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PODCAST

Ringgit and Sense

Sharper and stronger than a double espresso. The Morning Run stretches your mind and braces you for the business day. It"s your fast track into work where you can hit the ground running. From 6am to 10am weekdays, the Morning Run brings you the biggest stories and must-listen-to interviews. Stay enlightened, make educated business and investment decisions.

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All Episodes

22:17

Women, Leaning In To Be Financially Independent

Ringgit and Sense ·

2023/07/05

Women make up half of the Malaysian population, but yet fall behind in terms of salary and often take career breaks. Should women then plan when it comes to their finances. Rejina Rahim, co-founder of Wahine Capital helps us with that question whilst giving women some important career tips.See omnystudio.com/listener for privacy information.

en-US

22:17

Money Matters In Marriage And Divorce

Ringgit and Sense ·

2023/06/21

Money may not buy love but it often is a cause for divorces. So, what are some of the practical issues that we need to be aware before matrimony and even when the the love flounders. Siew Choon Jern, a family lawyer from the firm Douglas Yee Advocates & Solicitors gives us his views.Image by: ShutterstockSee omnystudio.com/listener for privacy information.

en-US

21:00

How To Ride The Global Silver Tsunami

Ringgit and Sense ·

2023/06/14

In 2023, baby boomers will be celebrating birthdays between the ages of 59 and 77. And by 2030, one in six people in the world will be aged 60 years or over. Malaysia is of course no exception to this global trend with the World Bank we’ll have 20% of the population to be aged by 2056, giving us the status of a “super-aged nation”. So what happens to us when we grow old in a country that is experiencing an ageing crisis? What impact does it have on our wallet and cost of living? Rajen Devadason of

en-US

20:32

The Age Old Question: To Buy Or Rent A Home?

Ringgit and Sense ·

2023/06/07

Should you buy or rent a home? The arguments for and against have evolved over the years. There are now more factors in play – the pandemic and resultant work-from-home practices, for instance, have provided more incentive for people to own their own residential property. But the rising interest rate environment along with growing cost of living and low wages has made it difficult for someone to own a home. So how can we make this decision? We turn to Felix Neoh of Finwealth Management for some

en-US

20:44

The Singleton's Guide To Financial Security

Ringgit and Sense ·

2023/05/31

For many singleton nowadays, there’s something far more pressing on their minds than putting a ring on it: financial security. People with a partner or spouse generally have someone helping out with expenses, as well as a built-in caregiver to lean on. For those who are getting older, are single and childless, that lack of a default support system poses additional challenges as they age. So what do you do when you’re planning for your retirement but have no one to lean on? Joyce Chuah of Success

en-US

21:47

How To Choose The Right Financial Planner

Ringgit and Sense ·

2023/05/24

What’s the difference between a financial planner, advisor, wealth manager and money coach? How do you decide who is better for your financial needs? Sim Wie Boon unpacks this with Desmond Chong of the Malaysian Financial Planning Council.See omnystudio.com/listener for privacy information.

en-US

26:31

The Malaysian Credit Landscape

Ringgit and Sense ·

2023/05/17

Earlier this year, credit reporting agency CTOS, in collaboration with Monash University Malaysia’s School of Business conducted a study looking into the state of consumer credit in Malaysia for 2022. The study found that the average credit score of Malaysian consumers stood at 678 points in 2022 which means that while most Malaysians will be able to qualify for a wide range of credit products, they may not be getting the best deals on the market. So to run through the key highlights of this study,

en-US

20:49

Why FIRE Can Burn You In The End

Ringgit and Sense ·

2023/05/10

If you're a personal finance enthusiast, you would've heard of Financial Independence, Retire Early aka FIRE, a movement which encourages people to attain financial independence as early as possible, working hard, saving a lot, and cutting expenses extremely. All this is so one canretire as early as possible, some even as early as 30. But in the backdrop of the pandemic and changing economic landscape, is this line of thinking still hot on everyone’s mind? Financial planner, Rajen Devadason shares

en-US

24:07

Beware Online Scams

Ringgit and Sense ·

2023/04/26

Continuing our two part episode focusing on scams, Ooi Beng Cheang of FPAM comes on the show again this time to talk about online scams. He shares tips on how to spot online phishing scams, what to do when you're caught in one and what you can do if you fall for one.Image credit: ShutterstockSee omnystudio.com/listener for privacy information.

en-US

19:00

Phone Scams, How To Identify Them And How To Protect...

Ringgit and Sense ·

2023/04/19

Last week, news came out that 73% of mobile phone numbers, equivalent to more than 21 million people in Malaysia, were leaked or sold to scammers. This is especially concerning given that the cases of scams have been increasing at an exponential rate here. In a special two part episode, Sim Wie Boon speaks to Ooi Beng Cheang of FPAM to understand how these scams work and how to protect yourself from them.Image credit: ShutterstockSee omnystudio.com/listener for privacy information.

en-US

23:09

Making Money The Sharia Way

Ringgit and Sense ·

2023/04/12

Over the past decade, options for Sharia compliant investments and financing have grown tremendously cementing Malaysia as the world's third-largest Islamic banking market. We speak to Rafiq Hidayat of Wealth Vantage Advisory to understand the values behind Sharia investing and what makes Sharia investing, Sharia compliant. Image credit: ShutterstockSee omnystudio.com/listener for privacy information.

en-US

24:12

How To Make Money When Interest Rates Are Rising

Ringgit and Sense ·

2023/04/05

Since 2020, the US Federal Reserve has been raising the federal funds rate to 4.75-5% in an attempt to tame the rampant inflation that has reached 40-year highs. As a result central banks all around followed suit and raised their interest rates as well putting an end to the era of ultra low rates which saw many making money in equity markets and properties. In Malaysia, Bank Negara has been raising the overnight policy rate to 2.75% from 1.75% in 2020, the lowest level on record. Chong Jin Yoong

en-US

22:09

Why Is It Important To Talk Money With Your Other Half?

Ringgit and Sense ·

2023/03/29

No matter how in love you are with your partner, money can make it or break it in your relationship. Hence it is important to talk about your finances with your other half. Licensed financial planner shares some tips and advice on how to approach this issue. Image credit: ShutterstockSee omnystudio.com/listener for privacy information.

en-US

22:02

EPF As Loan Collateral - Good Or Bad?

Ringgit and Sense ·

2023/03/22

Earlier this month, Finance Minister Datuk Seri Anwar Ibrahim suggested allowing contributors of the EPF to take bank loans by using their contribution as collateral instead of adhering to calls by certain people to again allow withdrawals from the fund. Licensed financial planner Shing Yee Ling talks about the idea behind this, what kind of impact it would have and what to do to ensure you have a safe retirement.Image credit: ShutterstockSee omnystudio.com/listener for privacy information.

en-US

24:22

Why Insurance Matters

Ringgit and Sense ·

2023/03/15

Life is often uncertain and unpredictable, hence it is necessary to ensure you and your family are protected from any unforeseen life events. Whether it’s planning for retirement, or protecting your loved ones in your absence, a health crisis or even a car accident, these are situations that can be frustrating if you’re not prepared, hence the importance of insurance. Licensed financial planner Rajen Devadason shares his thoughts on insurance and why it's an essential cost.Image credit: PixabaySee

en-US

22:54

Investing Through A Stormy 2023

Ringgit and Sense ·

2023/03/08

With the US Federal Reserve still poised to hike rates as it seeks to tame inflation and a turbulentglobal economy plaguing markets, how can one keep their cool and stay invested? This topic was explored in the recent BFM Ringgit and Sense Investing Through a Stormy 2023 event where we discussed the state of the market and how it impacts your financials. Tune in to catch a summarised recap of the event.See omnystudio.com/listener for privacy information.

en-US

19:12

Budget 2023 Redux: What's In It For You

Ringgit and Sense ·

2023/03/01

Budget 2023 was recently re-tabled in parliament with the theme: “Developing Malaysia Madani” which encapsulates the message of upholding sustainability, prosperity, innovation, trust, respect as well as care, and compassion. The revised Budget 2023 features a slew of initiatives like tax cuts for the M40, luxury taxes and other incentives. We unpack what's in it for you with tax expert Thanneermalai Somasundaram of Thannees Tax Consulting Services.Image credit: ShutterstockSee

en-US

18:38

Recession And Retrenchment, How Do You Prepare For It?

Ringgit and Sense ·

2023/02/22

Signs of a recession are everywhere. From your groceries getting more expensive to companies looking to tighten their belts, it's crucial that you take this time to plan out your finances. This is especially important in the event that you lose your job. Stephen Yong of Wealth Vantage Advisory shares some advice on how to prepare for a recession and what to do if you get retrenched.Image credit: ShutterstockSee omnystudio.com/listener for privacy information.

en-US

22:36

The Issue Of Our Youth In Debt

Ringgit and Sense ·

2023/02/15

A recent finding by UCSI showed that more than 70% of Malaysian youths are in debt with factors such as financial constraint, inflation and luxurious lifestyle being the main drivers. The issue of our youth falling in debt has been a long standing issue that seems to be growing year by year. What can be done about it and why are they falling into such perils? Nirmala Supramaniam of AKPK shares her thoughts on this episode of Ringgit and Sense.Image credit: ShutterstockSee omnystudio.com/listener for

en-US

20:33

Life After Retirement, To Work Or Not To Work?

Ringgit and Sense ·

2023/02/08

On today’s episode of Ringgit and Sense, we look at life after retirement, do you or do you not work? Do you have a choice? Because if you look at the numbers from EPF, it looks like many of us will have to work even after we pass the retirement age of 60. Licensed financial planner Joyce Chuah of Success Concepts comes on the show to talk about retirement and how you can un-retire yourself.Image credit: ShutterstockSee omnystudio.com/listener for privacy information.

en-US

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