Ringgit and Sense

Global stocks have endured several bouts of volatility so far this year. Rajen shares 4 lessons as to how investors can stay true to their personal financial goals amidst these turbulent times. See omnystudio.com/listener for privacy information.

Securities Commission Malaysia's 2017 Annual Report acknowledged the 'early success' seen by peer-to-peer financing platforms. Kristine recounts the traction that Peoplender's platform has gained since launching in July 2017, and shares the risks and opportunities for those considering this alternative financing avenue. See omnystudio.com/listener for privacy information.

Hong Kong billionaire Li Ka-shing announced his retirement on March 16, officially handing over the reigns of his business empire to his son Victor Li. What can we learn from the elder Li about having a well-prepared succession in place? Lawrence walks us through the options available to Malaysian businesses. See omnystudio.com/listener for privacy information.

Malaysia's first US dollar-denominated, Shariah-compliant security, called MyETF-50 recently made its debut on Bursa Malaysia. Meanwhile, the Securities Commission Malaysia is expecting to announce the nation's first robo-advisor by June. What does all this mean for your investment strategy? Julian weighs in. See omnystudio.com/listener for privacy information.

We discuss the rising cost of healthcare in Malaysia and the cost difference between private and public hospitals. We also talk about what needs to be done to prepare financially for our future medical needs. See omnystudio.com/listener for privacy information.

Warren Buffett has just released his highly-anticipated annual letter to shareholders of Berkshire Hathaway. Rajen highlights 3 lessons on investing that we can all learn from the Oracle of Omaha. See omnystudio.com/listener for privacy information.

Today we take a look at bankruptcy and financial distress. We discuss signs of financial distress and how to seek help and repair the damage. See omnystudio.com/listener for privacy information.

We have a special episode of Ringgit & Sense to celebrate Chinese New Year. Many of us are certainly excited about receiving ang pows and eating good food to celebrate this festival. However, as with all festive periods, we should be careful about how much we spend. Joyce Chuah and Lee Mun Wai -- licensed financial planners -- share their takes on how to best manage your personal finances duri...

Rajen shares his insights on the dos and dont's of leaving an inheritance for your children. See omnystudio.com/listener for privacy information.

We speak to Jasmine and Chune from financial comparison site GoBear Malaysia on how to choose the best credit card for one's needs.  See omnystudio.com/listener for privacy information.

Yamin shares his insights on what consumers should look for when buying both new and used cars. We also discuss the cost of car ownership, and some of the alternative financing and mobility options available. See omnystudio.com/listener for privacy information.

Steve walks us through the steps of reviewing your portfolio, from asset allocation as per your risk profile, to periodical reviews and risk diversification.  See omnystudio.com/listener for privacy information.

Rajen shares practical advise about  financial goal setting for the long haul, whether  for a year, a decade or more.   See omnystudio.com/listener for privacy information.

We discuss the cost, benefits and challenges of sending a child to international school. We highlight important points to consider as well as some common mistakes when making the choice between public or international school. See omnystudio.com/listener for privacy information.

The Morning Run Crew discusses useful financial tips for the year ahead based on memorable conversations in 2017. See omnystudio.com/listener for privacy information.

On today's Ringgit and Sense, we take a look at some of the lessons from the year, ranging from financial resolution and tax advise, to conversations about financial scams and how to deal with finance and relationships. See omnystudio.com/listener for privacy information.

Rajen takes us through the advantages of financial resolutions and ways to kickstart, renew and keep to our 2018 financial resolutions. See omnystudio.com/listener for privacy information.

We speak to Joyce about the ticking time bomb  in Malaysia. Malaysians are not  saving enough for emergencies and retirement. Joyce shares practical  tips on how we can save more money through implementing simple changes to our consumption patterns See omnystudio.com/listener for privacy information.

AS cliché as it may sound, there is nothing more certain than death and taxes. While we cannot escape taxes, we can look into making sure that our taxes are calculated efficiently by correctly claiming the right reliefs and deductions applicable to us. 1. What are the deductions one can claim for to offset against their taxable income? Am I claiming the right amount of tax reliefs applicabl...

Robert shares his views on :- 1) Options available in the gig economy e.g freelancing, Uber/Grab, AirBnB type options, online businesses etc 2) Passive vs. active second income 3) How to save for investment and retirement if you work in the gig economy 4) Declaring taxable income if you work in the gig economy See omnystudio.com/listener for privacy information.

In this edition of Ringgit & Sense, Dawn Lai, CEO of RAM Credit Services, shares ways to mitigate the risks of data breaches as well as the wisdom of cultivating good financial habits, in order to have a high credit rating and to boost one’s appeal to obtain the best terms on financial products. See omnystudio.com/listener for privacy information.

In partnership with the domestic insurance industry, Bank Negara is set to roll out 'Perlindungan Tenang', a national branding and communication insurance platform. What will this mean for underinsured Malaysians? Antony highlights the lack of awareness of the need to be insured. See omnystudio.com/listener for privacy information.

Independent Financial Advisor  Yap Ming Hui shares his insights on Budget 2018's impact on the individuals. We discuss: - How parents and families benefit  - Impact on education for individuals and their children - Affordable housing initiatives - Your personal budget, regardless of the government budget and key ratios you need to look at to ensure that you are financially fit. See omnys...

Rajen speaks to us about the importance of multiple income streams, as well as asset and geographical diversification and what we need to do, to plan for financial contingencies. See omnystudio.com/listener for privacy information.

We speak to former BFM presenter/producer and now financial blogger Julian Ng to discuss unit trusts. More specifically we ponder if funds that invest in Malaysia are more or less in line or have slightly underperformed over the years. See omnystudio.com/listener for privacy information.