Calculating Electricity Charges and Usage in Malaysia

Recently, I am having quite a lot of things on my side to be done and I find that I neglected my blog for quite a long time. Sorry to all readers who are following my blog. Today, I am going to talk about electricity, the charges and the way to calculate electricity charges as well as usage in Malaysia.

For quite a long time, I have been wondering how is the electricity is calculated and how much charges are incurred on electricity. I have fond some useful detail and I would want to share it with all of you who are reading my blog. So, read on, prepare a piece of paper and a calculator, try to calculate your monthly electricity usage and charges.

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Fundamental Analysis: Price to Earning Ratio (PE Ratio)

Price to Earning ratio is commonly known as PE ratio. PE ratio is a very commonly used ratio to find some good deal in the market and to spot the under-priced stocks. PE ratio can be calculated using Price per share and Earning Per Share (EPS). By referring to PE ratio, you actually know how long would it takes to recoup your money. If you are unsure what it means "how long would it takes to recoup your money", then read on to learn about it.

The formula to calculate PE ratio is as below:

PE Ratio = Price Per Share / EPS

I have included 2 examples to share with you the calculation of Price to Earning ratio (PE ratio).

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Fundamental Analysis: Share Buysback

Share Buybacks basically means the company of the stock is buying back their own shares in the market. This means that the total number of shares in the market will be reduced due to the act of Share Buybacks.

Share Buybacks is a good action taken by the company if the company has excessive cash or fund. This is because Share buybacks will reduced the total number of shares in the market and thus will create several benefits as follow:

Benefits of Share Buybacks:

1. Increase the Earning Per Share (EPS). I hope you still remember what is EPS, if you have forgotten, you can read it again.

2. When shares are being bought back by the company, this means the number of outstanding shares in the market is being reduced and the shares you are holding become more valuable.

3. A company that is executing Share Buybacks gives investors and traders a clear opportunities. This is because company that is buying back their own shares means that they are confident with the company's performance and Share Buybacks gives investors and traders a signal of better future growth. (Think of it this way: If Company A is buying back their own shares in the market, surely the company is very confident that their company will perform better in near future. It might also means that the price of the stock will be going up soon.)

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Controlling Your Holiday Spending using Prepaid Credit Card

Prepaid means paying first before you actually spend. By using prepaid credit card, we can control your spending and you will not overspend because you will stop buying when the credits in the prepaid credit card reaches the limit.

A lot of people starts to buy a lot of things when it is nearing the end of years especially during holidays and festive seasons. Prepaid credit cards can be very useful to help control our spending habits. Overspending is a bad habit of almost everyone having a credit card. This is because buying things using credit cards need no cash at all, all we need to do is to bring the card and we pay for the things we buy using it. This will cause overspending and buying a lot of things that are not needed.

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Fundamental Analysis: Earning Per Share

Earning Per Share or commonly known as EPS is a common term among investors. Earning Per Share is calculated to know the earning power of a company per share. This means that the larger the value of Earning Per Share, the better the earning power of the company. Some of you might already be very familiar with EPS because it is a basic analysis that will be used by investors when buying a stock. This is the basic reference for investor to get an idea of the earning power of a company before investing.

Earning Per Share can be calculated quite easily. You need to have the two values below to calculate Earning Per Share:

1. Total Company's Earning
2. Total Share Outstanding

In case you do not understand what is meant by Total Company's Earning an Total Share Outstanding, you might find this post useful to help you identify the two values and calculate EPS.

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Fundamental Analysis: Enterprise Value (EV)

In the two previous posts, I discussed about two methods of Technical Analysis for stock investment. Today, let us explore one of the fundamental (Fundamental Analysis) approach to stock investment called Enterprise Value.

Enterprise Value is one of the Investment Valuation ratios. There are some other ratios such as Price/Earnings ratio, Price/Book Value ratio, Price/Sales ratio, Price/Cash Flow ratio and so on. Those ratios will be discussed in the coming post.

Investment Valuation Ratios:

Investment Valuation Ratios are ratios used to identify the fundamental of a company (stock) before making the decision to buy or not to buy. As mentioned earlier, some other ratios are Price/Earnings ratio, Price/Book Value ratio, Price/Sales ratio, Price/Cash Flow ratio and so on.

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Real Estate Investment Trust (REIT)

Real Estate Investment Trust or commonly known as REIT or REITs is more like unit trust than stocks. REITs are listed on Bursa Malaysia and you can easily check the changes in prices everyday as long as the Bursa Malaysia is open for trading. REITs are quite for long term investors but it is not that suitable for short term investors.

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