Ringgit and Sense

Aaron Tang aka Mr Stingy sifts through some financial ideas that stand out in these times. See omnystudio.com/listener for privacy information.

Liew Ooi Hann doesn't hide his excitement about the future of cash. See omnystudio.com/listener for privacy information.

Iris Lee suggests no-spend weekends and learning something new (like ETFs). See omnystudio.com/listener for privacy information.

We take a few calls as well as ask Joyce Chuah about her 2017 financial resolutions. See omnystudio.com/listener for privacy information.

Bose Dasan finds a new excuse for the Sdn Bhd gospel. See omnystudio.com/listener for privacy information.

While many things in life are not free, adjusting your lifestyle and savings is a small price to pay to secure a better retirement. Tunku Ali Zakri Alias, Deputy CEO of Strategy for EPF tells us more.  See omnystudio.com/listener for privacy information.

There are some pretty good reasons why commodities need not be in your portfolio.  See omnystudio.com/listener for privacy information.

Your body is an income earning machine so take care of it. See omnystudio.com/listener for privacy information.

Retirement and the Ringgit are in the minds of callers in this episode of Ringgit Ring-In See omnystudio.com/listener for privacy information.

We explore in more detail what goes into a credit score and why you should get one. See omnystudio.com/listener for privacy information.

Longevity presents greater challenges for retirement planning; you would be left with less money to spread over more years. How can we deal with this? See omnystudio.com/listener for privacy information.

We revisit how ETFs can disrupt entrenched ideas about investing. See omnystudio.com/listener for privacy information.

The decision to be taxed as an individual or a LLC (Limited Liability Company) has various implications & factors to consider, which with proper evaluation can help reduce your tax bill. We weigh the pros & cons of operating your business as a sole proprietorship or an LLC against differing tax brackets and added costs of incorporating a business. See omnystudio.com/listener for privacy in...

Rajen Devadason relates to us some financial planning lessons he learned from his mother who passed away recently. They are:    -Always overdeliver - never shortchange people    -Watch your money like a hawk    -Charity begins at home    -But it doesn’t stop there    -Never stop reading for enjoyment and edification S...

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 the basis of the syrariah-based pawnbroking business. See omnystudio.com/listener for privacy information.

Rajen Devadason is the CEO of corporate consultancy RD Wealth Creation, and is also a Securities Commission-licensed financial planner with Manulife Asset Management Services. He answers some of your personal finance questions on Ringgit Ring-In: Should I get a credit card? Is cash the best hedge for inflation? How to make Gen-Ys care about saving for retirement? What to do if you have no savings...

We try to get a verdict on which home broadband package gives the best value for money. See omnystudio.com/listener for privacy information.

We give the controversial developers' housing loan scheme a financial planning treatment where we found voices of both dissent and support. See omnystudio.com/listener for privacy information.

Borrowing to invest isn't always financial planning heresy. See omnystudio.com/listener for privacy information.

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 omnystudio.com/listener for privacy information.

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 loans? Will the stock market make me rich? See omnystudio.com/listener for privacy information.

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 technological factors that give us smooth transportation without a prestige loss. See omnystudio.com/listener for privacy information.

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. See omnystudio.com/listener for privacy information.

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 say that it removes conflicts from advice which in the long term is better for your financial goals. See omnystudio.com/listener for privacy information.

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 funds? How should I invest the RM1 million I have in my retirement years? How should I invest if I have zero-risk tolerance? What's the difference between unit trust and stock market investing? See omnystudio.com/listener for privacy inform...