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About Me


My blog was started in May 2008, and was moved over from in 2010.

This is not a personal finance blog, so you won’t find articles on how to reduce credit card debt, or how to save money for retirement.  There are thousands of other blogs out there for that.  This blog is about investing (strategies, approaches, principles, economics, the markets). 

This blog is also my way of filling a void on the internet.  From my personal experience in attempting to interact with many investing & personal finance blogs out there, I was surprised to find that most are just interested in building a blog network & blog business (readership, traffic, article linking, & revenue), rather than genuinely being interested in sharing information on investing & economics with people!

I don’t care about increasing blog traffic, article linking, number of readers, and anything else that is not related to investing itself.  I don’t want to be an author of a best selling personal finance book, I want to be a Warren Buffett!  That is why you will rarely, if ever, find my blog listed on blogrolls or being named a “best of”, unless I become a more famous investor.  That is also why I have very few sites that I will link to, and also why the only other site I agreed to contribute to was TSX Waggle, an online community and project by TMX Equicom (a subsidiary of the TMX Group Inc.). 

I hope to provide investment perspective to the average investor, and help them become above average!

Some of my readers may wonder, why did I move the site to a new domain in 2010? It was all about themes.  Many paid WordPress themes can better organize content, but also are not supported by the free WordPress.  Therefore I had to have a self-hosted my blog.  I later decided to place ads on the site so the blog can pay for its own expenses.  Hey, I’m an investor, of course it needs to pay for itself!  :-P


I’m a private investor living in the Greater Toronto Area (Canada).  I am not a blogger who writes about investments for a living.  I am an investor, who also maintains a small blog on the side about investing.  I still have a day job, and am on track to eliminate it in the near future through investing!


I want to be clear that my wealth comes from investing activities, and not from writing articles or internet advertisement revenue.   I think it’s very important for anyone who blogs about investment topics, to disclose the main source of their wealth and their intentions.  It’s only responsible to do so, to avoid falsely portraying the success any investment topics & strategies that may be discussed, which can dangerously mislead readers.  Readers may think financial success comes from certain investment principles & strategies, when in fact it may really have been from ad revenue & the blogging business!  This is a very important distinction that few bloggers will make, and readers of financial websites should be aware of such portrayals!  Like we say in investing, “just follow the money!”


My wealth comes from investing, and therefore investing comes before writing blog articles.  It explains why I use Twitter much more often, and sometimes have periods where there are very few new articles.


I’ve formally studied economics, accounting, finance, and corporate strategy.  After losing almost all of my money during the technology bust, I realized that I was not a victim of the tech bust, but of my own lack of knowledge.  Since then I started from scratch and tried to accumulate as much knowledge as I could.  A lot has come from non-formal education (written works of successful investors & business people).   Through the years I’ve managed to rebuild and have accumulated a net worth north of $500,000 before I am to hit my mid 30′s in a few years, which I hope motivates fellow investors.  I’ve also made a ton of mistakes on this journey, and will no doubt make more.


For my daily tweets on investing, stocks, and the markets, follow me on Twitter (@investment_blog).


Investment Style:

I am a contrarian investor, and do not follow any conventional investment rules (allocation principle, etc).  My style is Value Investing (buying at discount to intrinsic value).  Over the years I have aimed to integrate the thought process & decision making abilities of successful investors such as Warren Buffett, Charles Munger, Fisher, etc. in order to emulate and learn from their success.


I developed what I call the function-centric investingparadigm, which has no set allocation rules or usage of any specific asset category.  Every asset must fulfill a specific role or function, that directly contributes to the investor’s goals & priorities, at a particular stage in the investor’s overall investment-life plan.  When it no longer performs the function, or is no longer needed, it is disposed of.  This also allows for flexibility to invest according to changes in economic & investment conditions without being tied to any particular class or type of asset (stocks, real estate, bonds, businesses, etc).  There isn’t any specific investment type or asset class is always superior or safer than any other (i.e. Stocks vs Real Estate, Gold vs Stocks, etc).  Everything must be based on conditions.  I don’t think bonds are any safer than equities, or that blue-chips are any safer than small caps.


I have invested in real estate, traditional equities, bonds & corporate paper, gold related investments, and whatever else happens to be the most suitable investment that can fulfill a particular functional aspect or role. In order to be adaptive, I think investors need to jump from asset to asset (like a frog) depending on the conditions.  It is also the reason why I have chosen a frog as my avatar & logo.


As posted on TSX Waggle, my investment style in 10 words or less:
“Value investing. Function focused. Flexible & mindful to changing conditions.”

[I do not work for TMX Group or TMX Equicom, and my opinions are mine own]


I look forward to sharing ideas, thoughts, and knowledge!


For more about me, read My History.
Please read the Disclosure, Disclaimer, Copyright, and Privacy sections.

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  1. Hi! I’m an editor for Seeking Alpha. Please contact me at your earliest convenience.

  2. Ravi Nagarajan says:

    Hello, I like your blog – and specifically the content on Berkshire. I have a value investing blog ( and have added your site to my blogroll.

  3. Hello.
    Your discernment is always read interesting.
    Please let me refer by all means in the future.
    I am making the blog( of the futures market in Japan in Tokyo. Please visit once when is at time.
    Thank you [Arigatou-gozamasu] .

  4. Anticipate Opportunities says:

    What an interesting bio…its nice to see some real,sincere thinkers coming into the financial market. When you have time check out my bio. I am trying to provide free and independent research because I find so much research is tainted with conflicts of interest.

  5. You are one of the sharpest $65-70K people I have ever encountered online. I can’t imagine that you won’t make $250K/year before it’s all over. And then some.

  6. Greetings,

    I have found your blog through Google and find that we may both mutually benefit from exchanging blog links. I run and get a lot of traffic everyday. By exchanging blog links on our Blog Rolls both of our sites will benefit greatly in search engine ranks. I look forward to hearing back from you!

    Kindest Regards,

    Shane E. Drozdowski

  7. Hi There,

    You have a great financial blog.. I have seen lots of blogs on finance, but trust me they don’t have rich content like you have for your blog.

    It would be my honor if you like a guest post on finance from me.

    Let me know:)
    shellybrown1984 @ gmail (dot) com

  8. Your article on Shire and Couch was interesting, since my own dealings with this woman were far from satisfactory. She invested $1.7M in our Orillia waterfront project in Ontario, in return for a 60% control of the development provided she obtain for us 100% of the required project costs. Of course she failed, but, in addition refused to permit us to continue developing the project using funds from another source. The property is now under Power of Sale and our own interest in the property, being $1.75M plus fees, totally lost.

    We were glad to give evidence against her to the Alberta Securities Commission and trust that the RCMP will do a good follow-up investigation that will lead to some justice being doled out.

    We also sympathise with all the small investors, most of whom have lost their life savings. A real tragedy indeed.

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