link roundup
Link Roundup

Link Roundup #19: 10 Things to Know This Week

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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!

I also want to use this space to gush about Aaron, who truly is a wonderful human being <3


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It’s very surreal to have your mentor think so highly of you… Thank you for including me in the list Aaron aka Mr Stingy! . Back in May 2015, when I haven’t even started Ringgit Oh Ringgit, I sent @aarontang84 a fanmail. He replied the same day, inviting me to a meetup with another personal finance enthusiast. I remember him assuring me that the location is at a public area, and I am free to bring a companion for safety reasons. . He didn’t have to do it. I was a nobody, yet he extended the offer, and made sure I would feel comfortable too. That’s just the kind of person he is. . Fast forward until now. We have met up a few times, even shared a stage. We have sought each other’s advice. Thank you for the friendship and support bro, I’m very happy and grateful to have a person like you in my life . OK done sappy sappy 🙂 Find yourself an Aaron, it’s seriously the best 🙂 also, go read the article at! . #bloggerfriends #malaysianbloggers #bloggermalaysia #hestaken

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2. How to Ask Your Boss for a Raise by Barbara Corcoran – Business Insider

I first knew of Barbara Corcoran from Shark Tank, and I love her direct-style responses. If you want to get a raise this year, the video below is well worth a watch. There’s also specific observations about men vs women negotiating for raises.

3. John Bogle, who founded Vanguard and revolutionized retirement savings, dies at 89. – r/Investing

(Note: he actually went with the name Jack Bogle, rather than his birth name John)

I admit that I didn’t know about Jack Bogle before this, although I have seen his name around in the investment circles. When I saw news of his passing, I was blown away by the level of respect people have for him for his life’s work – to make low-cost investing possible. I saw the top personal finance gurus thanking him for his service. I saw members of personal finance communities giving him tributes online.

There are many articles out there about Jack Bogle and his amazing work. I chose to link the Reddit thread in r/investing so you get to witness how raw gratitude looks like from actual people. In the thread, you’ll see anecdotes of Jack Bogle’s ethics, wit and drive.

4. Your best & worst purchases in 2018 – RoR mini-forum

In early January, I asked the following question in RoR Twitter and RoR Facebook.

I love the replies. Click the tweet above to read them. I love how varied the answers are! Thank you so much for the insightful peek into your life <3

5. JAKS – My Most Expensive Mistake – Koon Yew Yin

Mr Koon Yew Yin is known as ‘one of Malaysia’s best stock pickers’. That’s why I included this article in here – it’s extremely rare that someone with that recognition would come clean with their mistakes, especially one as big as a RM64 million loss. The transparency just made me respect him more. After attending a few stocks-related seminars, I know enough that most self-proclaimed gurus/coaches/mentors tend to brag more about their stock wins, and not their losses.

(In fact, some may make it seem that they didn’t suffer any financial losses at all! They build up this image then ask people to shell 4 to 5-figures to sign up to their courses.)

6. Senarai Terkini Sekuriti Patuh Syariah oleh Majlis Penasihat Syariah Suruhanjaya Sekuriti Malaysia –

Nice Malay-language article containing updates of latest Shariah-compliant securities as per Securities Commission’s Shariah advisory body. I didn’t know that a solid 76% (689 out of 902) securities listed in Bursa Malaysia is Shariah-compliant!

The article also explained the methodology behind Shariah classification, what makes those securities Shariah-compliant or not. Good read for everyone. By now you *should* know that (1) Malaysia is one of the leading Islamic finance hubs in the world, (2) the demand for Shariah-compliant financial products are growing fast, and (3) the money in an Islamic finance career is good (and open to people of any faith).

7. SC Imposes Deadline For Crypto Exchanges Before They are Deemed Illegal – FintechNews My

Oh my my my. The biggest development for the Malaysian cryptocurrency scene of late. Tighter regulations for crypto exchanges in Malaysia, the place where many Malaysians get and keep their crypto holdings.

Because I have friends in the crypto world and belong to a few online communities, I know some updates. I know that urgent meetings have been set up between the SC and cyrpto exchanges operating in Malaysia, and I know some legit platforms are committed to follow the full extent of the law.

This development does not surprise anyone tbh. We knew tighter regulations are coming, it’s a worldwide trend. It’s progress in the right direction, fundamentally speaking.

8. The Top 10 Side Gigs for 2019 (Infographic) – Entrepreneur 

This is such a great infographic. Not only it tells you what types of freelance gigs are most in demand, but also the percentage of people making over a certain amount per hour. For example, almost half (46%) of freelancers in the highest-paid category, Accounting+Finance, earn over USD50 per hour! It’s also awesome to know that a lot of people in the Design+Creative category make good money.

9. Talent is worldwide. Opportunity is not. How can we redistribute it? – World Economic Forum

Talent is everywhere, but not everyone gets equal access to opportunities. You and I know that much. But the reason why I shared this article is for the introduction to WorldQuant University, ‘a nonprofit organization, which offers students around the world an online master’s program in financial engineering as well as a module in which they can learn about data science. WQU is tuition-free, enabling those with the interest and talent, but perhaps not the opportunity, to expand their skills in areas that are in high demand today.’

Share this information widely to your networks.

10. You obviously don’t *have* to loan friends money, but here’s what to do when they ask – Well+Good

Friends asking for money. It’ll happen sooner or later (it may already did). You should probably know what to do when it does.

That’s it for this round, catch you next time! Want to submit a link you thought was great? Reach out to me on FB or Twitter.

To read past link roundups, please click here.

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