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"gold"

[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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10 Best Books to Learn About Investing, According to Malaysians (With Video Summaries)

Spoiler alert: the best books to learn about investing will never teach you about getting rich fast and making quick money.

Instead, they almost always focus on playing the long game, discussing the right mindset and building a strong foundation in understanding fundamentals, like how the economy works.

At least, that’s what I learned when I asked for best book recommendations specific to investing in a personal finance group. It was kind of a humble pie moment – I thought I read a lot, but I’ve only read one out of the 10 books on this list!

For your (and my) benefit, I’ve compiled the recommendations here, along with their video summaries. Here are some best books to learn about investing, suitable for beginners as a starting point all the way to experts to use as refresher material.

#1 – Rich Dad, Poor Dad by Robert Kiyosaki

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4 Things You Can Do If You Need Money URGENTLY in Malaysia

If you found this article from Google search, I’m guessing you’re either (a) desperate for money, (b) looking for easy money, or (c) both.

(although to be fair no one is NOT looking for easy money. )

If you’re (a) – desperate for money – my sympathies. This article is exactly for you. I can only imagine the mental stress you’re going through. Maybe you need money to pay rent this month. Maybe your car or house is about to get possessed by the bank. Maybe a sudden, unexpected medical bill wiped out your emergency savings.

And all the financial articles you read online… weren’t exactly helpful. Now, correct me if I’m wrong, but ‘don’t get into the situation in the first place’ is a horrible thing to say to someone who’s going through the problem.

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All the Financial Tools I Use for My Own Money Management (Malaysia-Specific)

The other day I was listing out all the financial tools that I personally use for money management in my notebook, and the list got kinda long.

That got me thinking – all of you must have your own money management system, right? Even if it’s in your head, even if it’s messy. You know, more or less, that the money in account X is for daily use and the money in account Y is earmarked for, say, retirement.

I did that list because (1) it’s good to know exactly what I have and what I use it for and (2) I don’t want to accidentally forgot about an account, which happens more often than you’d think (that’s why there’s over RM5.77 billion in unclaimed money???).

So here you go – an article compiling all the financial tools I use for my own money management. Please don’t @ me if any of them sucks for you – they’re just the best option for my situation right now – I’m not loyal to any of them and happy to switch to better solutions as and when it suits me. Also please don’t take anything here as investment advice.

The financial tools are arranged in this order:

  • Bank account
  • Credit cards
  • Debit cards
  • Pre-loaded/Loyalty cards
  • E-wallets
  • International money transfers/payments
  • Investment
  • Retirement
  • Insurance
  • Estate-planning
  • Accounting
  • Budgeting app
  • Other accounts with money inside it

Just to maintain some sort of neutrality, this article itself is free of referral links, but related articles and embedded social media posts may include links.

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How Zero Waste Malaysia Helps Me Save Money (& the Environment, A Little Bit)

Confession: I entered the zero waste world a few years ago for its money-saving potential.

It’s been great. The communities are helpful, warm, encouraging. I had fun testing and trying out new lifestyle changes inspired from members of the zero waste community, sustainable living community, low impact community and so on. Among others, they encouraged me to:

  • include more plants and grains in my diet,
  • use a menstrual cup,
  • carry my reusable water bottle when going out,
  • stay car-free,
  • keep used coffee grounds to use as fertiliser,
  • significantly reduce my fast-fashion shopping,
  • and even helped me stay smoke-free (no more cigarette butts waste!)
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Selling Online in Malaysia: My Book Sold Well So Here’s A Case Study

In February 2019, I released my first book, Money Stories from Malaysians Volume 1 after almost a year of working on it.

It made RM9.5k within 2 weeks.

selling online in malaysia

… Actually, it made over RM10k. I received some generous donations as well. For example..

I know. I didn’t believe it at first. Just stared at that text for a long time, digesting what just happened. And that’s not the only donation I received too. Including this amount, I can safely say that I’ve recovered all upfront costs, and then some.

To show you my gratitude, I would like to break down the details and behind-the-scenes of selling online in Malaysia in this article. My product is a book but you can apply the knowledge to anything else. Hope it’ll be useful for you, for your own ecommerce shop (now or future).

#1 – Calculating cost price – Beyond the printing cost

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