NEW ARTICLE! Is it a good idea to get a car loan? A house loan? The (annoying but) normal answer to that is ‘it depends’, but here’s an alternative answer - check your financial health first. Claim your FREE CTOS report at Bit.ly/ctoscares, or read in depth article about CTOS credit report in ringgitohringgit.com (link in bio) #sponsored #CTOS #CTOSCares #personalfinancemalaysia #checkCTOS #semakCTOS

NEWLY LAUNCHED - Online trading platform MIDF Invest by MIDF (Malaysian Industrial Development Finance) Initial thoughts: ✅ Buy US stocks and ETFs from Malaysia ✅ Regulated by SC ✅ Currently 0% brokerage fee for trades under USD1000 until 31 July ✅ Has Syariah screener to easily filter halal stocks & ETFs ❎ Technically not the cheapest possible option to buy US stocks (but it is cheaper than local current offering, AND a safe option compared to online brokers unregulated in Malaysia, AND depositing money is instant instead of taking a few days/stuck for weeks) ❎ Beta version works well, but I can't apply the filter for some reason. Will try again since just launched and all Have added RM1000 to test out. Review coming soon in ringgitohringgit.com ? Ps - here at RoR I'm not interested in trading (ie frequent buy frequent sell) nor individual stock picking. More interested in the variety of ETFs they have, esp those in promising sectors to keep for long term #midf #midfinvest #personalfinancemalaysia #stockinvesmentmalaysia #saham #sahamsyariah #pelaburansaham #pelaburan #etfinvesting

Thanks Fintech News Asia for having me as one of the panelists. Glad to hear of some BNPL players doing self-regulation in the interest of protecting consumers. I maintain that it's better to practice delayed gratification not instant gratification. Save up, buy later > buy now, pay later Watch the rerun on Fintech Fireside Asia channel #bnpl #fintechnewsasia #buynowpaylater

NEW ARTICLE! Done with two modules, two more to go before I get to use the CFP - Certified Financial Planner - title ? (not that I want to be one. Idk yet. Taking this just to prove yes I do know my finance shit) Read Part 2 of my CFP journey and basically what they taught me in modules 1 and 2 in ringgitohringgit.com ? #cfpmalaysia #certifiedfinancialplanner #fpam #financialplanningmalaysia

Problem: undependable Internet due to spotty WiFi from telco Solution: pocket WiFi device from @travelrecommends_my to use as backup Not a sponsored post, I just genuinely found this service helpful. It automatically detects and connects to the strongest signal so it's better than taking WiFi dongle from individual telco provider. Plus, no contract and deposit too. Price is also very affordable, a great alternative for people who don't have/cannot have home WiFi. I DEPEND on the Internet to work so I'm glad this option is available, so sharing with you as a happy user ? #travelrecommends #smallbusinessmalaysia #onlinebusinessmalaysia #malaysiablogger #malaysiacontentcreator #contentcreatormalaysia

UPDATED ARTICLE! When people ask me where/how should they start, I always pass this article first. I've structured it so people know (1) where they're at, and (2) what financial action they should focus on now, when they are overwhelmed by the many things they are told they should do Read it at ringgitohringgit.com ? Read it again even if you've read it before - I added new info. And it's always good to have a refresher anyway #personalfinancemalaysia #financialfreedommalaysia #financialindependencemalaysia

EASY CONTEST ALERT Do you have any payments you need to make to govt agencies? Things like purchase Self-Employment Social Security Scheme from SOCSO, pay saman at JPJ counter, set up monthly EPF self-contribution etc? If so, check if you can do it via cashless method via FPX, DirectDebit, JomPAY or MyDebit and pay BEFORE 30 June 2020. You’ll get automatic entry in CashlessBoleh campaign by PayNet, and you could win a car! More info on the campaign: bit.ly/3gWYqwj #CashlessBoleh #PayNet #DirectDebit #FPX #JomPAY #MyDebit #peraduan #contestmalaysia

NEW VIDEO! What Chrome extensions do you LOVE using? Any of them help you save money, like this one that shows you price history for items on Shopee? Find out the extensions and watch the demos at Ringgit Oh Ringgit YouTube channel and tell me what you think ?? #personalfinancemalaysia #shoppingmalaysia #shoppingmalaysiaonline #malaysiayoutuber #ringgitohringgit

When it comes to picking which telco to use, last time I relied on 'try out and see how' method. It wasn't very efficient, and at some points downright frustrating too. So save yourself some time, use the OpenSignal hack This tip works best for people who rely on their phone for work/study. If you have home WiFi, at then maybe other factors are more important for you ? What phone plan are you using now? Why that one? #personalfinancemalaysia #telcomalaysia #maxis #digi #celcom #opensignal

Me to me: Suraya, jangan berkira sangat bab medical. Tak apa lah bayar RM800 untuk custom retainer + teethguard sebab memang lahir ada masalah bruxism (teeth grinding). Jangan kedekut nak jaga gigi sebab gigi tu nak pakai lama. Syukur je lah ada duit extra boleh bayar cas dentist OK Ppl with bruxism - go get teeth guard. Custom costs around rm300-400. The retainer is extra charge for me cos I had braces If really cannot, make do with sports teeth guard. Not as comfortable but just to prevent the worse. If your teeth grind grind grind until hit nerve, it'll be more painful AND more expensive