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"gold"

[SPONSORED] HelloGold’s Co-Founder Interviewed Me

I’m used to interviewing founders and CEOs, but it’s quite rare that I get interviewed by them!

That’s what we did in this Ringgit Oh Ringgit x HelloGold collaboration. In this video, HelloGold’s Co-Founder Ridwan Abdullah asked me a bunch of questions, ranging from the website, my investments and my thoughts on gold. It was fun answering them and I may have laughed too much.

We talked about:

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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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[SPONSORED] 20+ Interesting Gold Coin and Gold Bar Designs

If you’re keen to collect something, why not collect gold coins and gold bars? They tend to appreciate in value in the long run. If you get bored of your collection or need money, you can resell it and get back what you paid (and perhaps more than that). You can’t say the same for most other collections.

In this collaboration post with buysilvermalaysia.com (which actually sells a lot of gold too despite the name), we would like to share some interesting gold coin and gold bar designs for your visual pleasure. Your inner pirate will appreciate this.

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Ringgit Oh Ringgit Christmas Giveaway: Gold, Crypto and More!

christmas giveaway

EDIT: Giveaway over; all prizes claimed! Thanks for your participation, everyone 🙂

Ringgit Oh Ringgit Christmas Giveaway is back! And I have a LOT to giveaway this year, thanks to the generous sponsors!

What Christmas Giveaways are available?

There are gold, cryptocurrencies, newspaper subscriptions and book vouchers up for grabs in SIX raffles. You can enter one or ALL of them, up to you. Prizes:

  • 1 x winner for RM200 in bitcoin from Ringgit Oh Ringgit + 1 year of Focus Malaysia subscription
  • 1 x winner for RM200 in Ethereum from Luno + 1 year of Focus Malaysia subscription
  • 1 x winner for RM200 in gold from HelloGold + 1 year of Focus Malaysia subscription
  • 1 x winner for RM200 in Zcoin + 1 year of Focus Malaysia subscription
  • 6 x winners for 1 year of Focus Malaysia subscriptions
  • 1 x winner for RM100 in Kinokuniya vouchers from Ringgit Oh Ringgit

The sponsors, in 6 words or less:

  • Ringgit Oh Ringgit – Suraya’s personal finance blog
  • Focus Malaysia – Weekly business newspaper
  • ZCoin – Privacy-focused cryptocurrency
  • Luno – Bitcoin and Ethereum exchange, accepts MYR
  • HelloGold – Keep gold as low as RM1

Note: Interested to be a sponsor? Comment here and I’ll get back to you 🙂

How to enter and win the Christmas giveaway

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[SPONSORED] 5 Common Questions About Gold Investment, Answered

gold investment

Since my early 20s, I keep a little gold as part of my investment portfolio. The process was more or less:

In this article, and in collaboration with HelloGold – an app-based platform to buy and keep gold investment – I’d like to share some common questions about gold investment.

#1 – How much gold should I keep?

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6 Ways to Draw More Tourists to Malaysia, According to Malaysians

According to the PM, “the government is targeting to achieve 30 million international tourists and RM100 billion revenue in the tourism sector through the (Visit Malaysia Year 2020) campaign.”

As you and I know, we as a country have A LOT of debt to pay off (yes this is a 1MDB reference). So I am fully in support of the campaign and initiatives under it. It’s not your or my fault that we’re in this debt…  but we’re in this debt.

It sounds like the RoR audience is in support of initiatives that improve the tourism sector, too, because when I asked about what we could do to attract more tourists to Malaysia, I got so many amazing replies! They were so good, I decided to compile some answers here for everyone else to read and contemplate on.

Here’s what you say will draw tourists to Malaysia:

#1 – Appeal to locals (and people who live here like locals)

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Link Roundup #43: 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.  Here’s an example of the perfect answer to ‘Tell me about yourself,’ according to Yale career experts – CNBC Make It

It’s not a bad idea to learn the art of humblebragging without making it look like humblebragging. No shade, its true, I do it too.

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13 Referral Programmes You Can Use to Earn Money (Up to RM200++ Each)

One of my favourite things about being a writer is the creativity I can apply during the content creation and monetisation process. There are so many ways to earn money!

And you know what? Anyone can write. And everyone has a network of friends and family to tap into. It’s just a matter of doing it well, in a ‘everyone likes to buy but no one likes to be sold’ kinda way.

In this article, I would like to share with my fellow content creators – both current, future and even casual ones – the referral programmes that I have experience in using, plus the amount of income they have generated for me so far.

I’m also giving links of posts containing the referral links so you can have a sense of what types of content do well, and which do not. Knowing what *doesn’t* work is part of learning too.

Some disclaimers before we start:

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10 Types of Islamic Investments in Malaysia (that Everyone Can Get)

My relationship with Islam the religion may be complicated, but I’m ALL for Islamic finance. During Securities Commissions Malaysia’s SCxSC 2019 Fintech Conference event, someone said Islamic finance = ethical finance and gosh, that’s it, that’s why it’s always been appealing for me.

I love the underlying values behind it, like how usury (interest) or riba is completed prohibited, and how excessive risk-taking or gharar is not encouraged.

Conventional finance can be so predatory – yes, predatory – and I love how Islamic finance and banking is structured in a for-the-good-of-all way, even though admittedly things are never perfect in practice.

When it comes to Islamic investments, I admit I do have a big preference to Syariah-compliant investments. Not ALL of my investments are halal, but most of them are. I’m a work in progress, as we all are.

Throughout the years, I’ve made my notes when it comes to Islamic investment options in Malaysia. It’s far from comprehensive, but it’s time to share it with you. Hopefully it’ll help.

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