Shows / Ringgit and Sense
Ringgit and Sense
Sharper and stronger than a double espresso. The Morning Run stretches your mind and braces you for the business day. It's your fast track into work where you can hit the ground running. From 6am to 10am weekdays, the Morning Run brings you the biggest stories and must-listen-to interviews. Stay enlightened, make educated business and investment decisions.
Episodes
Ringgit and SenseUsing Gold to Raise Cash
There are specific reasons why you should or shouldn't invest in gold but one reason to do it is the possibility raising emergency cash from it. This is also…
Ringgit and SenseRinggit Ring-In: What's a Millennial to do with RM500k or with No Money?
Rajen Devadason is the CEO of corporate consultancy RD Wealth Creation, and is also a Securities Commission-licensed financial planner with Manulife Asset…
Ringgit and SenseHome Broadband Beauty Contest
We try to get a verdict on which home broadband package gives the best value for money. See omnystudio.com/listener for privacy information.
Ringgit and Sense12-18% Housing Loan: How Crazy is It?
We give the controversial developers' housing loan scheme a financial planning treatment where we found voices of both dissent and support. See…
Ringgit and SenseHow to Use the ASB and EPF to be a Millionaire
Borrowing to invest isn't always financial planning heresy. See omnystudio.com/listener for privacy information.
Ringgit and SenseAre Loyalty Programmes Worth It?
We look into how much money reward and loyalty programmes save you as well as satisfy a curiosity of how they work. Hint: it's a win-win. See…
Ringgit and SenseRinggit Ring-In: Young and Conservative
Some of the more interesting questions that came through on Ringgit Ring-In: What does a 30 year old do with RM200k? Is it worth it to pay 7.5% on personal…
Ringgit and SenseUsed, New or None: Emerging Attitudes to Car-Ownership
We talk to Gen-Y blogger AaronTang or Mr Stingy again, this time about his thinking of why he bought a used rather than a new car. We also explore…
Ringgit and SenseThe Pyramid of Wealth
Rajen Devadason opens a path for super conservative investors who are crippled by fears of volatility in the current market environment to build their wealth…
Ringgit and SensePaying Fees Might Make You Richer
The debate right now is whether peddlers of financial products should be paid a commission for a sale or fees for giving advice. The advocates of the fee model…
Ringgit and SenseRinggit Ring-In: The EPF 30% Question
Some questions from this session of Ringgit Ring-in: How should one take advantage of EPF's removal of the 30% foreign investment limit for approved unit trust…
Ringgit and SenseShould You Opt For EPF's "Simpanan Shariah"?
The Employees Provident Fund's (EPF) will open the new Shariah-compliant savings scheme for registration on Aug 8, 2016. RM100b will be offered for this scheme…
Ringgit and SenseMaking Money from Ride-Sharing Apps
The internet economy is alive and kicking and the future looks good for people looking for alternative ways of making money that is beyond the standard…
Ringgit and SenseRinggit Ring-In: Brexit Impact on Students in the UK
Should Malaysians studying in the UK buy the pound now? Should anyone buy the pound now? Also: The financial planner's views on shopping addiction See…
Ringgit and SenseConfessions of an Ex-Student Loan Debtor
What does it mean to have a career change of mind? And what does it mean to have it in the middle of a bonded study debt of RM58,000? See…
Ringgit and SenseHow To Be Your Own Insurance Agent
Can you be your own insurance agent? Cost savings would be a very compelling reason to do it -- the more you save, the more flexibility you have in managing…
Ringgit and SenseThe Most Wallet-Friendly Mobile Plans
Data plans for our smartphones have become a fixed and unavoidable spend. We look into some ways on how to have more bang for your data buck. See…
Ringgit and SenseCash, Capital and Courage
We can find a lot of wisdom in old sayings. Idioms like ‘money makes money’ and ‘save first and spend later’ come to mind. Today we…
Ringgit and SenseRinggit Ring-In: Do I Need RM1m Insurance?
How real is over-insuring? I've lost all my profits in the short term, should I abandon the idea that investing should be long term? Are FDs the way to…
Ringgit and SenseInsurance Policies Explained
Insurance policies are too important to not understand what they are all about. We fulfil your burning desire to know what exactly is meant by terms like term…
Ringgit and SenseEscaping The Consumption Cycle
Detailing all your expenses and deciding whether you can cut the list down is not stating the obvious in this age of conspicuous consumption and living beyond…
Ringgit and SenseThe Tradeoff Between Children's Education and Retirement
It's well known that education can cost a lifetime of savings. The inconvenient truth to this is that parents risk under-funding their retirement. See…
Ringgit and SenseYes, You Can Buy Your First Home Too
In Ringgit Ring-In, your personal financial questions are addressed by a qualified financial planner. This episode we answer questions about savings versus…
Ringgit and SenseThere's More to Life Insurance
General insurance is often overlooked as the main focus is usually on life insurance. This is risky since healthcare risks and costs are rising. We also…
Ringgit and SenseRaising Financially Savvy Kids
Starting the savings habit young is an undeniable advantage but understanding why that is needed takes it one step further. See omnystudio.com/listener for…
Ringgit and SenseRinggit Ring-In: The Right Insurance Coverage
In this episode of our call in show, it's all about insurance. What is the right coverage amount? Should we insure for children and children's education? What…
Ringgit and SenseHow to Dress Well Cheaply - Part 2
We bring the fashion discussion from last week further to talk about the role of casual Fridays, uniforms and updates on our wallets. See…
Ringgit and SenseHow To Dress Well and be Kind to Your Wallet
Developments in fast fashion has liberated our wallets but is it just a case of buying cheap clothes or are there other considerations? Azura Rahman from BFM's…
Ringgit and SenseThe Equation of Lifetime Income
Your lifetime income is equal to what you spend on core goals and money wasted on things that take us further away from those goals. The equation gives us a…
Ringgit and SenseEPF and Taxes
The government recently in the revised budget reduced employee EPF contribution from 11% to 3% of salaries. We get the lowdown of whether this reduced EPF…
Ringgit and SenseRinggit Ring-In: Investing Smartly
In Ringgit Ring-In, your personal financial questions are addressed by a qualified financial planner. This episode we answer questions about EPF, PRS and their…
Ringgit and Sense3% Points EPF Cut: Opt In or Opt Out?
The revised budget recently cut employee contribution to EPF by 3% points. This is an opt-out policy, which means that you’re assumed to be in this…
Ringgit and SenseFinancial Aspects of a Divorce
What has come together let no one put asunder, so the saying goes. But if it goes asunder then it is practical to know how financial assets are split in a…
Ringgit and SenseUseful Retirement Products to Keep In View
What if you had some amount of retirement money? How can you invest it in such a way that wouldn't tie up your funds so that you can have a regular income? Or…
Ringgit and SenseRinggit Ring-In: Saving Your Bonuses
In Ringgit Ring-In, your personal financial questions are addressed by a qualified financial planner. This week we deal with saving your bonuses, property…
Ringgit and SenseIslamic vs Conventional Investing
Islamic-based financial products have been in the market for years now and increasingly gaining traction around the world. This may already be general…
Ringgit and SenseUsing Financial Dashboards
How do you use financial dashboards to steer yourself to a healthy financial life ? Rajen Devadasen shares how you can use them to track your finances and…
Ringgit and SenseMaking Financial Resolutions (And Keeping Them)
According to surveys, financial resolutions are among the top resolutions made by people globally. We look into some good ones you can make and also more…
Ringgit and SenseRinggit Ring-In: Principles in Paying Principals
Another episode of Ringgit Ring-In with burning personal financial questions. See omnystudio.com/listener for privacy information.
Ringgit and SenseHow to Bargain Like a Pro
Is bargaining just a matter of asking for an arbitrary low price? And should you be shy about bargaining? Liew Ooi Han, founder of savemoney.my shares his…
Ringgit and SenseMoney Optimisation for the Middle Income Bracket
Given the rising demands on household expenses and pressing needs for retirement, it is timely to look out how we can optimise financial assets. See…
Ringgit and SenseHow Do Credit Card Points Work?
We can all accrue points on our cards, but the hows and whys of spending them can be a mystery even after all the research and comparisons. Ross Cheong, Head…
Ringgit and SenseRinggit Ring-In: Are Investment-Linked Insurance Policies Worth It?
Many questions on insurance in this week's Ringgit Ring-In including whether one should get annually renewable term policies and investment-linked insurance…
Ringgit and SenseAgribusiness as a Syariah Investing Option
We speak to Mahdzir Othman, CEO of i-VCAP who are launching an Islamic agribusiness ETF. We ask why agribusiness conforms to sound investing principles. News -…
Ringgit and SenseThe Rise of Online Financial Portals
Today we look into the ubiquity of online financial portals that can be a big help towards personal financial management. News - Indonesia exchanges trash for…
Ringgit and SenseCutting Investment Losses
Do you ever balk at selling investments that are not doing well? Should you sell them? Julian Ng speaks to Yap Ming Hui, Independent Financial Advisor from…
Ringgit and SenseRinggit Ring-In: The Long Term
This month's call in session deals with investing and saving for the long term and pensions. OCBC Real Money Story - Playing Safe See omnystudio.com/listener…
Ringgit and SenseThe Snowflake and Snowball Ways to Managing Budgets
Ahead of tomorrow's Budget Day, we look into the sentiment on the ground and also some interesting personal management techniques like 'envelop', 'snowball'…
Ringgit and SenseHow to Game Smartphone Costs
Liew Ooi Hann of Savemoney.my suggests some ideas to save smartphone costs that might involve some spending. News: - Give stocks to children instead of…
Ringgit and SenseRelax, Your Bank Deposit is Safe
The Perbadanan Insurans Deposit Malaysia or PIDM protects your bank deposits and insurance so you don't have to worry about a bank run. News: - Hedge funds…
Ringgit and SenseA New Way to Invest
A purely ROI (Returns on Investment) based investing may be detrimental to your financial goals. For instance, you may run the risk of putting too much focus…
Ringgit and SenseOnline Will-Writing
Continuing with Part 2 of 2 in our series on will-writing, today we explore how you can write a will easily and cheaply online. News: The boomerang generation…
Ringgit and SenseThy Will Be Done
In the first of a two-part series on will-writing, Max Yong, founder of ThyWillBeDone.com.my, an online will-writing service, goes through the checklist of…
Ringgit and SenseFinding Affordable Life Insurance Policies Online
In today's installment of Ringgit and Sense, Lee Chwi Lynn and Julian Ng discuss the differences between online insurance shopping and talking to agents…
Ringgit and SenseRinggit Ring-In: Is This The Right Time to Buy into Stocks
In this week's call-in session, Robert Foo the Managing Director of MyFP Services discuss how to plan your finances amidst a weakening ringgit and stock market…
Ringgit and SenseGetting to Financial Merdeka
In conjunction with Merdeka Day, we explore the idea of how one achieves financial independence. News Part time work on the rise Employers must invest in…
Ringgit and SenseThe Role of A Financial Planner
We take a more detailed into the occupation that not only plans your financial goals but helps you achieve what you want in life. News Working in one country…
Ringgit and SenseHow to Outfox Credit Card Companies
We give you ways to save credit card costs beyond telling you about their expensive interest rates. Our guest is Ross Cheong, Head of Content from iMoney.my…
Ringgit and SenseRinggit Ring-In: Options for Retirement Savings
Our monthly call-in session covers investing options for retirees as well as rent-or-buy decisions. See omnystudio.com/listener for privacy information.
Ringgit and SenseRinggit Ring-In: Options for Retirement Savings
Our monthly call-in session covers investing options for retirees as well as rent-or-buy decisions. See omnystudio.com/listener for privacy information.