Unlike the earlier days, the number of betting sites that exist are too many to count. It poses a huge discomfort for interested users to avoid playing on the wrong sites or sites unworthy of time and investment.</p>



<blockquote class="wp-block-quote is-layout-flow wp-block-quote-is-layout-flow">
<p>This material was prepared by <a href="https://onlinebettingsa.co.za/about-us/">our team</a> (OnlineBettingSA). Read more about how to choose a bookmaker on our website!</p>
<cite>Published with permission from <a href="/">beahappymillionaire.com</a></cite></blockquote>



<p>However, knowing the right site to pick is pretty easy when one knows what to be on the lookout for. Read on and find out the things your online betting platform should have:</p>



<h3 class="wp-block-heading"><strong>Reputation</strong><strong></strong></h3>



<p>You don’t need to sign up to know the&nbsp;<strong>reputation of any betting platform</strong>. You will always find reviews and opinions of their customers on the internet. Although the reviews cannot be all good, you will get a good sense of the general opinion of the masses.</p>



<p>If the negative remarks and reviews surpass the positive ones, you should avoid such platforms. You should also endeavor to check for licenses, previous sanctions, if any; such information will help you to know if the website is reputable.</p>



<p>It is important to note that before you join an online bookie, you check the legality of that betting site.&nbsp;<strong>They have to have a license from one of the provincial licensing boards otherwise they will be classed as an illegal betting site</strong>.</p>



<p>When you complete your registration at any legal betting site you will be required to submit your FICA documents for verification before you can withdraw any winnings. We can taken the time and researched all the South African bookies and found the 7 best bookies for you.</p>



<p>All these bookies are fully licensed and have a great reputation for fairness and honesty. You can read the full reviews on each of the bookies on this site.</p>



<p>If you have a complaint about a bet you must engage the bookmaker concerned. If the dispute could not be resolved you are entitled to formally lodge a dispute with the regulatory authority which is the Provincial Gambling Board in the Province where the bet was placed.</p>



<p>All bets placed with a bookmaker are subject to regulatory oversight by the Provincial Gambling Boards of which there are nine. Each Provincial Gambling Board legislates a set of Bookmaker Rules which serve as the minimum set of rules applicable to betting transactions. Each bookie is entitled to further determine additional rules, betting limits and general terms and conditions applicable to supplement the minimum rules. The additional rules must not be in conflict with the minimum rules.</p>



<p>These are the Provincial Gambling Boards that will investigate and adjudicate the dispute:</p>



<ul class="wp-block-list">
<li><a href="https://www.ggb.org.za/"><u>Gauteng Gambling Board</u></a></li>



<li><a href="https://www.wcgrb.co.za/"><u>Western Cape Gambling and Racing Board</u></a></li>



<li><a href="https://ecgb.org.za/"><u>Eastern Cape Gambling Board</u></a></li>



<li><a href="https://provincialgovernment.co.za/units/view/136/free-state/free-state-gambling-liquor-and-tourism-authority"><u>Free State Gambling Board</u></a></li>



<li><a href="https://www.wcgrb.co.za/"><u>Kwazulu Natal Gambling Board</u></a></li>



<li><a href="https://mer.org.za/live/gambling-license/"><u>Mpumalanga Gambling Board</u></a></li>



<li><a href="https://nwgb.co.za/"><u>North West Gambling Board</u></a></li>



<li><a href="https://lgb.org.za/"><u>Limpopo Gambling Board</u></a></li>



<li><a href="https://ncgb.co.za/contact-us/"><u>Northern Cape Gambling Board</u></a></li>
</ul>



<h3 class="wp-block-heading"><strong>Available Bonuses</strong><strong></strong></h3>



<p>When looking for top betting sites,&nbsp;<strong>you have to pay close attention to the types of bonuses</strong>&nbsp;available to both old and existing users. With the advent of many casinos, casino operators put in new bonus offers for users who play on the site. It is a means to ensure continued loyalty on the user’s part to the casino.</p>



<p>However, users must understand that certain casino sites hide vital information necessary for you to cash out. You can always find this information in the terms and conditions of such offers. It could be in wager requirements or a time frame attached to forfeiting the whole bonus.</p>



<p>It makes it imperative for persons to read the terms and conditions for each bonus before accepting them.</p>



<p>This competition has been great for players as they have a wide selection of the best sports betting apps and offers. But with so many leading online sports betting companies offering similar odds and markets, it can be difficult to choose where to bet. One of the deciding factors is often the available promotions and these are some of the different types of sports betting bonuses available to players.</p>



<h4 class="wp-block-heading"><strong>The Welcome bonus</strong><strong></strong></h4>



<p>Perhaps the most common sports betting bonus available to players today is the Welcome bonus followed by the risk free bet.&nbsp;</p>



<p>The Welcome bonus promotion is only available to new customers and is usually in the form of a percentage based on the first deposit.</p>



<p>For example, you may receive a 100% bonus up to the value of R1000 on your first deposit at the online bookie.</p>



<h4 class="wp-block-heading has-text-align-center"><strong>Risk Free Bet</strong><strong></strong></h4>



<p>Some online sports betting websites will even give your money back as a free bet, should your first bet lose.&nbsp;</p>



<p>This risk-free bet is the second most popular bonus available to players in South Africa, and some online sportsbooks offer risk-free bets as high as R500, with one bookie offering 2 risk free bets up to R1000.</p>



<h4 class="wp-block-heading has-text-align-center"><strong>Free Bets</strong><strong></strong></h4>



<p>Free bets is slightly different to a risk-free bet as it doesn’t require any wagering requirements, you just get a betting bonus to use as you want.</p>



<p>The free bet bonus is relatively low compared to bookies offering risk-free bets.</p>



<h4 class="wp-block-heading has-text-align-center"><strong>Birthday Bonus</strong><strong></strong></h4>



<p>Many bookies offer a deposit match on your birthday while others give you a free bet but these free bets are generally R50 with the highest birthday free bet being R100.&nbsp;</p>



<p>These are not the only bonuses offered by local bookies and if you read our reviews then you can find how each bookies rates on our list of bookies with the best bonuses.</p>



<h3 class="wp-block-heading"><strong>Multiplatform Availability</strong><strong></strong></h3>



<p>Gone are the days when online sports betting South Africa were limited to only web pages; now we have mobile and desktop applications.</p>



<p>Multiplatform availability comes in handy; you don’t have to stay glued to your computer screen all day long.</p>



<p>With your mobile phone, you can always play from anywhere and any time as long as you have internet access.</p>



<p>Before you sign up, check if they have a downloadable&nbsp;<a href="https://onlinebettingsa.co.za/betting-apps/"><u>betting app</u></a>&nbsp;with good features.If not, you should also access their website on a mobile device and make sure it has proper mobile optimization.</p>



<h3 class="wp-block-heading"><strong>Customer Service</strong><strong></strong></h3>



<p>One major turn-off to many bettors is poor customer service. Customer support is the best option whenever you face issues on the betting site.</p>



<p>When you have slow, unhelpful or no response at all, it is a big red flag for such a platform.</p>



<p>You need to be sure that they are available when you need them.</p>



<p>Modern betting sites South Africa now have live chat which is much faster than email or phone contact.</p>



<p>You should prioritise live chat over the others if you want speed.</p>



<h3 class="wp-block-heading"><strong>Sports Betting Markets</strong><strong></strong></h3>



<p>Football is undoubtedly the most popular sport to bet on in South Africa and naturally you would want to know if there is a particular bookie that has the best odds and promotions on football.</p>



<p>We will briefly compare two of the most popular bookies and their football offerings to punters.</p>



<p><strong>Let’s take a look at how World Sports Betting and Sunbet go head to head in terms of football betting.</strong></p>



<p>Both bookies have extensive betting markets available with football leagues from around the world extensively covered. They both also have an Odds Booster on all football multiple bets but WSB offers the better promotions on football especially when there are major tournaments coming up.</p>



<p>Before and during these events WSB always offers a bonus on all deposits while Sunbet very seldom have promotions for a specific football event.</p>



<p>Sunbet has a Match Tracker Feature for all live football matches while WSB goes one better and has a Live Streaming feature for selected football matches.</p>



<p>After careful consideration we will have to say that WSB is the best local bookie for football.</p>



<p>We have completed the comparison of two bookies for the most popular sport now&nbsp;<strong>we will compare to betting sites and their coverage of a less popular sport like basketball.</strong></p>



<p>Playabets and Gbets both cover basketball extensively but there is a clear winner when you compare these sites. Gbets has all the major European and American basketball leagues covered and so does Playabets.</p>



<p>One of the major differences though is that Playabets have the widest range of betting markets on a single basketball game while Gbets have limited markets available.</p>



<p>Another area that Playabets outshines Gbets is with their superb odds and this is what punters consider the most important factor when choosing a bookie.</p>



<p>Playabets offer extensive handicap betting on all basketball matches while Gbets does not offer this. We can confidently say that if you want to bet on basketball then Playabets is the bookie for you.</p>



<h3 class="wp-block-heading"><strong>Payments</strong><strong></strong></h3>



<p>Once you sign up with a bookie and you are ready to make your first deposit, the attention now turns to which method of payment you want to use to fund your account.</p>



<p>There are a multitude of payment options available to players. This method that you use is very important as some of them are not instant and you may have to wait as long as 24 hours before the funds reflect in your betting account.</p>



<p>One of the most popular ways to fund your account these days is the&nbsp;<strong>OZOW method as the funds instantly reflect in your betting balance.</strong></p>



<p>The Voucher method is also hugely popular as it is instant and you don’t need a bank account to use this method as vouchers can be purchased at any retail store.</p>



<h4 class="wp-block-heading"><strong>Withdrawals</strong><strong></strong></h4>



<p>There is nothing more frustrating for a punter than winning but not being able to have your cash straight away.</p>



<p>In recent times bookies have many options to withdraw your funds. Some bookies have retail shops all over the country where you can collect your winnings immediately up to R10 000.</p>



<p>They also do bank transfers into your account but the most impressive feature is the Instant cash or E-wallet as your funds become available within hours.</p>



<p><strong>You have to have your FICA documents (ID and Proof of Residence) verified before you make your first withdrawal.</strong></p>
<p>The post <a href="https://beahappymillionaire.com/sponsor-things-to-consider-when-choosing-a-betting-website/">(SPONSOR) THINGS TO CONSIDER WHEN CHOOSING A BETTING WEBSITE</a> appeared first on <a href="https://beahappymillionaire.com">Be a Happy Millionaire</a>.</p>
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		<title>Should You Buy Gold Now?</title>
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		<pubDate>Wed, 06 Jul 2022 14:28:50 +0000</pubDate>
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					<description><![CDATA[<p>Hmm, I see that the&#160;price of gold&#160;climbed back up in the past few days. It must have brought some welcome relief to a lot of people, especially those who had bought gold at a higher price. And especially those who had borrowed money to invest in gold (by pawning their other gold!). It must have [&#8230;]</p>
<p>The post <a href="https://beahappymillionaire.com/should-you-buy-gold-now/">Should You Buy Gold Now?</a> appeared first on <a href="https://beahappymillionaire.com">Be a Happy Millionaire</a>.</p>
]]></description>
										<content:encoded><![CDATA[
<p>Hmm, I see that the&nbsp;price of gold&nbsp;climbed back up in the past few days. It must have brought some welcome relief to a lot of people, especially those who had bought gold at a higher price. And especially those who had borrowed money to invest in gold (by pawning their other gold!). It must have been a pretty painful experience – to see the price dropping like a rock and having to pay the off the loan at the same time. (Hint:&nbsp;<em>don’t borrow money to invest in gold!</em>)</p>



<p>However, as the price has recovered, should you buy back into gold?</p>



<p>The answer is that it depends. If you are just buying a small amount, say 2 or 3 ounces, then I supposed you could go ahead and make the purchase. However, if you are buying a lot – anything over 10 ounces – then perhaps you should wait a little bit longer.</p>



<p>The reason is because the price is still below the 50-day moving average (it crossed the 10-day moving average 5 days ago). And until it does, there’s no telling exactly where the price will go in the near future. It may continue climbing (with some corrections) or it may turn back down.</p>



<p>This is why I am myself waiting a little bit longer before buying more gold. I would want to see a clearer picture of where the price is heading before I add to my collection.</p>



<p>In the meantime, it will do you a world of good to learn more about gold before investing in it. And with that in mind, check out my newest site&nbsp;RahsiaEmas. There are some free tips there that will help you in your quest.</p>



<p>May gold shine bright in your life.</p>
<p>The post <a href="https://beahappymillionaire.com/should-you-buy-gold-now/">Should You Buy Gold Now?</a> appeared first on <a href="https://beahappymillionaire.com">Be a Happy Millionaire</a>.</p>
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		<title>Only 2 More Days Left At Our Book Sale</title>
		<link>https://beahappymillionaire.com/only-2-more-days-left-at-our-book-sale/</link>
		
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		<pubDate>Wed, 06 Jul 2022 14:10:56 +0000</pubDate>
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					<description><![CDATA[<p>Our team at BookPlanet.com.my is busy fulfilling the book orders that are coming in fast. This is not surprising as the books are going at some serious discounts at our&#160;Ramadan Internet Sale. The sale period started on Monday and will last until Friday midnight, 2nd August 2013. So that means that you have&#160;only 2 more [&#8230;]</p>
<p>The post <a href="https://beahappymillionaire.com/only-2-more-days-left-at-our-book-sale/">Only 2 More Days Left At Our Book Sale</a> appeared first on <a href="https://beahappymillionaire.com">Be a Happy Millionaire</a>.</p>
]]></description>
										<content:encoded><![CDATA[
<p>Our team at BookPlanet.com.my is busy fulfilling the book orders that are coming in fast. This is not surprising as the books are going at some serious discounts at our&nbsp;Ramadan Internet Sale. The sale period started on Monday and will last until Friday midnight, 2nd August 2013.</p>



<p>So that means that you have&nbsp;only 2 more days left to grab the books.</p>



<p>On top of the discounts, you also have a chance of winning a RM400 discount voucher to attend our upcoming Investment Workshop. Furthermore, all orders above RM100 will be entitled to FREE postage and handling while all orders below RM100 will be charged a flat RM20 for postage and handling (both applicable to Malaysian addresses only).</p>



<p>Don’t miss out.&nbsp;Make your order NOW!</p>



<p><strong>Read More:</strong></p>



<ol class="wp-block-list"><li>The Ramadan Internet Sale Is On NOW</li><li>Get Ready For Our Ramadan Book Sales</li><li>Pre-KLIBF Internet Sale Is Coming Next Week</li><li>Pre-KLIBF Internet Sale Is On Right Now</li><li>Get My Books At A Discount</li></ol>
<p>The post <a href="https://beahappymillionaire.com/only-2-more-days-left-at-our-book-sale/">Only 2 More Days Left At Our Book Sale</a> appeared first on <a href="https://beahappymillionaire.com">Be a Happy Millionaire</a>.</p>
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		<title>Final Offer For A RM190,000 Condo</title>
		<link>https://beahappymillionaire.com/final-offer-for-a-rm190000-condo/</link>
		
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		<pubDate>Wed, 06 Jul 2022 14:08:32 +0000</pubDate>
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					<description><![CDATA[<p>This is the last and final offer for the RM230,000 condo in Selangor (bumiputra price is about RM190,000 only). In case you missed the news, I gave a talk on Property Investment last two weekends. The reason for the talk is to promote a brand new condominium in Selangor developed by a public-listed company. The [&#8230;]</p>
<p>The post <a href="https://beahappymillionaire.com/final-offer-for-a-rm190000-condo/">Final Offer For A RM190,000 Condo</a> appeared first on <a href="https://beahappymillionaire.com">Be a Happy Millionaire</a>.</p>
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<p>This is the last and final offer for the RM230,000 condo in Selangor (bumiputra price is about RM190,000 only).</p>



<p>In case you missed the news, I gave a talk on Property Investment last two weekends. The reason for the talk is to promote a brand new condominium in Selangor developed by a public-listed company.</p>



<p>The response from investors at the first two presentations was excellent. Well, it had to be excellent because we made a total purchase of RM16 million!</p>



<p>To give a chance for those who missed the earlier presentations, I will give a FINAL talk about the property on the following date:</p>



<p>Date:&nbsp;Sunday 4<sup>th</sup>&nbsp;Aug 2013<br>Time:&nbsp;9.45 am to 11.30 am<br>Venue:&nbsp;EQ Sales Office, Seri Kembangan<br>FEE:&nbsp;&nbsp;&nbsp;Free for first 30 seats and RM50 after that<br>Speakers:&nbsp;Azizi Ali and a seasoned Property Investor&nbsp;with tremendous experience and invested heavily into Apartments, Shops, Bungalow, Semi D, Land.</p>



<p>Details about the case study and property<br>RM230,000 per apartment<br>Walking distance to Jusco Mall<br>Walking to International School<br>5 Universities within 15 min<br>15 min to KLCC<br>40 min to KLIA<br>How to profit<br>Please bring your cheque book and documents to apply for a loan with you as this will be the selection day of the property itself.</p>



<p>NO walk-ins will be entertained. To ensure you get a&nbsp;COMPLIMENTARY&nbsp;seat, you&nbsp;MUST&nbsp;call Aimerul at 012-344 9414.</p>



<p>Make sure you do this today as this is the FINAL offer and seats are extremely limited.</p>
<p>The post <a href="https://beahappymillionaire.com/final-offer-for-a-rm190000-condo/">Final Offer For A RM190,000 Condo</a> appeared first on <a href="https://beahappymillionaire.com">Be a Happy Millionaire</a>.</p>
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		<title>Selamat Hari Raya Aidil Fitri</title>
		<link>https://beahappymillionaire.com/selamat-hari-raya-aidil-fitri/</link>
		
		<dc:creator><![CDATA[Admin0705-88-9]]></dc:creator>
		<pubDate>Wed, 06 Jul 2022 13:29:04 +0000</pubDate>
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		<guid isPermaLink="false">https://beahappymillionaire.com/?p=44</guid>

					<description><![CDATA[<p>Bagi pihak syarikat TrueWealth, saya dan keluarga serta krew kami, ingin mengucapkan Selamat Hari Raya Aidil Fitri kepada semua muslimin dan muslimat. Maaf zahir batin. Apa yang tersilap – kata dan perbuatan – kami minta maaf sepuluh jari. Our company will be closed from the 7th&#160;until Monday 12th&#160;August. So any orders will only be fulfilled [&#8230;]</p>
<p>The post <a href="https://beahappymillionaire.com/selamat-hari-raya-aidil-fitri/">Selamat Hari Raya Aidil Fitri</a> appeared first on <a href="https://beahappymillionaire.com">Be a Happy Millionaire</a>.</p>
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<p>Bagi pihak syarikat TrueWealth, saya dan keluarga serta krew kami, ingin mengucapkan Selamat Hari Raya Aidil Fitri kepada semua muslimin dan muslimat. Maaf zahir batin. Apa yang tersilap – kata dan perbuatan – kami minta maaf sepuluh jari.</p>



<p>Our company will be closed from the 7<sup>th</sup>&nbsp;until Monday 12<sup>th</sup>&nbsp;August. So any orders will only be fulfilled on the 13<sup>th</sup>&nbsp;onwards.</p>



<p>So brothers and sisters, have a great Raya and holiday.</p>



<p>Fly and drive safely!</p>
<p>The post <a href="https://beahappymillionaire.com/selamat-hari-raya-aidil-fitri/">Selamat Hari Raya Aidil Fitri</a> appeared first on <a href="https://beahappymillionaire.com">Be a Happy Millionaire</a>.</p>
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		<title>BNM Takes Action!</title>
		<link>https://beahappymillionaire.com/bnm-takes-action/</link>
		
		<dc:creator><![CDATA[Admin0705-88-9]]></dc:creator>
		<pubDate>Wed, 06 Jul 2022 13:18:55 +0000</pubDate>
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		<guid isPermaLink="false">https://beahappymillionaire.com/?p=34</guid>

					<description><![CDATA[<p>Bank Negara Malaysia announced three further measures to promote a sound and sustainable household sector on 5th&#160;July 2013. The measures are: Maximum tenure of 10 years for financing extended for personal use; Maximum tenure of 35 years for financing granted for the purchase of residential and non-residential properties; Prohibition on the offering of pre-approved personal [&#8230;]</p>
<p>The post <a href="https://beahappymillionaire.com/bnm-takes-action/">BNM Takes Action!</a> appeared first on <a href="https://beahappymillionaire.com">Be a Happy Millionaire</a>.</p>
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<p>Bank Negara Malaysia announced three further measures to promote a sound and sustainable household sector on 5<sup>th</sup>&nbsp;July 2013. The measures are:</p>



<ol class="wp-block-list"><li>Maximum tenure of 10 years for financing extended for personal use;</li><li>Maximum tenure of 35 years for financing granted for the purchase of residential and non-residential properties;</li><li>Prohibition on the offering of pre-approved personal financing products.</li></ol>



<p>These measures take effect immediately but will not affect applications made earlier.</p>



<p>I understand that some people will be affected by these curbs as it may dent their lifestyle a bit (or a lot!). However, I must say that it is indeed a timely move by BNM. The reason is because to allow household debt to continue rising would be the equivalent of holding a time bomb in your hands. It is a matter of time before everything gets blown to bits! This is further compounded by the fact that a lot of people are not handling their finances well. Their answer, sadly and tragically, often time is to take on more debt!</p>



<p>Actually, the purpose of the exercise is to put a brake on household debts which has increased at a strong pace, averaging at an annual rate of 12% over the past five years. While this has been supported by positive income and employment conditions, there has also been a growing trend in the offering of financial products that are not in the long-term interest of consumers. This includes extended financing tenures of up to 45 years for house financing and 25 years for personal financing. While this may reduce the monthly repayments, in the long run, this increases the overall debt burden of households. Such practices encourage excessive debt accumulation by households and increase the vulnerability of this sector, which is obviously not good for everyone.</p>



<p>My friends,&nbsp;borrowing money&nbsp;is easy. Any Tom, Dick, Harry and his neighbour will be more than happy to lend you money. However, don’t forget that you have to repay the loan back plus interest – a lot of interest. Often time, you will have to slog for the next 10, 15, 20 and even 30 years just to pay back the loan.</p>



<p>Isn’t that living like a slave?</p>
<p>The post <a href="https://beahappymillionaire.com/bnm-takes-action/">BNM Takes Action!</a> appeared first on <a href="https://beahappymillionaire.com">Be a Happy Millionaire</a>.</p>
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		<title>KLIBF INTERNET BOOK SALE…</title>
		<link>https://beahappymillionaire.com/insurance/klibf-internet-book-sale/</link>
		
		<dc:creator><![CDATA[Admin0705-88-9]]></dc:creator>
		<pubDate>Wed, 06 Jul 2022 12:35:12 +0000</pubDate>
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		<guid isPermaLink="false">https://beahappymillionaire.com/?p=32</guid>

					<description><![CDATA[<p>BERITA GEMBIRA Berita gembira! Sempena KL International Book Fair di PWTC, TrueWealth akan mengadakan pesta KLIBF INTERNET BOOK SALE. Jadi untuk 10 hari, buku-buku terpilih akan diberikan diskaun antara 30% sehingga 70% daripada harga runcit! Betul; sehingga 70% daripada harga runcit! KLIBF INTERNET BOOK SALE ini berlangsung dari jam 00.01 hari Selasa 2 Mei hingga [&#8230;]</p>
<p>The post <a href="https://beahappymillionaire.com/insurance/klibf-internet-book-sale/">KLIBF INTERNET BOOK SALE…</a> appeared first on <a href="https://beahappymillionaire.com">Be a Happy Millionaire</a>.</p>
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<p>BERITA GEMBIRA</p>



<p>Berita gembira! Sempena KL International Book Fair di PWTC, TrueWealth akan mengadakan pesta KLIBF INTERNET BOOK SALE.</p>



<p>Jadi untuk 10 hari, buku-buku terpilih akan diberikan diskaun antara 30% sehingga 70% daripada harga runcit! Betul; sehingga 70% daripada harga runcit!</p>



<p>KLIBF INTERNET BOOK SALE ini berlangsung dari jam 00.01 hari Selasa 2 Mei hingga jam 23.59 hari Khamis 11 Mei 2017.</p>



<p>Anda boleh membuat pembelian melalui webstore kami&nbsp;BookPlanet atau datang ke pejabat kami di Kelana Jaya, Selangor (Isnin – Jumaat; 9 pg-6 ptg).</p>



<p>Klik di sini dan buat pesanan anda segera BookPlanet</p>
<p>The post <a href="https://beahappymillionaire.com/insurance/klibf-internet-book-sale/">KLIBF INTERNET BOOK SALE…</a> appeared first on <a href="https://beahappymillionaire.com">Be a Happy Millionaire</a>.</p>
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		<title>The Truth About Financial Advisors</title>
		<link>https://beahappymillionaire.com/investing/the-truth-about-financial-advisors/</link>
		
		<dc:creator><![CDATA[Admin0705-88-9]]></dc:creator>
		<pubDate>Wed, 06 Jul 2022 12:15:24 +0000</pubDate>
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		<guid isPermaLink="false">https://beahappymillionaire.com/?p=27</guid>

					<description><![CDATA[<p>As I became better at handling money, I started to observe a recurring theme. Because the theme happened every so often, it could not be ignored any longer. And the theme is that much of the advice given by ‘financial experts’ are incorrect. Discounting the scammers and the charlatans (which exists in every industry), people [&#8230;]</p>
<p>The post <a href="https://beahappymillionaire.com/investing/the-truth-about-financial-advisors/">The Truth About Financial Advisors</a> appeared first on <a href="https://beahappymillionaire.com">Be a Happy Millionaire</a>.</p>
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<p>As I became better at handling money, I started to observe a recurring theme. Because the theme happened every so often, it could not be ignored any longer. And the theme is that much of the advice given by ‘financial experts’ are incorrect.</p>



<p>Discounting the scammers and the charlatans (which exists in every industry), people are losing money because of poor financial advice that came from people who are in the financial industries themselves: unit trust consultants, insurance agents, real estate agents, bank officers, remisiers, brokers, financial consultants, wealth advisors and even financial commentators. Now I have no doubt these folks meant no harm and gave the advice thinking it would help the investors. Sadly, the results were anything but good.</p>



<p>So, today I know different. I know that a significant number of the people who are dishing out financial advice are hardly equipped to do so. They are just hawking products. And even those who became successful financial advisors became so because they are good in&nbsp;<em>selling</em>, and not necessarily because of their&nbsp;<em>knowledge about</em>&nbsp;the product. In fact, often time, their knowledge on the subject matter is on the surface only. So, anyone following their advice runs the very real risk of losing money. But they are doing fine because they have perfected their selling skills.</p>



<h2 class="wp-block-heading"><strong><br>1. The average financial advisor is NOT an expert</strong></h2>



<p>One reason why this happens is because we think the financial advisor is an expert in money matters, just like a doctor is an expert in medicine and a pilot is an expert in aviation. So we refer to him and take his advice as the gospel truth. Hardly anyone question the advice. Unfortunately for us, the average financial advisor is hardly an expert at all.</p>



<p>In fact, if financial advisors were measured like how other professionals are measured (based on results), they would have been sacked a long time ago!</p>



<p>See, unlike many other professions, it does not take much to become a financial advisor (at least in Malaysia). For example, all you need to become an insurance agent is to read a couple of manuals, sit for an exam (and of course, pass it) and attend a couple of days training, and hey, you’re qualified to sell life insurance! Of course, the agent is not going to tell the prospect that he just became an agent last Thursday. Now while he may be able to explain&nbsp;<em>a little about life insurance</em>&nbsp;to the prospect, it is clear that his&nbsp;<em>advice on money matters</em>&nbsp;will be seriously distorted. Anyone following his advice may actually be worse off.</p>



<p>Though I’m using the example of an insurance agent here, ditto applies to unit trust consultant, general insurance agent, property negotiator and practically anyone who is involved in an advisory capacity in finance.</p>



<p>By the way, let me also make it clear that the financial advisors are not con artists or out to cheat or mislead you. They are honest, hardworking and decent people. However, nine out of ten do not realize that they are not qualified to give advice on money matters.&nbsp;<em>They don’t know that they don’t know a lot about money yet</em>. See, after the two days training and learning many useful money skills, some of them get very excited and think they have discovered the secrets to money. And so they want to save the rest of us! So they start dispensing their brand of money cures to their family, friends, neighbors and acquaintances. A few will be successful (because they are good in selling) while most others will surrender before the year is up.</p>



<p>Of course, there are charlatans as well – Bernard Madoff and Allen Stanford are just two of the more notorious ones. By the way, the losses incurred by investors in the Madoff scam alone ran over $50 billion! Incidentally, until he was exposed as a scam artist, not a single soul lost money investing with Madoff!</p>



<h2 class="wp-block-heading"><strong>2. The financial advisors are very good in selling</strong></h2>



<p>The second answer is that the financial advisors are very good in selling, which is different from being good in the subject matter. They have mastered the art of selling and have become master persuaders. They dress appropriately, look the part, say the right words and wonder of wonders, will even listen to us complain about our back problem and then brag about our smart children. It is little wonder that we will often part with our money even though our head tells us otherwise.</p>



<p>Don’t miss out the next post where I’ll be revealing&nbsp;why there are no neutral financial advisors.</p>
<p>The post <a href="https://beahappymillionaire.com/investing/the-truth-about-financial-advisors/">The Truth About Financial Advisors</a> appeared first on <a href="https://beahappymillionaire.com">Be a Happy Millionaire</a>.</p>
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		<title>When Should You Borrow Money</title>
		<link>https://beahappymillionaire.com/general/when-should-you-borrow-money/</link>
		
		<dc:creator><![CDATA[Admin0705-88-9]]></dc:creator>
		<pubDate>Wed, 06 Jul 2022 12:06:36 +0000</pubDate>
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					<description><![CDATA[<p>Quickly, what’s the easiest thing to do today (financially speaking)? If you answered ‘borrowing money’, then go to the front of the class because you are obviously a sharp student and a citizen of the world. Unlike those days when borrowing money was tough, today, everyone wants to lend you money. Banks, credit cards, cooperatives [&#8230;]</p>
<p>The post <a href="https://beahappymillionaire.com/general/when-should-you-borrow-money/">When Should You Borrow Money</a> appeared first on <a href="https://beahappymillionaire.com">Be a Happy Millionaire</a>.</p>
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<p>Quickly, what’s the easiest thing to do today (financially speaking)?</p>



<p>If you answered ‘borrowing money’, then go to the front of the class because you are obviously a sharp student and a citizen of the world.</p>



<p>Unlike those days when borrowing money was tough, today, everyone wants to lend you money. Banks, credit cards, cooperatives and of course, loan sharks – they all want to lend you money. So, they send in pamphlets, flyers, letters, e-mails and even pre-approved loans with attached cheques to you. All you need to do is say ‘yes’, sign the form and the money will be in your bank account in the blink of an eye.</p>



<p>So much so that I think the only qualification that one needs to borrow money today is to have a heart beat! Even people with bad credit report or are in the ‘black-list’ can still borrow money. Just log on to the websites of some cooperatives, and you will see that they proudly display that ‘people in the blacklist can apply.’ In short, if you are alive, then you can borrow!</p>



<p>So again, there are no shortages when it comes to people offering you money.</p>



<p>But should you take up the offer because it’s right in front of you? Should you grab it because it is there? After all, it is fast, easy and convenient. And most of all, it is m-o-n-e-y.</p>



<p>Now while there are a lot of fun things you can do with the money, being someone who wants to create a better financial life (why else would you be reading this blog?), the answer may be no. First, you are not going to borrow the money just so that you can blow it on some gadgets, trinkets or toys. (Those who plan to do so should be reading&nbsp;<em>Stuff</em>&nbsp;magazine instead!)</p>



<p><em>You are going to borrow only when you can generate more money with it</em>. In other words, you borrow only when the return from the investment you are going to make is higher than the interest charged for the loan. For example, the return is 10 percent and the interest is 6 percent.</p>



<p>Obviously, you would not do so when the situation is the other way around, i.e. when the return from the investment is lower than the interest charged for the loan. If you say that you cannot find an investment that gives a higher return than the interest charged, then the answer is not to borrow! Wait until you can find one that gives a higher return. I can assure you that there are plenty of good investments if you look hard enough.</p>



<p>But of course, life is not that straight forward. While the math says that you should borrow when the return on investment is 7.5 percent and the interest is 6.25 percent, what is missing from the equation is the risk involved. Now if both the return and interest are fixed, then it is not an issue, go ahead and borrow. However, often times, both are not fixed, which means they can go up or down. And life being what it is, it is the return that always drops and the interest that always rises!</p>



<p>This is why you should only borrow when the return exceeds the interest by at least 5 percent. For example, if the interest is 6 percent, the return must be 11 percent or higher. This way, you are building in a safety margin to cater the fluctuations of the rates.</p>



<p>You will no doubt realize that it is not so easy for the above situation to happen. It is rare for the return from an investment to exceed the loan interest by 5 percent. In fact, it is rare for most investments to give a consistent double figure return.</p>



<p>This is why&nbsp;<em>you should borrow money only on two occasions; (1) to buy properties, and (2) to expand your business</em>. Of course, provided that you have done your homework and know what you are doing. Buying the first property you see is a sure recipe for disaster.</p>



<p>This brings us to the most important point of them all – when you borrow money, don’t forget that you have to pay it back, plus interest! And let me further remind you that the people who lent you money do not have a sense of humour – they always want their money back! And some of them will take some extreme steps to get their money back.</p>



<p>So, to summarize, do your homework before borrowing money. If you cannot make more money with the borrowed money (while taking a reasonable risk), then do not borrow. Let the people who did not read this blog take all the risks instead!</p>
<p>The post <a href="https://beahappymillionaire.com/general/when-should-you-borrow-money/">When Should You Borrow Money</a> appeared first on <a href="https://beahappymillionaire.com">Be a Happy Millionaire</a>.</p>
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