This article contains information from the 3rd Scorecard Newsletter written on 30 Oct 2018 for my Moat Scorecard subscribers. However, do note that the future Scorecard Newsletter will be only created for the Moat Scorecard Subscribers. This 3rd issue was released earlier than usual because I want to release this information earlier to the public because I felt they are important and I had to inform the readers.  As of today, Straits Times Index is at 2966.45. The market had dropped 14.9% since the start of 2018. It has not only happening to Singapore Market, but also in Hong Kong, China and Japan Market. Hang Seng Index has fallen 19.4%, SSE Composite Index has fallen 23.3% and Nikkei Index has fallen 9.5% since the start of 2018. On the other hand, USA Market seems like nothing has happened. Dow Jones Index has only fallen ...