Real Numbers — KL Property Finance by @k3vrealestate

Kevin Teh of @k3vrealestate
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Malaysian property and personal finance — with real, verified numbers. Hosted by Kevin Teh, a financial products investor and a real estate negotiator based in Mont Kiara, KL. New episode every week.

  1. 1d ago

    Budget 2027 for Carers: Parents' Care Relief and the Care-Home Tax Cut

    Looking after Mum and Dad? Budget 2027 has two proposals for carers. Kevin explains what the RM8,000 parents' care relief covers today, what Budget 2027 proposes from YA2027, and the elderly care service tax change from 1 January 2027. In this episode: What the RM8,000 parents' care relief covers todayThe YA2027 proposal: all care types, no doctor's certificationWhat the relief is worth at 18% and 24%Elderly care service tax from 1 January 2027: 8% to 6%, fees up to RM96,000 exempt at registered centresWho handles the care bills in your family? More Real Numbers every week on Instagram: @k3vrealestate This content is for educational and informational purposes only. It does not constitute financial, investment, legal or tax advice. Please consult a licensed professional before making any financial decisions. Send us Fan Mail

    Budget 2027 for Carers: Parents' Care Relief and the Care-Home Tax Cut

  2. 2d ago

    What a Real Financial Planner Must Do: The FPAM 6-Step Process

    A 40-minute meeting that ends with a policy to sign is not a financial plan. The Financial Planning Association of Malaysia (FPAM) sets out a six-step process its certified planners are expected to follow. Kevin walks through each step, and the question that tells a plan from a pitch. In this episode: Steps 1 and 2: the relationship and your full dataStep 3: analysing your real situationStep 4: recommendations, not productsSteps 5 and 6: implementation and monitoringHas anyone ever done steps 1 to 3 with you before recommending something? More Real Numbers every week on Instagram: @k3vrealestate This content is for educational and informational purposes only. It does not constitute financial, investment, legal or tax advice. Please consult a licensed professional before making any financial decisions. Send us Fan Mail

    What a Real Financial Planner Must Do: The FPAM 6-Step Process

  3. 2d ago

    First Home Stamp Duty 2027: Why Your SPA Date Matters

    Your SPA date could change the stamp duty on your first home. Kevin explains how transfer stamp duty is worked out in slices, today's first-home exemption up to RM500,000, and Budget 2027's proposed band up to RM750,000 for SPAs signed from 1 January 2027. Proposed until the exemption order is published. In this episode: How transfer stamp duty is worked out in slicesToday's first-home exemption up to RM500,000The proposed band up to RM750,000 for SPAs from 1 January 2027Worked examples at RM600,000 and RM750,000, and the cliff above RM750,000When are you planning to sign your SPA? More Real Numbers every week on Instagram: @k3vrealestate This content is for educational and informational purposes only. It does not constitute financial, investment, legal or tax advice. Please consult a licensed professional before making any financial decisions. Send us Fan Mail

    First Home Stamp Duty 2027: Why Your SPA Date Matters

  4. 3d ago

    Rent vs Buy in Bangsar Baru: 24 Real Years, No Right Answer

    What did RM124,000 really cost someone in 2001? Not what it earned them, what it cost them, because whichever way they used it, they gave something up. Kevin compares renting and buying in Bangsar Baru over 24 years and explains why the right answer depends on what you do with the difference. In this episode: The real cost of each choiceWhat the buyer gave up, and what the renter gave upWhy discipline matters more than the decisionHow to think about rent vs buy for yourselfRent or buy: which did you choose, and why? More Real Numbers every week on Instagram: @k3vrealestate This content is for educational and informational purposes only. It does not constitute financial, investment, legal or tax advice. Please consult a licensed professional before making any financial decisions. Send us Fan Mail

    Rent vs Buy in Bangsar Baru: 24 Real Years, No Right Answer

  5. 3d ago

    Budget 2027: Your Tax Relief Goes to RM12,000 — What You Actually Save

    Your personal tax relief is set to go up from RM9,000 to RM12,000. Kevin explains the two Budget 2027 changes to personal income tax, the RM9,000 → RM12,000 relief and the new rate table from YA2027, worked out at four chargeable incomes. All proposals until the Finance Bill passes. In this episode: Two changes, not one: the relief and the rate tableFour people, four numbersThe twist for top earners: taxed above about RM1.09 million, you pay moreWhen it starts (YA2027) and the smaller relief changesWhich slice is your income in? More Real Numbers every week on Instagram: @k3vrealestate This content is for educational and informational purposes only. It does not constitute financial, investment, legal or tax advice. Please consult a licensed professional before making any financial decisions. Send us Fan Mail

    Budget 2027: Your Tax Relief Goes to RM12,000 — What You Actually Save

  6. 4d ago

    Treat Your Emergency Fund Like a Second EPF

    The car breaks down, a medical bill arrives or a client disappears. Then you remember you set money aside for exactly this. Kevin explains how big an emergency fund should be, where to keep it, and why treating it as untouchable, like EPF, is what makes it work. In this episode: How many months of expenses to keepWhere to park an emergency fundRules for when you're allowed to use itHow to rebuild it after you doDo you have an emergency fund? How many months does it cover? More Real Numbers every week on Instagram: @k3vrealestate This content is for educational and informational purposes only. It does not constitute financial, investment, legal or tax advice. Please consult a licensed professional before making any financial decisions. Send us Fan Mail

    Treat Your Emergency Fund Like a Second EPF

  7. 5d ago

    I Check My Portfolio Once a Year. Here's Why That's Smarter

    Investing can feel like a pot on the stove that boils over the moment you look away. Every red day hurts. Kevin explains why checking less often usually leads to better decisions, and how to set up a portfolio you don't need to watch every day. In this episode: Why daily checking makes investors worseThe psychology of seeing redSetting up a portfolio you can leave aloneWhat an annual review should coverHow often do you check your portfolio? More Real Numbers every week on Instagram: @k3vrealestate This content is for educational and informational purposes only. It does not constitute financial, investment, legal or tax advice. Please consult a licensed professional before making any financial decisions. Send us Fan Mail

    I Check My Portfolio Once a Year. Here's Why That's Smarter

  8. 6d ago

    Before You Invest RM1, Fill These 5 Buckets First

    A 29-year-old gets his bonus and wants to go all in on stocks tomorrow. Kevin asks him one question first: do you have three months of expenses saved? This episode walks through the five buckets to fill, in order, before investing, so your investments never have to be sold at the worst time. In this episode: Why investing comes after, not beforeThe five buckets, in orderHow big each bucket should beWhat to do when a bonus landsWhich bucket are you on right now? More Real Numbers every week on Instagram: @k3vrealestate This content is for educational and informational purposes only. It does not constitute financial, investment, legal or tax advice. Please consult a licensed professional before making any financial decisions. Send us Fan Mail

    Before You Invest RM1, Fill These 5 Buckets First
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Malaysian property and personal finance — with real, verified numbers. Hosted by Kevin Teh, a financial products investor and a real estate negotiator based in Mont Kiara, KL. New episode every week.

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