Buying a house and turning it into a home is on the wish list of most but due to high building material and labour cost, how should you budget for your renovation? Kenneth Tan, a first time home buyer shares his experience so that we can avoid the expensive mistakes but also know where the cost savings are.



Ringgit & Sense is powered by InsureLit from Sun Life Malaysia. Life is brighter under the sun.

Buying a house and turning it into a home is on the wish list of most but due to high building material and labour cost, how should you budget for your renovation? Kenneth Tan, a first time home buyer shares his experience so that we can avoid the expensive mistakes but also know where the cost savings are.Ringgit &amp; Sense is powered by InsureLit from Sun Life Malaysia. Life is brighter under the sun.

Sharper and stronger than a double espresso. The Morning Run stretches your mind and braces you for the business day. It's your fast track into work where you can hit the ground running. From 6am to 10am weekdays, the Morning Run brings you the biggest stories and must-listen-to interviews. Stay enlightened, make educated business and investment decisions.

Ringgit and Sense

We explore financial themes and help you make sense of the world of finance. From setting financial goals, managing finances, investing and understanding the various issues that affect our wallets. Ringgit and Sense wants to help you understand personal risk profiles, realistic investment horizons, retirement planning, managing education loans and health insurance plans, as well as breaking down the various personal finance products that are available.

Ringgit & Sense

Home Renovations No Small Change 

Buy now pay later services have made it tempting to split a purchase into a few installments. But has it also given us a false sense of our purchasing power? 




Shereen Hazirah Hishamudin, Senior Research Associate, at Khazanah Research Institute joins us to discuss what are the consumer protection in place at the moment, who is more prone to the risks of falling into a cycle of high debt, whether it can serve as a safe borrowing channel. 




Khazanah research  recently published a report titled “The Financialisation of Our Lives” with the second chapter focusing on the rise of buy now pay later.

Image Credit: Shutterstock.com

Buy now pay later services have made it tempting to split a purchase into a few installments. But has it also given us a false sense of our purchasing power?&nbsp; Shereen Hazirah Hishamudin, Senior Research Associate, at Khazanah Research Institute joins us to discuss what are the consumer protection in place at the moment, who is more prone to the risks of falling into a cycle of high debt, whether it can serve as a safe borrowing channel.&nbsp; Khazanah research&nbsp; recently published a report titled “The Financialisation of Our Lives” with the second chapter focusing on the rise of buy now pay later. Image Credit: Shutterstock.com

Buy Now Pay Later, A Blessing Or Trap? 

We delve into the financial mindset of young Malaysians with Peter Yong, Co-Founder and CEO of Mr. Money TV. We'll discuss whether it's fair to say they spend excessively and struggle to save against the backdrop of stagnating wages and rising living costs. We also dive into some very practical financial advice and the importance of the right mindset.

We delve into the financial mindset of young Malaysians with Peter Yong, Co-Founder and CEO of Mr. Money TV. We'll discuss whether it's fair to say they spend excessively and struggle to save against the backdrop of stagnating wages and rising living costs. We also dive into some very practical financial advice and the importance of the right mindset.

Practical, Non-Judgemental Financial Advice For The Young

Cryptocurrencies are increasingly mainstream with the launch of ETF's but what are the pitfalls of this asset class and will it replace fiat currencies one day? Andy Baehr, Managing Director at CoinDesk Indices tells us and also what are the lessons from the recent FTX trial and the fall of its founder, Sam Bankman Fried.



Ringgit & Sense is powered by InsureLit from Sun Life Malaysia. Life is brighter under the sun.



Image Credit: Shutterstock.com

Cryptocurrencies are increasingly mainstream with the launch of ETF's but what are the pitfalls of this asset class and will it replace fiat currencies one day? Andy Baehr, Managing Director at CoinDesk Indices tells us and also what are the lessons from the recent FTX trial and the fall of its founder, Sam Bankman Fried.Ringgit &amp; Sense is powered by InsureLit from Sun Life Malaysia. Life is brighter under the sun.Image Credit: Shutterstock.com

Home Renovations No Small Change

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