Ringgit and Sense

The cost of sending your children to university is so exorbitant that proper planning is essential. Surprisingly, there are also cheap or free alternatives. News: - US cost of raising a child till age 18 goes up sharply - Advising the ultra-rich - Inclusive Capitalism Conference attempts to quell capitalism backlash - Is Giant wrong to sell shark meat at RM9.99/kg? Tip: Start a college education f...

It won't be long before we can buy unit trust and investment schemes from around the region under the Asean Collective Investment Scheme (CIS) Framework. This will enable shopping for the best-managed and cost efficient funds. We discuss the key points this framework. News: EPF Q1 return rate averages about 1.5% Bankruptcy registers an alarming 32% jump Five things that are cheapest in the world's...

Buying too late, chasing prices, selling during crashes - these are some actions that make our investments perform worse than what the market actually achieves . We discuss how our emotions affect our long term investment returns and how to avoid behavioural pitfalls in investing. News: - Malaysia GNI per capita hits US$10k - Singapore's CPF raises savings floor - China urges banks not to deal wit...

The idea of retirement is undergoing transformation. It is no longer a singular moment at 60 but an alignment of wants, health and funding at many different points of your life. Plus: world personal finance news and money tip-of-the-day. See omnystudio.com/listener for privacy information.

Debt management is a serious issue that probably ranks up there with health. Madam Koid Swee Lian of Agensi Kaunseling dan Pengurusan Kredit (AKPK) wants to help you do that. Plus world personal finance news and money tip-of-the-day. See omnystudio.com/listener for privacy information.

Brigitte Miksa, Head of International Pensions for Allianz Asset Management talks to us about the retirement conundrum: living longer but with chances of being poorer. She addresses the plight of widowed women, a state that is the biggest predictor of old-age poverty. Plus: world personal finance news and money tip-of-the-day See omnystudio.com/listener for privacy information.

iMoney CEO Lee Ching Wei discusses how home loan refinancing could be used to your advantage. We also bring you a news snippet from the world of personal finance and the money tip-of-the-day. See omnystudio.com/listener for privacy information.

Lars Kroijer questions how many investors are smart enough to do better than market returns. His answer may surprise some of us. See omnystudio.com/listener for privacy information.

We take a look at how the national budget will affect the personal budgets of people and whether there is any impact on long term financial objectives. See omnystudio.com/listener for privacy information.

Should you invest in the Technology Sector Fund or the Vietnam Fund or how about the Asia Ex-Japan Tactical Fund? You wouldn't want to miss the final series of "How To Be Your Own Financial Planner" which will help clear the confusion about the thousands of fund options to choose from in the market. See omnystudio.com/listener for privacy information.

Part 3 of the series discusses asset allocation within the Malaysian context with a focus on how EPF (Employees Provident Fund) and property can distort the asset allocation process. How the establishment of a will or estate can affect lifestyle choices is also discussed. See omnystudio.com/listener for privacy information.

Part 2 of the series discusses  asset allocation - the process of dividing our investments into the various asset classes - and its three broad categories. See omnystudio.com/listener for privacy information.

Financial planning is an important tool in achieving financial independence, be it for retirement or for your children’s education. In light of that, BFM’s new 4-part series aims to provide you with the basic understanding of investments - so that if you can’t afford a professional financial planner, you can be your own.   Part 1 of the series discusses the four major asset...

Mun Wai and Joyce of Success Concepts share their perspectives on how you can create your financial bucket list. See omnystudio.com/listener for privacy information.

An unexpected situation or emergency can cause people to make rash financial decisions, so in today's episode David Chew and Julian Ng share how important it is to have alternative resources. Additionally, Azura Rahman talks to Ching Wei Lee of Imoney.my and helps to find sensible altenatives while not incurring more debt. See omnystudio.com/listener for privacy information.

Azura Rahman speaks to KP Bose, Trainer and Finance Consultant about personcal finance and tax lietracy at the workplace. See omnystudio.com/listener for privacy information.

In this episode of Ringgit and Sense, David Chew introduces a new host to the show, Julian Ng! While Azura Rahman discovers the best online resources for personal finance from KC Lau of kclau.com. See omnystudio.com/listener for privacy information.

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Yap Ming Hui, an Author and Independent Financial Advisor helps to debunk some financial myths. He also shares the services that independent financial advisors do provide and what you should expect. See omnystudio.com/listener for privacy information.

Wondering why you're always short of money at the end of the month or where all your extra money is going? Joyce Chuah and Lee Mun Wai of Success Concepts talk to Azura Rahman about the "The Latte Factor" where they explain how we are unconciously spending money on unnecessary items. Listen in and learn how you can kick these bad habits! See omnystudio.com/listener for privacy information.

Jeevindra Kumar explains his book "Investing in Disturbing Times" and diversification of investments. He also clears up the misconception of investing offshore. See omnystudio.com/listener for privacy information.

Ching Wei Lee of iMoney shares the pros and cons of 'plastic money'. See omnystudio.com/listener for privacy information.

Learn to make legal 'Trust' arrangements. This episode of Ringgit and Sense helps to educate people in fully utilising Trusts. See omnystudio.com/listener for privacy information.

The wonders of smartphones are never ending, there are just Apps for everything! Kashminder Singh of Mobile World Magazine recommends the best personal finance Apps. See omnystudio.com/listener for privacy information.