Ringgit and Sense

In Ringgit Ring-In, your personal financial questions are addressed by a qualified financial planner. This episode we answer questions about EPF, PRS and their returns.

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The revised budget recently cut employee contribution to EPF by 3% points. This is an opt-out policy, which means that you’re assumed to be in this programme unless you sign out of it. We explore some financial planning aspects of this decision.

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What has come together let no one put asunder, so the saying goes. But if it goes asunder then it is practical to know how financial assets are split in a divorce or legal separation. 

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What if you had some amount of retirement money? How can you invest it in such a way that wouldn't tie up your funds so that you can have a regular income?

Or what if you had a property worth a lot of money? How can you use that to fund your retirement and at the same time continue to live in your home?

Deferred annuities and reverse mortgages are not products that are heard often in Malaysia.

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In Ringgit Ring-In, your personal financial questions are addressed by a qualified financial planner. This week we deal with saving your bonuses, property loans and credit card debts among other issues.

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Islamic-based financial products have been in the market for years now and increasingly gaining traction around the world. This may already be general knowledge for some but we revisit the differences between the two investing methods.

News:

The curious case of the RM12.50 lemon water

The benefits of valuing time over money

Weak ringgit affects healthcare costs

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How do you use financial dashboards to steer yourself to a healthy financial life ? Rajen Devadasen shares how you can use them to track your finances and cash-flow.

News:
RON95 should not cost more than RM1.06 a litre
Petty food traders can't stomach rising costs
Family of 16 sleep in shifts in a single room flat

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According to surveys, financial resolutions are among the top resolutions made by people globally. We look into some good ones you can make and also more importantly, how to keep them.

News:
Saving money from cutting off alcohol
Malaysian ministers guide to saving money and raising income
Mr SuperPlastic's 1,500 credit cards

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Another episode of Ringgit Ring-In with burning personal financial questions.

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Is bargaining just a matter of asking for an arbitrary low price? And should you be shy about bargaining? Liew Ooi Han, founder of savemoney.my shares his views.

News:
Star Wars is cheap entertainment amid inflation
Condo speculators in a rush to sell

OCBC Real Money Story
Lending money to closed ones or charity?

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