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Link Roundup

Link Roundup #10: 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. Share your suggestions for #belanjawan2019 – Ministry of Finance Malaysia

Wanted: your suggestions! Saw this tweet from the Ministry of Finance – decided to share here for wider reach!

The 12 categories are:

  • Cost of Living
  • Education and Training
  • Public Sector Reform
  • Technology and Innovation
  • Entrepreneurship and Business
  • Access to Financing
  • Income and Employment Opportunities
  • Rakyat Welfare and Well-Being
  • Healthcare and Healthy Lifestyle
  • Housing, Infrastructure and Public Safety
  • Social Justice and Equitable Development
  • Environment and Sustainable Development

For more information, view the Belanjawan 2019 page (English version).

You can submit your suggestions on Twitter (click here to see the current #belanjawan2019 discussion on Twitter), but I suggest you submit directly at the Belanjawan 2019 main website at this page.

If you have suggestions on how the nation should spend its money, remember to give them by 30 September 2018, because YB Lim Guan Eng will present it on 2 November 2018!

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Link Roundup #9: 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. We Put Klang Valley’s Ride-Share Apps In A Head-To-Head Price Test – Vulcan Post

Surprising fact no 1: There are (at least) five active ride-sharing apps operating in the Malaysian market. Five!

They are: Grab, MyCar, MULA, EZCab and Dacsee. LOVE this article comparing the prices plus waiting times for each of them. I’m already a Grab and MyCar user – I think I’ll install EZCar too because the price looks pretty good.

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Link Roundup #8: 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. The Selangor Govt is Giving RM1,000 to M’sians Who Marry Before 35 Years Old – WorldofBuzz

Good news for Selangor babies or long-term residents over 10 years tying the knot! What an interesting incentive!

FYI, they don’t give cash outright. They give something called the Sijil Simpanan Premium, which you can sell back or keep if you wish. But hey! As good as free money! Can recover your wedding expenses a bit, or go towards house down payment or baby funds.

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Link Roundup #7: 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. Shoppers with Strong Religious Beliefs Spend Less and Make Fewer Impulse Purchases – Harvard Business Review

What an insightful read! The study was conducted in the US, but the sample size is big and the research was thorough. I believe the conclusions are applicable to our Malaysian context, too.

If I were to self-rate myself, religiously speaking, from a murtad-to-ustazah scale, I’m probably something like a 6 or 7? Does this mean if I get more religious my financial life will improve further? Penny for your thoughts. 

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Link Roundup #6: 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. Here’s How Much Money You Save by Cooking at Home – Forbes

The data is from US, but it’s still a fascinating read. They compared between restaurant, meal kit delivery (not common in Malaysia I think) and cost of ingredients and found that you can save up to five times more by cooking all your meals at home! Another point of interest: ordering protein-based meals from restaurants are more worth it if compared to carb-based meals.

Granted, the US does not have our mamak slash cheap food culture. You can get food relatively cheap here. Personally I’m a big fan of rice + dhal, and that’s fairly nutritious and maybe cost a few ringgits at the most.

Whether we’re willing to give up our food obsession is another story, though. Trying out different cuisines is practically a national hobby.

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Link Roundup #5: 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. ‘Quit your job and travel the world!’: A travel blogger confesses the grim financial reality behind the Instagram dream – Business Insider

Hands up if you follow Instagram influencers and bloggers who travel all the time. One day they’re in Paris, the next they’re in Greece, eating olives or whatever. So jelly, no?

Yeah, that lifestyle does look great. But what they don’t share as often is the cost and stress of maintaining that lifestyle. If you have a steady remote-working job, great, but you’ll spend lots of time in your room – you still need to finish your work. If you have irregular income, you’re going to stress about money and won’t be able to fully enjoy your travel.

I still think the best way to travel is to save up enough money for it beforehand. And have multiple passive income streams so working becomes a choice rather than a necessity.

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Link Roundup #4: 10 Things to Know This Week

link roundup

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

1. The-Fuck-Over-Ability Index – Millennial Revolution

This content is so good I’m breaking my personal ‘no f word in the blog’ rule. The Fuck-Over-Ability Index is an actual calculator they invented to measure how ‘fucked over’ you are in your life. Said situation is calculated based on how much you need your job because you need to pay your monthly commitments, like mortgages and car payments. The higher your score, the more likely you will put up with your crappiest bosses.

The author admitted they were drunk when they discussed and created this lovely thing. This article is definitely in the category of dark humour.

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Link Roundup #3: 10 Things to Know This Week

link roundup

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

1. 7 work-from-home jobs that pay over $100,000 – CNBC

Because chances are you have dreamt about working from home, and making bank at the same time. Any of these job titles sound appealing to you? Work towards it. The article includes each of the job descriptions.

  • UX Designer
  • Front-End Developer
  • Project Manager
  • Senior Software Engineer
  • Senior Manager, Global IT Security
  • Director, pharmacy – financial plan and analysis
  • Chief Marketing Officer
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Link Roundup #2: 10 Things to Know This Week

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

1. Consumer Reports Tested 73 Sunscreens, and This Formula Got a Perfect Score – Byrdie

You already know how important it is to wear sunscreen, but not all of them are created equal. Some formulas give next-to-nothing protection even if applied – a big money waster, if you ask me. The honour for the perfect sunscreen formula apparently goes to a product called Anthelios Clear Skin Dry Touch Sunscreen, produced by the company La Roche Posay. It costs $20 for 50ml, so I don’t think I’ll get it (even if it’s available in Malaysia).

BUT there are near-perfect formulas that are a lot more affordable! Anyone know where I can get these in Malaysia? Share in the comments section!

  • Sport Sunscreen Lotion SPF 50 by Equate ($5 for 237ml);
  • Quik Gel Sunscreen Broad Spectrum SPF 50 by Bull Frog ($9 for 147ml);
  • Water Babies and Ultra Guard by Coppertone ($7 for 237ml);
  • Pure & Free Baby Mineral Sunscreen by Neutrogena ($11 for 88ml).
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