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 Sense
4 Ways To Teach Kids About Money
How can we better teach kids about money and personal finance? That’s the question Roshan Kanesan explores today, in conjunction with Universal…
- Ringgit and Sense
Budget 2021: What's In It For You?
Malaysia’s largest-ever budget was announced last week, but what’s in it for you? Roshan Kanesan gets into Budget 2021 with a focus on the modified…
- Ringgit and Sense
How The Budget Works And Tax Reliefs To Watch
Tomorrow, Budget 2021 takes centre stage at Parliament, but before that happens, Roshan Kanesan explores: - how the budget works with a focus on understanding…
- Ringgit and Sense
'Ringgit Oh Ringgit's Tips and Tricks for Freelancers, Side Hustlers, and Solopreneurs
Is freelancing or the solopreneur life for you? Freelancing, gig work, and self employment have become more prominent sources of income, and are now even more…
- Ringgit and Sense
Mr. Money TV On Retirement Planning, Compounding, and Mistakes
Retirement is an important financial goal, but often taken for granted when we're young because of the distant timeline. Roshan Kanesan speaks to Peter Yong…
- Ringgit and Sense
Should You Move EPF Money To Invest?
Do you want more control over your EPF money? On this episode, Roshan Kanesan explored the EPF I-Invest platform with Joyce Chua, licensed financial planner…
- Ringgit and Sense
Are Digital Financial Services Good For Your Wallet?
Digital financial services have made it easier for us to make payments, invest, and get protected, but it’s currently quite a fragmented environment as…
- Ringgit and Sense
How To Invest While Managing Anxiety?
Investing is vital to your long term financial health, but it can be a nerve wracking experience. So how can you invest while managing the anxieties that come…
- Ringgit and Sense
Are In-App Purchases and Games Loot Boxes Damaging Your Wallet?
Microtransactions and in-app purchases are big revenue generators for big tech, but could be detrimental to our wallets. Roshan Kanesan speaks to Idham Idris…
- Ringgit and Sense
What To Watch When Buying REITs and Dividend Stocks?
With all the general excitement over capital gains in stocks markets over the last few months, income-based investing has gotten lost in the buzz, whether…
- Ringgit and Sense
Are Stock Splits Pointless?
Why issue bonus shares? Are stock splits pointless? What should I watch with dividend-paying companies? We’ve seen quite a bit of news around stock…
- Ringgit and Sense
BIMB's Best Invest - Digital, But Not A Roboadvisor
BIMB Investment Management has entered the digital space with its own offering, Best Invest, which they've dubbed robointelliegence and not a roboadvisor.Why…
- Ringgit and Sense
Stock Market Investing - Key Lessons and Common Mistakes
As the stock market booms, it's vital to not get caught up in all the excitement and optimism. While it's important to invest, it must be done responsibly…
- Ringgit and Sense
Bankruptcy: Basics, Impacts, And Way Out
Bankruptcy. While we've heard the term & probably used it in conversation, what does it really mean in Malaysia? Roshan explores this, as well as the…
- Ringgit and Sense
Stashaway Simple - Fixed Deposit Killer?
This year Bank Negara has cut rates 4 times, taking the OPR from 3% to 1.75%. This is the lowest level since 2004. While the central bank has done this to help…
- Ringgit and Sense
Is Gold Still A Stock Market Hedge?
What are the differences between gold and stocks? Gold is the hedge as old as time. It’s widely regarded as a store of value, and it traditionally…
- Ringgit and Sense
With Cybercrime On The Rise, How Do We Better Protect Ourselves?
With Cybercrime on the rise, how can we better protect ourselves & our identities? Many aspects of our lives have become digital, from the way we communicate…
- Ringgit and Sense
Takaful And Its Role In Estate Planning
How does takaful differ from insurance? What do you need to pay attention to when choosing a plan? How does it play into estate planning? Roshan gets into…
- Ringgit and Sense
Why Do You Need Different Assets In Your Portfolio?
Asset allocation is essential to any investment strategy, but what does that really mean? Today Roshan gets into the purpose of allocation, relationship…
- Ringgit and Sense
Bitcoin 101 - Is It The New Gold?
As the United States prints more US Dollars to fund its COVID-19 related economic recovery, Bitcoin has gained more prominence, alongside gold, as a hedge…
- Ringgit and Sense
Is Passive Investing For You?
Passive versus active investing has gained more attention over the last decade, now especially with all the stock market activity. So today Roshan explores the…
- Ringgit and Sense
Is Passive Investing For You?
Passive versus active investing has gained more attention over the last decade, now especially with all the stock market activity. So today Roshan explores the…
- Ringgit and Sense
Managing Falling FD Income
Many in retirement are seeing their incomes reduced as fixed deposit returns fall on the back of falling interest rates. Roshan explores ways to manage this…
- Ringgit and Sense
Managing Falling FD Income
Many in retirement are seeing their incomes reduced as fixed deposit returns fall on the back of falling interest rates. Roshan explores ways to manage this…
- Ringgit and Sense
Credit Scores Dos and Don'ts
Why should you care about #CreditScores? Roshan speaks to Hann about the importance of credit scores as well as the dos & don'ts, how Credit Scores work and…
- Ringgit and Sense
Is It Time To Buy A Car with Lower Rates and Pressure on Showrooms?
If you can afford it, is it a good time to buy a car with car sales down & lower interest rates? Roshan Kanesan speaks to Joyce Chuah, CEO of Success Concepts…
- Ringgit and Sense
Mr. Stingy's Lessons From the Pandemic and Recession Investing
What should we learn from the pandemic? How do we invest during a recession? Roshan speaks to personal finance blogger Aaron Tang, a.k.a. Mr. Stingy, on these…
- Ringgit and Sense
Is Value Investing Dead?
With the way markets have been over the last decade, is value investing still relevant? On this episode, Roshan speaks to fund manager & investor Jack Kouzi…
- Ringgit and Sense
Practical Tips to Manage Spending During and After MCO
On this episode we revisit BFM's Personal Finance Webinar from last week - How To Manage Your Family Budget During and After MCO. In this episode we revisit…
- Ringgit and Sense
What Makes a Financial Plan?
On this episode we revisit BFM's Personal Finance Webinar from earlier in the week - 'How to Construct Financial Plans that can Weather Any Crisis'. In…
- Ringgit and Sense
MCO: Managing Cash Flows and Staying Invested
Last week BFM hosted a personal finance webinar taking a look at the impact of the Movement Control Order on our personal finances and aimed to help you build…
- Ringgit and Sense
Retirement Planning - What Can We Learn From the Pandemic?
What are the basics to planning for retirement? Is retirement realistic considering that we're living longer? What can the pandemic teach us about retirement…
- Ringgit and Sense
Can Your Boss Unilaterally Cut Your Salary?
How do employment arrangements work in Malaysia? Can employers unilaterally cut salaries? What options do employees have if there are disagreements with…
- Ringgit and Sense
High Dividend Stocks: What to Pay Attention To
Should you take up the current low interest rates and buy a house or a car? If you were already planning a big ticket purchase before the MCO, should you…
- Ringgit and Sense
Is It Time for a Side Hustle or Home Business?
As the MCO and COVID-19 changes the way we work and live, is it maybe time to start a home business, especially if you're worried about incomes and job…
- Ringgit and Sense
Moratorium And MCO: A Time to Reset Your Debt And Personal Finances?
In our continued coverage of the Prihatin Stimulus Package and managing personal finances with the MCO and COVID-19 in mind, Roshan speaks to Idham about: -…
- Ringgit and Sense
Loan Moratorium - What, Why, How and For Who?
BFM held its first ever webinar last week where we spoke to Nirmala of AKPK about loan moratoriums. Amongst the questions that we got into include: - What is a…
- Ringgit and Sense
Prihatin Stimulus, EPF, EIS and Loan Moratoriums
Plenty was announced during the Prihatin Rakyat Stimulus Package, so today we’re going to dissect & distil some parts that could be important to you. We…
- Ringgit and Sense
Prihatin Stimulus, EPF, EIS and Loan Moratoriums
Plenty was announced during the Prihatin Rakyat Stimulus Package, so today we’re going to dissect & distil some parts that could be important to you. We…
- Ringgit and Sense
How To Prepare Financially For A Crisis
We speak to Ming Hui for his thoughts on managing your investments in this volatility and how to prepare financially for a crisis. See omnystudio.com/listener…
- Ringgit and Sense
Market Crash - What Should You Do?
It’s no secret that the market has been hit hard, not just in Malaysia but of course the globe. So today on Ringgit & Sense we’re going to try and…
- Ringgit and Sense
Debt & Loans: How Much Is Too Much?
On this episode Roshan explores debt and bankruptcy with Nirmala of AKPK, getting into key pillars of debt management, options if you’re having issues…
- Ringgit and Sense
Value Investing: Is It For You?
What is Value Investing? Is it for you? And if you’re already investing, how do you balance between being invested & holding cash to invest? Find out as…
- Ringgit and Sense
Value Investing: Is It For You?
What is Value Investing? Is it for you? And if you’re already investing, how do you balance between being invested & holding cash to invest? Find out as…
- Ringgit and Sense
Ringgit Q&A: Income Tax
With the Tax Season incoming, Roshan gets into tax questions from listeners on this edition of Ringgit Q&A. Amongst the questions that were asked include: -…
- Ringgit and Sense
Digital Financial Services - Understanding The Landscape
From Grab & GoJek to Alibaba & Razer, Digital Financial Services like e-wallets & roboadvisors are gaining traction but it goes beyond just those services. As…
- Ringgit and Sense
Digital Financial Services - Understanding The Landscape
From Grab & GoJek to Alibaba & Razer, Digital Financial Services like e-wallets & roboadvisors are gaining traction but it goes beyond just those services. As…
- Ringgit and Sense
Money & Relationships With Mr. Stingy And ‘Ringgit Oh Ringgit’
Talking about money in relationships can be tricky, so in conjunction with Valentine's Day, Roshan speaks to Aaron and Suraya to get their thoughts and tips on…
- Ringgit and Sense
Money & Relationships With Mr. Stingy And ‘Ringgit Oh Ringgit’
Talking about money in relationships can be tricky, so in conjunction with Valentine's Day, Roshan speaks to Aaron and Suraya to get their thoughts and tips on…
- Ringgit and Sense
Property: Rent, Don't Buy?
To buy or not to buy a house? That is generally a question we get here on Ringgit & Sense. Following on from our first Ringgit Q&A last week, today we speak to…
- Ringgit and Sense
Ringgit Q&A: How, When And Why Should You Start Investing?
And starting today, every last Thursday of the month will be Ringgit Q&A sessions! Today, Roshan and Joyce focused on questions around investing, from basic…
- Ringgit and Sense
Ringgit Q&A: How, When And Why Should You Start Investing?
And starting today, every last Thursday of the month will be Ringgit Q&A sessions! Today, Roshan and Joyce focused on questions around investing, from basic…
- Ringgit and Sense
How Do We Achieve Financial Freedom?
What does financial freedom mean? How do we attain it? Rajen gives his thoughts here as well as his formula which starts with building your active income…
- Ringgit and Sense
How Do We Achieve Financial Freedom?
What does financial freedom mean? How do we attain it? Rajen gives his thoughts here as well as his formula which starts with building your active income…
- Ringgit and Sense
Crowdfunding - A Potential Alternative to Medical Insurance?
It's no secret that insurance penetration in Malaysia is well below our targets, and Ravinder thinks that the way to address this is through a national scheme…
- Ringgit and Sense
Crowdfunding - A Potential Alternative to Medical Insurance?
It's no secret that insurance penetration in Malaysia is well below our targets, and Ravinder thinks that they way to address this is through a national scheme…
- Ringgit and Sense
Is EPF Enough For Your Retirement?
How much do you need for retirement? Is the EPF basic requirement of RM240,000 really enough? What can you do to maximise your EPF? What is EPF Account 1 and…
- Ringgit and Sense
Money Goal Tips With Mr. Stingy And ‘Ringgit Oh Ringgit’
It's the new year! Do you have resolutions for 2020? Well if need some help there, Roshan speaks to Mr Stingy & Suraya Zainudin on their tips & thoughts for…
- Ringgit and Sense
Money Goal Tips With Mr. Stingy And ‘Ringgit Oh Ringgit’
It's the new year! Do you have resolutions for 2020? Well if need some help there, Roshan speaks to Mr Stingy & Suraya Zainudin on their tips & thoughts for…
- Ringgit and Sense
FinTech: Democratising Capitalism?
Can fintech replace banks? Roshan speaks with Bikesh about the FinTech scene here in Malaysia, from its importance to consumers and our wallets as well as how…