MONEY MASTER

Have you ever wonder if you could ever retire?  Most people find it difficult to go through the month with their current earnings....so what do you expect to happen when you retire? Is retirement possible? While Malaysia set a minimum savings at age 55 to be RM196,800, meaning that you will have about RM820 a month for 20 years. Quite a small amount but if you have already got your healthcare taken care of, mortgage settled and children's education done, you should be quite safe.  Now, if you think RM196,800 is a small sum and insufficient, then it's better that you be prepared. If you want a comfortable income to sustain you and your family after you retire, you have to start planning now. Not tomorrow, not in the future.  Here are some ways that you can mess up your retirement plan and ended retiring poor. 1) NOT ENOUGH SAVINGS If your monthly income is good enough to cover your expenses only, maybe it should be an indicator that you ar...

If you think Microsoft's new CEO is making another bold statement without action, think again. Microsoft's new CEO, Satya Nadella is serious about cloud computing and he has a strategy. A supposedly comprehensive predictive analysis service — and all you have to do is store your data in Azure, the Microsoft cloud. The service will be known as Microsoft Azure Machine Learning (ML) was announced on Monday but will only be available in June. This is the first time where Microsoft combines their very own software with publicly available open source software, so that it's much more easier for usage than most of the available arcane strategies that are available now. Machine Learning - fixing today's problem yesterday The VP for ML at Microsoft proudly said, "This is drag-and-drop software." This is a big step forward in popularizing what is currently a difficult process in increasingly high demand. It would also further the ambitions of Sa...

I'm not a believer of technical analysis but I heard a lot of people in the investment industry look at the technical analysis and try to understand the trend and behaviour of the stock moving forward by looking at the chart.  Well, I'm no expert to it but if you are interested, here is one term that you should understand: Trade Volume Index (TVI) .  A technical indicator that measures the amount of money flowing in and out of an asset. Unlike many technical indicators, the TVI is generally created using intraday price data. The underlying assumption of this indicator is that there is buying pressure when the price trades near the asking price and selling pressure when it trades near the bid. The TVI is actually very similar to the on balance volume indicator but it takes the volume attributable to every trade instead of just the closing volume.  Generally, TVI helps investors to identify which security is being accumulated (buy) and which are being di...

Just over a year ago, Salesforce actually labelled Microsoft Corp as the "evil empire".  Now, they are friends. Why the sudden change? Most probably it's because of one man. The new CEO Satya Nadella. New man in charge of Microsoft Corp It's hard to imagine former Microsoft CEO Steve Ballmer sitting down with salesforce.com Head, Marc Benioff for any reason, let alone to announce a strategic partnership between the two once-bitter rivals. But in yet another win for Nadella, the two were weren't just in the same room, they were gushing about each other's services late last week as they announced the joining of forces. The deal doesn't include Salesforce incorporating Microsoft's Azure Infrastructure-as-a-Service (IaaS) yet, but that shouldn't prevent both from recognizing gains from the alliance. For Salesforce, its leading CRM solutions will now be incorporated into Windows phone and desktop devices -- yes, there are stil...

Well, if you're following the news, you'll probably disagree with this statement: IPOs are almost always a bad investment. After all, if you bought 7-11, you're probably looking your stock at 1.61 now, from the 1.38 ringgit that was priced each in its IPO. 7-Eleven Malaysia Holdings Bhd (SEM), controlled by Malaysian tycoon, Vincent Tan is looking like a great investment, just like how Karex turn out last year. Again, if you bought IPO, you have earned some big money. So, why did I said IPOs are almost always a bad investment? Well, I didn't say it. That was a statement made by the man who earn a fortune from investment, Warren Buffet. Buffett told Berkshire Hathaway shareholders that initial public offerings are almost always bad investments . He says there is so much hype involved that IPOs won't be the most-attractive value. He said investors should be looking for good businesses to buy and trying to determine how those companies will fare in...