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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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[SPONSORED] I Asked Hard Questions to the CEO of Funding Societies Malaysia

What does Mr-Stingy, Dividend Magic, KC Lau, Blackbelt Millionaire and myself have in common? Aside from the fact that we all maintain websites with personal finance content, that is.

All of us do P2P financing as one of our investments. We lend money to companies.

In particular, and most strikingly, all of us chose Funding Societies Malaysia as the P2P financing platform of choice (note: referral code. You get RM50, I get RM50).

My experience with Funding Societies Malaysia so far

(scroll down if you just want to read the interview with Kah Meng)

When Funding Societies Malaysia contacted me for a collaboration opportunity, I was excited. I was already an existing user, with RM10,000 in my account.

funding societies malaysia
My dashboard
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Link Roundup #18: 10 Things to Know This Week

Accelerate your personal finance knowledge with this regular feature on Ringgit Oh Ringgit – the Link Roundup! I promise you’ll find these 10 links informational 🙂

1. This Is What Life Without Retirement Savings Looks Like – The Atlantic

One of my biggest fears in life is being forced to work to cover my living costs when I’m old and in pain. This article interviews people who are exactly in that situation.

Read the article, then note how you feel. For me, it was fear, helplessness and renewed motivation to work my ass off while I’m still young – in that order. If I have this much time to plan, I don’t have any excuse for letting the worst-case-scenario happen to me, do I?

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Link Roundup #15: 10 Things to Know This Week

Accelerate your personal finance knowledge with this regular feature on Ringgit Oh Ringgit – the Link Roundup! I promise you’ll find these 10 links informational 🙂

1. 101 Ways to Make More Money – Forbes

A great list of money-making ideas. Some of them are not applicable to us Malaysians (do we even have mock jury duty jobs?), but most of them are possible.

I have personally done at least 11 of the ideas in the list, and in the process of doing one more – publish an (e-)book (the update). How many have you done, and what are you planning to do next to get more money?

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3 Investments Where I Lost All of My Money

Want to know a secret? Everyone makes mistakes during our investment journey. Sometimes we pay too much in fees because we didn’t know better, sometimes we try to time the market and it didn’t work, and sometimes we trust the wrong people and get sucked into some shady Ponzi scheme.

I made plenty of mistakes myself, like the many, many times I tried to time the market but it went on the opposite direction (WHEN WILL I LEARN?!?). But this article is NOT about those kinds of mistakes. I don’t mean losing money when the market is not in your favour. Fluctuations in price and value is normal and even expected for some types of investments, like properties, gold/precious metals, things like that.

This article is about the times where I lost ALL of the money in the investment. Here they are, compiled in one post. 

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