Ringgit and Sense

It's not unusual for one to be in debt - after all, the most common debt carried by Malaysians is a mortgage. However, it can be crushing if you have a very high debt-to-income ratio, so we speak to Nur Sofina Binti Mohamad Johari, Wealth Advisor at UOB Kay Hian Wealth Advisors Sdn. Bhd about how to manage debt, and the dos and don’ts when you’re trying to start afresh financially.

See omnystudio.com/listener for privacy information.

It's not unusual for one to be in debt - after all, the most common debt carried by Malaysians is a mortgage. However, it can be crushing if you have a very high debt-to-income ratio, so we speak to Nur Sofina Binti Mohamad Johari, Wealth Advisor at UOB Kay Hian Wealth Advisors Sdn. Bhd about how to manage debt, and the dos and don’ts when you’re trying to start afresh financially.

See omnystudio.com/listener for privacy information.

• Our central bank, Bank Negara Malaysia, is in charge of adjusting the Overnight Policy Rate (OPR), but what is the OPR? How does it work, and how does the central bank decide whether to increase, decrease, or maintain the OPR? Amy Ghani, Senior Economist at Bank Negara reveals some of the inner workings of our central bank regarding monetary policy.

Image Credit: shutterstock.com

See omnystudio.com/listener for privacy information.

The number of bankrupts in Malaysia is rising with many people having misconceptions as to what the legal status entails. Gerald Samuel, a lawyer with 35 years of experience practicing in Singapore and Malaysia, now running his own firm, explaining the intricacies of bankruptcy laws in Malaysia and how it is not the end of the road.

Image Credit: Shutterstock

See omnystudio.com/listener for privacy information.

With digital payments being increasingly adopted in Malaysia, it's more important than ever to be on the lookout for scams that target e-wallets and banking apps. Vijayadurai Singgatore, Manager of BNMLINK, Bank Negara Malaysia tells us about some common examples of these scams, and how to use digital payments safely.

Image Credit: shutterstock.com

See omnystudio.com/listener for privacy information.

Living wills are a legal instrument that allows us to make choices as to how we’d like to live and be medically treated in the event we can’t make these decisions any more. However its not recognised in Malaysia but are there exceptions to this? Oon Hooi Lin, a lawyer with 29 years of legal experience practising at Messrs Gerald Samuel tells us.

Image Credit: Living Will by Nick Youngson/ CC BY-SA 3.0/ Alpha Stock Images.

See omnystudio.com/listener for privacy information.

There are a whole slew of horror stories out there about Malaysians drowning in credit card debt, but is that the whole picture? Stephen Yong, Executive Director of Wealth Vantage Advisory and licensed financial planner talks to us about the pros and cons of using credit cards.

Image Credit: shutterstock.com

See omnystudio.com/listener for privacy information.

Most millennials in Malaysia, according to the Bursa, don’t have active trading accounts, and a big reason for that might be the perceived high barrier to entry into the stock market. Ng Zhu Hann, CEO & Founder, Tradeview Capital and author of Once Upon a Time in Bursa gives us a lowdown on how to start valuing and trading stocks.

Image Credit: shutterstock.com

See omnystudio.com/listener for privacy information.

Death and taxes are unavoidable but loans might also classify as few of us would be able to buy a house with cash. How then should we navigate this world of loans that has its own terminology? Karl Ng, Founder of Bluebricks, a local loan agency helps us make sense of this.

Image Credit: freepik.com

See omnystudio.com/listener for privacy information.

The share price rally of the Magnificent Seven has been astounding but how does one actually value a technology company? How do you differentiate substance from hype?  Kelvin Goh, a portfolio manager at R3 Asset Management Pte Ltd will help us answer that question and more.

See omnystudio.com/listener for privacy information.