Get a FREE issue of the new Bloomberg Businessweek Now

After receiving and reading a FREE Copy of Shares Investment Malaysia Edition, I find out we also can get a free copy of new Bloomberg Businessweek as well via internet application.

First of all, let me summarize the previous free digest (Shares Investment Malaysia Edition):
The digest start from few current economy or business articles or reviews or forecast, then some fundamental summary of the listed companies, which include top turnover, top gainer, top loser, top dividend, top ROA etc, and then, follow by briefly reviews of each listed companies. However, one drawback I found after reading the digest is : It did not contain all listed companies. Maybe those companies, I was looking for, were too inactive. However, as an valued-investor, I always try to get rid of too active stock since most of them are over-valued or over-optimistic to the future performance.

Next, in order to receive a free copy of new Bloomberg Businessweek, all you need to do is go to the link below and fill out the form about your mailing detail.

http://preview.businessweek.com

After that, all we can do is WAIT. Actually, I also don't know how long we need to wait for receiving this free issue of Bloomberg Businessweek. Since it is totally free-of-charge, I just signed up it and see how long I need to wait for this free copy. That's all for today. More fascinating articles and sharing will be updated from time to time in Xaivier Blog. So, you are welcome to subscribe our feed, look at our sitemap or simply visit our Homepage.

Written by: Xaivier Chia

HDFC Mutual Fund launched Fixed Maturity Plan 182 Days April 2011 (1) with face value of Rs. 10 per unit : open for subscription on 5 April and close for subscription on 7 April 2011.

HDFC Mutual Fund has launched a new fixed term fund named as HDFC Fixed Maturity Plan 182 Days April 2011 (1), under HDFC Fixed Maturity Plans - Series XVII, a close-ended income scheme. The duration of the scheme will be 182 days. The face value of the new issue will be Rs. 10 per unit. The new issue will open for subscription on 5 April and close for subscription on 7 April 2011.

The investment objective of the plan is to generate regular income through investments in debt / money market instruments and government securities maturing on or before the maturity date of the plan.

The scheme shall offer two options - growth and dividend option.

The scheme would invest 60% to 100% of assets in debt & money market instruments including securitized debt. The scheme may invest up to 40% of net assets in government securities.

The minimum application amount is Rs. 5000 and in multiples of Rs. 10 thereafter.

The fund seeks to collect a minimum subscription (minimum target) amount of Rs. 1 crore under the scheme during the NFO period.

Entry and exit load charge will be nil for the scheme.

Benchmark Index will be CRISIL Liquid Fund Index.

The scheme will be managed by Mr. Bharat Pareek and Mr. Miten Lathia. 

src: indiaInfoline

The difference between Amortization and Depreciation in Cash Flow Statement

Cash is the most important asset of a company. A good company has the able to convert its goods and services into cash as fast as possible. Besides producing cash from its goods and services, non-cash item such as depreciation and amortization are also considered as cash in the cash flow statement. This is one of the major reason why some companies are able to give dividend to its shareholders even though the company did not get any profit in that particular fiscal year. As a result, we should put much attention on both amortization and depreciation when we want to analysis and predict the cash flow condition of a particular company.

According to investopedia.com, although both of them, depreciation and amortization, are used interchangeably, technically, we should use depreciation and amortization to describe tangible assets, e.g. properties, plant and equipment, and intangible assets, e.g. good will, trademark, respectively.

Nevertheless, as an investor instead of an accountant, it looks like both of them are the same thing because what I need to know is the sum of them and how long of them in such a way that I can predict the condition of the company in the future.

That's all for today. More fascinating articles and sharing will be updated from time to time in Xaivier Blog. So, you are welcome to subscribe our feed, look at our sitemap or simply visit our Homepage.

Written by: Xaivier Chia

Source: http://www.investopedia.com/terms/a/amortization.asp

Financial Management: The Power of Inflation to Make Our Money Useless

So, what is the inflation rate last year? 5 percent? or 10 percent? If you ask me, I would suggest you calculate it yourself. In this post, I am going to record my experience toward this matter, inflation, in my life.

First of all, let's take my favorite bread as an example. I still remember, five years ago, when I was a high school student, the bread cost me $1.00. Guess what, it costs me $2.20 now!!! Only five years, my money has been diluted more than 100% !!!! In other words, can you image that if your salary is not increased 100% within 5 years, you can only eat the half of a bread now, compared to 5 years ago. Unfortunately, it is quite impossible that our salary will be increased 100% in that limited period of time.

Next, let's look at my expenses during my Bachelor Degree. During the first semester, if I took a taxi from my university to bus station, which cost me only $5.00. After 4 years, the fare was $8.00, at least!!! But, guess what, my scholarship did not increase owing to this effect. In other words, the price was increased 60% within 4 years. Thirdly, let's look at the meal expenses. Again, it only cost around $3.00 during my first year of study. Now? Yes, the price was $5.00, at least. Or, it increases around 70%.

As you can see, it is so horrible. Unlike WMD, weapons of mass destructive, this weapons simply make the poor poorer, the rich richer. So, what we can do is to invest our money wisely and let it grows with the rate of inflation.Besides, it is cannot be denied that the inflation rate is also different in different locations. Therefore, it is our duty to spend our money wisely.
 
That's all for today. Feel free to give me a comment about this topic or any suggestion about Xaivier Blog. More fascinating articles and sharing will be updated from time to time in Xaivier Blog. Therefore, do subscribe our feed, look at our sitemap or simply visit our Homepage.

Written by: Xaivier Chia

Note: Different countries have different inflation rate. This is just dependent on the economy development of that particular country.

Taurus Mutual Fund has launched Taurus Fixed Maturity Plan 367 Days Series C, a close-ended income scheme: new issue closes on 11th March

Taurus Mutual Fund has launched Taurus Fixed Maturity Plan 367 Days Series C, a close-ended income scheme.



The investment objective of the scheme is to generate income with
minimum volatility through investments in a portfolio of debt and money
market instruments maturing on or before the maturity of the scheme. The
tenor is 367 days.



The new issue closes on 11th March. The minimum investment amount is Rs5,000.



CRISIL Short Term Bond Fund Index is the benchmark index. Rahul Pal and Pankaj Jain are the fund managers.

What is variable life insurance plan (VLIP) and its difference with unit-linked insurance plan (ULIP ) , Advantage of VLIP and all about premium which combines investment and insurance

A variable life
insurance plan (VLIP) combines investment and
insurance, just like an unit-linked insurance plan (ULIP). Variable
life insurance schemes offer flexibility in the proportion of mortality
and savings components.

These plans
also offer more transparency, simplicity, quick liquidity, guaranteed
minimum returns, transparent charges and ample risk cover. This type of
life insurance allows you to participate in several investment options
simultaneously targeting your premiums to separate accounts.


Generally, the optional investment funds include stocks,
bonds, money market funds, equity funds, or a combination of them all.
Variable Life Insurance allows you to switch from one sub-account to
another.

You can also apply the
interest earned on these investments toward the premium, reducing the
amount you pay. In a departure from the ULIPs, the returns are declared
by insurance companies annually and are not linked to the stock market.


One part of the premium is
allocated to buy life insurance. The balance is invested in bonds or
equities. The premium amount cannot be altered in the course of the
policy, but the death benefit and savings element can be reviewed and
altered as the policyholder's circumstances change.


You can increase your insurance protection and decrease the
investment component, or vice versa. Another feature of this plan is
that it does not get automatically canceled if the policyholder fails
to pay the premiums as long as the premiums paid till date meet policy
requirements. Under the plans, the premiums paid by the holder, after
deduction of charges, will be credited to the account maintained
separately for each policyholder.


If all due premiums are paid, the amount held in the policyholder's
account will earn an annual interest which will be guaranteed for the
entire policy term. In addition to this guaranteed return, if all due
premiums are paid, the individual policyholder's account may earn an
additional return depending upon the experience under the plan.


There is an option to pay additional
(top-up) premiums without any increase in risk cover to the extent of
total basic premiums paid under the policy. The premiums can be paid
regularly at yearly, half-yearly, quarterly or monthly (through ECS mode
only) intervals over the term of the policy. The sum assured ranges
from 10 to 30 times the annualised premium, depending on age of entry.


There are two types of variable life
insurance plans - participating and non-participating. Participating
plans offer a guaranteed return, while nonparticipating plans offer an
annual bonus at the end of each financial year in addition to guaranteed
returns.

The minimum sum assured
is Rs 50,000 or 10 times the annualised premium, whichever is higher for
entry at the age below 45 years. After that age, the maximum is Rs
50,000 or seven times the annualised premium.


Top-up premium is allowed throughout the term. In case the
insured decides to increase his contribution through a onetime top-up, a
maximum of up to three percent charges may be deducted from the top-up.
The product also provides for loans up to 60 percent of the balance at a
specific rate of interest. 

src:ET

Financial Freedom Plan – The power of Passive Income

Generally, the definition of financial freedom is the time that you are no longer needed to work hard for money. In other words, you have enough passive income to support your daily spending. For example, if you wish to have a passive income of 5,000 per month, or (5,000x12) 60,000 per year, and you are able to generate 10 percent return from your investment. By having a capital of 600,000, you already achieve your financial freedom. Pretty simple, huh? There is why investment is very important and is a must in the journey of financial freedom.

The problem is, for people like me (a zero capital fresh graduate) how to accumulate this amount capital. Actually, it is also not very difficult, but it requires lots of self-discipline and financial education. In fact, self-discipline will help you save the initial capital, and then, by using your financial education, you can, actually, invest and re-invest your money to boost your capital significantly. So, is it possible to achieve financial freedom just using self-discipline? Yes, but it would take a very long time.

I believe there are lots of examples in our life. Look at the people around you who are never splash their money. Their life is pretty simple, but yet not need to worry about the problem of not enough money or downsizing. A simple calculation shows that if you save 1000 per month or 12,000 annually, you need 50 years to achieve the capital of 60,000. Besides, please be reminded that you might also not able to generate 10 percent return of investment (ROI) because you do not have any financial knowledge.

Therefore, financial Education is very important to achieve financial freedom. There are some suggestions to speed-up the journey of financial freedom.

1. Reducing the desired passive income.
2. Increasing the percentage of the return of investment (ROI)! (More financial Education)
3. Increasing the amount of saving per month! (More self-discipline)
4. Start learns and practises investment now! (Self-discipline + Financial Education)

Again, as a person who enjoys his life, I prefer to the option of 2, 3, and 4 only to achieve my ultimate goal. That's all for today. Feel free to give me a comment about this topic or any suggestion about Xaivier Blog. It will be a great support to Xaivier Blog.

Written by: Xaivier Chia

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Properties: 6 Important Things to Remember Before Buying Your First House

If you are planning to buy your first house, you can look through classified ads or browse through relevant listings online (Here are some online listing in Malaysia). From there, you will see that there are a lot of homes for sale, each with different specifications and corresponding price tags. However, here are some important considerations that you should remember to avoid unnecessary troubles.

1. Work on your credit rating
If you are planning to get a mortgage to pay for your new house, you should put attention on your credit scores. Since financial institutions will be reviewing your credit history, it is important that you review your personal credit reports to ensure that all the figures and details are correct. Work on this prior to getting the mortgage so you will not have problems later on.

2. Consider hiring a home inspector
Being a first-time homebuyer, you will need all the help you can get. It is generally a good idea to have a licensed home inspector to check the property you are going to purchase. These professionals are knowledgeable about the technical features of the house, such as the electrical and plumbing works, structural elements and many others. An inspector may be able to identify potential problems that could affect the house’s value or the quality of your time there.

3. Make sure that you really need it
Buying a house involves lots of money and commitment, so it is wise to review your decision before you start looking for possible options. One of the considerations you should make is whether you are really planning to settle in a home for a considerable period of time. It might be an impractical and expensive move to buy a house if you do not intend to stay in it for more than a year.

4. Know what you are looking for
There are abundant properties for sale on the market. As a result, you might easily be swayed into buying something you do not really need. To avoid making a bad investment, you should always have a clear idea of what you are looking for. You can list the specific features you want the house to have, such as the number of rooms and so on, as well as how much you are willing to pay for it. Refer to this list when you start your search.

5. Consider the neighborhood
The neighborhood you live in will definitely have an effect on your stay in your new home. The neighborhood should also be safe and accessible.

6. Location
Last but not least, it is also very important for you to decide what type of location you want the house to be in. If you work out of the home, consider factors including convenience and distance with respect to your place of employment. Moreover, if you have school-aged children, you might want to make sure that your new house is not far from your kids’ school. You might also consider what other infrastructure and facilities you want to be present in the area. These will not only add comfort and convenience to your life, but they can also significantly increase the value of your house if you plan to sell it in the future.

Your first home will be one of the biggest purchases you will make in your lifetime. Therefore, every effort you make to ensure that you make the right investment is indispensable.

Edited by: Xaivier Chia

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Free Access to Exclusive Rich Dad Financial Education Product from Robert Kiyosaki

Most of the available financial education stuff are provided by the author of Rich Dad Poor Dad. Here are some of them I found from internet which are free of charge:

1. RichDadWorld.com – Get FREE Access to Exclusive Rich Dad Products (Register required)
https://www.richdadworld.com
“Rich Dad World’s goal is to increase your financial IQ, and bring you a world of possibilities, a world of learning, a world of understanding. A take charge world, where you’ll be equipped to take command of your finances and live a Rich life."
Get access to powerful Rich Dad products - an $800 value - yours FREE. The PowerPack includes the Choose to Be Rich online home study course, and much more. This is Rich Dad’s way of helping people succeed financially in this uncertain time. Get yours today and Share With a Friend!

2. FREE community membership to play the CASHFLOW® Web Game (Register required)
https://www.richdad.com/Secure/register.aspx

3. Free Online Simulation Financial Education Game for Kids
http://www.richkidsmartkid.com

4. Financial Education Stuff for Teacher
http://www.richdad.com/RichDad/RichContent.aspx?cpid=35


5. Online Free Book - Conspiracy of the Rich
http://www.conspiracyoftherich.com/

6. Online Article - Why the Rich Get Richer
http://finance.yahoo.com/expert/article/richricher/257090

Robert Kiyosaki says: “My Rich Dad said, ‘All of us have the power of choice. I choose to be rich, and I make that choice every day.’” Personally, I also choose to be rich plus happy. That's why I am so hardworking everyday.

Prepared by: Xaivier Chia

TED: Mechai Viravaidya: How Mr. Condom made Thailand a better place

How to think outside of the box? Can condom bring better future in a country? Again, this is another fascinating and inspiring talk in TED about How Mr. Condom made Thailand a better place by  Mechai Viravaidya. From this talk, we are going to discover the power of condom to save the lives of people, the power of commitment from the people to change their future, and the power of education to made Thailand a better place in a short period of time.





Indeed, a combination of right approach, commitment and education, everything is possible. However, the question is, how many of us have this kind of commitment, how many of us are willing to accept this kind of education, and how many of us are putting our afford to search right approach in our life.

In the stock market investment, for example, how many of us are willing to learn the right approaches, how many of us are looking for the right education, and how many of us have commitment to do them?

Commitment is different from desire.

Of course, all "investors" are desired to earn money from stock market. But, having commitment is another story. Commitment is applying right approach in a long period of time without affected by other people point of view. This is very hard and required lots of self-discipline. Desire, on the other hand, is just sort of temporary feeling. Therefore, it is a good idea to ask yourself whether I am desired or committed to have a relationship first before searching your soul-mate, for instance.

That's all for today. Feel free to give me a comment about this topic or any suggestion about Xaivier Blog. It will be a great support to Xaivier Blog.

Written by: Xaivier Chia

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Market Watch - Free Widgets for Webmaster

Here are some widgets about global market. I think these are very useful for those want to have a quick view about the market. Besides, webmasters who have investment related websites will also find them useful since they will provide more updated investment information for their visitors. However, one should bear in mind that most free stuff are not in real time, all of them are not exceptional.



Feel free to give me a comment about this topic. It will be a great support to Xaivier Blog.

Review by: Xaivier Chia

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Basic Types of Real Estate Investments: Residential, Commercial, Retail, Industrial, Trusts, Mixed-use

The process of a real estate investing involves purchasing, owning, renting, managing or selling of real estate properties. The motivations of real estate investing are leveraging, cash flow, and capital appreciation. However, one should always remember that the fundamental rule to succeed in real estate investing is buying a good property at good location with a low price. Good property denotes the quality of the property. Good location represents the future prospect of the property. And finally, low price will always ensure the investor has enough safe margin and avoid to be a victim from bubble property. Therefore, investors should do their homework seriously, investigate and compare the property with others such as Tangier property, before making any decision in real estate investing. Besides, it is a good idea to understand the six basic types of real estate investments as shown in this post.


1. Investment Trusts of Real Estate
Real estate investment trusts (REITs) is one kind of stocks in major exchanges. In other words, investors can invest real estate through buying or selling the REITs securities in stock market. Generally, when a corporate entity that belongs to this type of real estate investment, a particular tax designation is granted, which decreases or completely eliminates that company’s corporate income tax. In return, the company should distribute 90% of their income to its investors. In these cases, however, the distributed income may be subject to tax.

2. Residential Real Estate Investment
Generally, the return of this kind of investment is through renting or leasing houses, apartment complexes, vacation homes or townhouses to families or an individual person besides the capital appreciating,

3. Commercial Real Estate Investment
Typically, commercial real estate investment involves investing in the construction of a commercial building that will house several offices and work spaces which can be leased out to anyone who want to use of the property such as companies and organizations.

4. Retail real estate investments
In retail real estate investment such as shopping malls and other retail venues, the landlord can rent out spaces to businesses and retail enterprises. Besides, in some cases, the landlord is also given a percentage of the sales generated by the tenant of the rented space.

5. Industrial real estate investment
Industrial real estate investments, such as factories, warehouses, storage units, garages, car washes or any other industrial properties, usually charges additional fees for the use of property facilities.


6. Mixed-use Real Estate Investment
By combining other types of real estate investments to be a single investment project, mixed-use real estate investment helps investors to control and reduce risks via diversifying their portfolio. For example, an investor with large capital have an option to establish a small town equipped a variety of properties. These properties could then be leased out to interested tenants such as retail shops, office spaces, warehouses and apartment buildings in that same town.

Since different types of real estate investments will give different opportunities to investors to suit their needs and purposes. After briefing some types of basic real estate investment, I hope you can make the right real estate investment for you. That's all for today. Feel free to give me a comment about this topic or any suggestion about Xaivier Blog. It will be a great support to Xaivier Blog.

Review by: Xaivier Chia

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Why EPS, P/E ratio, NAV, ROE, ROA and dividend yield are never enough in investments

Sometimes, it is quite common for new investors crazy about calculate so-called investment tools like EPS, P/E ratio, NAV, ROE, ROA and dividend yield etc during choosing a good investment. However, experienced investors always share their experience since investment is not merely a mathematics calculation and comparison. This article, Understanding Fundamental Analysis (Part 5), have explained the reason behind.

This article is using Lehman case as an example to explain why EPS, P/E ratio, NAV, ROE, ROA and dividend yield are never enough in investments.
"Lehman’s revenue and earnings have been soaring and beating analysts’ forecasts for 5 consecutive years. But let us take a look at its cash flow statement and balance sheet. It is clear that Lehman was highly leveraged. It has been increasing its borrowings at a frantic pace over the years. In FY07, Lehman booked US$6.8b in operating profit and equity of US$21.4b, but it had US$434b in borrowings, meaning that its leverage ratio was 20 times."

Lesson From This Case Study:
Never ever invest in a company with very high leverage.

That's all for today. More fascinating articles and sharing will be updated from time to time in Xaivier Blog. So, you are welcome to subscribe our feed, look at our sitemap or simply visit our Homepage.

Written by: Xaivier Chia

Some Useful Links for Stock Market Investment

Investment Tools In Bursa Malaysia Free but effective tools to start your investment in Bursa Malaysia - Analysis shareinvestor Investalks Divident News Regulation of Bursa Malaysia.FTSE Bursa Malaysia Index Series.Glossary of Stock Market Terminology.Main Market Listing Requirements KLSE  Listed Company  Investopedia Economic Indicators Investing Tutorials-Advanced Fundamental Analysis Financial Ratio Tutorial Industry Handbook RHB Research  Global Financial Issues (StandardChartered) World Market Summary  World Indexes Malaysian Economy In Brief Quarterly Malaysian Economy KLSE Historical Prices Chinese News Paper Resource Nanyang.com 财经 - 理财 - 名家专栏 - 1定保险 http://www.nanyang.com/ chinapress 財經天地 - 財富經 - 財事專題 - 理財八寶袋 http://www.chinapress.com.my/ sinchew 大馬財經|國際財經|財經評論|投資致富|財經拼盤 http://www.sinchew.com.my/ Other New York Stock Exchange Nasdaq Stock Market http://ckfstock.blogspot.com/ Wiki Invest Investors' Alert From Malaysian SC  World Bank Database Malaysia Study 10 Major Economic Reports Investor Guide  Tips from InvestorWords  ShareSinv.com Fundamental Analysis Ask.com Value_Investing researching_stocks About.com Value Investing researching_stocks 4E Journal Online  SmartMoney BNM : Ringgit (Newsletter) AKPK : Money Sense ReadSen : Newletters BANKINGINFO BOOKLET Some useful video FunSuperMart 非财务人员的财务管理：报表篇-如何读懂财务报告 曾建斌 CNBC Video

Prepared by: Xaivier Chia

Important Disclosures
The views and information contained in Xaivier Blog are based on generally available data and believed to be reliable and are subject to change without notice. Xaivier Blog does not warrant the accuracy of anything stated herein in any manner and no reliance upon such statement by anyone shall give rise to any claim against Xaivier Blog.
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Stock Investment: The difference between Fundamental Analysis and Technical Analysis

Generally, investors can be classified into three category.
1. Based on fundamental analysis
2. Based on technical analysis
3. Combination of both technical analysis and fundamental analysis
(note: gambling is not included)

Firstly, we should know why undervalued company is considered "cheap". This is because its market price has not reached its intrinsic value.

So, what is a company intrinsic value?
Intrinsic value is a value which come out from a fundamental analysis. Fundamental analysis includes a combination analysis toward the prospect of company, the directors ability, net asset value, ROE, ROA, current ratio etc. With these analysis value, fundamental analysis investors will come out an idea about the intrinsic value of the company. In other words, fundamental analysis investors will never look at "cheap" stock only (low PE). It is just one of the criteria.

Technical analysis, on the other hand, are based on human behavior to predict the trend of stock price. Human behavior can be predicted based on the volume and sell or buy force of a specific stock within certain period of time. One should bear in mind that there are some assumptions for technical analysis, if the assumptions do not be fulled suddenly, investors should change another technical analysis system. In other words, there are lots of technical analysis methods in the market.

However, it is a good idea to combine both fundamental analysis and technical analysis in stock market investment. In short, this strategy is using fundamental analysis to find a good company first, and then, using technical analysis to predict the market price trend.

Again, investment is an art. Art is hardly described by words. That's all for today. More fascinating articles and sharing will be updated from time to time in Xaivier Blog. So, you are welcome to subscribe our feed, look at our sitemap or simply visit our Homepage.

Written by: Xaivier Chia

List of Links: Investment In Properties Malaysia

Here are some quick links which you can use to save your time if you are interested in finding a property for investment or living in Malaysia.

Official Newspaper

• The Edge Property
• Star Property
• 星洲日報
• 中國報分類廣場
  

Others Free Advertisements

• fullhouse
• johorproperty
• johorbahru.olx
• hahasale

Others Free Advertisements But Not userfriendly ones

• malaysiads
• realestate2u

Prepared by: Xaivier Chia

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Project - Financial Statement Analysis

This post is going to show you an article about financial statement analysis of the performance of a company from scribd.com. Personally, I believe that this article is very comprehensive and straight forward for newbie. Nevertheless, experienced investors can also use this as an revision for their financial statement analysis tools such as liquidity ratios, activity ratios, solvency ratios and market analysis.

Project - Financial Statement Analysis


That's all for today. More fascinating articles and sharing will be updated from time to time in Xaivier Blog. So, you are welcome to subscribe our feed, look at our sitemap or simply visit our Homepage.

Written by: Xaivier Chia

Getting Started in Investment in Stock Market: Fundamental Analysis: Introduction

By using fundamental analysis, one can figure out the intrinsic value of a company according to its (1) financial statement and (2) business perspective.

Fundamental Analysis in Financial statement:
There are three very important sections which investor need to look around in financial statement or financial report, that are, (1) balance sheet, (2) income statement and (3) cash flow statement.

1. Balance sheet in a financial report tells the financial portfolio of a company. Three components can be found in balance sheet, that are, total assets, total liabilities and total equity. Therefore, from the balance sheet, value investors can figure out whether this company is using lots of debt to expand their business and boost their income or has ability to improve their financial condition in such a way that reduce the risk of bankruptcy or other.

2. Next, from the income statement, the profit margin of a company can be calculated which is useful to determine whether it is a "monopoly" business, traditional business, or competitive business. Normally, a "monopoly" business will have a relatively high profit margin compare to competitive business. Besides, investors also can compare a company profit margin regarding the change, such as raw material prices, in such a way that to have a better understand about which factors will affect the profit of the company. Next, earning per share (EPS), another very important figure in income statement, shows how much is earned by this company in one share.

3. Last but not least, cash flow statement can be used to reveal how a company used their money and whether a company has ability to convert their product or investment into money. As a rule of thumb, if a cash flow statement is not comprehensive, please find another company which is more willing to reveal how the company used their money to their shareholders.

Next post I am going to introduce how a balance sheet work. Feel free to give me a comment about this topic. It will be a great support to Xaivier Blog.

Written by: Xaivier Chia

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Investment In Malaysia: Fast Links and Resources

People like to find excuses when discussing about their financial planning. "I do not have enough money", "I do not knowledge", "I do not have time", "I don't know how to getting start" etc.

Therefore, today title is about sharing some useful links and website to help you move your step in the financial planning journey.

1. Malaysian Investor This website provides a lot of articles to help familiar the financial tools in Malaysia.
2. BankingInfo  This is a one-stop platform that provides information, tools and tis to help you with your banking needs
3. bursamalaysia This is a must go website if you are interested in investment of stock market or Equities
4. Find Out More in this website
5. Market Watch
6. Investor alerts
7. Securities Commission Malaysia 
8. Research Reports (CBRS)
9. Bonus & Dividends

Please bear in mind that all the resources above are free of charge and very valuable. Therefore, you should appreciate to the people who contribute to website and use them wisely. That's all for today. More fascinating articles and sharing will be updated from time to time in Xaivier Blog. So, you are welcome to subscribe our feed, look at our sitemap or simply visit our Homepage.

Written by: Xaivier Chia

Get FREE Access to Exclusive Rich Dad Products

Robert Kiyosaki says:“My Rich Dad said, ‘All of us have the power of choice. I choose to be rich, and I make that choice every day.’”

Yes, all you have to do fill in a simple form at https://www.richdadworld.com/. Therefore, don't waste this precious opportunity to get important education in our life.

"Rich Dad’s You Can Choose to Be Rich, the 3-Step Guide to Wealth is yours free when you sign-up. Thousands of this popular course have been sold for $220, but the online version has been updated and is available at no cost."(richdadworld.com)

"Get access to powerful Rich Dad products - an $800 value - yours FREE. The PowerPack includes the Choose to Be Rich online home study course, and much more."(richdadworld.com)

That's all for today. More fascinating articles and sharing will be updated from time to time in Xaivier Blog. So, you are welcome to subscribe our feed, look at our sitemap or simply visit our Homepage.

Written by: Xaivier Chia