Ringgit and Sense

Malaysians buy a lot of cars. But there are now alternatives to avoid the costs of car ownership.

News

Inequality rises in Malaysia

Zeti: Indebtedness caused by "social pressures"

Aussie bank gets Shonky award for dodgy service

Tip

Save money from not buying a car.

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All it takes is a default of just RM30,000 to have bankruptcy proceedings started against you. To state the obvious, a bankrupt status is like a millstone hung around one's neck. We look into how bankrupts can clear their name and into the business of such offering such services.

News

Alibaba develops ETFs in China

Norway fund studies China investment

PTPTN cuts off non-BR1M Qualifiers

Orman frowns on retiree students

Tip

Know How Much You Can Gamble Away

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We discuss your personal finance issues with the help of a professional financial planner.

- Is insurance important to have or a must-have?

- How much should you spend a month for life/health insurance?

- If GST will be on motor insurance and riders, should I switch to Takaful since it is GST exempt?

- I own a rental property with my wife. Can I have the tenancy agreement in her name only, which would mean only she is taxed for the whole rental income?

- Should I have more than one insurance policy?

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We look into the GST in greater detail and see whether there are options for the consumer to strategise dealing with it.


News:

Youth bankruptcy on the rise

Mid- to small-cap stocks get battered

Tip:
Think long term when thinking about inflation

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Believe it or not, there are ways to manage the imminent GST and subsidy cuts. Part of it is psychological.

News

Fink is not Gross

Swedes Go Cashless

Tip

Money and Mind are Linked

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Liew Ooi Hann, co-founder of savemoney.my talks to us about a survey on what Malaysians want in the upcoming budget. Whether they get them or not would be a different matter as the media and industry have started get word of what to expect. You can also adopt a personal strategy of how to deal with the imminent GST.

News

New Pr1ma scheme likely to be introduced

Malaysian youths want milk and money

Tip

Know your SST and GST

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A Look Into Korean ETFs

Samsung is well-known for it's consumer electronics but they also do finance and are one of the biggest issuers of ETFs in Korea. We look into the development of ETFs in Korea and come to the same conclusion - that the low-cost nature of ETFs will continue to fuel migration of investments into these products.

News

Septuagenarians and above should take their money out of EPF

Property affordability occupying Budget wishlist

The ultra rich don't think about or need returns

Biz owners don't think about personal finance

Tip

There's a whole world out there.

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We discuss your personal finance issues with the help of a professional financial planner.

- What to do with RM 2,000?

- Should you invest in oil palm?

- Helping your mom invest.

- Gold investment options.

- Anything to the Forex investment hype?

- Good time to buy property?

- Insurance policies that are not tied to an investment plan

- Is there a list of certified financial planners available?

- Ideal amount for retirement.

- Am I holding too much cash?

- Should I invest in Alibaba stocks?

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With Malaysia Day established as a national public holiday, we look into what East Malaysians on the ground feel about their income levels. The lack of financial planning services in Sabah & Sarawak has also made investing into property a lot more prominent than others.

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In Malaysia interest rates have already risen by 0.25% and are expected to rise again by another 0.25% over the next 6 months.Today we look into the plight of the fixed income investor, where bond prices will come down as interest rates go up and at the same time, bond investors also suffer from very low bond yields. What should we do?

News:
- Average Household Income over RM 5,900 a month, says minister
- RM5,900 average household income? Lies, damned lies and statistics, says MP.
- Affordability and rising prices still a concern for property hunters.

Tip:
Duration measures bond breakeven in years according to changes in interest rates.

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