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Caledor
402

Hi,
Here is an interesting fact about me, I'm actually more than 3/4 Chinese and a little bit Indian.
My passion is in Real Estate and in Investing.  I also like reading books on self improvement and so the articles I write about would reflect this.  People only grow through self reflection and from making mistakes.  I have done plenty of both.  I am excited to share what I know with the online world.  
I have a personal investment blog, come check it out and another blog about motivation and life
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Recent Posts

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History
by Caledor
12 months ago
3 Reasons Why the Byzantine Empire Fell

The Byzantine Empire essentially was a continuation of the eastern portion of the Roman Empire. Its capital Constantiple was founded by the Roman emperor Constantine the Great in 324 AD. Throughout its existence after the Western Roman Empire fell, the borders of Byzantine grew and shrunk until 1453 when the Ottoman Turks struck its final blow by defeating the Byzantine forces and conquering its city. To more than millennia is no small feat for any empire in history. In its history, it had to face off against the Goths, Persians, Arabs, Turks, Slaves, Bulgars, Vikings, and at one point from the Crusaders. But the Byzantine Empire did eventually fall.

Business & Money
by Caledor
1 year ago
Quick Guide to Understanding Stocks, Bonds, Mutual Funds, and Everything in Between

  A lot of people seems to have an opinion about how to make money from investing, or what is the next hottest stock to buy into. Some people would tell you to buy mutual funds for retirement, or buy this and that stock.  For the individual who...

Lifestyle
by Caledor
2 years ago
3 Podcasts That Will Level Up Your Life

There is a quote that "You are the average of the five people you spend the most time with", and I believe this is true. As human beings, it is natural that we mimic our behaviours or thoughts around the people we see the most.. This can be a bad thing if you think about it. If you consider that there are more than 7 billion people in this world, and our views and perspectives are only reflective of just 5 people, this really makes a lot of us "narrow minded". To expand our view of the world I recommend listening to productivity and self help podcasts. These podcasts gives me a perspective that I haven't considered before and on top of that, it also gives me strategies on how to be more productive in life.

Lifestyle
by Caledor
2 years ago
The Art of Saying No

I remember back in my early teens I would get nervous going to the clothing stores with my friends. I think I was just afraid of the sales people and scared that they would force me to buy something. My back would sweat too - or it could be from the walking, I can't recall for sure. Looking back now, it was such an irrational fear, and this fear I believe was based on shyness and my avoidance of conflict. I took a class early this year on negotiations and I remember the instructor had told us that 10% of the population hates conflict. People who hate conflict would do anything to avoid conflict and negotiations. That is why sales people love these individuals who avoids conflict; they will accept any terms the sales people have to offer.

Business & Money
by Caledor
2 years ago
4 Ways to Save Money That You Didn't Know Before

Let's face it. Money makes the world go round. Even if we don't spend it on luxury items, we still need money to spend on life's essentials (like food, shelter, and clothes). It also doesn't help that the cost of goods seems to always be going up every year. If you want to be a savvy consumer and save on a few bucks here and there, then it pays to shop smart. Learning to take advantage of the latest sales and knowing when there are deals is very important. With the internet where almost everything is just a click or a swipe away, all the information is at our finger tips. So it is important that we take advantage of what the internet has to offer. Here are 4 ways using the internet can help you save some money:

Business & Money
by Caledor
2 years ago
Guide to Frugal vs Cheap

When someone calls an individual as being cheap, it often brings with it some negative connotations, because who wants to be called cheap? You may be embarrassed when you go to a restaurants with your friendor significant other, and the other person cheaps out on you. But when someone calls the person as being frugal, a different opinionforms. People may associate frugal as being smart in managing their money. There are a lot of times thougth where the definitions between thesetwo words are blurred. One person's cheapness can be considered asanother person's frugality. To help guide you through the decision of what is considered cheap and frugal below are three themes that should help you make a decision yourself.

Health
by Caledor
2 years ago
3 Reasons To Start Running Now

Running is probably one of the oldest type of exercises of all. During the caveman period, people ran to hunt and to survive. Ancient Greece and its Battle of Marathon had a soldier by the name of Pheidippides, he was instructed to run to Sparta to inform the Greeks of the Persians. This fabled story of a runner gave rise to the modern Olympics. In modern times, we often rely on running more for exercising and keeping fit than for escaping danger. Running has also been used as a fundraising tool for diseases or other health problems. In most cases this makes sense. Individuals can run and stay healthy, while also running for a good cause. With the obvious health benefits for running, I think there are more reasons why people should run. Below are three reasons:

Business & Money
by Caledor
2 years ago
Ford Motors The Turnaround Success Story

Ford in its most recent quarter had much to celebrate about. It was its 22nd consecutive pre-tax profit, it reached a record market share in Asia, and the operating results in most global operations have been positive. Spurred by this financial success, Ford had increased its dividends to $0.15 a quarter from $0.13, at a stock price of about $16.17, this was a 3.71% dividend yield. Ford had much to be proud about Going back a little less than a decade ago, Ford Motors was a contrast to what it is today. In 2006, Ford was bleeding cash and its operating loss was a staggering $12.6 billion. This road to a slow financial ruin was a result of poor management, a lack of cohesive product development, and lax cost controls.

Home & Garden
by Caledor
2 years ago
The Micro Condo Revolution

If you ever in the market to buy a brand new condo, you will perhaps notice that the condo sizes are becoming increasingly smaller. If you live in Hong Kong or Tokyo, the small apartment sizes are really the norm, but if you live in North America or even Europe, the small spaces are just beginning to catch on Welcome to the micro condo revolution. Perhaps it is not a revolution yet but trends do point to ever decreasing condo spaces in newer condo or apartment builds. A micro condo is a unit that is about 200 - 300 square feet in size. The micro condo certainly has its appeal. For the single professional who does not have a family and wants to live near the urban centre, a micro condo has a lot of advantages. It is definitely cheaper to upkeep and it maximizes smaller spaces. For example, murphy beds can be folded to create room for desk space: This is the result of a crazy condo boom where developers are trying to fit more and more units into one condo development. A broker friend had sent me floor plans of a recent development (occupancy in 2018) and none of the suites had square footage above 1000. Like it or not, this is the new norm for condos in downtown Toronto.

Business & Money
by Caledor
2 years ago
3 Interview Questions Job Applicants Must Always Answer

I attended a speed mentoring event the other night where I was the mentor. Similar to a speed dating format, people ask as many questions as possible within a set time limit. This event was hosted by an employment agency where they help immigrants and the unemployed find a job. When I sat down to listen to the questions they have, a lot of them already have a resume to show me. I was blown away by their work experience and years of industry knowledge. In comparing job experiences, 75% of the people there could have been my boss. Some of the common issues raised were they have the experience but they still struggled in securing a job. Most of them are able to secure the face to face interview, but after that, they do not hear back for a follow up interview.

Lifestyle
by Caledor
2 years ago
6 Ways To Be Smart And Efficient

Since it is impossible to increase the hours in a day and it is unhealthy to cut back on the hours of sleep, I found a simpler way to manage time. Most of us have to do lists, and by the way, my own list is growing faster than I can check items off. So, in order to make the most of our days, here are six ways to be smart and super efficient.

Lifestyle
by Caledor
2 years ago
Tim Hortons Roll Up The Rim to Win: Odds, Prizes, and Gimmicks

The 2015 Roll Up The Rim To Win is back at Tim Horton's. If you are a coffee drinker living in Canada it is hard not to notice, there is at least one restaurant in every small town. This year, the contest has made a number of small tweaks to the game, but the odds of winning something is still one in six. The Roll Up the Rim contest is a marketing campaign created by the Canadian fast food chain: Tim Hortons. People who purchase a hot beverage has a chance to win a prize by rolling the rims of the cup. Underneath the rim, it either reveals the prize that you win or a "please try again".

History
by Caledor
2 years ago
4 Reasons Why The Roman Empire Fell

The Roman Empire at its greatest extent, engulfed the entire Midterrian Sea. It was one of the most powerful economic, cultural, military forces in the world. At its height it covered over five million square feet in kilometers and over a population of about 70 million. They were the founders of many modern cities and built long roads to connect them across the empire. But every empire that has its time in the sun also has to see the sun set. Some argue the Roman Empire fell in 476 AD when the last emperor was removed from power, but almost everyone agrees the final decline happened around the late 5th century. The gradual decline began over a course of a few centuries. Here are 4 main reasons why the Empire faded into the history books

Health
by Caledor
2 years ago
3 Ways to Find Your Life's Purpose

The average lifespan of someone living in Canada is 81.24 years, this translates to 29,652.6 days. If you are 25 you have already lived through 9,125 of those days meaning more than a quarter of your life has passed. By age 50, about 18,250 days would have passed. After realizing there are this many days gone in which we can never get back, ask yourself if you have any regrets, are you happy where you are? Time is one thing we will never get back and life is short. Given the short time we are here, we should enjoy every second of it and try to live our life's purpose. So what does living your purpose mean?

Business & Money
by Caledor
2 years ago
Book Review: Moneysense Guide to the Perfect Portfolio

A lot of people looking to invest on their own are often scared off by all the financial jargons and the wild market swings. They believe that they are not cut out to invest on their own or investing is so complicated that it is better off left for the experts. Well, Investing is actually not rocket science and this book shows you how to do it painlessly. I, myself, have read the book and applied it for my own investments, and so far, I have been making a decent returns (been using it for three years now). This article is my review of the Moneysense: Guide to The Perfect Portfolio

Health
by Caledor
3 years ago
5 Ways to Overcome Failure

Reflecting back on my life I have had my share of successes and failures. The only reason why I had succeeded is because I had to fail the first couple or several times. People sometimes take failure the hard way and I think if we all change how we view and feel about failure, then becoming successful won't be so hard. So to become successful you have to face failure head on and appreciate it as part of life and learning. Here are 5 ways to overcome failure.

Home & Garden
by Caledor
3 years ago
The Pros and Cons of The Micro Condo Lifestyle

My relative lives in a 1500 square feet condo.  Nowadays, people do not build condos this big anymore.  Her condo was built more than thirty years ago and that was a time when land was still relatively cheap.  Her condo is a two bedroom corner unit overlooking a nice...

Lifestyle
by Caledor
3 years ago
4 Reasons to Never Stop Learning

For the past year I have been working towards a leadership certificate. I took it to expand my skills and keep my resume attractive. After taking some of these courses I realized that these courses were not like the academic courses I took in university. It was not dry material where we had to memorize theories. This class taught more about life lessons and how to respond to challenges in life. I actually enjoyed these classes. It was boring at times but there is something to be learned. So, here are four benefits to continuing education even after those school days are long gone.

Business & Money
by Caledor
3 years ago
5 Reasons Why It Is Time To Leave Your Job

Starting a new job is an exciting time. It is a new beginning, a fresh start, and the skies are the limit. On your first day, you just want to make a great impression to your boss. But as time goes on, the freshness of the role may wear off, or for some of us, the freshness had gone out the door in the first day of work. You try to make the job work but no matter how hard you try, the job is just not a fit for you. To find out whether it is time for you to leave, here are 5 reasons that it may be time to quit your job and look for greener pastures.

Home & Garden
by Caledor
3 years ago
Condo vs House Challenge: Maintenance Fees

Home ownership is one of the biggest milestones in life. It is a sanctuary and a place to call to your own. Home ownership isn't cheap however, there are maintenance and random fixes to be mindful of. If you live in a condo, everything is very straight forward. A monthly maintenance cost is paid which includes the day to day costs to run the building, insurance, and even factors in future costs to replace the boiler/ elevator/ HVAC etc. As for the house on the other hand, it is up to the homeowner to create a maintenance schedule. The roofs have a lifespan of about 20 years and putting up new ones are in the thousands. If you have a basement, be mindful of the foundation because during the rainy and snowy seasons, the basement could flood. A lot of these minor inconveniences to keep track of.

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