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Business & Money
by Caledor
5 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

Business & Money
by Caledor
6 years ago
3 Signs It May Be Time To Sell Your Stocks

I find that it is much easier for investors to buy stocks then it is for them to sell. I say this because I have seen investors who hold onto the stock all the way to bankruptcy, or when the stock has made a sizeable gain and the investor still refuses to sell. Some of the thought process that goes on are: They believe the stock still has more room to go up in price so they patiently wait for it to increase further, only to miss out when the stock was at its peak. The stock has dropped and the investor believes that the stock has bottomed out, and it will go up in time, so they continue to hold The stock has dropped so much that by this point, selling it would cause a big loss, so they hold onto the stock in the hopes that one day it could go back up again

Home & Garden
by Caledor
5 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
3 years 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...

Home & Garden
by Caledor
6 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...

Business & Money
by Caledor
5 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.

Business & Money
by Caledor
5 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.

Business & Money
by Caledor
5 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.

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