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"gold"

[SPONSORED] HelloGold’s Co-Founder Interviewed Me

I’m used to interviewing founders and CEOs, but it’s quite rare that I get interviewed by them!

That’s what we did in this Ringgit Oh Ringgit x HelloGold collaboration. In this video, HelloGold’s Co-Founder Ridwan Abdullah asked me a bunch of questions, ranging from the website, my investments and my thoughts on gold. It was fun answering them and I may have laughed too much.

We talked about:

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[SPONSORED] What You Should Know About Gold Prices In 2008-2018

As someone who keeps gold and regularly checks the price, I thought I’d cover the gold price movement in the last decade. Here’s what happened to gold prices between 2008 until mid-2018. Think of this article as an explanation of the 10-year historical gold price chart below.

gold prices
The price of gold from 2008-2018, per kilo (for some reason can’t change setting to grams)

For the benefit of this article, I’ll use price of gold per gram, not per kilo. Most people track the price that way anyway (unless they’re from the US, in which case they use ounces).

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[SPONSORED] 20+ Interesting Gold Coin and Gold Bar Designs

If you’re keen to collect something, why not collect gold coins and gold bars? They tend to appreciate in value in the long run. If you get bored of your collection or need money, you can resell it and get back what you paid (and perhaps more than that). You can’t say the same for most other collections.

In this collaboration post with buysilvermalaysia.com (which actually sells a lot of gold too despite the name), we would like to share some interesting gold coin and gold bar designs for your visual pleasure. Your inner pirate will appreciate this.

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Ringgit Oh Ringgit Christmas Giveaway: Gold, Crypto and More!

christmas giveaway

EDIT: Giveaway over; all prizes claimed! Thanks for your participation, everyone 🙂

Ringgit Oh Ringgit Christmas Giveaway is back! And I have a LOT to giveaway this year, thanks to the generous sponsors!

What Christmas Giveaways are available?

There are gold, cryptocurrencies, newspaper subscriptions and book vouchers up for grabs in SIX raffles. You can enter one or ALL of them, up to you. Prizes:

  • 1 x winner for RM200 in bitcoin from Ringgit Oh Ringgit + 1 year of Focus Malaysia subscription
  • 1 x winner for RM200 in Ethereum from Luno + 1 year of Focus Malaysia subscription
  • 1 x winner for RM200 in gold from HelloGold + 1 year of Focus Malaysia subscription
  • 1 x winner for RM200 in Zcoin + 1 year of Focus Malaysia subscription
  • 6 x winners for 1 year of Focus Malaysia subscriptions
  • 1 x winner for RM100 in Kinokuniya vouchers from Ringgit Oh Ringgit

The sponsors, in 6 words or less:

  • Ringgit Oh Ringgit – Suraya’s personal finance blog
  • Focus Malaysia – Weekly business newspaper
  • ZCoin – Privacy-focused cryptocurrency
  • Luno – Bitcoin and Ethereum exchange, accepts MYR
  • HelloGold – Keep gold as low as RM1

Note: Interested to be a sponsor? Comment here and I’ll get back to you 🙂

How to enter and win the Christmas giveaway

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[SPONSORED] 5 Common Questions About Gold Investment, Answered

gold investment

Since my early 20s, I keep a little gold as part of my investment portfolio. The process was more or less:

In this article, and in collaboration with HelloGold – an app-based platform to buy and keep gold investment – I’d like to share some common questions about gold investment.

#1 – How much gold should I keep?

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5 Interesting Info I Found in the Bank Negara Malaysia Website

So I got bored one night and decided, hey, this is a good time as any to dick around in the Bank Negara Malaysia website.

Why not? I’m curious about what information is available on their website. Like many of you, I know that BNM plays an important role in our financial ecosystem, even if I don’t know how exactly.

First impression of the homepage – nice layout, easy enough to navigate. The lack of https in http://www.bnm.gov.my/ bothers me a little bit, if I’m honest.

(All images in this article were taken from the Bank Negara Malaysia website. Please don’t sue me.)

bank negara malaysia website

As I clicked around, closing down tabs with too many words on them – remember, I’m doing this activity for leisure – I found some pretty interesting stuff. Here are some of them:

#1 – Proper handling of banknotes

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13 Malaysians Share How They Diversify Investments

What did you pick as your first investment? Your second? Third? And so on?

As always, when I got curious about anything personal finance, I turn to the crowd. I asked the RoR Facebook community about their first, second and third investments. How did they interpret the common advice to ‘diversify your investments’, and how does the order look like?

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Budget Update: August 2019

budget update august 2019

Budget Update: August 2019

Have you ever used learning as an excuse to NOT do something? Like, in a “oh I can’t possibly do that yet, I’m still learning about it” way.

Yeah. Hi. Can I join the club?

Creating video content is that thing that I’m forever ‘learning’. So far, in the last couple of years, I’ve:

  • Asked many people for advice
  • Bought some equipment
  • Bought a video-editing software
  • Bought and went through courses (including one in August designed to conquer the fear of being on camera, a course called ‘Confidence on Camera’)
  • Made a looooong list of possible video content angles

And yet – and yet! – at time of writing, I still can’t bring myself to actually do it. The only reason why I have a Ringgit Oh Ringgit Youtube channel set up (if you want to be an early subscriber…) is because I need a place to house a collaboration video done with HelloGold.

On one hand, ok fine baby steps. On another hand, this baby needs to grow the hell up.

Someone smack some sense into me please. Or suggest video content you want to watch, maybe that might help. I don’t know.

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[SPONSORED] I Asked Hard Questions to the CEO of PIDM 

As I sat down with Rafiz Azuan Abdullah, the CEO of PIDM or Perbadanan Insurans Deposit Malaysia and asked my questions, it occurred to me that this man is truly at peace with doing a thankless job. 

If you’re unfamiliar with what PIDM does, they are basically a government authority that provides protection for your deposits, as well as takaful and insurance benefits in the unlikely event a PIDM member institution fails.  

For example, let’s say Bank X somehow goes bankrupt and you have RM10k saved there. As Bank X is a PIDM member bank, PIDM will make sure you get your RM10k back immediately.

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