The Difference between Frugal by Circumstances and Frugal by Choice

2 years ago, My colleague shifted to another team, and he got to know a new colleague of his. The first thing he noticed during a few lunch sessions with this new colleague is that this colleague picks food that were well-priced. It looks like this gentlemen is quite the value eater. He eats simply and the more my colleague got to know him, the more he realize what a frugal lifestyle this … [Read more...]

Prospect Business the Proper Way with Investment Quadrant 2.0

My choice of wealth machine is mainly through individual stock prospecting. I don’t call it value investing, growth investing. I am a pugilist learning the art of what generates sustainable positive expected return. What I learn that works is proper portfolio management, risk assessment, business prospecting, valuation, momentum investing. My style is somewhat like this, and it is hard … [Read more...]

If you have too much Insecurities and Personal Problems, Money is Often used to Fill these Holes

Eating has always been something that is less of a concern for me. There the the people that live to eat. And then there are the people that eat to live. I belong to the latter group. This means that I do not have an acquired taste or that I am picky with food. As long as there are adequate quantity and the food is not prepared in a very poor manner (I have high tolerance for poorly cooked … [Read more...]

Would QAF Rise Again?

Kyith: I was contacted by the folks at Investing Note whether I let my readers know about this splendid analysis on QAF.  I obliged since my blog promotes investors who takes things into their own hands and equip themselves with business prospecting skills. This is good for you guys. You may observe that this  analysis is better than what I can put out. QAF just released a somewhat lukewarm set … [Read more...]

The Complete Personal Budgeting Guide

There are 2 ways to look at budgeting. The first way is that you should focus on earning more. The more money you earn, the less you have to worry about the nitty gritty aspect of money. Earn so much more, such that you do not have to worry if you spend $500 on food or $1000 on food. The second way is that building wealth starts from being aware of the small things. If you cannot manage a small … [Read more...]

How you can try to get your Disputed Insurance Policy Contract Untangled – Financial Dispute Resolution

Kyith: Hey, today, I will be bringing to you guys and gals something that is not often discussed on Investment Moats. We talked a lot about insurance but there are some aspects of insurance that I am not in a good position to look into. One area is, what happens when you get tangled in some form of mis-selling by an insurance adviser and you would like to seek recourse? The folks at Clearly Surely … [Read more...]

#4 Key Ingredient to Wealth: Curating your Environment and Influences

The people that you stick with, or are stuck with, have a massive influence over whether your build wealth extraordinary well, or cause great wealth destruction. In my opinion, there are 4 key ingredients to building wealth. These has less to do with money itself. They are: Your motivation, determination and the amount of grit you have Your ability to acquire knowledge and wisdom in … [Read more...]

Singapore Savings Bonds SSB June 2017 Issue gives you 2.16% 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 Apr 2017’s SSB bonds yield an interest rate of 2.16%/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 $12,373 in 10 years. This bond is backed by the Singapore Government and its … [Read more...]

How to Investing with Less Stress – BIGS Live


I believe that building wealth is a worthwhile goal to pursue. Your wealth built up, at various stages augments a purposeful life that you live. Many millennials want a wealth machine to augment their existing working income. They save money for the financial security. They do not have a clear direction where they are headed in their lives, but in the mean time, having money built is more prudent … [Read more...]

Is Adulting a New Concept? No it is Not… But it is Absolutely Bloody Necessary

Millennials draw a lot of flak for the idiotic things that they come up with. And for some these are grossly misunderstood. They create a lot of trends that the Gen X will face palm and wonder why things are so different for how they used to do things. Well things are different but it is not because the millennials are very special. We just grow up in a period where social marketing happens to be … [Read more...]

Your Personal Net Worth Statement – The Complete Guide

There are 2 documents that, in my opinion, tells me whether a person or family is operating in a sound manner. One document is the personal cash flow statement. The other document is their personal net worth statement. In this comprehensive guide, I have explain why the cash flow statement is important, and how you could go about creating your personal cash flow statement. Your personal net worth … [Read more...]

How Volatility relates to the Financial Markets and Life


One discovery recently is this podcast that spun out of Real Vision, a paid online TV program that brings across some of the brightest minds in finance. Titled Adventures in Finance, they tried to explain and deconstruct one popular or less discussed phenomenon, financial concepts to listener. This week’s episode is titled Volatility in a Peaceful World and you can listen to it here. There … [Read more...]

How much can A Young Singaporean Adult Earned in the Next 10 Years?

One of the biggest uncertainty for a young adult is that you are unsure where your career will take you. Or whether you will stay in that career at all. Many people took a particular route and realize that they hate their job. This is why sometimes I feel doing 2 years of work in your industry before taking a degree might calibrate your university decision better. As we start working, … [Read more...]

Rickmers Maritime Winds Down. My thoughts on Position Sizing, the True Value of Ships and Prospect Theory

As human beings we tend to be risk seeking(gungho in taking on risks) when we should be risk adverse (afraid of taking risk) and vice versa, often at the wrong time. In the case of Rickmers Maritime, I am not sure which is the case. Rickmers Maritime is a business trust that I wrote about in the past that operates a collection of container ships. They were charter out during the good times … [Read more...]

HDB Lease does Expire – How you can Win with your HDB Flats

A portion of Singaporeans got a jolt these few weeks when National Development Minister Lawrence Wong said that not all the old HDB flats are eligible for Selective En bloc Redevelopment Scheme (Sers). Under SERS, the HDB acquires ageing blocks for redevelopment, compensates residents at market rates for their old flats and lets them buy new units nearby at subsidized rates. What shocked … [Read more...]

How Much should You Save Each Month in Your 20s?

This is one question that I get a lot from people I interact with for the first time. This is especially good if it comes from a person just about to start work, or have started work for one or two years. However, when they ask this question, sometimes that is not the question that they are trying to find out. The question they want to find out: I want to spend but I want to do the … [Read more...]

Singapore Savings Bonds SSB May 2017 Issue gives you 2.32% 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 Apr 2017’s SSB bonds yield an interest rate of 2.32%/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 $12,373 in 10 years. This bond is backed by the Singapore Government and … [Read more...]

You don’t need an Innovative Term Insurance on your Credit Card Debt. You need to clear your Credit Card Debt


We should be wary about some of the products sold by banks. This week, I got a call from UOB Customer Service. Being a customer of their bank, this was not surprising. I was expecting them to extend some personal loan or investment plan. This time it is a bit different. The lady explain this new feature for my UOB One credit card. How it works is that if I did not pay off my credit card bill on … [Read more...]

How Interest Rate Changes Affect REITs


Real estate investment trusts (REIT) is a class of stock investment that many believe are very much affected by global interest rate changes. For the past 35 years, the world have been in an environment where interest rate is getting lower and lower. There are periods where interest rate do rose, however the trend is down. For the past 5 years, there have been on and off voices that warns us … [Read more...]

The Expected Return Model – How You can Refine Investment Decisions, Prospect Stocks Clearly, and Sleep Better at Night

Back when I was still figuring out all these investment stuff, I always have some questions that I couldn’t find in books or the people I listened to. Some of the questions that often bugs me was: Should I buy and hold investments for a long time? When some event happen, that affects my investments, how should my plan deviate? Should I still hold on? Should I sell or buy more? How … [Read more...]