Cash Back Credit Cards: Which One Is The BEST (AUG 2025)?

Regarding credit cards, there are always debate on its good and bad sides.

To me, the benefits of credit card outweighs the drawbacks.

The main disadvantage of credit card is that the users spend beyond their ability to pay back in full, resulting in late payment charge and high finance charge from 15% to 18% per annum.

As long as you plan your credit card spending carefully, I think credit card is a great tool that helps in financial planning.

Here are the advantages and disadvantages of credit cards.

Home Solar PV System: How Much Can It Really Save?

 

Three months ago I wrote a post about installing a home solar PV system "Home Solar PV System: A No Brainer?".

Now, my home solar system has been up and running for more than 2 months.

It's time to share my short experience and how much money I can actually save.

Is residential solar system under NEM scheme really worth it?

My Portfolio Jun25

Summary of Jun 2025

Portfolio @ End of Jun25

 

Jun25 was not a good month to me as my portfolio shrank 1.1%, increasing YTD loss to 9.7%.

Share price of JHM dropped 17.3% in the month. It suddenly plunged 15% on 20 Jun25 with relatively high volume.

I'm not sure what was brewing but it didn't look good. It's unlikely to be due to poor quarter result as the financial period has not ended yet.

Anyway, its next quarter result is not expected to be good.