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Suraya

Revealed: My Business Expenses as a Blogger in Malaysia

How much do you think professional bloggers in Malaysia spend to maintain their website and work? Go on, take a guess.

I don’t know about the rest, but for me, the amout is RM1.1k per month on average.

How did I get that figure? Well, I know that I’ve spent RM56,438.67 in Business expenses from June 2015 until the time of writing (September 2019).

expenses blogger in malaysia

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Link Roundup #34: 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. Experience Doesn’t Predict a New Hire’s Success – Harvard Business Review

Say whatttttt. But doesn’t the whole job hiring process center around experience??

So if not experience, what does predict new hire’s success in their new role? The professor recommends ‘focusing on the knowledge, skills, and traits directly rather than using experience or even education as a proxy.’

However, there are certain scenarios where experience matters, like task-based performance (like driving or operating machines).

Read the article to know more about this fascinating study.

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The Comprehensive Guide to Cost of Birth Control in Malaysia

Hello women and men who live alongside women. Today, let’s learn about the options and costs of birth control in Malaysia.

This guide is divided into the following sections: 

  • Section one: preventative (how to avoid getting pregnant), 
  • Section two: access to emergency contraception (where to get morning-after pill), and
  • Section three: how and where to get an abortion in Malaysia (I don’t want you to get to this stage but I’d rather you not die with DIY methods, so)
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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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Link Roundup #33: 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 People Think of You When You Wear Headphones at Work (According to an 800 Person Study) – Inc

Do you wear headphones at work? I did. I never really thought of how others would think of me (I just wanna get work done okay), but apparently here’s the breakdown of this study’s responses:

  • Want to be left alone — 27 percent
  • Focused — 22 percent
  • Busy — 17 percent
  • Love music/music quality — 16 percent
  • Rude/Pretentious — 9 percent

This sentence made me laugh: “Interestingly, the perception of being pretentious tripled when co-workers were wearing in-ear headphones (like AirPods)”.

If you still get interrupted for wearing headphones, or can’t for whatever reason, then click on the article to find other ways to minimise disctractions at work.

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[PERSONAL] How I Get Great Clients Who Pay & Treat Me Well

I love my clients. They are freaking awesome. The best. They pay AND treat me well.

I feel like it’s time for me to be forward with my experience working with great clients, because if social media is to be believed, well-paying and respectful clients are supposedly hard to come by.

But let me just say – they’re not. I’ve had the odd bad apples, but in my four years (so far) working in self-employed capacity, the majority of my clients were nothing but absolute joys to work with.

(Note: I have two types of clients. Those who hire me in my capacity as Suraya the communications consultant and corporate writer to write reports and stuff, and those who hire me in my capacity as Suraya the blogger from Ringgit Oh Ringgit to promote their products and services. Both are amazing).

This post is a jumble of self-reflection – how and why do I get these amazing clients? I still don’t know for sure, but here are my theories.

Factor #1 – Luck

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[SPONSORED] Verify Touch ‘n Go eWallet & 3 More 5-Minute Security Hacks

Let’s be frank here – ewallet and digital security is not the sexiest of topic to talk about. Therefore, let’s appreciate Touch ‘n Go eWallet not caring to be ‘sexy’ and choosing to feature it anyway in their educational video series, Cashless Confidentials.

In this article, we have brainstormed and came up with 4 actions you can do in 5 minutes that will significantly reduce your risk of losing money from scammers and hackers. It’s fast – you can do everything during lunch break. If you’re busy now, bookmark this article so you can pull it out later.

Note: If you consider yourself a Millennial or Gen Z, what you’re about to read below might sound like common-sense digital security practices.

However, keep in mind that they can be completely alien to your parents and grandparents, who are more susceptible to digital-based scams. I need you to read this so YOU can help them navigate this topic okay.

#1 – Activate Touch ‘n Go eWallet Money-back Guarantee Policy

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[SPONSORED] Revealed: How Takaful Products Get Created (from the Team that Made i-Great Aman) 

It’s not every day that you get to ask about the takaful plan creation process directly from the people who actually create them for a living.

That’s right, these two ladies from Great Eastern Takaful Berhad makes takaful products. From scratch. They don’t distribute them (that’s the agents’ job). They make them. 

Say hi to Ms. Nurul Sheila Khalib and Ms. Azlina Ideris from the Product Development team at Great Eastern Takaful Berhad (two ladies sitting on the left). 

i-great aman
As someone who is fascinated by behind-the-scenes of the financial industry in Malaysia, I really want to thank them for sharing with me and RoR readers how the takaful creation process looks like.

Here are the 4 stages.

Stage 1: Ideation 

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Link Roundup #32: 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. Entrepreneurs don’t have a special gene for risk—they come from families with money – Quartz

You know what’s the best predictor of success? Being born by wealthy parents.

Usually, when I post things like this, some joker will be like, ‘yeah but not all. Look at [rich and successful person from modest backgrounds]’

Yes, true, but those are exceptions to the rule.

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