Gold Standard: Standing The Test Of Time
Did you know, gold has always been a trusted way to save for the future and it’s not difficult for you to start!
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5 Famous Corporations That Started as SME Businesses
Need a little boost in motivation to get your side business started? Here are stories of 5 major international companies that started out as tiny enterprises.
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The Advantages of Putting All Your Loans in One Bank
Managing your financial commitment can be a tedious affair, especially if you have multiple loans and bills to settle. Read on to find out how you manage all of your loans with just one account.
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Tips on Managing Payroll For Your Small Business
Paying your workers is an important part of running your business, so if you're keen to know the best ways to manage this, read on and find out!
Here's How You Pay Your Income Tax In Malaysia
Received a letter telling you that you need to make payment for your income tax? Fret not, here are a list of methods that you can use to pay income tax in Malaysia
A Quick Guide to Submitting Your Documents Online
Having troubles with sending documents online? Fret not, we have some tips to help you on this matter
4 Best Accounting Software Programmes for your Growing SME Business
Why crack your brain crunching numbers for your business all day when you can let your computer do it? Here are the top 4 accounting software programmes for your growing business!
5 Things You Can Do To Cut Costs for Your Small Business
Making money doesn't mean much if you overspend it! Here are some big ways to cut costs down on your SME business' expenses...
The Pros & Cons of Entering a Franchise Business
Planning to tread on the path of a franchisee for your future business ventures? Read this guide to discover what are the pros and cons of entering a franchise business.
The Types of Loans Every Business Owner Should Know
There's all kind of loans out there that can be useful for every type of business owner. So if you're running a little side gig of your own, these are the kinds of loans you should really get to know!
How Do You Choose the Right Loan for Your Small Business?
When your business is in need of a financial boost, don’t just take the first loan offer that comes knocking just because you need a lifeline.
SME Friendly Payment Gateway Options to Boost Your Business
Planning to utilise a payment gateway system to enhance your SME business but unsure which option fits your business model? Here is a list of payment gateway options available in Malaysia.
How to Fund Your SME Business Without Taking A Loan
Your small or medium enterprise needs funding? You don't necessarily need a loan to take care of that. Here are several options you can go for instead!
SME Business Loans – Busting the 3 Myths
Is it true that you will need to well-connected to get your SME loan approved? Read on as we will debunk these oft-spoken about myths surrounding SME bank loan.
Small Business Loan - Spearhead Your Business Ventures Further
There's more than just monetary benefits when you apply for a small business loan. Read on to find out how it can improve your business prospects.
How is an Islamic Savings Account Different From a Conventional One?
Islamic banking works a little differently than conventional banking, and their savings account do, too. Here's a quick rundown of the major differences between these two bank accounts!
What You Need to Consider Before Buying A Property for A Small and Medium Enterprise (SME)
Are you office-hunting? Or perhaps looking to buy a space for your retail store? Read this guide on how to decide if buying a property for your business is the best decision for you now!
Gold Investments in Malaysia: Is it Worth the Price?
Not sure if gold is something you should be investing in? Here's a brief primer on how to get started and what to watch out for!
How Do You Register a Business in Malaysia?
Did you know that having a business without a valid Business Registration Certificate from the SSM can land you a fine of up to RM50,000 fine or 2 years jail time? Find out more here!
Perks of Sticking to One Bank for All Your Financial Needs
There are plenty of benefits to sticking with one bank for your many financial needs. Some of which you might not even be aware of!
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Why Use Your Debit Card Instead of Cash?
Have you ever wondered if there is a better payment method than cash? Of course there is! Read on to find out why you should be using your debit card more than cash!
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What Are the Advantages of Premier Banking?
Ever wondered what kind of privileges and benefits exactly that you would get from premier banking? Let's talk about that!
How do Islamic Credit Cards Work?
Do you need to be Muslim to use it? Are there purchase restrictions? What about payments? All this and more about Islamic credit cards!
Should You Have Multiple Savings Accounts?
Ever debated if you should or shouldn't have more than one savings or current account? Find out how having multiple savings or current account can help improve your financial management here!
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All You Need to Know About Priority Banking
Wondering how premier or priority banking works and how to get those exclusive benefits and privileges? We explore exactly that!
5 Financial Lessons to Teach Your Children Before They Turn 12
Give your children an early introduction to the all-important concepts of money – from saving to being a clever consumer!
Do You Think It’s a Good Idea to Go Completely Bankless?
What if you decided to do away with your bank account completely? Find out if you’d be better off without essential banking services.
Why Do Bank Cards Need Expiration Dates?
If this question has kept you up at night, it’s time to find out the reasons behind expiry dates on your bank payment cards.
What Are the Differences Between Cash Back and Cash Rebates?
Being offered cash back and cash rebates are completely tempting when making a purchase – but did you know that these rewards are not always the same?
How NOT to Write a Cheque
Not only are there good ways to write a cheque, there are also common mistakes when writing them. To help you avoid making those mistakes, let's list them down one by one!
Why You Should Do Business With More Than One Bank
You may be a loyal customer of a certain bank – but can it pay to have more than one account in other banks as well? All signs point to yes!
How to Consolidate Your Debts with a Personal Loan
Did you know your separate bills and commitments can be consolidated easily into one payment? We'll tell you how it can tremendously help your finances!
Why Are People Still Using Chequebooks?
While it's gotten a lot less popular over the years, people are still paying and being paid in cheques. But why? And is there something to learn from this? Let's find out!
Balance Transfers vs Easy Payment Plans: Which Feature is Better?
If you're looking at two credit cards and one has EPP while the other has an attractive balance transfer, which one should you choose? Let's compare these two to help you decide!
How to Avoid That Awkward Moment When Your Card Gets Declined
If you’ve ever been stuck trying to make a payment with your credit or debit card – this is what you should do the next time it happens.
Everything Banks Can (Legally!) Do to You If You Don’t Pay Back Your Loans
If you think it isn’t such a big deal to miss a few loan repayments, think again. Find out what banks can really do to you if you don’t fulfil your end of the deal.
Everything You Need to Know About Zakat in Malaysia
How do you pay? How much? Are you qualified for it? We address all the questions you always wanted answers to but are too afraid to ask!
How to Tell Good Warranties From Bad Warranties
What is a warranty for? How do you tell if it's good or not for the product you're buying? Here's everything you need to know in one handy guide!
What is a Current Account and Do You Even Need One?
Not sure what a current account actually is? You are not alone! Here’s a quick and easy guide to get you up to speed on the subject.
How to Retrieve These Financial Documents (if You Lose Them!)
Even the most orderly person loses things sometimes. But what if they're super important financial documents? Here's what to do and how to do it.
Buying a House in 4 Simple (But Not So Easy) Steps
Buying a house for the first time and not sure what to do, where to go, or how to get started? We have your guide right here.
Old Malaysian Ringgit Notes and Coins Are Worth More Than You Think
Through the years there have been certain denominations of our Malaysian Ringgit that has been discontinued. Do you have any of these? It may be worth a lot now.
How Do You Spot Fake Money?
We know there are security measures in place to prevent cash from being counterfeited, but what are they and how do we make sure our money is real? Let's find out.
Banking Service Categories Everyone Should Know
Get to know some basic banking service categories and have a better understanding of how you may apply it to your everyday life.
How Does Investing Work?
For those completely new to investing, curious beginners, or those who just want to know what all the fuss is about, here's the absolute basics of investing and how it works.
Choosing the Right Kinds of Savings Accounts for Your Family
Taking advantage of the right type of savings account can open up world of new features and benefits. Check out these tailor-made accounts that cater specially to the kids, teenagers and golden oldies in your life.
Conventional Banking vs Islamic Banking
Many confuse facts around conventional and Islamic banking. We've laid them out along with advantages and disadvantages for your future banking convenience.
How do Bank Loans Work?
Completely new to banking and curious how the whole 'loan' thing works? Or just introducing the concept of banking to a newbie? This simple comic is the perfect thing to share around!
4 Questions to Ask Yourself When Choosing A Bank
There's no perfect bank for everyone, but there's almost certainly the best bank for your needs. Here are 4 questions to ask yourself to know which bank that is.
A Beginner’s Guide to Islamic Banking
Why does Islamic banking even exist? What are their specific features and who benefits from their particular way of functioning? Here's a quick and clean summary for the uninitiated.
The Debt Service Ratio Explained
The Debt Service Ratio is used by every bank to decide how much more lending your income can take. We explain how this ratio is calculated so you will have some idea as to how your new application is going to work out for you!
Top 5 Current Accounts In Malaysia
Read on to find out our top 5 handpicked choices for the best current accounts in the market. Whether you want to earn high interest, online banking, overdraft, or simply want to keep your money safe, we've covered them all!
Introduction to Personal Loans
Thinking of a personal loan but not sure where to start? Read our easy guide on personal loans for newbies.
Frequently asked questions about Personal Loans
Want to borrow some money? Don't know where to start? Read the top 5 questions about personal loans answered by the RinggitPlus team of experts
3 Competitive Banking Promotions That Benefit You
Banks are constantly in competition for your business. This is ultimately good news for you because it created 3 great ways you can save by 'jumping ship' to a competitor bank!
What to Do When You Lose Your ATM Card
The unthinkable has happened: you've lost your ATM card and with it all access to your hard-earned cash. What should you do?
The Basics of a Personal Loan Explained
Thinking of applying for a personal loan but not entirely sure how it works? We give you the bare basics.
5 Questions to Ask Yourself Before Applying For Credit Card
Have you been thinking of signing up for a credit card? To find out if you're ready, here are five questions you should ask yourself.
A Guide to Sending Money Overseas
Sending money overseas can be tricky. In this simple guide, we explore some of the most common ways you can do this, as well as their pros and cons.
What Does it Mean to Be a Guarantor?
Many readers have asked us about what it means if they have agreed to be a guarantor for someone. In this article we answer that question and give you some advice on what you should do if you are thinking of becoming a guarantor.
Getting Your Credit Report (CCRIS) From Bank Negara
Last week's article brought up how you could clear yourself from being "blacklisted". Wondering if you're on that list? Here we tell you how you could get your credit report in a few easy steps.
Steps to Clearing Your Bank Negara Blacklist Status
The term 'blacklist' strikes fear in many Malaysian banking customers. Here we tell you about the dreaded Bank Negara Blacklist and how you can clear your blacklist status.
What is a Survivor Clause and Why Should You Have One?
A survivor clause in an ownership agreement, like a mortgage, could save you a lot of headache in the event of the sudden death of your wife, husband or partner. We explain how this works to protect you.
What You Need To Know About Current Accounts
Are current accounts only for business? With so many benefits to offer, such as overdrafts, cheque books, and even the option to earn interest on your current account balance, maybe it's time to rethink your banking!
Standing Instruction vs. Direct Debit - Is there a difference?
Which option should you go for? Both essentially accomplish the same thing, and while the difference might be subtle, it would probably be worthwhile knowing the difference between the two.
A Savings Account For Every Stage of Your Life
You may know what a savings account is generally, but what is the difference between a basic savings account and a senior savings account? Read on to find out!
Should you dump your savings account for a fixed deposit?
Savings accounts may be useful when you need the money in time of need, but the interest rate is pretty low. Why not opt for a fixed deposit instead?
How to Tell the Difference Between A Current Account and Savings Account
Current accounts and savings accounts are the two most common types of checking accounts offered by banks - but what exactly is the difference between the two?
Fixed Deposit Variations - Step Up and CASA Bundling
Spot an unbelievable rate for a Fixed Deposit? Think again! We take a look at some of the methods banks use to inflate their interest rates.
The Difference Between Islamic and Conventional Fixed Deposits
Ever wonder what's the difference between a Conventional and Islamic fixed deposit? Well look no further because in this article, we'll be exploring the differences between the two.
Can a balance transfer cut your credit card debt?
There may be times where you find yourself deep in debt and paying your credit card bill becomes a challenge. If this speaks to you, a balance transfer may just be what you're looking for.
Introducing Fixed Deposits in Malaysia
Banking basics made simple: A guide on all there is for a newbie to know about Fixed Deposits in Malaysia.
Choosing your first Credit Card
Looking to get your first a credit card? Before sending in your application read our guide covering the basic info - what you need to know about credit cards.
6 things you must know about credit card terms and conditions
Most people don't read their credit card terms and conditions when they apply. If you aren't fond of small print make sure you know how to check the most important things that you're agreeing to.
Giro Interbank - An alternative way to make Credit Card payment
Guest contributor Xaivier Chia gives us an introduction to new Interbank Giro fees, explaining how it can be easier and more cost effective to pay your credit card bills online.
What is a Standing Instruction?
You may have heard of Standing Instructions. Here we explain how they work and what you should consider before applying for a Standing Instruction to manage your monthly payments.
