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.com

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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 Out

See 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 Low

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 Low

See 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 Low

See 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?

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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.