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 SenseCan Money Buy Happiness?
We discuss this philosophical issue including whether there is a magic number that will make you happy. News: When investing guru say buy, maybe it's time to…
Ringgit and SenseHow the Robo Advisor can Feature in Financial Planning
Robo-advisors are websites that are disrupting the investment advisory scene that haven't reached Malaysian shores. When they do, they can be essential to your…
Ringgit and SenseMoney Manners
What are gifting considerations when you attend weddings, birthdays an other social events? Joyce Chuah and Lee Mun Wai, give the financial planner's version…
Ringgit and SenseA Deeper Look Into Insurance Products
Part 2 of 2 of our insurance series looks at what products are out there and their pitfalls. News: - Lack of money delays American financial objectives -…
Ringgit and SenseRinggit Ring-In: Being Guarantor for Property Loans
Many questions on property in this month's Ringgit Ring-In which is only natural since this is such a big part of our lives. See omnystudio.com/listener for…
Ringgit and SenseThe Role of the Financial Planner
Given how big the link is between life's goals and financial planning, the role of the financial planner is becoming more important. We explore more of this…
Ringgit and SenseRinggit Ring-In: The Challenges of Saving
How much to save? What if there isn't enough income to do so? We look at some of these questions in this week's Ringgit Ring-In. See omnystudio.com/listener…
Ringgit and SenseThe Past Isn't An Indicator of the Future
Don't base too much of your investing decisions on how well the market or fund managers have done in the recent past. News: Mystery why money pours into hedge…
Ringgit and SenseAddressing Retirement Funding
The good news is that we are living longer. The bad news is retirement funding is getting more costly. This discussion will cover things you have to know to…
Ringgit and SenseRinggit Ring-In: Currencies, Oil or Property?
In another episode of our call-in session, we talk about about whether we should dabble with currencies, oil schemes or property. Also, what to do with a RM30m…
Ringgit and SenseWhat Malaysians Don't Save On
We are always talking about saving and investing but today we deviate from that and talk about what Malaysians splurge on. The results aren't as wasteful as…
Ringgit and SenseThe Basics of the Base Rate
Bank Negara has replaced the BLR regime that of the base rate. Find out how you can benefit from this. News: Ex-Pimco boss moves money into new fund Buffet…
Ringgit and SenseRinggit Ring-In : Diversify or Specialise?
We discuss your personal finance issues with the help of a professional financial planner. - Should I invest into the oil & gas sector? - Buying into low-cost…
Ringgit and SenseThe Net Worth Feedback Loop
Wealth accumulation, an important aspect of financial planning, should be executed together with some kind of feedback to tell us how well we are doing…
Ringgit and SenseInvesting in Asia Pacific REIT Funds
You don't necessarily have to cough out huge sums of money to buy property. With REITs you can become a regional and global property investor. Our guest is Yap…
Ringgit and Sense"Making Money" From Your New Year's Resolution
Maybe all it takes is to look at resolutions differently for them to succeed. Liew Ooi Hann from Savemoney.my shares his wisdom with us. News: No GST for life…
Ringgit and SenseA Further Look Into Property Investing
After having provided phenomenal returns over the past few years, it is timely to talk about how to view property investing. For instance, questions like…
Ringgit and SensePersonal Financial Crises in the Making
We don't realise it but the things we do in the short term have long term financial consequences. This is akin to a very slow-moving crashing train. News…
Ringgit and SenseHow Not To Own A Car
Malaysians buy a lot of cars. But there are now alternatives to avoid the costs of car ownership. News Inequality rises in Malaysia Zeti: Indebtedness caused…
Ringgit and SenseWhat Bankrupts Can Do To Clear Their Names
All it takes is a default of just RM30,000 to have bankruptcy proceedings started against you. To state the obvious, a bankrupt status is like a millstone hung…
Ringgit and SenseRinggit Ring-In: It's All About Protection
We discuss your personal finance issues with the help of a professional financial planner. - Is insurance important to have or a must-have? - How much should…
Ringgit and SenseNavigating the GST
We look into the GST in greater detail and see whether there are options for the consumer to strategise dealing with it. News: Youth bankruptcy on the rise…
Ringgit and SenseManaging the Impact of Budget 2015
Believe it or not, there are ways to manage the imminent GST and subsidy cuts. Part of it is psychological. News Fink is not Gross Swedes Go Cashless Tip Money…
Ringgit and SenseWhat Malaysians Want for the Upcoming Budget
Liew Ooi Hann, co-founder of savemoney.my talks to us about a survey on what Malaysians want in the upcoming budget. Whether they get them or not would be a…
Ringgit and SenseA Look Into Korean ETFs
A Look Into Korean ETFs Samsung is well-known for it's consumer electronics but they also do finance and are one of the biggest issuers of ETFs in Korea. We…
Ringgit and SenseRinggit & Sense Answers Your Questions
We discuss your personal finance issues with the help of a professional financial planner. - What to do with RM 2,000? - Should you invest in oil palm? -…
Ringgit and SenseMalaysia's East-West Income Divide
With Malaysia Day established as a national public holiday, we look into what East Malaysians on the ground feel about their income levels. The lack of…
Ringgit and SenseThe Plight of the Fixed Income Investor
In Malaysia interest rates have already risen by 0.25% and are expected to rise again by another 0.25% over the next 6 months.Today we look into the plight of…
Ringgit and Sense6 Personal Finance Lessons From the Past 6 Years
In conjunction with BFM's 6th anniversary, we look into 6 major trends or events over the last 6 years that had a significant impact on personal finance. Some…
Ringgit and SenseRinggit & Sense Answers Your Questions
We discuss your personal finance issues with the help of a professional financial planner. See omnystudio.com/listener for privacy information.
Ringgit and SenseCapitalising on Financial Crises
Financial crises are times of strife and uncertainty. However, it is possible to use these situations to enhance long term financial returns. News: Commissions…
Ringgit and SenseBuying Insurance Online
The online revolution has arrived at the doorstep insurance distribution which is a good thing since it will reduce the cost of buying policies substantially…
Ringgit and SenseHow Rising Interest Rates Affect Consumers
Bank Negara recently raised interest rates by 25 basis points to 3.25%. Liew Ooi Hann talks to us about how your loans will be affected. It's not all bad news…
Ringgit and SenseThe Three Levels of Investing
Investing is not just investing. Like everything else, there are various facets to investing. However, investing is of particular importance since this process…
Ringgit and SenseWhat They Don’t Tell You About Insurance Policies
Insurance products are so important but cause so much confusion. How much should you be covered for? Should you load up on life coverage over critical illness?…
Ringgit and SenseThings About Property Investment You Need To Know
The phenomenal returns of property markets in Malaysia and around the world have attracted more people, both speculators and genuine buyers, into property…
Ringgit and SenseGambling is a Losing Proposition
We look at gambling from the mathematical and social perspectives. The conclusion that gets thrown up is: gambling hurts. News: New Zealander correctly bets on…
Ringgit and SenseSlippery Canadian Oil Schemes
We discuss the pros and cons of yet another investment scheme from distant shores: Canadian oil investment. News: Poor millions without internet face higher…
Ringgit and SenseThe Risky Conservative Investor
Being a conservative investor is not about totally eliminating risks as some token amount of risk gives some zing to the portfolio. This is of course after…
Ringgit and SenseGetting The Right Insurance Solution
In a marketplace flooded with agents touting impending doom left, right and centre, how do you know what the right insurance solution is for you? We identify…
Ringgit and SensePlanning for Tertiary Education Cost - Part 2
We continue with the conversation with an exploration of returns on investment when it comes to your child’s education and explore alternatives like free…
Ringgit and SensePlanning for Tertiary Education Costs - Part 1
The cost of sending your children to university is so exorbitant that proper planning is essential. Surprisingly, there are also cheap or free alternatives…
Ringgit and SenseThe Asean CIS Framework
It won't be long before we can buy unit trust and investment schemes from around the region under the Asean Collective Investment Scheme (CIS) Framework. This…
Ringgit and SenseYour Feelings are Invalid
Buying too late, chasing prices, selling during crashes - these are some actions that make our investments perform worse than what the market actually achieves…
Ringgit and SenseRetirementality
The idea of retirement is undergoing transformation. It is no longer a singular moment at 60 but an alignment of wants, health and funding at many different…
Ringgit and SenseDebt Management Service - FOC
Debt management is a serious issue that probably ranks up there with health. Madam Koid Swee Lian of Agensi Kaunseling dan Pengurusan Kredit (AKPK) wants to…
Ringgit and SenseThe Younger Wife's Curse
Brigitte Miksa, Head of International Pensions for Allianz Asset Management talks to us about the retirement conundrum: living longer but with chances of being…
Ringgit and SenseDo's and Don'ts of Home Loan Refinancing
iMoney CEO Lee Ching Wei discusses how home loan refinancing could be used to your advantage. We also bring you a news snippet from the world of personal…
Ringgit and SenseInvesting: Got Edge?
Lars Kroijer questions how many investors are smart enough to do better than market returns. His answer may surprise some of us. See omnystudio.com/listener…
Ringgit and SenseImpact of National Budget On Your Budget
We take a look at how the national budget will affect the personal budgets of people and whether there is any impact on long term financial objectives. See…
Ringgit and SenseBe your own Financial Planner Part 4: Buying the Right Fund
Should you invest in the Technology Sector Fund or the Vietnam Fund or how about the Asia Ex-Japan Tactical Fund? You wouldn't want to miss the final series of…
Ringgit and SenseBe your own Financial Planner Part 3: Asset Allocation in the Malaysian Context
Part 3 of the series discusses asset allocation within the Malaysian context with a focus on how EPF (Employees Provident Fund) and property can distort the…
Ringgit and SenseBe your own Financial Planner Part 2: Asset Allocation
Part 2 of the series discusses asset allocation - the process of dividing our investments into the various asset classes - and its three broad categories. See…
Ringgit and SenseBe your own Financial Planner Part 1: Asset Classes & Diversification
Financial planning is an important tool in achieving financial independence, be it for retirement or for your children’s education. In light of that…
Ringgit and SenseCreating Your Financial Bucket List
Mun Wai and Joyce of Success Concepts share their perspectives on how you can create your financial bucket list. See omnystudio.com/listener for privacy…
Ringgit and SenseAlternatives to Emergency Cash
An unexpected situation or emergency can cause people to make rash financial decisions, so in today's episode David Chew and Julian Ng share how important it…
Ringgit and SensePersonal Finance and Tax Literacy at the Workplace
Azura Rahman speaks to KP Bose, Trainer and Finance Consultant about personcal finance and tax lietracy at the workplace. See omnystudio.com/listener for…
Ringgit and SenseBest Online Resources for Personal Finance
In this episode of Ringgit and Sense, David Chew introduces a new host to the show, Julian Ng! While Azura Rahman discovers the best online resources for…
Ringgit and SenseAvoiding Overspending during the Festive Season
See omnystudio.com/listener for privacy information.
Ringgit and SenseWhy are we terrified of insurance agents?
See omnystudio.com/listener for privacy information.