Recently, I had an engaging conversation about investing with my Secondary 4 son. We were discussing the concept of self-learning, and I shared how I've learned about investing through books and online forums, without ever attending formal classes. This led him to ask an interesting question: Is investing in shares the same as gambling? Our discussion turned into a thoughtful exploration of the differences. I explained that I've been investing for over 20 years, and while I’ve had my share of ups and downs, I’ve managed to achieve positive returns overall. When he asked when I started, I had t ..read more

I was hospitalised for a week. I am out of hospital now but several of my blood markers are still off. This is a post to really vent and crystallized my thoughts. I like to state what I am thankful for. Obviously, it was a rather uncomfortable experience, both physically and mentally. Mentally, because I find myself second guessing the doctors. There were no trust and I worried about the hefty bill, and if insurance would reject it ( it was approved, today). Even now, a week after I discharged, I still dun feel too well, and is contemplating seeking a second opinion.  So the first ble ..read more

病了，住了七天医院。 原来 1） 有钱就是 “爷”, 有 “保” 也是爷。 2） 大爷别高兴，你也是肥羊。 3）狼和羊不知道要怎么建立信任。 4） 在没有利用价值期间，你的存在没有人在意，除了你最亲的人。 5）最亲的圈子中，老婆说的话要第一考虑，第一个讨论，一起作出决定。 6）看这里的资深护士和人沟通，看得出他们在沟通上情绪管理的维度。 7 ..read more

I left the car washing bay after I vacuum my car. The driver in waiting was quite surprised, and ask me:" you not wiping your car dry?" I replied:" I am a lazy person, I saw someone did that before, and I tried it, I realise the car does not have any water stain mark even if I dun wipe it dry with a cloth, thereafter, I never wipe my car dry anymore." The driver replied, "oh air-drying, only works with clean water." Air dry, what a cool name for something free.  ..read more

年纪大了， 有很多想法， 和感触都和以前有点不同。 以前朋友很多， 现在很少，见面相聚更少， 但是寂寞也少了。 以前决定自己很没用， 现在觉得没用也没关系。 以前没什么钱， 孩子还小，样样都吃紧。 现在没有什么乱花， 要干什么还是行的。 以前渴望激情，浪漫。 现在知道心境， 才是自己的世界。 以前想远离一些人， 希望他们了解我。 现在知道自己对身边的人， 也是一直投射。 年纪大了， 不惑至天命。 没用，很在意， 却也管不了那许多了。 ..read more

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Had a short getaway to Kuala Lumpur and Ipoh, because then, my family will get to see the glitter of KL city, and the natural beauty and heritage of Ipoh town.  I must say, I enjoyed Ipoh much more, and I kind of missed the place. When I reached the boutique RockBed hotel, my son was a bit taken aback, and asked, "are we staying here". The exterior of the building is a hugh contrast to the 5 stars hotel we lived in KL.  But when we enter the hotel, with the manager carrying our luggage, and immediately doing my check in (he was waiting for me, I am the last guest to check in), I wa ..read more

 Some said Happiness = Reality - Expectations The word, "expectations" let us think about ideas like "goals setting, key performance indicators, career path, choices" etc.  I would say Happiness = (Reality)  power of Mindset Even negative reality, it might be possible to see enjoy happiness with the right mindset, and the mindset being the multipler of your Happiness or misery. I deliberately left out "expectations", as I looked back, I thought I could done a lot of things differently in my younger days, especially in terms of financial decisions. i.e saving up more, spending le ..read more

The nice thing about having a blog is, you can look back at your past, and be amused or touched by what you had been through.  Slighly more than 10 years ago, my bucket list is something like this: 1)  I would like to start a social enterprise 2) Do something about proverty overseas 3) Teach in a school with the highest FA pupils  4) Tour Europe  I have reached the "不惑之年"，不惑can be loosely translated as "not easily tempted or confused", I feel that is a nice word of saying "losing your dreams" Nonetheless, I have decided that helping my pupils as much as I can, is a social e ..read more

 Not talking about losing money in investment here. Is about my kids losing a competition. Regular readers would know I coach volleyball in my school, and I enjoyed it a lot. The kids give it their best too. They came for morning trainings, some reaching school as early as 6.30 a.m. They asked for recess practice and came 15 min before CCA starts.  I have a group of committed and passionate pupils.  Hence the disappointment when they cannot reach the top 4. The format of NSG has changed, such that last year top 8 schools will start playing each other from the start, called the p ..read more