CashFlow Investing is based on the Concept by Mr Robert Kiyosaki, where the Strategies/Mindset of Investing formulated Primarily for Cashflow collection, Secondarily for Capital Gains.

I see it as a business model similar to "Insurance", "Vehicle Rental", "Property Rental". Where you manage/own assets which generates Cashflow Income on a consistent, shorter term, manageable, predictable & acceptable basis.

It is not a Get-Rich Quick, One-Time jackpot kind of strategies where you can retire quickly, but a consistent system which I use personally which will & can replace your working Income over time, leading to Retirement.


Caution - Formulated Systematically to lead to Retirement in 8 years.

Wednesday, November 27, 2013

Expenses Incurred

Cashflow Account Funding as below:

MayBank Loan Amount     - SGD $6000.00 (18th Nov 2013)
MayBank Loan Fees          - SGD $    88.80 (1.48% -One-Time, 0% interests for 6mths)

DBS Remittance Amount   - SGD $6032.64 (21st Nov 2013) (Additional Amt of s$32.64)
DBS Remittance Expenses - SGD $    41.31

MayBank Loan Amount     - SGD $4600.00 (30th April, 2014)
MayBank Loan Fees          - SGD $    86.48 (1.88% -One-Time, 0% interests for 6mths)

MayBank Loan Amount     - SGD $6000.00 (23rd Oct, 2014)
MayBank Loan Fees          - SGD $   100.80 (1.68% -One-Time, 0% interests for 6mths)

Total Expenses :     SGD $ 88.80 (18th Nov,13)
                              SGD $ 41.31 (21st Nov,13)
                              SGD $ 32.64 (21st Nov,13)
                              SGD $ 86.48 (30th April,14)
                              SGD $100.80(23rd Oct, 14)
                          =        S$ 350.03
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Total Withdrawals from Account:
1) 31/12/2014 - USD $250 (Incl Charges-$30), net amount received S$ 279.50
2) 10/11/2015 - USD $660 (Incl Charges-$30), net amount received S$ 882.08
3) 24/11/2015 - USD $660 (Incl Charges-$30), net amount received S$ 878.43
4) 20/01/2016 - USD $200 (Incl Charges-$30), net amount received S$ 275.72
5) 21/04/2016 - USD $220 (Incl Charges-$30), net amount received S$ 283.68
6) 29/06/2016 - USD $200 (Incl Charges-$30), net amount received S$ 244.03
7) 10/08/2016 - USD $235 (Incl Charges-$30), net amount received S$ 314.30

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Loan Details

MayBank Repayment: S$6000 loan (Dated 18 Nov 2013), S$88.80 (Fees)
1) 28 Nov, 2013 - s$248.80
2) 27 Dec, 2013 - s$250.00
3) 30, Jan, 2014 - s$250.00
4) 26 Feb, 2014 - s$250.00
5) 26 Mar, 2014 - s$250.00
6) 26 Apr, 2014 - s$250.00

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Arranging to rollover balance loan amt of S$4590 to another facility(no preferred bank) target beginning of May 2014. Loan Amt taken S$4600 from Maybank CreditAble, dated 30th April, 2014.

Funds are in my bank account dated 2nd May, 2014 to clear off the remaining loan from the previous Credit Facility.


MayBank Repayment: S$4600 loan (Dated 30 April, 2014), S$86.48 (Fees)
1) 16 May, 2014 - s$246.48
2) 19 June, 2014 - s$250.00
3) 21 July, 2014 - s$250.00
4) 21 Aug, 2014 - s$250.00
5) 21 Sep, 2014 - s$250.00
6) 18 Oct, 2014 - s$250.00

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Arranging to rollover balance loan amt of S$3200 to another facility(no preferred bank) target end of October 2014. Loan Amt taken S$6000 from Maybank Balance Transfer, dated 20th Oct, 2014.









Funds are in my bank account dated 23rd Oct, 2014 to clear off the remaining loan from the previous Credit Facility. Remaining amount to be funded into Cashflow Investment Account. Telegraphic Transfer made on 24th Oct 2014, awaiting to reach optionsxpress account.























MayBank Repayment: S$6000 loan (Dated 23rd Oct, 2014), S$100.80 (Fees)
1) 31 Oct, 2014  - s$250.80
2) 25 Nov, 2014 - s$250.00
3) 25 Dec, 2014 - s$250.00
4) 30 Jan,  2015 - s$250.00
5) 25 Feb, 2015 - s$250.00
6) 25 Mar, 2015 - s$250.00

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Arranging to rollover balance loan amt of S$4600 to another facility(no preferred bank), Citibank for 6mth, 0% interest, dated 14th April, 2015. Loan Amt taken S$4600, S$115 (Fees).

1) 25 Apr, 2015  - s$250.00
2) 23 May, 2015 - s$250.00
3) 20 June, 2015 - s$250.00
4) 21 July, 2015 - s$250.00
5) 20 Aug, 2015 - s$250.00
6) 25 Sep, 2015 - s$250.00

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Correction Update: Remaining Outstanding loan amt of S$3,215 to rollover to below's New Loan, extra funds are been remitted/funded into Cashflow Investing Account.

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Took a funding loan amt of S$18,200 from Maybank to DBS/POSB account, 6mth, 0% interest, 2.5% one-time fees. Dated 29th September, 2015.  S$251.16 (Fees). Repaid previous outstanding loan of S$3,215, remain amount funded into Cashflow Investing Account.

1) 13 Nov, 2015 - s$882.08
2) 25 Nov, 2015 - s$878.43


Remaining outstanding S$16,690.65


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Replacing the above loan with a new one below:
UOB S$20,500 loan, 6 mths interest free, 2.5% fee, total s$21,012.50 starting 18 Dec 2015.


1) 18 Jan, 2016 - s$631
2) 23 Feb, 2016 - s$800
3) 25 Mar, 2016 - s$650
4) 20 Apr, 2016 - s$650
5) 21 May, 2016 - s$650
6) 18 June, 2016 - s$650












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Balance amount of s$16,981.50 outstanding. On 4th July 2016, taken a s$13100 loan from OCBC at 0% interest, 2.5% processing, total loan s$13,427.50 adding on personal onhand cash of s$3,881.50 to clear previous outstanding.



Will add s$3881.50 into "Capital from my pocket" in summary.

1) 25 July, 2016 - s$557.50
2) 25 Aug, 2016 - s$550
3) 25 Sep, 2016 - s$550
4) 23 Oct, 2016 - s$550
5) 20 Nov, 2016 - s$550
6) 21 Dec, 2016 - s$550

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Balance amount of s$10,120 is transferred to another bank loan at 2.5% processing, 0% interest for 6mths. Total amount s$10,373

1) 19 Jan, 2017 - s$550
2) 19 Feb 2017 - s$550
3) 20 Mar 2017 - s$550
4) 22 Apr 2017 - s$550
5) 20 May 2017 - s$550
6) 20 Jun 2017 - s$550


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Balance amount of s$7,073 is transferred to another bank loan at 2.5% processing, 0% interest for 6mths. Total amount s$7,277.50

1) 20 Jul 2017 - s$550
2) 22 Aug 2017 - s$550
3) 21 Sep 2017 - s$550
4) 19 Oct 2017 - s$550
5) 22 Nov 2017 - s$550
6)

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