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Sep 03 2022

Investor in Real Estate or Dividend Investing :: Investing Strategies?

Being an investor in real estate is often touted as a gateway to passive income and financial freedom. But is this the best way to achieve this result. A very underrated aspect within investing strategies is the idea of dividend investing. We had the opportunity to speak with a dividend value investor with over 20 years experience in the space, Kanwal Sarai, on his thoughts on this topic.


Investor in Real Estate or Dividend Investing - Investing Strategies from a Dividend Value Investor

I learnt about real estate investing as part of investing strategies when I read the book Rich Dad, Poor Dad. There was clearly a compelling case for building your passive income and quitting your job by concentrating on this strategy over a prolonged time. But it was not an easy journey. I used this experience as a background to speak to a colleague who has over 20 years experience as a dividend investor, and built a software product to help other dividend investors, in a recent Moulding Lives Podcast episode.


Real Estate as Part of Your Investing Strategies?

Why not start your own business? Or why not own a restaurant or a franchise? Kanwal’s dad owned a number of properties. When they were living in Montreal, he owned three different rental units. And he owned a fourth property with a friend as part of a 50/50 ownership. And every weekend, Kanwal had to go to these apartments to tend to them, mow the lawn, cut the grass, do some landscaping. Every time a tenant left, they had to repaint the entire unit. Many tenants would not leave the place in a clean state, so they needed to clean everything up. So there was a lot of time and effort dedicated to maintaining the real estate properties, in order to earn that rental income. It wasn’t truly passive income.

Yes, it’s true that an investor in real estate can use property managers. But if something is urgent (like plumbing issues), the tenants would normally contact the owner directly.

What Kanwal really liked about stocks, is that it is truly passive income. For example, he bought 185 TC Energy shares and TC energy for a total investment of $2,479 in 2001. Since then, he received over $7,500 in dividends. So his capital was completely covered. He bought the stock at $13 a share, and it’s now around $55. But it doesn’t matter what the share price is, since you get the dividend income based on owning the share itself. So, Kanwal has more than made back his initial investment, has no risk in owning this asset and passive income as part of his investing strategies. The risk goes down with each dividend payout that he receives.

Those are the benefits of dividend investing, which Kanwal doesn’t easily see with real estate. However, having a real estate portfolio is clearly a sound strategy, but it’s not as easy and possibly risk-free as dividend investing.


Dividend Investing as Part of Your Investing Strategies?

Kanwal Sarai invented the Simply Investing principles, and developed a course and software product to help you implement this dividend investing strategy as part of your investing strategies. It’s definitely a long term investing approach. He does not advocate day trading, because it’s very time consuming, and you have to know what you’re doing. And you may or may not succeed. Many of his clients are in the same position as many of us – working full time, you have children, you’re married, or you’re not, but you’re busy. And especially with children, it’s even more difficult to carve out time to dedicate on being an investor in real estate, dividend investing or just general investing strategies.

That’s one of the good things about the Simply Investing approach, since it’s very much hands off. It’s a long term approach. But there’s two things that you need to be successful. Number one, you need money. The more money you have, the more success, the more money you’ll make. That goes without saying. But the second thing is time. And what Kanwal advocates, is that the more time you have, the more time you stay invested in the market, and the more money you will earn.

If you would like to learn more about Kanwal Sarai’s dividend investing approach or would like a free trial of his software, you can find that information here:

The Simply Investing Course

The Simply Investing Report and Software


Investor in Real Estate or Dividend Investing :: Further Resources

In this article, we referenced much of the information from the Moulding Lives Podcast episode that we had with Kanwal Sarai, an experienced dividend investor and software founder. If you would like to watch the full episode, we included it for you here.



We also had the following amazing Google Review from Kanwal Sarai, which you can view below.

Google Review from Kanwal Sarai on being an investor in real estate and dividend investing

We have also had the opportunity of connecting with other amazing people making a positive difference in the world and are committed to value creation. You can view a list of these case studies here.


Being a Dividend Investor or Investor in Real Estate :: Looking for Help from an Experienced Team

Based on working with experienced investors like Kanwal Sarai over many years, we can connect you to relevant financial advisors or even show you a demonstration of software that can make these investing strategies a reality for you. Enter your details below and you’ll receive confirmation from our team and the relevant resources within one working day.

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Written by Oliver Nagaya · Categorized: Case Studies

Aug 20 2022

Samantha Campbell Occupational Therapist :: A Case Study Covering Cerebral Palsy, the MAES Approach and Being an Occupational Therapist in Private Practice

In this episode of the Moulding Health Show, we discuss cerebral palsy and the MAES approach with Samantha Campbell, an Occupational Therapist based in South Africa.


Samantha Campbell Occupational Therapist

Written by Oliver Nagaya · Categorized: Case Studies

Aug 20 2022

Alexa Scher Clinical Psychologist :: A Case Study Covering Acceptance and Committment Therapy (ACT, CBT and DBT) and Being a Clinical Psychologist in Private Practice

In this episode of the Moulding Health Show, we discuss acceptance and commitment therapy (ACT, CBT and DBT) with Alexa Scher, a Clinical Psychologist based in South Africa.


Alexa Scher Clinical Psychologist

Written by Oliver Nagaya · Categorized: Case Studies

Aug 10 2022

Adult ADHD – How and Why?

We’re moving into a space now where ADHD is becoming far less stigmatised, let’s say, and people are talking about it a lot more.  Our team recently discussed the topic of adult ADHD with educational psychologist Dayne Williams and tried to understand more about this topic. Our purpose in this discussion was to get a better understanding of what ADHD is and how it is treated.


Adult ADHD - How and Why?

What ADHD Means?

According to the NHS, Attention deficit hyperactivity disorder (ADHD) is a condition that affects people’s behaviour. People with ADHD can seem restless, may have trouble concentrating and in some cases may act on impulse.

Symptoms of ADHD are normally noticed at an early age and may become more noticeable as a child develops and their circumstances change, such as when they start school. The majority of cases are diagnosed when children are between 3 & 7 years old. Sometimes though ADHD was not recognised when someone was a child, and they are diagnosed later as an adult.


ADHD in Adults

ADHD is neurological in nature, it’s not something that just pops into existence, right. So if you have it as an adult, you would have had it as a child. And, the signs of ADHD are often related to executive functioning. Executive functioning essentially is a term that we use to describe mental skills that help us navigate through life. Things like organising and planning are examples of executive functioning. Adults with ADHD, often have a lot of executive function deficits.

As an adult working in a corporate environment, if you feel like you’re unable to meet deadlines, even though you have every intention of doing that. However, you end up procrastinating significantly and leaving it until the last minute all the time. Then that crippling anxiety builds up and that process repeats consistently. Or you feel like actually, you’re capable of so much more, but you’re not being recognised for that, because you just can’t seem to work with some sense of efficiency. It could be that you are having meetings and you staring at someone and are trying to have a conversation, but you’re not taking in what people are saying, because your mind is wandering everywhere else.

These are all aspects that build up and you can imagine if this is happening consistently, it’s going to cause an increase in anxiety and frustration. And what a lot of adults don’t realise is that it might be ADHD. But they tend to internalise these things believing that there’s something wrong with them, or that they are just lazy, not intelligent enough, or just can’t listen to people. This often leads to what is called an ADHD meltdown.


What is an ADHD Meltdown?

When we have emotions and feelings that build up so extremely, there’s this outpouring or acting out in some way. But I think, you know, with kids, it’s very easy to see that kind of thing and often sort of resembles a tantrum of some sort. But with adults that can really manifest in different ways. These manifestations could be frustration, significant crying, anxiety, anxiety, and a real sense of hopelessness. Even self-loathing can be a form of an ADHD meltdown, where you just feel like, oh, there’s so much wrong with me, and I just can’t deal with life right now. 

If we use the metaphor of the pressure cooker, living with the challenges of ADHD can be unrelenting. And if it’s not managed, well, then they’re bound to build up over time and explode. So it’s just like a pressure cooker, if you don’t maintain and release the pressure it can be dangerous. But if we work on our self-awareness, and we laid off some of that pressure cooker steam gradually we can reduce the intensity of it and prevent the meltdown or explosion.


How Adult ADHD is Diagnosed?

The only difference between a childhood diagnosis and being diagnosed as an adult from a clinical perspective is that slightly fewer symptoms are required to be present to make a diagnosis in a child. But as an adult, there can be very different manifestations of ADHD, even though the symptoms are at their core, the same. The external factors are different.

So as an adult, you’re going to have the pressure to succeed in a career one day, manage a romantic relationship with a spouse or, significant other, or even parenthood. These are all aspects, of course, that children don’t deal with, but adults do and ADHD is going to have an impact on an adult, so clinically, not much difference, but of course in manifestation, it has a big difference.

When it comes to a diagnosis the psychologist or psychiatrist needs to find out about that patient’s history. They look at the developmental history, family history and medical history of the patient as ADHD is something that has to be present before the age of 12.

It’s important to have a combination of both qualitative and quantitative information. So the qualitative information comes from the conversation and the stories and hearing about the symptoms and how they affect the patient’s life and every aspect of it. The quantitative comes in the form of an actual assessment. Most practitioners use the Connors Adult ADHA Rating Scales (CAARS), as it gives us nice quantitative information, that gives us an idea as to the probability that the patient meets the criteria for ADHD. This assessment also helps with the specific areas that are affected by ADHD and we can develop a treatment plan from that. 

Using the CAARS assessment give the practitioner a more holistic idea of what that patient might be going through, and then they can make a definitive diagnosis, and therefore have a good treatment plan.


Adult ADHD Treatment

And so when people aren’t diagnosed, and move into adulthood, ADHD doesn’t miraculously disappear. If they haven’t had a diagnosis, then those symptoms are still going to be there, and they are still going to impact their lives.

If a patient is diagnosed with ADHD, then the practitioner has to have a conversation about treatment and medication. As you can imagine when it comes to medication, there are polarised views as to whether the medication works or not. There are options to follow a more homoeopathic route or go with more traditional medicine routes. Medication can only be prescribed by a psychiatrist and thus the psychologist will refer the patient to a psychiatrist for prescription purposes. In terms of the actual prescriptions for children and adults with ADHD are the same, but the dosages are different. So you won’t find a lot of adults on short-acting Ritalin but rather the long-acting Concerta.


Adult ADHD :: Further Resources

In this article, we referenced much of the information from the Moulding Health Episode that we had with Dayne Williams an Educational Psychologist based in South Africa. If you would like to watch the full episode, we included it for you here.


If you would like to view other areas related to health and insight from health practitioners, you can view our current list here: list of good health-related resources.


Adult ADHD :: Looking for Help from a Healthcare Practitioner. 

Based on working with many healthcare practitioners over many years, we can connect you to a relevant healthcare practitioner if you need assistance with adult ADHD. Enter your details below and you’ll receive confirmation from our team and the relevant healthcare practitioner within one working day.


Full Name

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Written by Oliver Nagaya · Categorized: Health

Jul 31 2022

Mbali Pearl Tlhapi – Case Study with a Dietician in South Africa

We recently spoke to Mbali Pearl Tlhapi, a dietician based in South Africa, in our Moulding Health and Moulding Private Practice Shows. It was another opportunity to connect and learn from another healthcare practitioner.

In our Moulding Health Show, we spoke about the importance of cultural food in good health from a dietician’s perspective. It was an interesting topic since the general sentiment seems to be to move away from the food that you normally grew up with. It was amazing to see her passion for the topic and her work as a dietician.

In the Moulding Private Practice Show, we discussed her journey in becoming a dietician, how she even decided on the career, her challenges in community service and then her current and future plans as a dietician. On a personal level, I didn’t realise that cooking was part of the degree requirements. It makes the degree even more interesting for me.


Video Episode with Mbali Pearl Tlhapi about the Importance of Cultural Foods in South Africa and Good Health


Audio Episode with Mbali Pearl Tlhapi about the Importance of Cultural Foods in South Africa and Good Health


Video Episode with Mbali Pearl Tlhapi about being a Dietician and Private Practice


Audio Episode with Mbali Pearl Tlhapi about being a Dietician and Private Practice


Contact Details for Mbali Pearl Tlhapi

Complete the details below to contact Mbali and make an appointment with her.


Written by Oliver Nagaya · Categorized: Case Studies

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