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"bitcoin"

3 Investments Where I Lost All of My Money

Want to know a secret? Everyone makes mistakes during our investment journey. Sometimes we pay too much in fees because we didn’t know better, sometimes we try to time the market and it didn’t work, and sometimes we trust the wrong people and get sucked into some shady Ponzi scheme.

I made plenty of mistakes myself, like the many, many times I tried to time the market but it went on the opposite direction (WHEN WILL I LEARN?!?). But this article is NOT about those kinds of mistakes. I don’t mean losing money when the market is not in your favour. Fluctuations in price and value is normal and even expected for some types of investments, like properties, gold/precious metals, things like that.

This article is about the times where I lost ALL of the money in the investment. Here they are, compiled in one post. 

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3 Investments I Want To Try (But Haven’t)

Here are some types of investments that I have: mutual funds/unit trust, gold and crypto.

This article is all about investments I don’t have yet, but always been curious to try. I may or may not proceed with one or any of them in the future. It’s just to show you what I’ve done about them so far, and why I didn’t proceed with them yet.

#1 – ETFs (Exchange-Traded Funds)

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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 #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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[SPONSORED] What You Should Know About Gold Prices In 2008-2018

As someone who keeps gold and regularly checks the price, I thought I’d cover the gold price movement in the last decade. Here’s what happened to gold prices between 2008 until mid-2018. Think of this article as an explanation of the 10-year historical gold price chart below.

gold prices
The price of gold from 2008-2018, per kilo (for some reason can’t change setting to grams)

For the benefit of this article, I’ll use price of gold per gram, not per kilo. Most people track the price that way anyway (unless they’re from the US, in which case they use ounces).

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Crypto & Blockchain in Malaysia: Communities, Companies and Associations in Malaysia You Should Know

blockchain in malaysia

One thing I noticed about people who are passionate about cryptocurrencies and blockchain technology is their ideologies and values. They tend to be the same people who rank transparency, efficiency and financial inclusiveness high in their belief system. Not all of them (some just got in it for the moneh), but many of them. And for that reason, I support the industry.

In the interest of promoting the cryptocurrency and blockchain in Malaysia, I have compiled Malaysia-based companies, associations and groups you should know. Note that this list is not exhaustive – I might have missed some – but the popular ones with active members are here. If you know of any more, please comment and I’ll add it in.

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I Created My Own Cryptocurrency For Fun (And How You Can, Too)

create your own cryptocurrency

Before I begin this,

HI BNM! YOU’RE DOING AN AWESOME JOB! BTW THIS ‘CRYPTOCURRENCY’ I DID HAVE NO VALUE AT ALL! ABSOLUTELY NONE! THIS ‘CRYPTOCURRENCY’ IS MORE LIKE A FUN BUCKETLIST PROJECT AND A CREATIVE EXPRESSION RATHER THAN A CURRENCY PER SAY. IN FACT THINK OF IT LIKE TOKENS OR POINTS. I AM A TAX-PAYING CITIZEN!

Okay now that’s done…

Guys, I made SurayaCoin! 1000 of them! And it’s super simple via the Waves Platform – literally just 4 steps!

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