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15 ^th
May

[SPONSORED] The Beginners Guide to Warrants in Malaysia

Posted by Suraya - No Comments

On 27 April 2019, I attended my first warrants-specific talk.

The event was called Demystifying Structured Warrants, which is apt tbh. I’m a complete beginner in this financial instrument. I know almost nothing about it.

This was my second engagement with the Kenanga Investment Bank, after writing about the Market Outlook Symposium 2019: Smart Investing or Dare Betting? investment event back in January 2019.

I’m happy to report I liked two out of two Kenanga-organised events so far. Good content. No fluff, just lots of good info. Then they gave free food some more.

Like the first article, this is a sponsored post, but all opinions are mine. It’s great that I can share what I learned about warrants from the event, as someone completely new to the world.

#1 – What is warrants?

This is the textbook definition:

Does that make sense to you? I kinda sorta understand… ish. It’s a very theoretical financial instrument. I feel like I’m learning quantum physics.

06 ^th
February

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

Posted by Suraya - 14 Comments

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.

23 ^rd
January

[SPONSORED] 4 Things I Learned from Kenanga’s Investment Event

Posted by Suraya - No Comments

On 12 January 2019, I attended an investment event organised by multi-award winning Kenanga Group. The name intrigued me right from the start – you don’t come across something like Market Outlook Symposium 2019: Smart Investing or Dare Betting? every day. Held from 9am-2.30pm, the event packed in five speakers (and a lunch break). You can check the agenda of the day and speakers’ profiles here.

I had fun live-tweeting the whole event. Click on the Twitter thread below to read 50+ tweets giving play-by-play account of each speaker’s presentation. Among others, you’ll find stock picks by Kenanga Investment Bank’s Head of Research, a warrants trading tool (that may help you get double-digit ROIs), what to do with your money during bear markets and more.

I’m seated and ready to live-tweet #KenangaGroup‘s #MarketSymposium2019 event, starting soon! Follow and RT this thread for investment outlook in 2019 pic.twitter.com/KcvRakWrce

— Suraya Zainudin (@surayaror) January 12, 2019

Here are some things I learned from the event. Some commentaries are not specific to the event itself, but an overview of the general investment events scene in Malaysia. This article is sponsored by Kenanga, but all opinions are mine.

#1 – The Kenanga-organised event… exceeded expectations

10 ^th
December

[SPONSORED] What Rich Malaysians Do With Their Money (That You Don’t)

Posted by Suraya - 4 Comments

According to the Department of Statistics Malaysia, the T20 in this country received 46.2% of overall income share in 2016, while the M40 and B40 received 37.4% and 16.4% respectively.

Image credit to DOSM

Looking at the statistics, you can’t deny that rich Malaysians must know something that the rest of us don’t. I mean, the top 20% can’t have gotten almost half of all the income in Malaysia by accident.

I am greatly fascinated by the money mindset that the rich have. Not their lifestyle, mind you – looking rich is not the same as being rich – but their mindset: what they learned from their parents (if they were born rich) or from life experiences (if they worked hard to get there).

Here are some things that I’ve learned about rich Malaysians.

#1 – They buy time

31 ^st
October

[SPONSORED CONTEST] Tell Me Your Best Money-Saving Tip and Win An Apple Watch!

Posted by Suraya - 50 Comments

EDIT: Contest update

The winning entry. Congrats, you won the Apple Watch Series 3!
For those who (1) didn’t win or (2) missed this dateline, don’t fret – re-submit your entries for a chance to win RM5000 pulak!
How: (1) Play the quiz, (2) post your money personality and money-saving tip on your Facebook profile page, and (3) tag the Treat Your Money Right Facebook page. Make sure to use the hashtags #treatyourmoneyright #VISA #AKPK and set it to public. Submit your entries BEFORE OR BY 19 November 2018!

I HOPE ONE OF YOU ROR READERS WILL WIN THE RM5000 CASH PRIZE!!!

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In conjunction with World Savings Day, VISA and AKPK are doing a financial literacy initiative called Treat Your Money Right.

01 ^st
October

[SPONSORED] I Asked 8 Hard Questions to Great Eastern Takaful’s CEO

Posted by Suraya - No Comments

You know how content from insurance/takaful companies all kind of say the same things? “Protect yourself and your family in case anything happens”, “Life is unexpected, be prepared”, “Make sure your loved ones are taken care of”?

Yeah, they’re repetitive. And boring. Important stuff, sure, but boring.

So when I got the opportunity to interview Great Eastern Takaful’s CEO, Shahrul Azlan Shahriman, I told them I wanted more meat if we proceed with a paid collaboration to promote their newest takaful product, i-Gr8 Harapan. I told them I don’t do pure ‘promotion’ without interesting content about their new takaful product and the takaful industry in general.

Surprisingly, this jual mahal approach paid off. They approved all of my questions. Here they are, for your reading pleasure.

26 ^th
September

[SPONSORED] What Does PIDM Do and Why Should YOU Care?

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When Perbadanan Insurans Deposit Malaysia – PIDM for short – contacted me about doing a paid collaboration, I was confused. Unlike other sponsored post inquiries I get, PIDM has no products or services to sell. If anything, their services are (1) free and (2) automatic.

Then they told me their reasons. They’re to:

Promote awareness on PIDM’s protection services so that people are assured that their deposits, takaful and insurance benefits are safe;
Inform which financial products are protected to prevent scams by unscrupulous parties, and;
Let people know what they should do IN CASE their banks, takaful and insurance companies go bankrupt (stay calm, see #3).

So apparently – and I didn’t know about this before – there are people out there who scam your family and friends because they don’t know about PIDM?? That is horrible! And this is why PIDM wants to tell the public who they are and what they do!

So I said yes, and together we created this plain-English article about what PIDM does.

08 ^th
August

[SPONSORED] How to Create a Blog that Doesn’t Suck & Generates Income

Posted by Suraya - 8 Comments

According to a website report, Ringgit Oh Ringgit blog is A- grade, or ‘very good’. I have As for SEO, Usability, Social and Security aspects. Only Performance aspect is not great, but that’s because my page size is big (due to the ads).

At the time of writing, Ringgit Oh Ringgit has been around for 2.5 years, more or less. Figuring out how to create a blog in the beginning was hard; I just wanted to write shit, and I didn’t know there are many other aspects I have to know and consider.

As I was adamant to generate income from this hobby, I had no choice but to learn as I go along. Here are some things I wish I knew earlier. This article is for you fellow bloggers and companies doing content marketing as a lead generation strategy.

01 ^st
August

[SPONSORED] 4 Lesser-Known Tips to Get The Best Credit Card in Malaysia (For You)

Posted by Suraya - 2 Comments

EDIT: This is a sponsored post for BBazaar Malaysia, but they have since exited the Malaysian market. Took out all their links, but the content itself is evergreen

Choosing the best credit card in Malaysia is like choosing dates on Tinder. Sometimes, you accidentally ignore the good cards (fast left swipes). Sometimes, the cards themselves beg for your attention (superlikes). And sometimes, the cards you want are not available to you (they didn’t swipe right for you..).

It can be a frustrating search process. You thought you have a lot of choices, but why is none of them suitable? But eventually you’ll find that perfect match for you, and you’ll never imagine life without them. Amirite, Tinder couples reading this?

Tinder analogy aside, credit cards really are great financial tools. I use them to earn points, shop (online and offline), make instalments on larger purchases and top up e-wallets (usually for the discounts).

If you can practice habits that make you a responsible card user – like paying off all bills in full at the end of the month and not treating it as ‘free money’ – I’d recommend you to get one. They can help you build a good DSR score, too – good if you’re planning to buy a house in the future.

Here are some lesser-known tips I can offer you.

Tip #1 – Always start with the process of elimination

11 ^th
July

[Sponsored] Fintech ‘Unconference’ at Langkawi Beach Resort, Because Why Not

Posted by Suraya - No Comments

Let me start with a TL;DR – FintechNews.my is organising Fintech Barcamp at Holiday Villa Beach Resort & Spa, Langkawi on 9-10th August 2018. Tickets cost USD 145 each (about RM580) and include the cost of participating in the event only.

According to FintechNews.my’s write-up, this event was organised to encourage a vibrant fintech community; they do not intend to profit from it. You have to arrange your own accommodation and transportation. You can purchase the tickets from Eventbrite.

If you want to make the event but concerned about total cost, you can:

Choose a cheaper accommodation (RM100-ish-per-night accommodation is possible)
Buy your flights now (last I checked, RM200+ return tickets from AirAsia are still available!)

Langkawi’s cool. If you want to extend your trip, check out my 4D3N budget Langkawi weekend trip article. I spent RM1239.47, all-in, including flights, accommodation, car rental, food, entertainment and souvenirs.

End TL;DR.

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