Ringgit and Sense

The Morning Run Crew discusses useful financial tips for the year ahead based on memorable conversations in 2017.

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On today's Ringgit and Sense, we take a look at some of the lessons from the year, ranging from financial resolution and tax advise, to conversations about financial scams and how to deal with finance and relationships.

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Rajen takes us through the advantages of financial resolutions and ways to kickstart, renew and keep to our 2018 financial resolutions.

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We speak to Joyce about the ticking time bomb  in Malaysia. Malaysians are not  saving enough for emergencies and retirement. Joyce shares practical  tips on how we can save more money through implementing simple changes to our consumption patterns

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AS cliché as it may sound, there is nothing more certain than death and taxes.

While we cannot escape taxes, we can look into making sure that our taxes are calculated efficiently by correctly claiming the right reliefs and deductions applicable to us.

1. What are the deductions one can claim for to offset against their taxable income? Am I claiming the right amount of tax reliefs applicable to me?

2. What if I'm a married and working -- should I elect for a combine or separate assessment?

3. What are my rights and responsibility under a self assessment system?

4. First day to the job and do not have a tax file?

5. What happens if I just found out that I'm taxable but I haven't paid any taxes?

We ask Lim Phing Phing Director at PWC International Assignment Services.

Listen in.

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Robert shares his views on :-

1) Options available in the gig economy e.g freelancing, Uber/Grab, AirBnB type options, online businesses etc

2) Passive vs. active second income

3) How to save for investment and retirement if you work in the gig economy

4) Declaring taxable income if you work in the gig economy

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In this edition of Ringgit & Sense, Dawn Lai, CEO of RAM Credit Services, shares ways to mitigate the risks of data breaches as well as the wisdom of cultivating good financial habits, in order to have a high credit rating and to boost one’s appeal to obtain the best terms on financial products.

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In partnership with the domestic insurance industry, Bank Negara is set to roll out 'Perlindungan Tenang', a national branding and communication insurance platform. What will this mean for underinsured Malaysians? Antony highlights the lack of awareness of the need to be insured.

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Independent Financial Advisor Yap Ming Hui shares his insights on Budget 2018's impact on the individuals.

We discuss:

- How parents and families benefit 

- Impact on education for individuals and their children
- Affordable housing initiatives
- Your personal budget, regardless of the government budget and key ratios you need to look at to ensure that you are financially fit.

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Rajen speaks to us about the importance of multiple income streams, as well as asset and geographical diversification and what we need to do, to plan for financial contingencies.

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