Muhammad Tahir - Muhammad Tahir

Is Cryptocurrency Halal or Haram? A Shariah analysis

The essential Sharia requirement for a means of payment for goods and services to be recognised as an acceptable tender of settlement is that it should be acceptable to a substantial number of counterparties in a given demography or community.

Personal Musings

Hedge Funds: An explainer to Showtime's Billions

The news that breaks on the hour is late. If you wait for breaking news, you are late. If you are late, you are a dead fish in the water. Whales like Bobby swallow you whole.

Personal Finance

Personal Finance 101

While everyone does not need to be a financial expert, everyone should learn a few personal finance basics regardless of their knowledge level. It might be tricky to know what to start with since the personal finance category is pretty broad. However, there are some principles that you must master.

Personal Finance

Personal Inflation: The Negative Effect of Rising Cost of Goods on Your Budget

An old woman, grey yet energetic, comes out of the grocery store smiling as she has done every month for the past five years. Her grocery list hasn’t changed a bit neither has the fantastic feeling that comes with buying them. Yet, she noticed that she has been spending

Investing

Top 3 Financial Lessons I Learned from 2020

Last year was a tiring year for most people. The loss of job/ source of income, the lockdown and the virus itself has made the year a year to remember. The lockdown was the highlight of last year, and most lessons tend to look at the lessons the virus taught

Personal Musings

Why Bitcoin's Stock to Flow Model Is Flawed

Stock to Flow Ratio is the amount of a commodity held in inventories divided by the amount produced annually. It is a measure of the abundance of the commodity. The higher the stock to flow ratio, the more scarce a commodity is and vice versa. The S2F ratio of an

Personal Musings

Annual Review 2020

With all that we have being through collectively and individually, this year has changed us all, in ways we can’t fathom. The effect? A lifetime.

Personal Musings

The Office: Our Garrison

My dad’s office or as ‘we’ preferred to call it office was a meeting point, a life-changing relationship hub. Starting out as a freshman, I already had the opportunity to interact with students in their final year and some postgraduate students. This interaction opened my horizon way more than

Cryptocurrency

A Preview to Cryptocurrency as an Investment

Cryptocurrency or crypto as usually abbreviated is the latest fiat currency in circulation. Instead of paper, or any physical representation of this currency, it is a purely digital currency. This means it is online — up in the clouds. You could read here a summary of the evolution of money in

Islamic Finance

Islam and Capitalism: The Convergence and Divergence

Islam is the total submission to the will of Allah and abstaining from Shirk (associating partners with ALLAH).This means that we Muslims must strive to do everything for the sake of Allah. Islam is a total way of life. Its system of laws spread through all spheres of life;

Investing

Understanding Stocks — minus the maths

Stocks? What comes to your mind when you hear the word “stocks”? To me, it means part ownership in a company. Here comes the big jargon: Stocks also known as equity is a security that represents fractional ownership in a corporation or company. A unit of stock is called a

Personal Finance

5 CRUCIAL STEPS ON THE PATH TO BUILDING WEALTH

This is a guide to flesh out the obvious, a couple of simple steps to help you be on your path to wealth. Wealth is an abundance of valuable material possessions or resources. For the sake of this article, wealth refers to financial wealth. Building wealth is a long journey,

Risk and Asset Allocation II: Risk Categories

Different investors have different limits to the risk they are willing to take. The higher the ability of an individual to take risk, the higher the person’s risk appetite. Some investors can stomach much more risk than others.

Investing

Risk and Asset Allocation I: Types of Risks

Diversifying offsets the risk of a type of investment with other different investments. The market rewards idiosyncratic risks

Personal Finance

Personal Budget

A budget is a plan used to forecast the amount of money that would be spent and on what it will be spent during a particular period— quarterly, monthly or yearly. It shows both income (revenues) and expenses of individuals, corporate bodies and even nations. Different people have different budgets,

Personal Finance

Misconceptions about Money

The fear of money is real. It’s funny how we all love money (not in a bad way you know) but are scared to talk about it. It is not anyone’s fault, most people grew up with the wrong beliefs on money. Some wrong beliefs include: Money is