![5 Fascinating Facts about Takaful/Insurance Industry (#1 is ❤️) [SPONSORED]](https://i0.wp.com/ringgitohringgit.com/wp-content/uploads/2020/12/great-eastern-takaful-.jpg?fit=768%2C384&ssl=1)
BySuraya
Welcome back to another article on Takaful and insurance – one of the MOST requested topic from you, the Ringgit Oh Ringgit audience! Today’s article is brought to you by Great Eastern Takaful. As we’ve done before, I asked whatever I was curious about the Takaful/ insurance industry to the Great Eastern Takaful team, and…
![[SPONSORED] Investment-Linked Products, As Explained By the CEO of Life Insurance Association of Malaysia](https://i0.wp.com/ringgitohringgit.com/wp-content/uploads/2019/11/life-insurance-malaysia.jpg?fit=768%2C384&ssl=1)
BySuraya
As part of an outreach campaign, members of the financial media – including personal finance bloggers like yours truly – were invited to the office of Life Insurance Association Malaysia and treated to a first-hand presentation of the latest update within the investment-linked products industry. Even the CEO of Life Insurance Association of Malaysia (or…
BySuraya
Let’s assume you earn a good salary and/or have low expenses, and you need a place to put 3-6 months’ worth of living expenses (Step 3 in the road to financial freedom). The question now is, which are the best savings accounts in Malaysia, that you can use to keep your emergency funds safe? Here…
![My 20-year Personal Finance Journey [PERSONAL]](https://i0.wp.com/ringgitohringgit.com/wp-content/uploads/2025/04/personal-finance-journey.jpg?fit=768%2C384&ssl=1)
BySuraya
I started tracking my expenses at 17 years old. This year, 2025, I am 37 years old. That means I have been on a 20-year personal finance journey. Wow, what a journey it has been! I thought I’d do a recap post on how I and my money management have evolved over the years. This…
BySuraya
Authors note: When I first wrote Welcome to Financere: An AI/Personal Finance Short Story back in 2020*, I never imagined AI would be so normalised as it is today in 2025. To me back then, AI is the technology of ‘the future’. But I guess that future is now; the present. As we speak, there…
BySuraya
Welcome to another edition of my monthly budget updates, where I break down my expenses by category and share the highlights and lowlights of the month. So how was your September? Well, we went traveling – belanja my lil family their first Europe trip! Did 10 days between Denmark + Sweden + Abu Dhabi. Total…
BySuraya
Here’s something I observed, after being in the personal finance space for a while: everyday Malaysians want more guidance in their money management from an unbiased professional (aka not agent). But MOST people don’t know where to find a financial planner or financial advisor, or even start the process. I got you. Here are 4…
BySuraya
Welcome to another edition of my monthly budget updates, where I break down my expenses by category and share the highlights and lowlights of the month. So how was your August? Me.. I kept waiting (and missing) for good time to rebalance my portfolio. BTC in particular hovered between 58k-64k levels. Ideally, I’d love to…
BySuraya
Welcome to another edition of my monthly budget updates, where I break down my expenses by category and share the highlights and lowlights of the month. So how was your July? Mine was full of activities: I frequently met up with family, met some friends, attended some classes (kursus jenazah, Japanese language class and I…
BySuraya
So, you want to start your small business in Malaysia. You have figured out what business idea to focus on (if you haven’t, scroll at the end of this article for 100+ small business ideas in Malaysia), how to get clients, and how to charge for your services. Now, what else is considered a must-do?…
BySuraya
Welcome to another edition of my monthly budget updates, where I break down my expenses by category and share the highlights and lowlights of the month. So how was your May? For me, I think I’m just… hanging in there. I am grateful to be able to stay at home to be baby Mika’s primary…
![How to Register SOCSO Self-Employment Social Security Scheme [90%-100% Subsidy Available!]](https://i0.wp.com/ringgitohringgit.com/wp-content/uploads/2020/03/PERKESO-Self-Employment-Social-Security-Scheme-a.jpg?fit=768%2C384&ssl=1)
BySuraya
I enrolled myself in the PERKESO/ SOCSO Self-Employment Social Security Scheme!!! (By the way: PERKESO = Pertubuhan Keselamatan Social = Social Security Organisation = SOCSO) This is so exciting. SOCSO Self-Employment Social Security Scheme was previously only available for the Passenger Transportation Sector (ie e-Hailing drivers), but as of January 2020 have since been extended…
