link roundup
Link Roundup

Link Roundup #26: 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. 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.

2. 4 things you should never buy refurbished (and 4 things you should) – Reviewed

According to the article, you shouldn’t buy these items refurbished: HDDs or SSDs, phones, televisions and printers

While these things should be safe to buy refurbished: laptops and tablets, vacuums, headphones and household appliances

It’s a very US-centric article though. What do you think? Agree with the above or no? What items do you buy refurbished?

3. The benefits of having a fuck-off fund – Quartz

TL;DR – If you don’t agree with what your company is doing because it violates your principles, it’s *really* nice to be able to quit in protest.

4. Fresh Grad 101: Evaluating a Job Offer – Silent Confessions by Syaza Nazura

Syaza is a rare one. Currently pursuing her Masters in Education (Youth & Community) in the UK, she is passionate about helping fresh graduates navigate their careers.

She recently shared the newly-released 2019 Malaysia Salary Guide produced by Kelly Capita. You can view the pdf here.

Here are some highlights of the report:

Are you being paid fairly for your work? If yes, good, continue your course. If no, negotiate a salary increase or switch to another company. The article linked above is a good guide to evaluate your new job offer.

5.  The next gig economy will be on-demand knowledge – World Economic Forum 

The intro says it all:

“In a world with an overwhelming amount of information available, it is sometimes not easy to figure out how to apply it.

Business models based on advertising revenue and marketing tools such as influencer content have diminished our trust in information on the internet. We need to filter in our mind whether or not the information is credible, as many websites feature content sponsored by brands and businesses.

Recommendations from online reviews are also questionable, as businesses have been known to pay strangers to write positive reviews. (In fact, fake review writers can be hired at $5-$10 per review on

Similarly, the credibility of answers on Q&A sites like Quora also suffers over time, as more and more businesses post answers on the platform as a part of their marketing strategy.

We need to efficiently cut through the clutter. By and large, rather than taking our chances with Google, we can benefit from talking to the right person with relevant knowledge—someone with the ability to apply information based on his/her experience and expertise.

Fairly soon, systems will emerge to enable instantaneous knowledge sharing and monetization at scale. It could be as ubiquitous and easy as a Google search is today.

The right person with the right answer is already out there. We just need to index human know-how and work out how to provide on-demand access to it.”

Imagine this: an AI-powered platform that knows your exact preferences exact, then matches you with the best person. It’s a bit scary, but also very cool and convenient.

6. Goldman, Bank of England and stock exchange targeted by climate activists in London – Reuters

I was wondering why climate activists target the financial industry, specifically. To the extent of glueing themselves to the road outside Goldman Sachs European headquarters on Fleet Street.

Then I remember this video I watched a while back, arguing against capitalism and growth.

I’m still learning about this stuff myself. Like many of you, I’ve been told that growth = great too. But watch it, for a different perspective.

7. Here’s How You Can Design Your Own Product in Less Than 24 Hours – Inc

Did you know there are print-on-demand services that you can use to sell your designs without keeping inventory? I actually have friends – a combination of designers and people who know how to hire designers – who do this for a living or as a side income.

Personally, I’ve been tempted to earn a side income this way. Imagine if I sell mugs or notebooks or t-shirts with text like ‘Future Millionaire’ or ‘It’s so rude how everything costs money’? I bet some of you would buy that.

8. 7 signs that you’re actually a problem employee – The Ladders

What if, just what if, it’s not them, it’s you?

Scary thought, but if you were the problem, it’s better to know it sooner rather than later. It may suck now but it’s probably better for you in the long run.

Here are the 7 signs of a problem employee:

  1. You have trouble finding past managers willing to serve as references for you
  2. You can’t think of a single boss whom you’ve liked
  3. You do exactly what’s required of you… and never anything more
  4. You’re very invested in office gossip
  5. You struggle with punctuality, even after managers have raised the issue with you
  6. When you make a mistake, you seek someone else to blame rather than accepting responsibility
  7. You overstep your role during your interactions with coworkers

Click the article to read the full version.

9. How much capital you need to open a franchise business

Depends on what franchise you want. Some cost a lot, but if you choose the right location, you can make serious bank.

I’m linking the tweet below to let you know there is such a thing as Franchise Asia Magazine, sold in major bookstores like MPH. I’ve also seen them in MyNews.

You can also browse the online directory here.

10. 15 As Seen on Shark Tank Products You’ll Want at Home – The Family Handy Man

I want 7 out of the 15 things on the list, how about you?

Sigh, Shark Tank is such a great show. Best of all you don’t feel like you’re wasting time because you’re learning about entrepreneurship, lol.

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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