Ringgit and Sense

Detailing all your expenses and deciding whether you can cut the list down is not stating the obvious in this age of conspicuous consumption and living beyond your means.

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It's well known that education can cost a lifetime of savings. The inconvenient truth to this is that parents risk under-funding their retirement.

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In Ringgit Ring-In, your personal financial questions are addressed by a qualified financial planner. This episode we answer questions about savings versus investing, and how under-30s can get on the property ladder.

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General insurance is often overlooked as the main focus is usually on life insurance. This is risky since healthcare risks and costs are rising. We also explore how you can get coverage for an inability to service home loans.

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Starting the savings habit young is an undeniable advantage but understanding why that is needed takes it one step further.

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In this episode of our call in show, it's all about insurance. What is the right coverage amount? Should we insure for children and children's education? What is the lowdown on investment-linked policies?

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We bring the fashion discussion from last week further to talk about the role of casual Fridays, uniforms and updates on our wallets.

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Developments in fast fashion has liberated our wallets but is it just a case of buying cheap clothes or are there other considerations? Azura Rahman from BFM's Style File tells us how to do it.

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Your lifetime income is equal to what you spend on core goals and money wasted on things that take us further away from those goals. The equation gives us a big picture of the things that matter in life. Rajen also shows us how to estimate our lifetime income quickly.

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The government recently in the revised budget reduced employee EPF contribution from 11% to 3% of salaries. We get the lowdown of whether this reduced EPF contribution raises payable taxes. 

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