Two weeks ago, I posted an article on the survey that reveals many Malaysians do not settle their debt in full every month, so, I guess I need to keep the momentum in posting articles that will create the awareness on the importance of financial management in the adult life. This is even more important to many Malaysians as the purchasing power in Malaysia is not so high compare to even our neighboring countries like Singapore, so, every penny counts and important.
From the article, I found that there are a lot of the given examples are quite true and I can even find those among my circle of friends - mainly splurge to have holiday outside of Malaysia and using a big portion of the retirement fund to fund their children's education oversea.
The article is as follows:-
Avoiding Personal Financial Crisis
ANECDOTAL evidence seems to suggest that there are still many Malaysians, especially the young adults, who do not really practise sound financial management.
Consider the case of 28-year-old Albert Tan (not his real name). Having worked for only five years as a marketing executive, Tan has already amassed credit card debts amounting to RM50,000. He holds at least five credit cards from five different banks.
Tan does not see the importance of settling his credit card loans as soon as possible to avoid high interest payments. He prefers to repay only the minimum amount required each month for each of his credit cards. And thinking that personal loans can help ease his “financial burden”, Tan has taken up offers by his credit card banks for personal loans amounting to RM40,000.
Foo: ‘Sometimes people with low income have no choice.’
One might be thinking where has he been spending all those money? Well, besides using some to pay part of his debts that are due, Tan likes to spend it on the latest electronic gadgets, entertainment and leisure.
Tan draws a monthly salary of RM5,000. Not too bad for a person his age, and he is lucky he doesn't have to pay rent as he is staying with his parents in the suburb of Kuala Lumpur. But he has been living beyond his means, amassing big debts through credit cards and different types of loans, including personal and car loans.
Sujatha, a 26-year-old writer, also has credit debt problems. She owes two banks around RM20,000 after having splashed the money on traveling overseas last year.
But what sets Sujatha apart from Tan is her resolution to settle her credit card debts within the next 12 months through a disciplined installment programme, and she's not tempted by banks' offers of personal loans.
“I've learnt my lesson. It hurts to see a huge sum going to repayment of my loans, so next time, I'll be wiser,” Sujatha says.
Experts tell StarBizWeek that Tan and Sujatha's cases are common among many Malaysians. And for an unrepentant debtor like Tan, experts fear he is flirting with financial disaster.
Last month, the Insolvency Department recorded 116,379 bankruptcy cases in the country between 2005 and April 2012. Of that number, about 20% involved individuals below the age of 35, while 32% involved those between the ages of 35 and 44, and 18% involved those aged between 45 and 54.
Most of the bankruptcy cases were due to debts over vehicle loans (25%), personal loans (13%), housing loans (12%) and business loans (11%). Bankruptcy due to credit card debts was around 5%.
If Tan does not change his ways, experts say he will become part of statistics.
Consider what Prime Minister Datuk Seri Najib Tun Razak said over the week about managing the country's economy to prevent any form of financial crisis, and one could draw a parallel between the four main aspects that he highlighted and the basic principles of personal finance management.
Najib said the most basic thing to do to avoid a financial crisis in an economy was to ensure that expenditure did not exceed income (for an individual, it means not living beyond one's means).
Najib went on to say that an economy should have ample operating surplus to prevent any borrowings to finance management expenses (for an individual, think building one's wealth, and not simply take on unnecessary loans to finance personal and unproductive expenses).
The third rule that Najib highlighted was that a country's fiscal deficit should be on a progressive declining trajectory (for an individual, this means working towards reducing one's debts). And the last rule was to have a balance between revenue base, which ought to be large, and the capacity to provide incentives and stimulus to certain sectors or sub-sectors (for an individual, this sounds like proper planning and working towards one's ultimate financial objectives).
“Planning is important. Failing to plan is planning to fail,” AmBank wealth management head Joshua Lim asserts.
“You see, people always have unlimited wants, but the truth is, they only have limited resources, so they have to make choices, and proper financial planning is key,” Lim argues.
For a start, Lim advises individuals to assess their current financial situation, and then identify their objectives, and start to analyse ways and options to achieve those goals. He, however, stresses the importance of being practical and realistic about setting financial objectives based on one's projected financial standing.
Using a budget to manage one's inflow and outflow of money is important, according to financial planning experts, as it gives a clear idea of how one's money is spent.
“It is very important to track the usage of money, and to ensure that one does not use the wrong funds for the wrong purpose,” Lim says.
He points to using one's money in the Employees Provident Funds account that is meant for one's retirement being used to finance children's education as an example of using the wrong funds for the wrong purpose.
For MyFP Services Sdn Bhd managing director Robert Foo, the most basic principle for an individual is never to spend beyond one's earnings. In reality, though, Foo reckons it is very difficult for many Malaysians to observe this basic principle.
“Sometimes, people with low income have no choice. The tendency to overspend is because basic living expenses are rising faster than their income growth,” he explains.
“One should defer spending on discretionary items, for example, if one can't really afford it,” Foo says.
So, financial experts advise individuals to assess their needs objectively to evaluate whether it is necessary to take on debts to acquire goods and assets.
“Simply taking on debt will result in one not optimizing one's resources,” Foo points out.
Lim concurs, saying that taking on too much debt could result in one finding it difficult to meet one's financial obligations later on.
As for building one's wealth, experts say seeking new sources of income and making the right investment choices is the way to go.
Foo preaches “dual income. He says, “It is important to find ways to earn extra income. We live in an uncertain world, so one needs to have something to fall back on if one income stream was to be suddenly cut off.”
Financial experts also advocate having a diversified investment portfolio to build one's wealth.
Source: The Star BizWeek
Welcome to MONEY MASTER. Money Master is a financial management and money talk blog where our aim is to become the money master rather than the slave to the money. Making money is no easy job if you treat it as a burden but once money becomes your friend and work for you, that is when cash flows in. Becoming the money master rather than slave to it helps us redefine the whole idea of earning more - it's more like the money working for us.
Translate This Page
-
Stock Info Market Monitor Company Profile Intel Corporation designs, manufactures, and sells integrated circuits for computing and communic...
-
KUALA LUMPUR (Nov 6): Bursa Malaysia ended the first trading day of the week on a positive tone, with the benchmark index rising 1.02% to ...
Malaysia Bank Swift Code
What is Swift code? Swift code is known as ISO 9362 and is a standard format of Bank Identifier Codes approved by the International Organiza...
Tuesday, July 31, 2012
Monday, July 16, 2012
How The Richest 400 People In America Got So Rich
It's been like a while since I last update this blog, but finally I intended to update this blog with an article that I found which suits the blog very very much. It is about how the richest 400 people in the United States of America got so rich, and basically the summary of the article is stocks will outperform any form of other investment.
The article is as follows:-
In 1992, the 400th richest person in America made $24 million.
In 2007, the 400th richest person in America made $138 million (or $87 million, inflation-adjusted).
Now, that almost certainly wasn't the same guy. There's a lot of churn at the top of the money pyramid. In all of the 1990s, only 25% of the Fortunate 400 made more than one appearance. But the overall message is the same. The rich keeping getting richer.
According to the IRS, which recently released 2009 data from the 400 richest individual income tax returns, the real runaway growth in wealth has come from capital gains. In the last years of the bubble, the "Fortunate 400" made nearly half their income from capital gains (a.k.a.: profit from the rising value of an investment, such as stocks or property) and less than 10% of their income from old-fashioned wages.
The average income of a top-400 earner grew by 650% between 1992 and 2007 to a whopping $344 million. Over that time, the average salary barely doubled. But the average capital gains haul increased by 1,200%. How do the richest get richer? Not from their wages. From their investments.
Here's a look at the average salary and average capital gains income of a top-400 earner since 1992. Y-axis is labeled in thousands of dollars and all-time highs are noted in the graph.
Three last things:
(1) Who are these people? As Tim Noah explained on our business page, a 2010 study studied the top 0.1 percent, who currently make at least $1.7 million. That's 45-times less than our Fortunate 400 group in 2009, but it's the closest we've got. Four in ten in this group were executives, managers, and supervisors at nonfinancial firms. Eighteen percent were financiers. Next came law (7 percent), medicine (6 percent), and real estate (4 percent). My guess is that the top 400 skews toward finance and chief exec even stronger. A lawyer/doctor making $2 million I can imagine. But $77 million?*
(2) Capital gains absolutely dictate the wealth of the richest Americans. As Matt O'Brien graphed for us, that's why the income of the top 0.1 percent hugs the S&P so closely.
(3) Remember that as this is happening, the long-term capital gains tax rate has fallen from 28 percent in 1990 to 20 percent for the latter half of the 1990s to 15 percent under George W. Bush.
Source
The article is as follows:-
In 2007, the 400th richest person in America made $138 million (or $87 million, inflation-adjusted).
Now, that almost certainly wasn't the same guy. There's a lot of churn at the top of the money pyramid. In all of the 1990s, only 25% of the Fortunate 400 made more than one appearance. But the overall message is the same. The rich keeping getting richer.
According to the IRS, which recently released 2009 data from the 400 richest individual income tax returns, the real runaway growth in wealth has come from capital gains. In the last years of the bubble, the "Fortunate 400" made nearly half their income from capital gains (a.k.a.: profit from the rising value of an investment, such as stocks or property) and less than 10% of their income from old-fashioned wages.
The average income of a top-400 earner grew by 650% between 1992 and 2007 to a whopping $344 million. Over that time, the average salary barely doubled. But the average capital gains haul increased by 1,200%. How do the richest get richer? Not from their wages. From their investments.
Here's a look at the average salary and average capital gains income of a top-400 earner since 1992. Y-axis is labeled in thousands of dollars and all-time highs are noted in the graph.
Three last things:
(1) Who are these people? As Tim Noah explained on our business page, a 2010 study studied the top 0.1 percent, who currently make at least $1.7 million. That's 45-times less than our Fortunate 400 group in 2009, but it's the closest we've got. Four in ten in this group were executives, managers, and supervisors at nonfinancial firms. Eighteen percent were financiers. Next came law (7 percent), medicine (6 percent), and real estate (4 percent). My guess is that the top 400 skews toward finance and chief exec even stronger. A lawyer/doctor making $2 million I can imagine. But $77 million?*
(2) Capital gains absolutely dictate the wealth of the richest Americans. As Matt O'Brien graphed for us, that's why the income of the top 0.1 percent hugs the S&P so closely.
(3) Remember that as this is happening, the long-term capital gains tax rate has fallen from 28 percent in 1990 to 20 percent for the latter half of the 1990s to 15 percent under George W. Bush.
Source
Saturday, July 14, 2012
Survey reveals many Malaysian do not settle their debts in full every month
I just started to blog about the cons of using credit card in Credit Card - Friend or Foe (Part 3) and to my surprise, I read news that a survey done reveals many Malaysians do not settle their debts in full every month - the debt here meaning the credit card debt.
The news is as follow:-
PETALING JAYA: A global survey has revealed that Malaysians are among the worst credit card repayers in the Asia-Pacific region.
According to the survey, less than half of the local respondents polled online say they repay their credit card debts in full every month.
Given this, Malaysia has one of the lowest repayment rates among the developing markets that were surveyed.
About 15% repay more than the minimum requirement while 18% of Malaysians repay only the minimum amount required.
This is although two out of five Malaysians polled claimed to use credit cards for shopping, dining and entertainment.
In contrast, the highest repayment rate was in Taiwan, where 89% of respondents service their credit card bills in full followed by Japan (87%) and South Korea (85%).
Neighbours Singapore and Indonesia also fared much better with 80% and 59% respectively, while only Vietnam came off worse than Malaysia at 27%.
The Nielsen Global Survey of Investment Attitudes also showed Malaysians are generally one of the top 10 savers in the world, but 45% of the online respondents also have various loans and insurance payments.
Meanwhile, two out of five Malaysian consumers are investing their money via various channels.
“Of those investing, 67% prefer mutual fund/unit trusts, 49% prefer stocks, 27% invest in gold, silver and other precious metals, a quarter in structured investment products, 15% in foreign currencies, 10% in bonds and 8% in derivatives,” said Nielsen in a press release yesterday.
The survey also disclosed that less than 19% of respondents rely on financial planners or advisers when deciding on personal finance or wealth matters.
On the other hand, 43% of the respondents make their own choices without anyone's advice while 21% seek advice from friends, relatives and colleagues.
Just one in every 10 persons rely on investment tips from commentators, experts or spokesmen broadcast over television, radio or the Internet, and six per cent make investment decisions on impulse.
“Knowing consumers' attitudes towards wealth management while creating relevant opportunities to engage with consumers and manage their needs is still a challenging task for financial planners and investment institutions, especially when four in 10 consumers do not trust others when making financial decisions,” said Nielsen Malaysia's head of Customised Research Luca Griseri.
The Nielsen Global Survey of Investment Attitudes was conducted from Feb 10-27 this year and polled more than 28,000 online consumers in 56 countries throughout Asia Pacific, Europe, Latin America, North America, the Middle East and Africa.
Source: The Star
The news is as follow:-
PETALING JAYA: A global survey has revealed that Malaysians are among the worst credit card repayers in the Asia-Pacific region.
According to the survey, less than half of the local respondents polled online say they repay their credit card debts in full every month.
Given this, Malaysia has one of the lowest repayment rates among the developing markets that were surveyed.
About 15% repay more than the minimum requirement while 18% of Malaysians repay only the minimum amount required.
This is although two out of five Malaysians polled claimed to use credit cards for shopping, dining and entertainment.
In contrast, the highest repayment rate was in Taiwan, where 89% of respondents service their credit card bills in full followed by Japan (87%) and South Korea (85%).
Neighbours Singapore and Indonesia also fared much better with 80% and 59% respectively, while only Vietnam came off worse than Malaysia at 27%.
The Nielsen Global Survey of Investment Attitudes also showed Malaysians are generally one of the top 10 savers in the world, but 45% of the online respondents also have various loans and insurance payments.
Meanwhile, two out of five Malaysian consumers are investing their money via various channels.
“Of those investing, 67% prefer mutual fund/unit trusts, 49% prefer stocks, 27% invest in gold, silver and other precious metals, a quarter in structured investment products, 15% in foreign currencies, 10% in bonds and 8% in derivatives,” said Nielsen in a press release yesterday.
The survey also disclosed that less than 19% of respondents rely on financial planners or advisers when deciding on personal finance or wealth matters.
On the other hand, 43% of the respondents make their own choices without anyone's advice while 21% seek advice from friends, relatives and colleagues.
Just one in every 10 persons rely on investment tips from commentators, experts or spokesmen broadcast over television, radio or the Internet, and six per cent make investment decisions on impulse.
“Knowing consumers' attitudes towards wealth management while creating relevant opportunities to engage with consumers and manage their needs is still a challenging task for financial planners and investment institutions, especially when four in 10 consumers do not trust others when making financial decisions,” said Nielsen Malaysia's head of Customised Research Luca Griseri.
The Nielsen Global Survey of Investment Attitudes was conducted from Feb 10-27 this year and polled more than 28,000 online consumers in 56 countries throughout Asia Pacific, Europe, Latin America, North America, the Middle East and Africa.
Source: The Star
Sunday, July 1, 2012
Credit Card - Friend or Foe (Part 3)
My first two posts, Credit Card - Friend or Foe (Part 1) and Credit Card - Friend or Foe (Part 2) on credit card were slightly bias towards the pros of using credit card rather than the cons of doing so. While I can think of the many pros of using credit card, not every one can fully utilized the benefit of swiping this plastic without ever getting deeper into the pit of debt.
Credit card debt is one of the most feared debt as the interest charged by the financial institution is high, I'm not sure other countries, but in Malaysia the interest charged on credit card normal retail usage are range from 15% (up from previous 13%) to 18% per annum and the amount is accumulated until you fully paid off.
Aside from the high interest rate, there are quite a lot of hidden charges or so call penalty for not paying the credit card on time, or in full amount. There is a grace period of 20 days interest free after the statement closed for the previous month, but still there are a number of people who ignore it and finally pay the price of being ignorance.
See from the above examples, we can easily identify two cons of swiping this plastic money. There are more of the cons, but I will leave it on another post. As it stands, credit card can be friend, and at the same time it can turn against us. Use it wisely, you will find that there are more benefit in swiping credit cards.
Credit card debt is one of the most feared debt as the interest charged by the financial institution is high, I'm not sure other countries, but in Malaysia the interest charged on credit card normal retail usage are range from 15% (up from previous 13%) to 18% per annum and the amount is accumulated until you fully paid off.
Aside from the high interest rate, there are quite a lot of hidden charges or so call penalty for not paying the credit card on time, or in full amount. There is a grace period of 20 days interest free after the statement closed for the previous month, but still there are a number of people who ignore it and finally pay the price of being ignorance.
See from the above examples, we can easily identify two cons of swiping this plastic money. There are more of the cons, but I will leave it on another post. As it stands, credit card can be friend, and at the same time it can turn against us. Use it wisely, you will find that there are more benefit in swiping credit cards.
Subscribe to:
Posts (Atom)
Labels
Investment
News
share market
bursa malaysia
FBM KLCI
market daily report
stock
stock market
Brokers Report
Malaysia
Financial Management
brokers call
Personal Finance
research report
Financial
Economy
General
stock investment
Money
Articles
FBMKLCI
Stocks
market
PublicInvest Research
Budget
Wall Street Update
PublicInvest research report
Wall Street
KLCI
oil & gas
1MDB
Hong Leong Investment Bank research report
Personal Opinion
Dow Jones
Issue
US
bursa
Credit Card
Debt
Kenanga research report
equity market
kenanga research
oil price
politics
ringgit
Market Watch
PPP
klse
najib
property development
Malaysia Weekly Highlights
Nasdaq
oil
property
thoughts
EPF
Hong Leong Investment Bank Research
Income Tax
construction
Maybank Research
Misc
Money Master
Najib Razak
S&P 500 Index
The Edge Financial Daily
US stock market
bank negara
weekly
weekly investment term
China
Companies in Focus
Inflation
Loan
Rules
Theedgemarkets
business
maybank
plantation
s&P 500
warren buffett
Crude Oil
Insurance
MIDF research report
Maybank IB research
Retirement Planning
Reuters
business news
finance
global
opinion
spending
stocks with momentum
technology
Bank
Brokers
Feng Shui
OPEC
Savings
Wealth
bear market
currency
financial services
global market
investing
microsoft
wallstreet
1 Malaysia Development Bhd
1Malaysia Development Bhd
BNM International Reserves
Billionaire
Budget 2016
Commodity
Disney
Investment Term
Malaysia News
PCB
Petronas
Richest People
STD
Saudi Arabia
bloomberg
british american tobacco
gaming sector
low oil price
media
publicInvest
russia
share investment
stock pick
telecommunication
top glove
trading
wallstreet update
weakened Ringgit
2010
2016
Air Asia
America
Bad Debt
Bill Gates
Billy Toh
Budget 2017
Calculation
Chinese New Year
Currency Exchange
Education
Fed
Forex
Gold
IPIC
Income
Iran
Kenanga Research research report
Lembaga Tabung Haji
MAS
Macquarie research report
Oil & Gas sector
Quote
RHB
Semiconductor Industry Association (SIA)
Star Wars
Star Wars: The Force Awakens
US Fed hike
affin hwang capital
airasia
analyst
apple
axiata
bearish market
business highlights
construction & engineering
consumer products
dow jones industrial average
earnings report
equity
expenses
global bear market
healthcare
hup seng industries berhad
inari
inari amertron berhad
interest rate
learning
malaysia airlines
market news
maybank investment bank
oil and gas
oil palm plantation
oil prices
opr
overnight policy rate (OPR)
s&P500
s&p
satya nadella
scandal
thought
thought of the day
2013
2014
Bank Negara reserves
Broker Report
Budget 2020
Cash Rebate
Donald Trump
Earn
Financial Planning
Financial World
Forbes
Global Competitiveness Report
Global News
Global semiconductor sales
Goldman Sachs
Good Debt
How The Rich Get Richer
IOI Corp Bhd
India
Intelligent Investor
Interest Rates
Linear Income
M&A Securities
Mahathir
Malaysia Business Highlights
Maybank 2 card
P1
Passive Income
Privacy Policy
PublicInvest Bank research report
REIT
RHB Investment Research
RHB Research Report
RM
SIA
Sector review
TA Research
TM
TPPA
Telekom Malaysia
Tun Dr Mahathir
US news
USD
USD against MYR
United States
Wall Street Journal
World Economic Forum
Zeti
airasia x
airlines
apple inc
asset allocation
automotive
aviation sector
azure
banking sector
bat
beverage
bonds
box office
brent crude
budget 2015
bumi armada
buy property
cash
consumer discretionary
default
developer
electricity tariff hike
engineering
financial market
global economy
greece
gst
home
hong leong investment bank
house
infrastructure
iphone
jobs
kossan rubber industries
macquarie equities research report
malaysia Ringgit
market close
market updates
mukhriz
nadella
new era for oil
opinions
pipeline services
politic
public bank
random
rate hike
research
retirement
ringgit crisis
sector update
semiconductor
semiconductor sales
semiconductor sector
shale producers
share
sime darby
stock market. oil & gas industry
tax
technical analysis
telco sector
the edge
weekly news
world market
0% Easy Payment Plan
1MDB scandal
1mdb story
20 cents
2009
2011
29 minutes
3.25%
53 cost cutting measures
7-eleven
9 Things Rich People Do Differently Every Day
ABNxcess
AFP NEWS
AMMB
Abu Dhabi fund
AirAsia X Bhd
Alcohol
AmInvestment Bank research report
Amazon
Ambank
Aminvestment research report
Ann Joo
Ann Joo Resources Bhd
Anwar
Apple watch
Asia
Asian stock market
Avengers
BIMB Securities Research
BJ Auto
BP Plastics Holding Bhd
BSI Singapore
Bailout
Banking and finance sector
Benjamin Graham
Biden
Bio Osmo
Book
Borneo Oil Bhd
CIMB
CLIQ Energy Bhd
CPO export tax
CPO price
CSI 300
Carlos Slim
Carlsberg
Cepatwawasan Group Bhd
Charts
China General Nuclear Power Corp
China's bond market
China's wealthiest man
Christmas
Circuit breaker
Citibank Cash Back card
Commodity Watch
Credit
Customer Service
DSKH Holdings (M) Bhd
Dagang NeXchange Bhd
Datasonic Group Bhd
David cameron
Debt Status
Deficit
Deloitte
Dividend
Domestic news
Dutch Lady Milk Industries Bhd
E.U
ECB
EON
Eastern & Oriental Bhd
Eco World
Eco World Development Group Bhd
Edra
Euro
Europe Central Bank
European Union
Evergreen
External Trade
FPSO Genesis
Fed rate hike
Federal Reserves
Federal rate
Fitbit
Fitbit Inc
Gamuda
Genting Malaysia Berhad
George Kent (M) Bhd
Global Competitiveness Index
Global Issue
Gordon Growth
Greece exit
Greed is Good
Guan Chong Bhd
Guinness
HSBC
Hasbro
Hektar Reit
Hiap Teck Ventures Bhd
Highlights
Hillary Clinton
Hock Seng Lee
Hong Leong Bank Bhd
Hong Leong Bank Investment research report
Hong Leong Bank Wise card
Hong Leong Industries Bhd
ICB
IMF
INTC
IPO
IPOs
IT
Ibraco Bhd
Intel Corporation
International Petroleum Investment Company (IPIC)
Islamic Banking and finance sector
Ismail Sabri
JF Apex Securities
JF Apex Securities Research
Janet Yellen
Jerasia Capital Bhd
Junk
KNM
KNM Group Bhd
KVMRT 2 Investment
KWSP
Keep Up With The Joneses
Khir Toyo
LHDN
Leissner
Lim Kit Siang
Lucasfilm
M+ online Market Wrap
MARA
MH370
MIDA
MISC Bhd
MLTA
MPC
MRTA
MSN Money News
Madza
Malaysia Airports Holdings
Malaysia Banking
Malaysia Bond Market
Malaysia fund
Malaysian Palm Oil Board
Malaysian Ringgit
Mara Digital Store
March CPO export tax
Maxis
Maybankard 2 Card
Microsoft in the new era
Millionaire Next Door
Mistakes
Motivation
N2N Connect
NAP 2014
NTPM Holdings Bhd
Nazir Razak
News Update
News at a Glance
Nikkei
O&G
OCBC
OPEC war
OSA
Obama
Office 365 Windows 10
Oil Watch
PTPTN
Packet One
Parkson
Paypal
Perdana
Perisai
Petronas Chemicals Group Bhd
Petronas Gas Bhd
Pintaras Jaya Bhd
Pioneer Natural Resources Co
Power
Practical ways on spending
Prestariang Bhd
Public Investment Research
PublicInvestresearch report
RBC Capital Markets
RCP average poll of US election
RGB International Bhd
RHB Research
RM crisis
RM2.6 billion
ROE
Ranhill Holdings Bhd
Rants
Rating
Raya holiday
Recession
Ringgit's volatility
SEM
SKB Shutters Corp Bhd
SME segment
SP Setia
SRR
Saizen REIT
SapuraKencana
Seacera Group Bhd
Shale oil
Sime Darby Bhd
Simee Darby
Singles
Stimulus Plan
Stock Selection for the Enterprising Investor
Sunway Construction Bhd
Superlon Holdings Bhd
Swift Code
TIME
TMI
TNB
TOYOTA
TRC Synergy
Tan Sri Tony Fernandes
Tax Reliefs
Technorati
Tenaga
Tenaga Nasional Bhd
The Citizens Declaration
The Edge Weekly
The Negative Side
The New York Times
Tim Cook
Titijaya Land Bhd
Trans-Pacific Partnership Agreement
Trump v Clinton
Tsipras
U.K
UEM Edgenta Bhd
UMNO
UMW Oil & Gas
UOA
US Box Office
US election
US fed
US manufacturing data
US market
US patent and trademark
US prosecutors
US stocks
USA
USD/MYR
USEconomy
Uchi Technologies Bhd
Ultra-Rich Networth individuals
UniFi
United Kingdom
Uob one card
Versatile Creative Bhd
W-8BEN
WCT Holdings
Wahid
Wal-Mart
Wall Street support
Warren's Way
Windows 10
Yak Yew Chee
Yellen
Yinson Holding
abenomics
aemulus
affordable housing
ahmad bashah
ahmad zahid
airline
airports
alibaba
alternative investment
aluminium
asian market
audit
automobile
azure machine learning
bank negara malaysia
below $30 a barrel
berjaya auto bhd
berjaya food
bond market
borneo utara highway
brexit
britain
broadband
budget 2018
budget revision
bulk purchase of property
bullish
bullish market
burse
cloud computing
cocoa
coffee
consumer staples
consumption power
cost of having a baby
crane
customer
data
debt investor
deflation risk
development
downpayment for your home
early election
earnings per share
economic outlook
economic outlook 2016
economic sanction
economics
economy outlook
ecoworld
effective gross income
egi
election
election budget
electric utility
electricity
electricity bill
electricity production
endowment plan
energy sector
entertaiment
eps
essay
european central bank
eversendai
eversendai corp
export data
family
food beverage
food services
forecasts
foreign-worker levy hike
fundamental questions on retirement
genting group
genting plantation
george soros
global energy
global stock market
globetronic
glove
goldman
great eastern
group purchase of property
has oil bottom?
health
higher price
home business
household & Personal product
how low can ringgit drop?
humor
industrial package
industry product
interest
internet
investment income
investment plan
investment strategy
iraq
jack ma
jack ma ready to take on the world
jaks resources bhd
japan
jobless
kimlun
klci index
knowledge
land reclaimation work
lawsuits
life
lifestyle
lifestyle inflation
liquefied natural gas (LNG)
machine learning
maintain buy
malaysia government
managing debt
manchester united
manufacture polyrethane product
manufacturing
marine engineering
market closing
market outlook
markets
mazda
medical insurance
metering
microsoft earnings
middle class
monetary policy committee
moneymaster
mortgage
movie
negative
nestle
noon market
offshore marine support services
oil & gas services
oil gain
oil madness
oil market
oil production
oil rally
oil&gas
oldtown
opr hike
patent
petrol
petrol chemical
petroleum
petronas gas
pipeline project
positive
power generation
power plant
prime minister
primus pacific
private placement
profitability ratios
project reference
property & infrastructure
property development and investment
putrajaya
quantitative easing
relative strength index (RSI)
renewable energy
reputational risk
resources
retail
retailing
retirement fund
rhb research institute
risk
risks
ruble
salesforce
sapurakencana petroleum
savings for retirement
scicom
scientex
scomi energy services bhd
sector
sell
share markets
share price
shinzo abe
shipbuilding
shopping mall
stagnation
star publication (M) bHd
starbucks
statistics
steel
stock market bursa malaysia
stock market investment
stock price
swiss
swiss bank
takaful
tech
technical indicator
telco
the malaysian insider
the star
thermo-vacuum form plastic packaging manufacturer
time value money
top gainers
top losers
trade volume index (TVI)
traditional healthcare
uchi tech
umw holdings
upstream oil & gas
ursa malaysia
value of compounding
wal-mart effect
warren buffet
water related engineering
wearable tech
webe
windows
worldwide sales
zecon