Dear readers, while investing is a way to grow one’s monies, I would always like to encourage fellow investors not to invest a large portion of your total cash into equities as equities are not always the safest. There are some value investors who do not mind parking lots of their monies in value stocks for years, aiming to achieve a compounded rate of interest like Warren Buffet. But again this is not always for everyone like myself who think that one should build up a war chest to start investing in when the stocks markets are at a discount. I believe there are pockets of such investing opportunities in year 2018.

To build one’s war chest for investing, one would have to save more. One must be motivated to save and what better way to try to grow your savings is to measure it. If one cannot measure something, …