Daddy M & M

Kids, I've been watching the business world, especially here in Singapore, and I need to share some hard truths —especially if you ever dream of opening a cool cafe or restaurant. The news articles I read recently paint a scary picture of the Food & Beverage (F&B) industry. Imagine this: 82% of all F&B businesses are losing money . Only a tiny sliver—about 5% to 7%—actually turn a profit. Despite these odds, and even though over 3,000 businesses shut down this year, people keep pouring money into it. Why? Because they underestimate the monster of fixed costs . ⚠️ The Landlord Trap: The "Milk Cow" The biggest danger in F&B is the rent . Landlords often treat successful tenants like a "milk cow." They let you build up a great business, attract a loyal crowd, and then, just when you're succeeding, they hit you with a massive rent hike. I saw this happen with your uncle’s ex-company. Their rent for a fruit shop went from $4,000, to $8,000, and ...

🍎 The Investment Pie: Price = P/E x EPS x Quantity Imagine owning a tiny piece of a real business, like a local bakery or a popular toy store. That tiny piece is called a share. The formula tells us the total value of your shares price is made up of three things: 1. The Business Itself (💰 Earnings Per Share - EPS) Think of EPS (Earnings Per Share) as the slice of profit the company makes just for your one share. What it is: The EPS tells you how much money the business actually earned from selling its products or services. It shows the quality and profitability of the business itself. The Warren Buffett Lesson: I look for businesses that are like a moat-protected castle . They have something special that keeps competitors away—maybe a famous brand name, the lowest production cost, or something everyone needs. We want a company that consistently earns a lot of money and has a good chance of earning even more next year. Analogy: If you owned a lemonade stand, the EPS is how much pro...

The Siren Song of the Stock Market: Are You a Speculator or an Investor? 💰 The stock market. It's an arena where fortunes are made and lost, yet for many, it remains a bewildering black box. Thanks to the digital age, the barrier to entry is lower than ever , allowing anyone with a phone and a few dollars to jump in. This accessibility, however, masks a fundamental truth: most participants don't actually know why they make money —or, more importantly, where that money ultimately comes from. This lack of understanding is why the market can feel so misleading . It often operates like a chaotic carnival game, obscuring the two primary, and vastly different, paths to potential profit. Path 1: The Fast Lane of Speculation 🏎️ The first and most common way people try to profit is through speculation . The Mechanism: You buy an asset—a stock, a cryptocurrency, or a commodity—at a certain price, with the sole expectation that someone else will pay more for it later. The Mindset: It...