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Link Roundup

Link Roundup #26: 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. 6 things you must organize to be healthy, wealthy, and happy – The Ladders

Sometimes I’m not sure if I’m a ‘go with the flow’ type of person, or an organised person. I guess I’m a little bit of both, like most people.

On a scale between 1-10, how well-organised are your environment, money, relationships, health/fitness, spiritual life and time? Answering that is like doing a regular checkup, a self-assessment.

If you’re giving yourself a low score, the checklist in the article is pretty helpful to get you back on the right track.

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Link Roundup #25: 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. Super-Productive People Do 3 Things That Others Don’t, According to This MIT Productivity Test – Inc

Anyone else obsessed with finding productivity tips and hacks? I know I am. I’m fascinated by both (a) the habits of the super-productive (click the link to read about it) and (b) the productivity test itself, taken by almost 20,000 people. You can take it yourself here.

Pozen Productivity Test is a 21-question survey based on seven habits of productivity:

  • developing daily routines
  • planning your schedule
  • coping with messages
  • getting a lot done
  • running effective meetings
  • honing communication skills
  • and delegating tasks to others

I took the test, and scored 65 out of 105. To be fair, many of the questions are not applicable to me (I don’t work in a team most of the time, and neither attend regular meetings nor delegate work to subordinates). But it definitely gave me some pointers on areas to improve.

What’s your score?

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Link Roundup #24: 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 11 M’sians On The Forbes 30 Under 30 Asia List And Why They’re So Outstanding – VulcanPost

If I’m honest, I’m a little bit jealous, but mostly proud of their achievements. Being featured in the Forbes 30 Under 30 Asia List is a big deal!

I’m also particularly happy that Bobby Ong and TM Lee of CoinGecko made the cut. I know both of them personally (and at one point, wrote some articles for the website), and they’re great.

I thought that Malaysians would be happy, but discovered some people are dismayed by the lack of racial representation *coughMeleiscough*. I’d be more sympathetic if they weren’t so bitter and toxic about it.

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Link Roundup #23: 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. 4 things millionaires have in common, backed by research – The Ladders

What millionaires have in common:

  • Many are self-employed
  • They choose their careers strategically
  • They’re not geniuses but they have a strong work ethic
  • They’re cheap (read: frugal)

I highly encourage you to read the article because this is not some opinion piece, telling you some inspirational bullshit. The article is backed by research and every other sentence will make you rethink your whole life, like this one: ‘you’d need to earn 2.5 times as much money to be as happy as someone who is self-employed.

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Link Roundup #22: 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 Batshit Lengths These Guys Go to Retire by Age 40 – MEL Magazine 

THIS. Finally someone said it. This is why I never identified with the FIRE community.

Don’t get me wrong, I love the idea of FIRE (financial independence, retire early), I really do, but what they say and do can be too much. The FIRE community idolises FIRE gurus like Mr Money Moustache and Jacob Lund Fisker of Early Retirement Extreme, who promote extreme frugalism as a way of life.

That would be fine. You-do-you and all. But it *is* annoying when some male members of the community complain about how hard dating is for them. They want wives who find their extremely frugal life appealing – the unwashed clothes and all. They label women who want a little bit more in life as ‘gold diggers’, and thinks the majority of women are ‘shallow’ because we like pretty things.

Moderation. Is. Key.

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Link Roundup #21: 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. Malaysia Hits Deflation for First Time Since 2009 Global Crisis – Bloomberg 

The deflation IS JUST FOR JANUARY 2019. As someone on Ringgit Oh Ringgit FB rightfully pointed out, one month’s stats is not a trend made. Plus, the deflation only occurred because Transport category fell so much (-7.8%).

But still, while we’re on the topic, I wanted know if deflation is good or bad. Learning opportunity and all right. This short video is the easiest way to learn about the effect of deflation.

I hope this deflation trend doesn’t get out of hand.

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Link Roundup #20: 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. 7 Ways To Deal With Burnout, According To Science – Bustle 

“There are.. three main elements to burnout: “exhaustion, cynicism (less identification with the job), and feelings of reduced professional ability.”

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Link Roundup #19: 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. 16 Influencers Shared Their Best Money Tips in 2019 – Mr Stingy

Mr Stingy aka Aaron Tang compiled money tips from 16 personal finance thought leaders in Malaysia and beyond, including: Lee Ching Wei (of iMoney), KC Lau, Pakdi, Julian Ng, DividendMagic, Stanley Lim, Charles Tan of KopiandProperty, GenXGenYGenZ, Natalie Pringle of The New Savvy, RinggitOhRinggit (me!), Dawn of SGBudgetBabe, Farid Bahrudin, Mohd Kauthar, Faiz Wahab, Kevin L of Turtle Investor and Lionel Yeo of The Cheerful Egg.

Will you find money tips that’ll work for you? With 16 people, chances are you will, so go give the article a read!

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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 #17: 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 e-wallet infinity war in Malaysia – Everything you need to know about e-wallet starts here… – ecInsider

First of all, the article’s accompanying image though hahahahhahahah:

The image kinda describes the e-wallet scene in Malaysia right now – there are so many players that you can’t help to wonder who will ‘disappear’ and who will make it in the end. The author’s predictions, backed with pretty solid arguments – is #5 as listed in its table of contents.

  1. The dawn of the e-wallet infinity war
  2. Does e-wallet provider need a license in Malaysia?
  3. What is BNM’s policy on e-wallet?
  4. Who are the e-wallet providers in Malaysia?
  5. Which e-wallet providers will stay in the long run?
  6. Will Malaysians use e-wallet?
  7. Understanding e-wallet 1-2-3
  8. Why should retailers & etailers care?
  9. How to differentiate Static vs Dynamic QR payment?
  10. Who will win: network-based or card-based e-wallet?

There’s a link in the article, right near the end, which points you to the e-wallets in Malaysia Facebook community. I’ve personally learned a few e-wallet-related money hacks from the group, can recommend *thumbs up*

E-wallet deals also appear a lot in BestDealsMalaysia.com.

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