Author: Investment Moats

One Unique Test that Easily Lets You know how Good You are at Building Wealth

How do you know if someone is a good wealth builder? My peers are typically from the middle income to lower middle income group. So on and off, I will hear about relatives and friends talking about this friend working in property line, or insurance line that have accumulate a high amount of wealth. In my good friend’s case, where they work in the financial sector, they have more of these case studies thrown at them. Some of these conversations left them inspired, but most of the time these case study make you shrink into your shell that you...

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Frasers Logistics and Industrial Trust (FLT) – Long & Youthful Portfolio Acquisition

Not too long ago, Frasers Logistics and Industrial Trust announced that they will be acquiring a portfolio of logistics properties in Australia. I am gonna make this a quick one since I have shared enough of FLT in the past you can read them if you have not gone through them: My FLT IPO Write up Comparing FLT’s portfolio Cap Rate versus the Competition Proactive Forward Renewal and Exercising an option for a 20 year Tenant Lease This acquisition will not affect your returns a lot, and you do not have to cough out any new capital, but will...

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Should you Surrender Your PRUflexicash?

It is a slow Saturday and I ran out of topics that are short enough to write about. So I thought I will help you guys answer some questions. A reader sent in one question in response to my article on the range of returns you may be able to get for your insurance endowment plans. He was asking me whether should he continue the policy till maturity or surrender the policy. The PRUFlexiCash Endowment Plan In 2010, he bought the plan PRUFlexiCash and paid a premium of $73/mth ($876/yr). The tenure of this plan is 25 years. On...

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Singapore Savings Bonds SSB August 2017 Issue gives you 2.06% interest per year over 10 years

Here is a higher yielding, safe way to save your money that you have no idea when you will need to use it, or your emergency fund. The Jul 2017’s SSB bonds yield an interest rate of 2.06%/yr for the next 10 years. You can apply through ATM or Internet Banking via the three banks (UOB,OCBC, DBS) $10,000 will grow to $12,098 in 10 years. This bond is backed by the Singapore Government and its available to Singaporeans. You can find out more information about the SSB here. Note that every month, there will be a new issue you...

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Investors Exchange 2017: 7 Wealth Building Competencies In One Afternoon

We will be having an Upcoming Gig this End July. Being in this finance space for some time, we want to bring everyone where, in one session, you can gain insight in various areas of wealth building. Thus for Investors Exchange 2017, we will be bring 7 speakers from various competencies to share their take on the competency they are most comfortable with. The speakers will cover the areas of: Real Estate Investment Trusts (REITs) Global Macro Dividend Investing Quantitative Value Systematic Trading and Investing Business Scuttlebutt Singapore Property Investing We have only 250 seats and this event will...

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How do you persuade someone to improve their financial situation?

Not all your close friends are in the best of financial health. That you can agree with me. If you know that your friends need to cultivate better personal finance practice, how would you go about persuading them? I see this question being put out a lot and honestly I have brought zero person in real life to see the light financially. So I am honestly quite a failure in this but as a financial blogger, I would like to provide some helpful advice if you are in the same position as I was some years ago. People have...

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The NetLink Trust IPO – A Good 5% Dividend Yield Stock to Hold?

Our biggest telecom operator Singtel decides to spin off their infrastructure subsidiary NetLink in probably one of the biggest IPO this year. Singtel’s parent Temasek Holdings, was given a deadline of April 2018 to reduce its interest in NetLink by the Infocomm Develeopment Authority. IPO is an opportunity for you to play a pseudo lottery when you have a better odds than TOTO and 4D (well sometimes). However, there may be some gems that you could buy and hold on to for some time. We can recall stocks like Sarine, Suntec, Jumbo for example, that falls into this group....

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Optimizing Money on Food, Killing the Hunger Monster, Feeling Full and Insulin Resistance

We all have our “money awakening” at different points in our lives. And we can be awaken for different reasons. When we are awaken, we want to see how best we can optimize our current situation. And one of the questions asked is “what can we cut?” And it often leads to “we spend a lot on food” The following is a trigger list of spending that goes into forming your Personal Cash Flow Statement for a family of 2: personal cash flow statement There are daily meals, and entertainment meals and groceries. It could make up $1020/mth or 36%...

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Solution to Yahoo Finance Data Not Refreshing in Google Spreadsheet

There have been a lot of people emailing me, messaging me, finding ways to get hold of me, to tell me that my FREE Stock Portfolio Tracker is not working. I thought if I don’t try to solve this, there will be no good sleep for me. So here are some explanations and how to get around this problem. Yahoo Finance Data is still Working Verizon’s purchase of Yahoo is going through, and we do not know how it will affect Yahoo Finance. However, Yahoo is still able to let us access to the data. The Yahoo Price in...

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Stock Portfolio Tracker – The Portfolio History Feature

For newer readers, you might not be aware that I do share my current portfolio on my blog. You can take a look at My Current Portfolio. The tables are published from a Stock Portfolio Tracker, which is based off Google Spreadsheet. It is FREE and to use it, you can read the instructions here. This stock portfolio tracker is suitable for you if: You are more of a buy and hold investor Wants to track your portfolio based on transactions (buy, sell, dividend, bonus shares, rights issues, capital reductions) Auto-updates prices for stock exchanges supported by Google and...

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REITs: How can Cash Flow be Artificially Boosted to Give Higher Dividends

This article today is to enable you to build your competency in a niche investing segment called REITs. I have written a few articles in the past diving into REITs as an investment. If you are lost in this article, you might want to check out my REITs Training Center which organize the content in a sequential manner. When we invest in a portfolio of real estate investment trusts (REIT), we are looking for a total return made up of capital gains and dividends (which is no different from many other investments). Therefore many investors are attracted to the REITs...

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Why it is So Easy to Lose your Reputation, your Job in an Instant (Despite your best laid plans)

There is this story that caught my attention not too long ago. A lady that work in corporate communications was suppose to travel to South Africa to visit family members. While she is at the airport, she decided to take to Twitter to twit some acerbic jokes. The first one was: “‘Weird German Dude: You’re in First Class. It’s 2014. Get some deodorant.’ — Inner monologue as I inhale BO. Thank God for pharmaceuticals.” That sounds OK. The people that would see her tweet numbered 170. Somewhere before her flight took off she twitted:“Going to Africa. Hope I don’t get...

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Singapore Savings Bonds SSB July 2017 Issue gives you 2.12% interest per year over 10 years

Here is a higher yielding, safe way to save your money that you have no idea when you will need to use it, or your emergency fund. The Jul 2017’s SSB bonds yield an interest rate of 2.12%/yr for the next 10 years. You can apply through ATM or Internet Banking via the three banks (UOB,OCBC, DBS) $10,000 will grow to $12,163 in 10 years. This bond is backed by the Singapore Government and its available to Singaporeans. You can find out more information about the SSB here. Note that every month, there will be a new issue you...

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The Hypocrisy of Favoring Financial Freedom

I had a conversation with a friend over my favorite chat application Telegram 2 days ago. (in case you are still stuck at Whatsapp you should check it out, search for @kyith and drop me a message) He was sharing with me that his recent Facebook post is likely to get slammed by many in the financial education industry because it debunks a particular kind of overselling. The overselling that he refers to is to increase the gap from where a person is to where they are now to increase the oomph factor. One example is to say that...

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11 Great Reasons Why You Should Invest in REITs

This article today is to enable you to build your competency in a niche investing segment called REITs. I have written a few articles in the past diving into REITs as an investment. If you are lost in this article, you might want to check out my REITs Training Center which organize the content in a sequential manner. In my opinion, there are a few advantages of using REITs as a financial instrument to build wealth. The advantages can vary. You have to establish if it’s a fad. Then, you have to see how it could fit into your overall...

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