Wednesday 31 August 2022

[Post 162] Selling Coffee from a HDB flat at ground floor ?!


Ground Floor Coffee serves drinks typically found in a coffee house but in a whole different setting. Grab your espresso-based drinks and non-coffee beverages right out the window of this ground floor HDB apartment in Pasir Ris.

Monday 29 August 2022

[Post 161] China’s Slacker Youths: Why They Went From 'Lying Flat' To 'Let It Rot' | Insight


“Tang Ping” or Lying Flat, was a 2021 movement that rejected the work culture in China. Now, it has morphed into the more extreme “Bai Lan” or Let It Rot. What behind this new phenomenon?

Insight speaks to some Chinese youths who identify themselves as “Bai Lan”. They are opting out of climbing the economic ladder, choosing to put in the bare minimum at work and coasting along. What are the reasons for their despondency?

And will this youth movement affect China’s economic recovery, even as it faces headwinds from COVID lockdowns and a property debt crisis?

Sunday 21 August 2022

[Post 319] How To Calculate The Intrinsic Value Of An Stock In 6 Simple Steps

Please use this guide along with the Intrinsic Value Calculator I have created

This is based on the valuation method "margin of safety" created by Phil Town depicted in his book "Rule One"

1.Find the Earnings Per Share(TTM)

Basically ,Earning Per Share is refer to the net profit of the company divided by the number of outstanding shares.TTM refer to trailing 12 months .

So put together,EPS(TTM) refer to earning per share for the company's last 12 month.This figure can be derived from any stock search in Yahoo Finance under the summary tab(red circle).

Source:Yahoo Finance

*Do note that if the company has negative earnings per share ,it means it's spending is more than it's earning or that the particular company is losing money.In short,if the EPS TTM is negative,we cannot proceed with the calculation of the intrinsic value of the stock.

2.Find the Growth Rate

Basically ,growth rate refer to the change of percentage of the company’s performance.

We will be using the next 5 year (per annum annum) under the growth estimates.This figure can be derived from any stock search in Yahoo Finance under the analysis tab(red circle) and scoll down till the growth estimates table(black circle).

Source:Yahoo Finance

Source:Yahoo Finance

3.Enter The Minimum Rate Of Return

A minimum acceptable rate of return (MARR) is the profit an investor expects to earn as a minimum from a particular investment after taking into account all associated risks and the opportunity cost of making that investment as opposed to other possible ones.

Recommended mimimum rate of return is 15%.

4.Enter Margin Of Safety

According to the investment idea known as the "margin of safety," a stock should only be bought when its market price is much lower than its underlying worth. 

In other terms, the margin of safety is the gap between the market price and your estimate of a stock's fair price/value. 

Buying assets while this disparity is present enables an investment to be made with little downside risk since investors may set a margin of safety in accordance with their own risk preferences.

Recommended Margin Of Safety is 20%-50%

5.Enter P/E ratio

The P/E ratio aids investors in estimating a stock's market value in relation to its earnings. 

The P/E ratio, or price to earnings ratio, demonstrates what the market is ready to pay now for a stock based on its current or projected earnings. 

A high P/E may indicate that a stock's price is excessively high in relation to its earnings. 

On the other hand, a low P/E can suggest that the present stock price is undervalued in comparison to earnings.

This P/E ratio can be derived from any stock search in Yahoo Finance under the summary tab(red circle) for simplicity sake.

6.Enter the Values gathered above In the Intrinsic Value Calculator, then click Calculate

Example as below using figures from Step 1-5(AAPL)

7.Buy when stock price is less than Intrinsic Value Of Stock and sell when Stock price is more than Intrinsic Value Of Stock.

*Do not sell if you do not own any stock(aka shorting!)

Saturday 20 August 2022

[Post 159] Diagnosed with cancer, this canteen stallholder fights on to tackle inflation and her illness


In Singapore, income growth has not kept pace with inflation for four in 10 people. Low-income households and baby boomers aged 58 to 76 are the hardest hit. Canteen stallholder Anna Ng who was diagnosed with cancer recently shares her challenges.

Thursday 18 August 2022

[Post 158] Living By The Beach For $420/Month In Mexico | Unlocked


Janet Blaser, 65, lives in a 2-bedroom apartment in Mazatlán, Mexico that's walking distance to the beach. She is a retired journalist and CNBC contributor. Unlocked is a new home tour series focused on how much people across the globe spend on their housing, what they get for the money and what they had to sacrifice to make it happen.

Wednesday 17 August 2022

[Post 157] We Left The US For A Cheaper Life | CNBC Make It


Travis Grossi, a YouTube content creator who runs the Café con Leche Travels channel, and David Simmons, Jr., who is a singer/songwriter, moved from California to Mexico and now save $1,500 per month. Watch this video to learn how.

More than 360,000 residents left California in 2021, in what some are calling “The California Exodus.” Many moved to states such as Texas, Arizona and Washington.

Some Californians are even migrating out of the country and heading to Mexico for a more affordable lifestyle.

Tuesday 16 August 2022

[Post 156] 5 Youtube Channel To Watch Anime and Tokusatsu Legally For Free

Simply put subscribe to the following YouTube Channel As below 

1.Muse Asia

MUSE Communication Singapore was established in March 2019, and is a sister company to MUSE Communications (Taiwan).They own a variety of IP (Intellectual Property) for movies, anime, merchandising, production and distribution.We value our community and aim to deliver readily accessible entertainment to consumers across Asia & the rest of the world!

Here are some popular anime to get you started 

Spy x Family

One Punch Man 

2. Ani-One Asia

Ani-One, Anime for Everyone.Ani-One is a diversified Japanese animation content platform wholly-owned by Medialink Group.They have launched their YouTube Channel in October 2019 with daily upload of new episode,more content, more views and more subscribers will be lining up with Ani-One.

Here are some new/popular anime to get you started 

Black Summoner

The Yakuza Guide To Babysitting

3.Gundam Info

Welcome to the official GUNDAM.INFO YouTube channel.
Enjoy the world of Japan’s  famous and popular anime, “GUNDAM” through series titles, trailers, special contents and more!

For more information such as products, events, games and latest news, head to the official website!

Mobile Suit Gundam Seed

Mobile Suit Gundam Iron Blood Orphans

4.Ultraman Official By Tsuburaya

Here are some popular Ultraman Series

Ultraman Mebius

The latest series ,Ultraman Decker

5.Toei Tokusatsu World Official

This official Toei YouTube channel has a lineup of various shows, including “NATIONAL KID” (1960), Super Sentai Series such as “GORENGER”(1975), Metal Hero Series including “SPACE COP GAVAN”(1982), and robot anime such as “VOLTES V”(1977). (Please note that depending on the show, there may be viewing limitations in certain areas and countries.)

We will update daily to share TOEI’s TOKUSATSU with the world. At launch, we will have the first two episodes of all 70 shows available with English subtitles! Further episodes will be available in Japanese for now, but there could be frequent updates. We plan on making a public call for subtitles in any language.

Heisei Kamen Rider

Sunday 14 August 2022

[Post 155] Planning Right For Retirement, When You're In Your 50s (And In A Recession)


You’re about to retire in the next few years - but wondering if you have enough funds to last you. Has the COVID-19 economic recession affected your retirement goals? Should you try to ride the recent stock market rally to grow your nest egg quickly?

Muthu Kumar, 55, is worried about not being able to get medical insurance coverage at his age with a medical condition. Private hire driver Terry Tan, 56, talks about making a property investment mistake, and the challenges of saving as a self-employed person. 

Financial experts Kenneth Lou, CEO of Seedly (a personal finance platform), and Chuin Ting Weber, CEO of MoneyOwl (a financial advisory and fund management firm), advise how Terry, Kumar, and others in the same situations can work towards their ideal retirement lifestyle. 

Thursday 11 August 2022

[Post 154] How Starbucks Operates Like a Bank While Serving Coffee | WSJ


Starbucks, a $124.4 billion company, trails only McDonald’s as the largest restaurant chain by market capitalization. In this video, WSJ’s Heather Haddon explains how Starbucks used technology to garner its loyal customer base and why mobile orders are shifting the chain’s business priorities.

Wednesday 10 August 2022

[Post 153] What Retirement On $1,000-$2,000 A Month In Singapore Looks Like | CNA insider


Can you enjoy retirement on S$1,000 to S$2,000 a month in Singapore? Three retired 60-somethings - a former IT professional, firefighter and salesman - share what life after retiring is like, and how they built their nest eggs.

Tuesday 9 August 2022

[Post 152] Relocated From US to Bail - Here’s How Much It Costs | Relocated


Olumide Gbenro, 33, relocated to Bali from San Diego in 2019. He currently makes $140,000 a year running a social media marketing agency and hosting virtual and in-person conferences for digital nomads.

Monday 8 August 2022

[Post 151] Tamagotchi Collector | Niche Hobbies

Rachel was first introduced to Tamagotchis back in primary school by her peers. 

After owning her first unit, she developed a strong interest for the toys. Today, she has collected over a hundred Tamagotchis and also sells customised knitted cases for them.

Saturday 6 August 2022

[Post 149] How I Live, Travel, & Game Out Of My Van For $700 A Month | Unlocked


Trent Arant, 28, lives, works, and travels in a gut-renovated van. He pays about $700/month in loans for the van. In total, he spent around  $10,000 towards renovating his van and turning it into a livable space. Trent is a digital nomad working as a visual effects artist and content creator.

Unlocked is a home tour series focused on how much people across the globe spend on their housing, what they get for the money and what they had to sacrifice to make it happen.

[Post 148] How I Turned Vending Machines Into A $300K Business | On The Job


Marcus Gram, 31, saved up $10,000 to start his vending machine business in 2018. His company, Joyner Vending, now has 21 vending machines spread across Philadelphia, Baltimore, Washington DC and Detroit - and it brought in over $300K in revenue in 2021.

Wednesday 3 August 2022

[Post 146] How a 16-year-old is making a fortune by purchasing from Walmart and reselling on Amazon | CNBC make it


Max Hayden started selling candy and fidget spinners to his friends during middle school. He has always been passionate about business and started seeing some success selling high-end sneakers. During the pandemic, he focused on his e-commerce business by becoming an Amazon reseller and made $110,000 by reselling items like gaming consoles and above-ground swimming pools. Now, he is looking for a new warehouse to expand the business.

Monday 1 August 2022

[Post 145] Making $44K A Year As A Sanitation Worker In NYC | On The Job


Anthony Igneri, 35, works as a sanitation worker in New York City and earns $44,000 per year plus overtime. Raised in Staten Island, Anthony was inspired by his grandfather, who was a World War II veteran and a sanitation worker for 20 years.