Ringgit and Sense

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.

1. What can I do to prepare my self financially in case I am retrenched? 2. Should I buy a home for investment or to live in? What should I consider? See omnystudio.com/listener for privacy information.

Licensed financial planner Felix Neoh answers some of your personal finance questions about: - the benefits of budgeting - how to prioritise saving - avoiding common financial mistakes - recovering your financial health after hit by emergencies See omnystudio.com/listener for privacy information.

The costs of bringing up a child can vary substantially depending on the educational choices that are made by their parents. Prudent financial planning must be taken into account for not just the needs of the child but also the financial capabilities of parents as well as long term retirement plans. We look at the cost of bringing up a child at various stages of their lives from Pre-delivery to Un...

People are not saving enough for their twilight years. What if they contribute to a Private Retirement Scheme in addition to EPF? We speak to Husaini Hussin about the pro and cons of participating in Private Retirement schemes as part of someone's retirement savings plan. See omnystudio.com/listener for privacy information.

Life insurance has been on a rise in Malaysia with life insurance penetration rate poised to hit 70% by 2020 up from around 50% today, according to Malaysian Insurance Institute. Today we talk about life insurance, its benefits and drawbacks as well as the comparative benefits of fintech based insurance options.   See omnystudio.com/listener for privacy information.

Robin Lee, CEO of  Hello Gold Sdn Bhd shares insights about investing in cryptocurrencies, its pitfalls and opportunities and how his company's initial token offering project is an investment in making investments in cryptocurrencies easier. See omnystudio.com/listener for privacy information.

In today’s show we look at the importance of proper Wealth and Estate Planning, the differences between a will and a trust, tax implications of trust funds and how to avoid creating trust fund babies. See omnystudio.com/listener for privacy information.

Mark Reijman, Managing Director and Nadia Khan, Content Manager, of CompareHero.my, the homegrown comparison site, talk about life lessons for young graduates, and the necessity of having the mental fortitude to resist unnecessary spend. See omnystudio.com/listener for privacy information.

With the The Employment Insurance Scheme being tabled on the parliament, we speak to Joyce Chuah of Success Concepts on the subject of unemployment and saving up for a rainy day. See omnystudio.com/listener for privacy information.

Are you considering an overseas education? Jason Wee and Ng Jun Kiang of USAPPS discuss with us the pros and cons of studying abroad, particularly in the US, and how it impacts your wallet. See omnystudio.com/listener for privacy information.