Author: Investment Moats

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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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 gentleman have. After a few months, they got to know each other better. Then more was revealed. Turns out, this gentleman wasn’t feeling all so satisfied...

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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 for me to impart to others. I am also one person, so I have limited bandwidth to come up with materials to teach. I am also shy and don’t think I am very adequate to be considered a teacher. For...

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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 stuff trust me) If you have auto-immune problems like myself, it helps to take on your problem as a project,...

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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 of results and is undergoing strategic review.  As far as I understand there might be some divestment on the cards for the Australian food manufacturing business. Price earnings wise...

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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 sum of money, how can you cope when you have more money? Both are not wrong. However, both ways...

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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 approached me for a guest post and I thought of using this opportunity to get some value for you guys in something that may be...

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#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 your pursuit of the goal Creating effective Systems, Processes and Habits that lets you execute the actions that builds wealth Curating your Environment and Influences Today, we are going to talk to the #4...

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