RM144

A personal finance commentary is warning people to understand contract terms before signing, highlighting what it calls 'Rule iv. The Goalpost Rule': an asset or liability is fixed at origination and its classification cannot be changed after signing. The author's message is 'read the rules before the pen', urging borrowers and investors to review agreements themselves rather than rely on later reassurances. The advice references RM144, likely a document or reference number for readers to check.