Ringgit and Sense

Given the rising demands on household expenses and pressing needs for retirement, it is timely to look out how we can optimise financial assets.

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We can all accrue points on our cards, but the hows and whys of spending them can be a mystery even after all the research and comparisons. Ross Cheong, Head of Content at iMoney.my clears it up.

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Many questions on insurance in this week's Ringgit Ring-In including whether one should get annually renewable term policies and investment-linked insurance products. Also is a gold investment account a good idea?

OCBC Real Money Story
The case of adult credit card spending and kids savings

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We speak to Mahdzir Othman, CEO of i-VCAP who are launching an Islamic agribusiness ETF. We ask why agribusiness conforms to sound investing principles.

News

- The Devil's Financial Dictionary
- Myths of savings from a millenial

OCBC Real Money Story
- Saving for education of special needs child

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Today we look into the ubiquity of online financial portals that can be a big help towards personal financial management.

News
- Indonesia exchanges trash for healthcare
- Making a living out of collectibles

OCBC Real Money Story
- Secret savings for wives

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Do you ever balk at selling investments that are not doing well? Should you sell them? Julian Ng speaks to Yap Ming Hui, Independent Financial Advisor from Whitman on how to cut losses.

News
- Aeon Credit comes under fire for expensive wedding proposal
- Parents should kick out their adult squatters

OCBC Tips to survive financial uncertainties.

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This month's call in session deals with investing and saving for the long term and pensions.

OCBC Real Money Story

- Playing Safe

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Ahead of tomorrow's Budget Day, we look into the sentiment on the ground and also some interesting personal management techniques like 'envelop', 'snowball' and 'snowflake'. Our guest is Ross Cheong, Head of Content from iMoney.my.

OCBC Real Money Story:
- Ringgit: Then and Now

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Liew Ooi Hann of Savemoney.my suggests some ideas to save smartphone costs that might involve some spending.

News:

- Give stocks to children instead of presents
- Bread and butter issues by Alan Tong

OCBC Real Money Story:

- The issue of money in a relationship

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The Perbadanan Insurans Deposit Malaysia or PIDM protects your bank deposits and insurance so you don't have to worry about a bank run.

News:

- Hedge funds perform the worst since the global financial crisis
- Bankrupt rapper spends more than 50 cents buying African mansion

OCBC Real Money Story:

- Selling a service during bad times

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