Ringgit and Sense

It’s a wonderful thing to be able to say you are newly debt-free. Paying off your debt is like being handed a blank piece of paper on which to write the next chapter of your life. But while many of us aspire to be debt free, the reality is that most of us will have to live with debt until old age. Is this a bad thing though? How can you make debt work for you and live with it positively? What are the important factors to consider when in debt? Felix Neoh of Finwealth Management answers all these questions. Image credit: Shutterstock.comSee omnystudio.com/listener for privacy information.

Filing for bankruptcy can feel like you’ve hit the financial equivalent of rock bottom. While it does wipe out your old debt, bankruptcy is a mark on your credit record and it can affect one’s emotional and mental health as well. But it is important to remember that bankruptcy is not the end of the road and there are ways to get out of it. Nirmala Subramaniam of AKPK and licensed professional counsellor Heeran Kaur speaks to Sim Wie Boon on this. Image credit: Shutterstock.comSee omnystudio.com/listener for privacy information.

People are living longer than ever, thanks to modern medicine and advances in technology but this has brought about a new dilemma as children born of older parents are often faced with an unexpected cost down the road: becoming a young caregiver. Taking care of your parents is not an easy role. And even if you're not the one directly providing the care, it can lead to emotional and financial stress. In conjunction with International Day for Older Persons, Sim Wie Boon speaks to Rajen Devadason of RD WealthCreation and Linnet Lee of FPAM to get their advice on how to budget for the care of your elderly, what are the considerations and why is this important. Also, for more information on Malaysia Financial Literacy Month and other related events, please refer here https://smartfinance.my/, here https://www.investsmartsc.my/, and here https://worldfpday.org/global-events/ Image credit: Shutterstock.comSee omnystudio.com/listener for privacy information.

Key highlights from our Ringgit and Sense webinar touching on the importance of investing, how it fits in with your financial planning, the types of asset classes to choose from, and some tips on how to pick stocks. For the full conversation, check out the FB Live session here: https://www.facebook.com/BFMradio/videos/536760667585566 Image credit: Shutterstock.comSee omnystudio.com/listener for privacy information.

What are some of the financial planning lessons to take away from the pandemic? How do you build yourself back up after losing your savings and what are the common mistakes made during the financial crisis triggered by Covid-19? Should you have taken the moratorium or even dip into your EPF? Licensed financial planner Joyce Chuah answers all these questions and more with Sim Wie Boon on this episode of Ringgit and Sense. Image credit: Shutterstock.comSee omnystudio.com/listener for privacy information.

The rise of robo-advisors has taken the world by storm and grown in popularity especially with millennials and Gen Z. But as exciting as this development has been, is it the be all, end all financial solution? What of the human touch? Sim Wie Boon speaks to licensed financial planner Yap Ming Hui of Whitman Independent Advisors for his views on the limitations of robo-advisors and how to better integrate it into your investment portfolio. Image credit: Shutterstock.comSee omnystudio.com/listener for privacy information.

What is Financial Independence or Financial Freedom? Are they basically fancy words for retirement? Roshan Kanesan gets into all this and more with writer Aaron Tang, founder of Mr-Stingy.com, and Stephen Yong, Licensed Financial Planner with Wealth Vantage Advisory. Roshan also explores their views on how to achieve financial freedom, thoughts on the FIRE movement and the 4% rule, and ‘Why Retire Anyway?’. Other episodes to check out: > 5 Steps To Jumpstart Your Retirement Planning > No Risk, No Retirement? > Wealth Protection, Accumulation, And Distribution: What, Why, And How? > Mr. Money TV On Retirement Planning, Compounding, and MistakesSee omnystudio.com/listener for privacy information.

Balancing your portfolio means setting up a portfolio that fits your individual risk tolerance and investment goals. But it isn't enough to just "set it and forget it." You also need to make sure your portfolio stays balanced, which is known as rebalancing. Roshan Kanesan explores the importance of asset allocation and portfolio rebalancing with Rajen Devadason, Licensed Financial Planner with Manulife Investment Management Malaysia Berhad. Among other things, they get into the Rule of a 110, methods of rebalancing, common mistakes, and whether events like a market crash should trigger us to rebalance. Other episodes to check out: > Bitcoin and Roboadvisors: How Do They Fit In A Portfolio? > Why Do You Need Different Assets In Your Portfolio? > Is Gold Still A Stock Market Hedge? > 5 Things You Should Know Before Buying A StockSee omnystudio.com/listener for privacy information.

Buy and Hold is simple, but can go incredibly wrong as investors of Enron or Blockbuster Video would know. And with current stock market valuations bringing back Dotcom parallels, some are worried that the next bubble pop could be around the corner. Roshan Kanesan dives into how to invest for the long term with fund manager Jack Kouzi, Director of Australian Financial Services Licensee VFS Group. They get into not just surviving the bubbles but also thriving regardless of where markets are heading or how volatile things get. Other episodes to check out: > Why Does The US Federal Reserve Matter To Malaysians? > 5 Things You Should Know Before Buying A Stock > Fund Manager’s 5 Key Investing Lessons From 2020 > Mr Stingy's 10 Investing Principles > How To Invest While Managing Anxiety?See omnystudio.com/listener for privacy information.

What should you watch when looking at bank stocks? When it comes to the stock market investing, the banking sector can be an attractive one for a variety of reasons including yield, but not all banks are created equal, so as a budding, rising, or experienced investor, what should you watch when looking at banking stocks? Roshan Kanesan explores this with Liew Wai Hoong, Banking Analyst with RHB Research. They get into the main income drivers of a bank, the key financial metrics and factors to watch, and whether banks are for dividends, capital gains, or both. Other episodes to check out: > 5 Things You Should Know Before Buying A Stock > How To Analyse And Choose Good REITs > How To Analyse Property Stocks In Malaysia > Fund Manager’s 5 Key Investing Lessons From 2020See omnystudio.com/listener for privacy information.

Insurance is a vital pillar of personal finance, but what if for some reason, you can’t get insurance? How does this change your financial planning, and more importantly, how do you then prepare and protect yourself? Roshan Kanesan explores this with VP Thanga, Executive Director and Licensed Financial Planner, with Blueprint Planning. Other episodes to check out: > Life & Health Insurance: What, Why, And How Much? > Wealth Protection, Accumulation, And Distribution: What, Why, And How? > 5 Steps To Jumpstart Your Retirement Planning Background image credit: Shutterstock.comSee omnystudio.com/listener for privacy information.

Following up from our episode last week on BNPL - or Buy Now, Pay Later - today on the show Roshan Kanesan expands the conversation on credit and debt, and take a look at what good debt management looks like with writer Suraya Zainuddin of ringgitohringgit.com and Licensed Financial Planner Idham Idris from Wealth Vantage Advisory. Other episodes to check out: > Buy Now, Pay Later: Good, Bad, or Complicated? - > Wedding Planning: Critical Advice, Common Mistakes, And Taking On Debt > Bankruptcy: Basics, Impacts, And Way OutSee omnystudio.com/listener for privacy information.

Buy Now, Pay Later (BNPL), easy credit to help with cash flow or a debt trap in waiting? Roshan Kanesan speaks to Idham Idris, Licensed Financial Planner with Wealth Vantage Advisory, and Suraya Zainudin, founder and writer at ringgitohringgit.com, to find out. Other episodes to check out: > Emergency Cash: How Much and How To Keep it > Loan Moratorium: Should You Opt-In? > Wedding Planning: Critical Advice, Common Mistakes, And Taking On Debt > Bankruptcy: Basics, Impacts, And Way Out See omnystudio.com/listener for privacy information.

Emergency cash buffers are vital, but how much do you need to set aside and where should you keep the cash? Roshan Kanesan explores this with Annie Hor, Licensed Financial Advisor with Harveston Financial Advisory. They also get into differences between savings accounts, fixed deposits, and money market funds. Image credit: Shutterstock.com Other episodes to check out: > Loan Moratorium: Should You Opt-In? > Wealth Protection, Accumulation, And Distribution: What, Why, And How? >  3 Fixed Deposit Alternatives As Rates Stay LowSee omnystudio.com/listener for privacy information.

Emergency cash buffers are vital, but how much do you need to set aside and where should you keep the cash? Roshan Kanesan explores this with Annie Hor, Licensed Financial Advisor with Harveston Financial Advisory. They also get into differences between savings accounts, fixed deposits, and money market funds. Image credit: Shutterstock.com Other episodes to check out: > Loan Moratorium: Should You Opt-In? > Wealth Protection, Accumulation, And Distribution: What, Why, And How? >  3 Fixed Deposit Alternatives As Rates Stay LowSee omnystudio.com/listener for privacy information.

So should you opt-in for the loan moratorium? Roshan Kanesan explores this with Annie Hor, Licensed Financial Advisor with Harveston Financial Advisory. They’ll get into how to make this decision, how to utilize this moratorium, and what this could mean for your payments later on. Image credit: Shutterstock.com Other episodes to check out: > Emergency Cash: How Much and How To Keep It > Wealth Protection, Accumulation, And Distribution: What, Why, And How? >  3 Fixed Deposit Alternatives As Rates Stay LowSee omnystudio.com/listener for privacy information.

Buying a property outright isn’t the only way to invest in property, REITs provide another, more diversified, avenue. Instead of buying one particular property, you can get access to the rental from a diversified pool of property depending on the REIT. Roshan Kanesan speaks to DBS’s Banks Derek Tan to learn more about REITs and the key things to watch before investing in one, from revenue generation and cost management to interest rates and other macroeconomic factors. Other shows you might like > Buying Property - First 5 Steps, 4 Common Mistakes, And More > How To Analyse Property Stocks In Malaysia > 5 Things You Should Know Before Buying A Stock > Active V Passive Investing: Which Is Better? > Wealth Protection, Accumulation, And Distribution: What, Why, And How?See omnystudio.com/listener for privacy information.

Earlier this year Aaron Tang, a.k.a Mr. Stingy, took another step in his personal finance journey and engaged a licensed financial planner. Roshan Kanesan speaks to him about: > How this has helped Aaron and whether it's been worth it > Whether he agreed with all the recommendations > What to watch if someone is thinking about getting a licensed financial planner > At what point should someone seriously look at a planner, considering the price point Other episodes you might like: > Mr Stingy's 10 Investing Principles > Mr. Stingy's Lessons From the Pandemic and Recession Investing > Money & Relationships With Mr. Stingy And ‘Ringgit Oh Ringgit’See omnystudio.com/listener for privacy information.

Financial literacy an ongoing process that can be a little daunting considering how much information is out there. So for some guidance here, Roshan Kanesan speaks to Aaron Tang a.k.a. Mr-Stingy.com, about how he learned about money, some of his favourite resources, and how he turns knowledge into actions. Other episodes you might like: > Mr Stingy's 10 Investing Principles > Mr. Stingy's Lessons From the Pandemic and Recession Investing > Money & Relationships With Mr. Stingy And ‘Ringgit Oh Ringgit’See omnystudio.com/listener for privacy information.

Financial literacy an ongoing process that can be a little daunting considering how much information is out there. So for some guidance here, Roshan Kanesan speaks to Aaron Tang a.k.a. Mr-Stingy.com, about how he learned about money, some of his favourite resources, and how he turns knowledge into actions. Other episodes you might like: > Mr Stingy's 10 Investing Principles > Mr. Stingy's Lessons From the Pandemic and Recession Investing > Money & Relationships With Mr. Stingy And ‘Ringgit Oh Ringgit’See omnystudio.com/listener for privacy information.

The most popular part of personal finance is the accumulation of wealth, but it's extremely important to think about how to protect the wealth you build, and how to distribute it when you’re gone. Roshan Kanesan speaks to Licensed Financial Planner Rajen Devadason to get a better understanding of how all this works together, its importance in your life, and things to keep an eye on. Rajen Devadason is a Licensed Financial Planner with Manulife Investment Management Malaysia Berhad. Other episodes you might find valuable: > Life & Health Insurance: What, Why, And How Much? > 5 Steps To Jumpstart Your Retirement Planning > No Risk, No Retirement? > What To Watch When Reviewing Your Investments And Insurance > How Do I Start My Family Financial Plan?See omnystudio.com/listener for privacy information.

Should I buy and hold index funds for the long term or actively trade to beat the market? That’s the essential debate between active and passive investing. To get a better understanding of active and passive investing, and which one might be for you, Roshan Kanesan speaks with Ben Johnson, Director of Global ETF Research with Morningstar Research Services. They get into fund performances, how fees factor into performance, what to watch when looking at fund facts sheets, and a look at Malaysian data on fund performance and survivorship. Other episodes you might like: > Mr Stingy's 10 Investing Principles > How To Analyse Property Stocks In Malaysia > How To Invest While Managing Anxiety? > Bitcoin and Roboadvisors: How Do They Fit In A Portfolio? > 5 Steps To Jumpstart Your Retirement PlanningSee omnystudio.com/listener for privacy information.

ESG has become a much bigger topic over the last few years, but is it for you? Roshan Kanesan speaks to Raymond Tang, CEO of Eastspring Investments, about the basics of ESG investing, what to watch, risks involved, and more.See omnystudio.com/listener for privacy information.

We’re coming to the middle of the year, which means it’s soon time for a mid-year review! But how do we go about doing a financial review and why is it so important? Roshan Kanesan dives into this with Licensed Financial Planner Yap Ming Hui of Whitman Independent Advisors. Other episodes you might like: > Life & Health Insurance: What, Why, And How Much? > How To Invest While Managing Anxiety? > 5 Steps To Jumpstart Your Retirement Planning > No Risk, No Retirement? > 3 Fixed Deposit Alternatives As Rates Stay LowSee omnystudio.com/listener for privacy information.

Whether single, married, if you have dependents you need a financial plan to not just provide, but protect them. Today on the show, Roshan Kanesan gets into the basics of family financial planning with a focus on debt, insurance, and the importance of estate planning. He speaks with Nirmala Supramaniam, Head of Financial Education Department at the Credit Counselling and Debt Management Agency (AKPK), and Fateen Rosli, Licensed Financial Planner with Wealth Vantage Advisory. Other episodes you might like: > Wedding Planning: Critical Advice, Common Mistakes, And Taking On Debt > Life & Health Insurance: What, Why, And How Much? > 3 Fixed Deposit Alternatives As Rates Stay Low > 5 Steps To Jumpstart Your Retirement Planning > 4 Ways To Teach Kids About MoneySee omnystudio.com/listener for privacy information.

Luno, StashAway, and Wahed Invest are just a few names that have risen in the WealthTech and FinTech space in Malaysia. How could these new tools fit in your portfolio? Roshan Kanesan speaks to Stephen Yong, Licensed Financial Planner from Wealth Vantage Advisory, and Vincent Fong, Chief Editor of Fintech News Malaysia, to explore this space and its place. Other episodes you might like: > Why Do You Need Different Assets In Your Portfolio? > Bitcoin 101 - Is It The New Gold? > Is Gold Still A Stock Market Hedge? > 5 Things You Should Know Before Buying A StockSee omnystudio.com/listener for privacy information.

As tax season comes to an end, Roshan Kanesan takes a forward look to our next tax filing and dives into ways to optimise your taxes to pay the right amount, not too much and definitely not too little.See omnystudio.com/listener for privacy information.

Is retirement realistic? The concept was kicked off in 1889 by German Chancellor Otto von Bismarck, establishing the concept for the rest of us, but the average lifespan back then was just 43. And if it still is, how do we achieve it given the current challenges we face? Roshan Kanesan explores this with Rajen Devadason, CEO of RD WealthCreation, and Licensed Financial Planner with Manulife Investment Management Malaysia Berhad.See omnystudio.com/listener for privacy information.

Is EPF enough for retirement? How do I calculate my retirement needs? Should I take out EPF money to invest? Roshan Kanesan addresses these retirement planning questions & more with licensed financial planner Idham Idris of Wealth Vantage Advisory. Other shows you might like: > 5 Things You Should Know Before Buying A Stock > 5 Steps To Get Women Investing > Why Do You Need Different Assets In Your Portfolio? > Fund Manager’s 5 Key Investing Lessons From 2020 > Mr Stingy's 10 Investing PrinciplesSee omnystudio.com/listener for privacy information.

Red flags, common mistakes, types of scams, and what to do, Roshan Kanesan gets into all this and more with Linnet Lee, CEO of FPAM. Most importantly they address how you and your loved ones can avoid getting scammed out of hard earned money and retirement funds. Link noted in the show: www.bnm.gov.my/list-of-approved-and-registered-intermediaries Other shows you might find helpful: > Common Money Mistakes To Avoid In 2021 > With Cybercrime On The Rise, How Do We Better Protect Ourselves? > 5 Things You Should Know Before Buying A Stock   > Side Gig Income and Profits from Shares - Taxable?  > Mr Stingy's 10 Investing Principles Non-Exhaustive List of Reliable Sources > www.sc.com.my/regulation/enforcement/investor-alerts/sc-investor-alerts > www.sc.com.my/investor-empowerment/lodge-a-complaint/capital-market-service-related-complaints > www.iosco.org/investor_protection/?subsection=investor_alerts_portal > www.bnm.gov.my > www.investsmartsc.mySee omnystudio.com/listener for privacy information.

If you’ve taken on a side gig to supplement your income or made money from shares, you might want to catch Roshan Kanesan's chat with tax consultant Thanneermalai about what income is taxable & what isn’t. They also wrap up the conversation with some tax filling and document preservation tips. See omnystudio.com/listener for privacy information.

Whether you invest in US stocks or not, the Fed plays a pivotal role in global equity markets, as its actions in the US have rippling effects globally, but why is this so? Roshan Kanesan explores with Lim Chia Wei, Senior Portfolio Manager at Affin Hwang Asset Management. They also break down quantitative easing, why rising Treasury yields sparked a market sell-off, and the potential consequences of the unprecedented monetary policy. Other shows that might interest you: > 5 Things You Should Know Before Buying A Stock > How To Analyse Property Stocks In Malaysia > Why Do You Need Different Assets In Your Portfolio? > Fund Manager’s 5 Key Investing Lessons From 2020 > Mr Stingy's 10 Investing PrinciplesSee omnystudio.com/listener for privacy information.

How do we overcome the narrative that not enough women are investing or taking charge of their financial lives? Roshan Kanesan speaks to licensed financial advisor Annie Hor for her personal observations, tips, and advice, on how to better empower women financially. They also get into the behavioural differences observed in men and women, overcoming fears of risk, and Annie's first 5 steps when guiding her female clients to get more involved in investing. Other shows that might interest you: > 5 Things You Should Know Before Buying A Stock > Buying Property - First 5 Steps, 4 Common Mistakes, And More > Women & Investing: Advice, Behaviours and Relationships > Money & Relationships With Mr. Stingy And ‘Ringgit Oh Ringgit’ > Wedding Planning: Critical Advice, Common Mistakes, And Taking On DebtSee omnystudio.com/listener for privacy information.

Should you buy property in 2021 with lowered rates and the homeownership campaign? What are the first steps I should take? What are the common mistakes people make? Roshan Kanesan discusses all this and more with licensed financial planner Joyce Chuah. They also get into whether renting is a waste of money, whether to use EPF money for property, and how much is too much to commit to monthly loan payments. Other shows that might interest you: > How To Analyse Property Stocks In Malaysia > Property: Rent, Don't Buy? > Why Do You Need Different Assets In Your Portfolio? > 5 Things You Should Know Before Buying A StockSee omnystudio.com/listener for privacy information.

Cheap, expensive, or fairly valued? What are important factors or metrics that investors should pay attention to when looking at different property developers? Roshan Kanesan explores this with Loong Kok Wen, Head of Regional Property Sector at RHB Research Institute. They also get into the struggles of the current property players, the factors that drive profitability, the importance of the general economy to the sector, and red flags to watch out for. Other shows you might find helpful: > 5 Things You Should Know Before Buying A Stock > Why Do You Need Different Assets In Your Portfolio? > Are Stock Splits Pointless? > What To Watch When Buying REITs and Dividend Stocks?See omnystudio.com/listener for privacy information.

Want to invest in stocks but don’t know where to start? What is the bare minimum you should know before buying a stock? What does a PE ratio mean and why is it important? Roshan Kanesan explores all this and more with fund manager Danny Wong, CEO of Areca Capital. Other shows you might find helpful: > Why Do You Need Different Assets In Your Portfolio? > Fund Manager’s 5 Key Investing Lessons From 2020 > Mr Stingy's 10 Investing Principles > Are Stock Splits Pointless? > What Can You Learn From Billionaire Warren Buffett?See omnystudio.com/listener for privacy information.

How much does a wedding cost? Should you take on debt? How do you manage familial and societal expectations? In conjunction with Valentine's Day, Roshan Kanesan explores all this and more with recently married personal finance writer Suraya Zainudin and Nirmala Subramaniam from the Credit Counselling and Debt Management Agency (AKPK).See omnystudio.com/listener for privacy information.

Healthcare can have a major impact on your finances if you’re unprepared, so today in conjunction with World Cancer Day, Roshan Kanesan explores key parts of insurance and healthcare planning with VP Thanga, executive director and Licensed Financial Planner with Blueprint Planning. They get into life, critical care, and medical insurance, as well as common questions like ‘do I need my own medical insurance if I have insurance from my company?’ and how to prioritise if you’re financially constrained. Image Credit: wan wei / Shutterstock.comSee omnystudio.com/listener for privacy information.

Having trouble tracking your expenses or managing overspending? Not sure if you should maximise your tax relief? Wondering if there are simple methods to manage cash flow? Then listen to this episode of Ringgit and Sense! Roshan Kanesan explores all this with Licensed Financial Planner Fateen Rosli, focusing on simple expense management, general money management tips, and tax relief optimisation. Other episodes you might like! > 3 Fixed Deposit Alternatives As Rates Stay Low > Tips On Avoiding Scams And Other 2020 Lessons > How To Invest While Managing Anxiety? > Fund Manager’s 5 Key Investing Lessons From 2020See omnystudio.com/listener for privacy information.

As Fixed Deposit rates fall in this low-rate environment, what are your alternatives? Roshan Kanesan finds out with Licensed Financial Planner Yap Ming Hui, and breaks down his 3 alternatives. Other Episodes You Might Be Interested In: > How To Invest While Managing Anxiety? > Mr Stingy's 10 Investing Principles > Should You Move EPF Money To Invest? > What Can You Learn From Billionaire Warren Buffett? > Fund Manager’s 5 Key Investing Lessons From 2020See omnystudio.com/listener for privacy information.

Need help setting goals for 2021? Roshan Kanesan speaks to Licensed Financial Planner Kevin Neoh and financial blogger Raymond Tan for their thoughts, tips, and tricks for better goals in 2021. Other episodes you might find useful: - Money Goal Tips with Mr. Stingy and ‘Ringgit Oh Ringgit’ - Key Tax Tips for 2021 - Fund Manager’s 5 Key Investing Lessons from 2020 - Common Money Mistakes To Avoid in 2021 - Tips on Avoiding Scams and Other 2020 LessonsSee omnystudio.com/listener for privacy information.

What are the key money lessons to learn from 2020? Roshan Kanesan gets into this with Linnet Lee, CEO of the Financial Planning Association of Malaysia (FPAM), with a focus on avoiding scams, estate planning, and setting aside funds for investing. You can also check out some of these other related episodes to prepare for 2021! - Key Tax Tips For 2021 - Fund Manager’s 5 Key Investing Lessons From 2020 - Common Money Mistakes To Avoid In 2021 - What Makes A Great Will? - How To Invest While Managing Anxiety? - Mr. Money TV On Retirement Planning, Compounding, and Mistakes - Scams, Fraud and Online Payments - How Can You Better Protect Yourself?See omnystudio.com/listener for privacy information.

On this edition of Ringgit and Sense, Roshan Kanesan explores the pillars of financial planning and the common mistakes people make, so that you can avoid them in 2021. With the help of Samantha Yeoh, Licensed Financial Planner with Wealth Vantage Advisory, they explore cash flow, investing, protection, tax, and estate planning. Image Credit (Background): kamarulzamanganu / Shutterstock.com You can also check out some of these other episodes to prepare for 2021! - Key Tax Tips For 2021 - Fund Manager’s 5 Key Investing Lessons From 2020 - What Makes A Great Will? - How To Invest While Managing Anxiety? See omnystudio.com/listener for privacy information.

Central bank influence, retail investor power, and currency risk - some of the key investing takeaways from the rollercoaster year that has been 2020. Roshan Kanesan dives deeper into these points, and more, with fund manager Jack Kouzi, Director of Australian Financial Services Licensee VFS Group.See omnystudio.com/listener for privacy information.

Warren Buffett is the world's 6th richest person and is considered one of the greatest investors alive, having reportedly achieved an annual average return of 20.5% since 1965. So what can you learn from the Oracle of Omaha about money and life? Roshan Kanesan explores with Rajen Devadason, Licensed Financial Planner with Manulife Investment Management Malaysia Berhad. Image Credit: EPA-EFESee omnystudio.com/listener for privacy information.

Do I need to pay income tax? What income is taxable? What tax reliefs should I be paying attention to? What is a tax deduction? Do I need to pay taxes from selling sneakers? As 2020 comes to a close, Roshan Kanesan gets into all these questions and more with tax consultant Thanneermalai. With less than 30 days to maximise your tax reliefs, this little refresher hopes to help clarify the tax reliefs to watch, as well as some tax basics and best practices when filing. Image Credit: Doucefleur / Shutterstock.comSee omnystudio.com/listener for privacy information.

Investing is important but it can be difficult, complicated or even scary to not just start, but to keep going. So today on the show, Roshan Kanesan hopes to make investing a little less intimitading with the help of financial blogger Aaron Tang, who shares his thoughts, philosophy, and principles on investing. Photo was taken last year.See omnystudio.com/listener for privacy information.

How can we better teach kids about money and personal finance? That’s the question Roshan Kanesan explores today, in conjunction with Universal Children’s Day happening tomorrow. Educator and author, Raymond Gabriel, breaks down financial literacy for kids, gets into tips for parents, and go-to fundamentals to help guide parents should things go off-tangent. People Systems Consultancy works with kids on financial literacy. Raymond is also the author of the book "Money Quotient." Image Credit: ShutterstockSee omnystudio.com/listener for privacy information.

Malaysia’s largest-ever budget was announced last week, but what’s in it for you? Roshan Kanesan gets into Budget 2021 with a focus on the modified loan moratorium, new EPF withdrawal options, and the increased lifestyle tax relief. Photo taken last year.See omnystudio.com/listener for privacy information.

Tomorrow, Budget 2021 takes centre stage at Parliament, but before that happens, Roshan Kanesan explores: - how the budget works with a focus on understanding the debt-ceiling and how government debt works - as well as tax reliefs to watch out for, whether existing or new. Brought to you by Mah Sing.See omnystudio.com/listener for privacy information.