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Link Roundup

Link Roundup #42: 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. One Habit That Holds You Back from the Life and Career You Want – Maybusch.com

That habit is the habit of seeking permission, something that most, if not all of us were taught since young.

If you have not unlearned this habit, 2020 is the time to do it.

To be clear, a lot of things do require permission. This article refers to the decision-making processes that don’t, or can be achieved even if someone said ‘no’.

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Link Roundup #41: 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. 13 Things Rich People Never Waste Their Money On – Family Handyman

The 13 things are (prepare to feel defensive):

  • Impulse buys
  • Extreme inheritances
  • TV channels and video games (do NOT take my Netflix and Steam away from me!!!)
  • Luxury brands
  • An over-priced home
  • Buying instead of renting
  • Pricey grooming
  • Multiple credit cards
  • Late fees
  • Things that don’t last
  • Stuff over experiences
  • Retirement (basically, the rich don’t plan on quit working, so you better like what you do)
  • Gambling

Click on the article link to read the justification for each.

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Link Roundup #40: 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. How to Improve Your Resume According to Science – The Ladders

Amazing infographic. I particularly liked this one – ‘Don’t include a photo unless requested. Candidates (are perceived as unprofessional and) face 88% rejection rate if they do’.

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Link Roundup #39: 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. Microsoft Japan’s 4-day workweek experiment sees productivity jump 40% – CNBC

This article went VIRAL in social media, for good reason – who doesn’t want an extra day off per week?

So I thought I’d use this space to dig a little bit behind the headline. Here’s what I found:

  • ‘Productivity’ was measured in sales per employee, and 40% increase in sales is no joke
  • They capped in-person meetings to 30 minutes
  • They reduced operations cost: ‘23.1% less electricity used and 58.7% fewer pages printed over the period’
  • The experiment ‘also incorporated self-development and family wellness schemes’

Would this work in Malaysia, you think? I don’t know. Obviously Japan and Malaysia’s working culture is different – we work hard of course but they literally invented a word which describes dying by working hard (‘karoshi’).

However, common sense tells me that it wouldn’t hurt to at least try to reduce our meeting time, no?

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Link Roundup #38: 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. Malaysian Salaries Are Insufficient – The Star

Finally, we as a nation are focusing on low salaries. Before this the narrative seems to be more to blaming – as if we’re struggling solely because we’re simply poor savers and budgeters.

The Star’s editorial team rightfully pointed out that even EPF (aka KWSP)’s Belanjawanku guide lacks so many necessary expenses, like insurance, phone bill, PTPTN and contribution to parents.

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Link Roundup #37: 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. Half of millennials and 75% of Gen-Zers have quit jobs for mental health reasons  – CNBC

The data came from US demographics, but mental health is universal and this discussion is applicable to us Malaysians as well.

I don’t have solutions, but I agree with this gentleman’s sentiment:

But of course I admit that’s a priviledged way of looking at it. Some people truly can’t afford to quit their jobs because non-negotiable commitments are too high.

So here I want to say… employers, take care of your employees. I can give many reasons why you should – happier employees are more productive, etc – but at the end of the day… the reason you should take their wellbeing into consideration is because they’re fellow human beings.

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Link Roundup #36: 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.  How to Start a Business With No Money – The Street

Note: you can start a business with no money but there’s no such thing as starting a business with no effort.

Here are 8 methods listed:

  • Start a service or consultation business
  • Crowdfunding
  • Incubators
  • Angel investors
  • Line of credit
  • Small Business Administration (I’m not sure we have an equivalent for Malaysia – let me know if we do)
  • Small business grants
  • Friends and family

This is just me, but I consider people who like to fund their business ventures with mostly OPM (other people’s money) as somewhat entitled. I stay far away from them.

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Link Roundup #35: 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.  If You Suck as an Employee, You Will Probably Suck as an Entrepreneur – Entrepreneur

“Of course there are exceptions and extenuating circumstances that make someone a better entrepreneur than an employee, but generally, you need to build the work ethic to thrive in any environment first.”

How’s this for real talk?

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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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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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