Ringgit and Sense

Why should you care about #CreditScores? Roshan speaks to Hann about the importance of credit scores as well as the dos & don'ts, how Credit Scores work and tips to maintain (or improve) your score.See omnystudio.com/listener for privacy information.

If you can afford it, is it a good time to buy a car with car sales down & lower interest rates? Roshan Kanesan speaks to Joyce Chuah, CEO of Success Concepts and licensed financial planner with Principal Asset Management on this. They also get into things to watch when getting a car loan, whether buying a car in cash is a good idea and possible merits of car subscriptions & e-hailing.See omnystudio.com/listener for privacy information.

What should we learn from the pandemic? How do we invest during a recession? Roshan speaks to personal finance blogger Aaron Tang, a.k.a. Mr. Stingy, on these as well as tips on managing finances and Aaron thoughts on recession. Photo was taken last year.See omnystudio.com/listener for privacy information.

With the way markets have been over the last decade, is value investing still relevant? On this episode, Roshan speaks to fund manager & investor Jack Kouzi about this, as well as investing principles, assessing stocks & what he would tell his younger self.See omnystudio.com/listener for privacy information.

On this episode we revisit BFM's Personal Finance Webinar from last week - How To Manage Your Family Budget During and After MCO. In this episode we revisit Fateen and Samantha's thoughts on practical tips on managing spending, the 3 jar system, the envelope system and addressing some questions that came in during the webinar, including whether to continue investing during this period.See omnystudio.com/listener for privacy information.

On this episode we revisit BFM's Personal Finance Webinar from earlier in the week - 'How to Construct Financial Plans that can Weather Any Crisis'. In particular this episode revisits attributes of a good plan, how much does a financial plan cost and a wide range of questions from the webinar watchers.See omnystudio.com/listener for privacy information.

Last week BFM hosted a personal finance webinar taking a look at the impact of the Movement Control Order on our personal finances and aimed to help you build a checklist to get your through this. In this episode of Ringgit and Sense we revisit the impact of the MCO to cash flow and how to balance between staying invested and raising money for financial needs. Catch the whole Facebook Live conversation here.See omnystudio.com/listener for privacy information.

What are the basics to planning for retirement? Is retirement realistic considering that we're living longer? What can the pandemic teach us about retirement planning? Roshan speaks to Pei Si about this and more on this episode of Ringgit & Sense.See omnystudio.com/listener for privacy information.

How do employment arrangements work in Malaysia? Can employers unilaterally cut salaries? What options do employees have if there are disagreements with employers? Roshan discusses all this and more with Labour and Industrial Relations Lawyer, Mohan Ramakrishnan, on this episode of Ringgit & Sense.See omnystudio.com/listener for privacy information.

Should you take up the current low interest rates and buy a house or a car? If you were already planning a big ticket purchase before the MCO, should you continue with it? What about how to put your money to work during this time, are dividend yields the way to go? What should you watch out for when looking at stocks with high dividends? Roshan discusses all this with financial planner, Joyce Chua on this episode of Ringgit & Sense.See omnystudio.com/listener for privacy information.

As the MCO and COVID-19 changes the way we work and live, is it maybe time to start a home business, especially if you're worried about incomes and job security? Roshan also speaks to Raymond about how to cut costs in our lives, making use of financial aid and the key lessons to take from this crisis.See omnystudio.com/listener for privacy information.

In our continued coverage of the Prihatin Stimulus Package and managing personal finances with the MCO and COVID-19 in mind, Roshan speaks to Idham about: - How to apply for aid in the Stimulus Package- Reasons to continue with the loan moratorium and how to manage it- Important lessons we have to learn from this crisis - How to look at investing right nowSee omnystudio.com/listener for privacy information.

BFM held its first ever webinar last week where we spoke to Nirmala of AKPK about loan moratoriums. Amongst the questions that we got into include: - What is a loan moratorium?- If I don't opt out, will I end up paying more?- How does it differ from a car loan to a mortgage?- What about converting my credit card debt into a term loan, what's the advantage there?- Will this impact my credit score? See omnystudio.com/listener for privacy information.

Plenty was announced during the Prihatin Rakyat Stimulus Package, so today we’re going to dissect & distil some parts that could be important to you. We got into cash aid from the Stimulus, thoughts on EPF withdrawals, concerns over unemployment & more.See omnystudio.com/listener for privacy information.

Plenty was announced during the Prihatin Rakyat Stimulus Package, so today we’re going to dissect & distil some parts that could be important to you. We got into cash aid from the Stimulus, thoughts on EPF withdrawals, concerns over unemployment & more.See omnystudio.com/listener for privacy information.

We speak to Ming Hui for his thoughts on managing your investments in this volatility and how to prepare financially for a crisis.See omnystudio.com/listener for privacy information.

It’s no secret that the market has been hit hard, not just in Malaysia but of course the globe. So today on Ringgit & Sense we’re going to try and address concerns around all the volatility we’ve seen and how we can best manage all the red in our portfolios.See omnystudio.com/listener for privacy information.

On this episode Roshan explores debt and bankruptcy with Nirmala of AKPK, getting into key pillars of debt management, options if you’re having issues with debt and the importance of a credit score.See omnystudio.com/listener for privacy information.

What is Value Investing? Is it for you? And if you’re already investing, how do you balance between being invested & holding cash to invest? Find out as Roshan speaks to Pauline for her investing journey, how she got into it and how she looks at investing considering the bull market over the last decade and high valuations. See omnystudio.com/listener for privacy information.

What is Value Investing? Is it for you? And if you’re already investing, how do you balance between being invested & holding cash to invest? Find out as Roshan speaks to Pauline for her investing journey, how she got into it and how she looks at investing considering the bull market over the last decade and high valuations. See omnystudio.com/listener for privacy information.

With the Tax Season incoming, Roshan gets into tax questions from listeners on this edition of Ringgit Q&A. Amongst the questions that were asked include: - Where do I start? - What are the differences between relief, rebate & exemption? - Should I file with my spouse? - How can I ensure I’m claiming everything I’m entitled for? - What happens if you are audited and don’t have a particular receipt for a tax-claimable item? - Do I need to do anything post-retirement in relation to income taxes and IRB?See omnystudio.com/listener for privacy information.

From Grab & GoJek to Alibaba & Razer, Digital Financial Services like e-wallets & roboadvisors are gaining traction but it goes beyond just those services. As the industry picks up steam both in Malaysia and the region, Roshan speak to Aadarsh to get an understanding of the landscape and the possible implications on consumers. Bain released a report on the future of Digital Financial Services with Google and Temasek earlier this year.See omnystudio.com/listener for privacy information.

From Grab & GoJek to Alibaba & Razer, Digital Financial Services like e-wallets & roboadvisors are gaining traction but it goes beyond just those services. As the industry picks up steam both in Malaysia and the region, Roshan speak to Aadarsh to get an understanding of the landscape and the possible implications on consumers. Bain released a report on the future of Digital Financial Services with Google and Temasek earlier this year.See omnystudio.com/listener for privacy information.

Talking about money in relationships can be tricky, so in conjunction with Valentine's Day, Roshan speaks to Aaron and Suraya to get their thoughts and tips on this; including how they talk to their partners about money, best practices, whether they handle finances and budgets together as well as the challenges they've faced. Aaron also gets into his experience planning his wedding and the lessons that can be learnt from it.See omnystudio.com/listener for privacy information.

Talking about money in relationships can be tricky, so in conjunction with Valentine's Day, Roshan speaks to Aaron and Suraya to get their thoughts and tips on this; including how they talk to their partners about money, best practices, whether they handle finances and budgets together as well as the challenges they've faced. Aaron also gets into his experience planning his wedding and the lessons that can be learnt from it.See omnystudio.com/listener for privacy information.

To buy or not to buy a house? That is generally a question we get here on Ringgit & Sense. Following on from our first Ringgit Q&A last week, today we speak to Julian Ng to dive into his perspective on property, consideration when buying or renting and his take on a decision formula here. Roshan also asks him about the concentration and liquidity risks that come with buying property, taking advantage of rental yields as well as Julian's thoughts on REITs. Julian also gets into the advantages of buying a home, if you can afford it.See omnystudio.com/listener for privacy information.

And starting today, every last Thursday of the month will be Ringgit Q&A sessions! Today, Roshan and Joyce focused on questions around investing, from basic investing strategies and how to think about saving for retirement, as well as what kind of returns we should aim for and thoughts on property.See omnystudio.com/listener for privacy information.

And starting today, every last Thursday of the month will be Ringgit Q&A sessions! Today, Roshan and Joyce focused on questions around investing, from basic investing strategies and how to think about saving for retirement, as well as what kind of returns we should aim for and thoughts on property.See omnystudio.com/listener for privacy information.

What does financial freedom mean? How do we attain it? Rajen gives his thoughts here as well as his formula which starts with building your active income, managing debts and building your passive income in the longterm.See omnystudio.com/listener for privacy information.

What does financial freedom mean? How do we attain it? Rajen gives his thoughts here as well as his formula which starts with building your active income, managing debts and building your passive income in the longterm.See omnystudio.com/listener for privacy information.

It's no secret that insurance penetration in Malaysia is well below our targets, and Ravinder thinks that the way to address this is through a national scheme championed by the government, but how would something like that look like? We also talk about a project he's been helping out on, Life Engineering. This platform aims to use a sense of community and crowdfunding to cover medical care costs, instead of insurance, but is this viable option?See omnystudio.com/listener for privacy information.

It's no secret that insurance penetration in Malaysia is well below our targets, and Ravinder thinks that they way to address this is through a national scheme championed by the government, but how would something like that look like? We also talk about a project he's been helping out on, Life Engineering. This platform aims to use a sense of community and crowdfunding to cover medical care costs, instead of insurance, but is this viable option?See omnystudio.com/listener for privacy information.

How much do you need for retirement? Is the EPF basic requirement of RM240,000 really enough? What can you do to maximise your EPF? What is EPF Account 1 and Account 2? Roshan Kanesan gets into all these and more with Balqais Yusoff for an EPF perspective on retirement planning.See omnystudio.com/listener for privacy information.

It's the new year! Do you have resolutions for 2020? Well if need some help there, Roshan speaks to Mr Stingy & Suraya Zainudin on their tips & thoughts for goal setting in 2020! They get into their own goals, systems they use, general thoughts on goal setting and some tips from their experience.See omnystudio.com/listener for privacy information.

It's the new year! Do you have resolutions for 2020? Well if need some help there, Roshan speaks to Mr Stingy & Suraya Zainudin on their tips & thoughts for goal setting in 2020! They get into their own goals, systems they use, general thoughts on goal setting and some tips from their experience.See omnystudio.com/listener for privacy information.

Can fintech replace banks? Roshan speaks with Bikesh about the FinTech scene here in Malaysia, from its importance to consumers and our wallets as well as how it can enable more people to access capital markets through equity-crowd funding and raise funding. We also get into the Putrajaya LIFT 2019 happening this weekend.See omnystudio.com/listener for privacy information.

Can fintech replace banks? Roshan speaks with Bikesh about the FinTech scene here in Malaysia, from its importance to consumers and our wallets as well as how it can enable more people to access capital markets through equity-crowd funding and raise funding. We also get into the Putrajaya LIFT 2019 happening this weekend.See omnystudio.com/listener for privacy information.

As digital services and online payments become more popular, it's very important to protect yourself from the increase in online scams and fraud. Roshan speaks with Subhashish about what to watch out for, how to better protect yourself and why the festive season is generally a time to be more cautious with online payments. See omnystudio.com/listener for privacy information.

As digital services and online payments become more popular, it's very important to protect yourself from the increase in online scams and fraud. Roshan speaks with Subhashish about what to watch out for, how to better protect yourself and why the festive season is generally a time to be more cautious with online payments. See omnystudio.com/listener for privacy information.

Today on Ringgit and Sense, Roshan gets into the Private Retirement Scheme, especially as the year ends and people look for ways to maximise their tax reliefs. However if you've already got EPF, do you need to lock up your money with a PRS as well? Roshan gets into fees and competition for PRS funds, as well as a look at REITs as Manulife looks to Asia Pacific for its Reit funds.See omnystudio.com/listener for privacy information.

Digital Investment Management, or roboadvisors, look to be a cheaper and easier tool for investing over the long term. On this episode, Roshan speaks to a new entrant into the Malaysian scene, Mytheo, about the benefits of using a service like this for your money, their own offering as well as best practices for investing. If you've got questions, comments, suggestions or stories, please get in touch with over email at [email protected] or tweet us at @ringgitandsense.See omnystudio.com/listener for privacy information.

Digital Investment Management, or roboadvisors, look to be a cheaper and easier tool for investing over the long term. On this episode, Roshan speaks to a new entrant into the Malaysian scene, Mytheo, about the benefits of using a service like this for your money, their own offering as well as best practices for investing. If you've got questions, comments, suggestions or stories, please get in touch with over email at [email protected] or tweet us at @ringgitandsense.See omnystudio.com/listener for privacy information.

In light of the fact that we’re entering the last month of the year, Roshan speaks to tax consultant Thannee about how best to prepare for your next tax filing, especially when it comes to maximising tax relief to pay the right amount of taxes. They also talk about how to deal and prepare for an audit and Thannee's thoughts on Budget 2020.See omnystudio.com/listener for privacy information.

When should you start a retirement fund for your child? How much does a kid cost today? How do we teach kids about money and finances? In conjunction with World Children's Day, Roshan addresses these with Steve Lim, as well as teaching the value of money, managing instant gratification, showing the power of compounding interest, and more. If you've got questions, comments, suggestions or stories, please get in touch with over email at [email protected] or tweet us at @ringgitandsense.See omnystudio.com/listener for privacy information.

When should you start a retirement fund for your child? How much does a kid cost today? How do we teach kids about money and finances? In conjunction with World Children's Day, Roshan addresses these with Steve Lim, as well as teaching the value of money, managing instant gratification, showing the power of compounding interest, and more. If you've got questions, comments, suggestions or stories, please get in touch with over email at [email protected] or tweet us at @ringgitandsense.See omnystudio.com/listener for privacy information.

Roshan speaks to Joyce about the practicality of the FIRE movement as well as calculating and re-thinking retirement.See omnystudio.com/listener for privacy information.

Roshan explores houses, renting & car loans with Robert and also talks about the upcoming Ringgit And Sense Live happening in 2 weeks.See omnystudio.com/listener for privacy information.

Have you written your will? Do you even need one? Roshan explores this with Sheila, as well as what makes a good will, when you should write one and more. They also get into the role depositories play in the estate planning ecosystem.See omnystudio.com/listener for privacy information.

Money and finance can be complicated matters and the question often comes up, do you need a financial advisor? And if you do, where do you start or how do you choose an advisor? Roshan addresses these questions and more with Alvin Tan, President of the Association of Financial Advisors. They also get into fee-only versus commission based financial planning.See omnystudio.com/listener for privacy information.

Money and finance can be complicated matters and the question often comes up, do you need a financial advisor? And if you do, where do you start or how do you choose an advisor? Roshan addresses these questions and more with Alvin Tan, President of the Association of Financial Advisors. They also get into fee-only versus commission based financial planning.See omnystudio.com/listener for privacy information.