Ringgit and Sense

We bring the fashion discussion from last week further to talk about the role of casual Fridays, uniforms and updates on our wallets. See omnystudio.com/listener for privacy information.

Developments in fast fashion has liberated our wallets but is it just a case of buying cheap clothes or are there other considerations? Azura Rahman from BFM's Style File tells us how to do it. See omnystudio.com/listener for privacy information.

Your lifetime income is equal to what you spend on core goals and money wasted on things that take us further away from those goals. The equation gives us a big picture of the things that matter in life. Rajen also shows us how to estimate our lifetime income quickly. See omnystudio.com/listener for privacy information.

The government recently in the revised budget reduced employee EPF contribution from 11% to 3% of salaries. We get the lowdown of whether this reduced EPF contribution raises payable taxes.  See omnystudio.com/listener for privacy information.

In Ringgit Ring-In, your personal financial questions are addressed by a qualified financial planner. This episode we answer questions about EPF, PRS and their returns. See omnystudio.com/listener for privacy information.

The revised budget recently cut employee contribution to EPF by 3% points. This is an opt-out policy, which means that you’re assumed to be in this programme unless you sign out of it. We explore some financial planning aspects of this decision. See omnystudio.com/listener for privacy information.

What has come together let no one put asunder, so the saying goes. But if it goes asunder then it is practical to know how financial assets are split in a divorce or legal separation.  See omnystudio.com/listener for privacy information.

What if you had some amount of retirement money? How can you invest it in such a way that wouldn't tie up your funds so that you can have a regular income?   Or what if you had a property worth a lot of money? How can you use that to fund your retirement and at the same time continue to live in your home?   Deferred annuities and reverse mortgages are not products that are heard often in...

In Ringgit Ring-In, your personal financial questions are addressed by a qualified financial planner. This week we deal with saving your bonuses, property loans and credit card debts among other issues. See omnystudio.com/listener for privacy information.

Islamic-based financial products have been in the market for years now and increasingly gaining traction around the world. This may already be general knowledge for some but we revisit the differences between the two investing methods.   News: The curious case of the RM12.50 lemon water The benefits of valuing time over money Weak ringgit affects healthcare costs See omnystudio.com/listener f...

How do you use financial dashboards to steer yourself to a healthy financial life ? Rajen Devadasen shares how you can use them to track your finances and cash-flow. News: RON95 should not cost more than RM1.06 a litre Petty food traders can't stomach rising costs Family of 16 sleep in shifts in a single room flat See omnystudio.com/listener for privacy information.

According to surveys, financial resolutions are among the top resolutions made by people globally. We look into some good ones you can make and also more importantly, how to keep them. News: Saving money from cutting off alcohol Malaysian ministers guide to saving money and raising income Mr SuperPlastic's 1,500 credit cards See omnystudio.com/listener for privacy information.

Another episode of Ringgit Ring-In with burning personal financial questions. See omnystudio.com/listener for privacy information.

Is bargaining just a matter of asking for an arbitrary low price? And should you be shy about bargaining? Liew Ooi Han, founder of savemoney.my shares his views. News: Star Wars is cheap entertainment amid inflation Condo speculators in a rush to sell OCBC Real Money Story Lending money to closed ones or charity? See omnystudio.com/listener for privacy information.

Given the rising demands on household expenses and pressing needs for retirement, it is timely to look out how we can optimise financial assets. See omnystudio.com/listener for privacy information.

We can all accrue points on our cards, but the hows and whys of spending them can be a mystery even after all the research and comparisons. Ross Cheong, Head of Content at iMoney.my clears it up. See omnystudio.com/listener for privacy information.

Many questions on insurance in this week's Ringgit Ring-In including whether one should get annually renewable term policies and investment-linked insurance products. Also is a gold investment account a good idea? OCBC Real Money Story The case of adult credit card spending and kids savings See omnystudio.com/listener for privacy information.

We speak to Mahdzir Othman, CEO of i-VCAP who are launching an Islamic agribusiness ETF. We ask why agribusiness conforms to sound investing principles. News - The Devil's Financial Dictionary - Myths of savings from a millenial OCBC Real Money Story - Saving for education of special needs child See omnystudio.com/listener for privacy information.

Today we look into the ubiquity of online financial portals that can be a big help towards personal financial management. News - Indonesia exchanges trash for healthcare - Making a living out of collectibles OCBC Real Money Story - Secret savings for wives See omnystudio.com/listener for privacy information.

Do you ever balk at selling investments that are not doing well? Should you sell them? Julian Ng speaks to Yap Ming Hui, Independent Financial Advisor from Whitman on how to cut losses. News - Aeon Credit comes under fire for expensive wedding proposal - Parents should kick out their adult squatters OCBC Tips to survive financial uncertainties. See omnystudio.com/listener for privacy information.

This month's call in session deals with investing and saving for the long term and pensions. OCBC Real Money Story - Playing Safe See omnystudio.com/listener for privacy information.

Ahead of tomorrow's Budget Day, we look into the sentiment on the ground and also some interesting personal management techniques like 'envelop', 'snowball' and 'snowflake'. Our guest is Ross Cheong, Head of Content from iMoney.my. OCBC Real Money Story: - Ringgit: Then and Now See omnystudio.com/listener for privacy information.

Liew Ooi Hann of Savemoney.my suggests some ideas to save smartphone costs that might involve some spending. News: - Give stocks to children instead of presents - Bread and butter issues by Alan Tong OCBC Real Money Story: - The issue of money in a relationship See omnystudio.com/listener for privacy information.

The Perbadanan Insurans Deposit Malaysia or PIDM protects your bank deposits and insurance so you don't have to worry about a bank run. News: - Hedge funds perform the worst since the global financial crisis - Bankrupt rapper spends more than 50 cents buying African mansion OCBC Real Money Story: - Selling a service during bad times See omnystudio.com/listener for privacy information.

A purely ROI (Returns on Investment) based investing may be detrimental to your financial goals. For instance, you may run the risk of putting too much focus on returns of a single stock. Net Worth Investing which looks at risks and returns of your assets holistically is better for your overall financial objectives. News: The difference between a financial advisor and a scam artist Diamonds are no...