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Case Studies

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

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

Mar 31 2022

Case Study :: Dr Adilia Silva :: Clinical Psychologist :: Kensington :: Gauteng

The following is a case study of Dr Adilia Silva, a clinical psychologist based in Kensington Johannesburg.

We chat with Dr Adilia Silva about why she became a psychologist and everything private practice management related.

What made you decide to become a psychologist.

As a little girl, I said I wanted to be a psychologist, not a clinical psychologist because I didn’t know the difference. I did want to understand human behaviour, it was always a thing for me. Yes, there was the health aspect, but it was more about understanding people. That was my little girl dream.

Around standard four science started becoming important in my life. And I started thinking maybe genetics would be something I would enjoy or medicine. But psychology was always at the back of my mind. I wanted to understand people and grasp the complexity of human nature.

How long do you have to study to become a clinical psychologist

Yeah so it’s a bachelor’s degree, which takes three years. In my case, I have a degree in science and came from that route. But people can join the psychology program from different routes, some come from BA and Bcom routes. You don’t need to know in the first year that you want to be a psychologist, but as long as you take psychology that’s all you need. Once you have completed the three years bachelor’s you go into a selection process based on your academics for the Honor’s Program.

In order to practice as a psychologist, you need to complete your Masters. The application and selection process for the Masters program is based again on your academics as well as you as a person, it is rare to be accepted into the program on your first attempt, especially for the clinical counselling program. You will also need to apply to Master’s programs at several universities.

Without a Master’s degree, your job opportunities are limited. You can do another six months where you will then qualify as a registered counsellor or a psychometrist. This allows you to practice but you will not be able to practice as a psychologist. What some of my colleagues did is they started out as registered counsellors while they were applying for Masters so that they could earn an income in the meantime.

Would you say that the Master’s selection board is looking for maturity and people that can make a valuable contribution to the field?

Definitely, you need to be mature, you need to experience life. So yes, you can be young and get in, but you have to have had certain experiences. It is about maturity level it is about for me, it’s how much you can walk in the other person’s shoes with them. So it’s the empathy, how much empathy have, you actually got to be able to do this work? And if you haven’t had a lot of life experience, there’s not much empathy.

When you qualified as a clinical psychologist did you have to do a internship or community service?

I had to do my internship, and then I had to do my Com Serve. So my community service, both are government positions. You apply to the government and they position you. So my first position was at a psychiatric hospital. I worked at Sterkfontein Psychiatric hospital for my internship.

And there were quite a lot of exposures. I’ve got placed in the forensic unit, where we would observe people to see if they could stand trial, essentially. And then I worked with those that couldn’t stand trial, they would be were taken back to Sterkfontein and I would do therapy with them. Then I went through the acute and chronic male and female units. So essentially, it’s people that are in crisis, and those that have had long-standing disorders.

So I worked at Sterkfontein during my internship. And then during my Com Serve, I worked at a General Hospital, again, government, and I got to see a whole different side of things. Great experience, but also very eye-opening. In terms of what is available. So what services are available in a hospital? And then what resources should I say aren’t available.

What were some of the challenges you faced in your Com Serve year?

It was very difficult because you need to do short term therapy. It can’t be long term, you can’t be developing this huge internal dialogue and awareness and all of that kind of thing. It’s quick. These are the coping skills, boom, 123 Get out and we don’t have time. There’s a waiting list is all of this kind of thing.

And then, unfortunately, at the hospital I worked at there were a lot of attempted suicides. So over the weekend, the hospital would get filled, with attempted suicides. On Monday morning, we would almost like triage the psychological ward. Who’s has to stay and be admitted who is fine to go home, who needs just quick therapy or all those kind of things? With limited resources, and that was difficult. There was also a lot of stigma. People saying I don’t want to see a psychologist. I’m not crazy. Kept coming up. And I would think of, no, that’s not the point. You just tried to kill yourself. You are not, crazy. It’s just life is hard right now.

At what point did you decide you want to go into private practice.

Well, I went from Com Serve straight into private practice. At that point, it was either being an academic again, which was not going to happen, or there’s no job for me, then I was like, Whoa, private practice. Deepend here I go it was very scary. I did not know anything I didn’t know that I’d actually be a business person on top of being a psychologist. Or that I had to know about accounting, didn’t know about all of these things, and, registering with medical aids there are so many facets that it’s mind-boggling. Yeah. Scary.

So, did you think academia prepared you enough for private practice?

Just in terms of time management, having a lot of balls juggling at the same time. That helped me a lot. Also, I knew by then that I needed to already be networking. So academia did help me know that I need to network and how to juggle many balls at the same time.

How do you manage unpaid accounts in your practice?

Well, every year, I always have that unpaid amount. My plan for this year is actually to say to any new people that come into my practice. If they pay me via EFT they actually pay me before the session. Because that’s what I found that people don’t pay me. Because they walk off, I don’t have to pay. And I’m not going to do EFT I’m not going back so I don’t have to pay.

Because there aren’t the physical aspects, I don’t have credit card facilities. So it’s EFT or cash. And if it’s EFT, people just walk off on it and don’t have to pay. So that is something that I have almost 10 years down the line, I’ve learned now I need to put a new thing into place and become stricter. So the psychologist is going that I feel for this person. While the business person in me is going I can’t run at a loss anymore.

If there was something that you wish someone had told you or showed you before you started in private practice what would that be?

Along those lines, how do I keep, my files? Where do I keep my files? What do I do with them? So I know we have to keep them for seven years, and so forth. I mean, there are exceptions with all of these kinds of things. But generally, just someone who would sit with me and talk about those things, the practicalities of the files, the admin in terms of the patient notes of those aspects.

I thought, it’s like when you are a student when you do your Com Serve, all of that, you do your notes, as you’re talking to the person in private practice, you can’t do that. That you’re doing all that stuff in your own time. So I’m not even talking about just the billing and all that it’s the actual other aspects of the work. And I wish someone would have sat with me and said, Can you actually need a plan? Yes, you need to set up time and block out time for that. Because otherwise, you won’t get to it.

Contact info for Dr Adilia Sliva Clinical Psychologist


Mobile Number :: 060 479 9823

Email Address :: [email protected]

Practice Address ::  32 Good Hope St, Kensington, Johannesburg, 2101

Website Address :: www.asfsilva.co.za

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Written by Oliver Nagaya · Categorized: Case Studies · Tagged: clinical psychologist kensington, Private practice management

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