You’ve got to see and hear it to believe it!
My daughter who’s two years younger, is giving my son O-levels English and Chinese oral tuition!
Not kidding.
I feel so proud of her.
And kudos to my boy for knowing he needs it too!
The little tidbits in my life.
You’ve got to see and hear it to believe it!
My daughter who’s two years younger, is giving my son O-levels English and Chinese oral tuition!
Not kidding.
I feel so proud of her.
And kudos to my boy for knowing he needs it too!
It’s my birthday month!
Normally I’d declare that every day this month was a celebration.
Somehow this year I feel more mellow.
I don’t want to be drinking so much.
I don’t want that much attention.
I don’t want to hang out too late at night.
I don’t want birthday cakes and singing songs.
I just want to chill alone and play my online games or watch property or investing YouTube videos.
That’d make me sufficiently happy.
We are now in the round of 32 (there were 48 teams starting in this edition).
Canada beat South Africa.
Brazil just beat Japan early this morning. Last minute goal what a horrible way to bow out.
Paraguay just shocked Germany on penalties. Wow.
Argentina and France are again my guess for a repeat of the finals with France winning it this time,
The summer heat wave is really hitting Europe very bad.
I’ve seen a few videos of the French frying bacon and eggs with a metal pan in the sun.
In fact I’d think that some places are hotter than in Singapore.
Take care and turn up the AC.
Lately been looking at Phase 3 for f this development as it has been launched on sale for quite some time now.
Generally for less than SGD200K, I can now get a 500+sqft high floor 1bed1bath. That is huge!
I will not talk about the benefits as I don’t want to bother with the hype, a lot of it is all over the internet, specifically with the RTS completion and SEZ incoming.
Four key issues with this property compared to the rest I’ve been looking at.
1) R&F the China developer is facing financial difficulties. There is real insolvency risk. What if Phase 3 cannot be completed if the developer goes bankrupt?
Having been onsite, most Phase 3 towers are more than 30 floors built now. So there is high probability that construction will be completed. Both Phase 1 (2018) and Phase 2 (2024) have been completed and were buzzing the numerous I’ve been there. That said I have to acknowledge that there are still implications if R&F goes bankrupt.
2) If R&F goes bankrupt AFTER completion, the township will still be impacted, Phase 4 and Phase 5 will not even start and the property might be abandoned?
Again my assessment is that this is highly unlikely. It is the face of Johor as you enter Malaysia via the Woodlands Causeway. There is no way the Johor government will let such a prominent project suffer unlike what has happened to Forest City.
3) The unit I’ve been looking at suffers from overcrowding density. 10 units a floor, 49 floors, and only three lifts to service everyone?!
This is a risk I am willing to accept. It is prevalent in China and many other countries facing such congestion and they can find ways to make it work.
4) SGDMYR FX Risk is real. Currently at around 3.15, if MYR continues to weaken to let’s say 3.50 or even 4! A SGD200K property even at same MYR value might be worth SGD150K to a Singaporean owner thereafter!
Again this is a risk I have to accept. The reverse could also happen, who knows?
Anyway these are the risks of buying overseas properties and there are many others so it’s just good to document the considerations before I make any actual plunge.
Huat ah!
Brought the family to Bali this June holidays.
Stayed at Seminyak this time, so the kids could do more teenage to adult activities.
We stayed at The Seminyak Suites Private Villas and had a whole villa to ourselves. It was one of the highlights for the wifey and kids who’ve never stayed in an exclusive villa with pool before in Bali. Our villa had a pool in the middle between two large rooms, each with its own en-suite toilet and huge bath tub. We also had daily breakfast and it was more like a concierge service except instead of hotel concierge, it was villa concierge. Very luxurious.
We didn’t do much the day we landed, just got acquainted with the villa, watched the Bali sunset on Kuta beach. After dinner we played Scrabble till late in the night.
The second day we also spent time in the villa pool. Then after lunch we went to try one of Bali’s best Escape Rooms. This place was called Pandora Experience. The room we did was El Dorado themed and in my opinion had better props and rooms than any we’ve tried in SG or JB! We were very impressed! Also we managed to get out of the room in 65mins, well within the allotted two hours. After that we went to one of Bali’s large malls to shop and ended up buying some clothes. In the evening I brought the family to eat HK porridge at Warung Laota, a favourite haunt during my Saxo party trips to Bali.
On the third day we had a packed itinerary. We had a 90min drive to the gathering area for the ATV (All Terrain Vehicle) tour in the morning. We took the tandem package which meant I took one ATV with Xin while the wifey took one with Wei. It was fun but a little too long for my liking. 90mins of ATV riding was a little tough. Then we had lunch at the gathering point, followed by white water rafting! This was the most fun activity of the whole trip! We took a raft just four of us and a guide, and rafted down Agung River. it was so fun the kids loved the experience so much. For dinner I brought the family to have Naughty Nuri’s. Sure we had to wait half an hour due to the long queues but trust me it was well worth it. The ribs, bbq prawns and crispy pork knuckles were so good!
Fourth day we did surfing lessons! Again the teens loved it AND they were better at it than me and the wifey were. While the three of them took beginner instructors, I went for the intermediate instructor who immediately took me out to the furthest point to catch the third waves. The beginners had to do half an hour lesson on land before they could enter the sea. That said, I was terrible this time around, struggling to stand at all and was constantly wiping out from the huge waves of Kuta Beach. For some reason, I still found all that wiping out pretty fun even though I could hardly stand for more than a few seconds and my body is absolutely hurting. We then continued the afternoon playing in our villa pool. Dinner was at Shima Teppanyaki. It was not bad, but I’ve had better.
Finally on the last day we went for Pandora Experience one more time! This time we tried the Alcatraz themed room. And it was even better than the El Dorado themed room! Mind blowing how they could create such elaborate props! Then we went to another mall in Seminyak and then finally headed to the airport for home.
What a short but fun trip!
Been travelling up to JB quite a bit.
Looking at the property there.
R&F Princess.
Coronade Twins.
Exsim Causewayz (wtf?)
Thinking of sinking a small bit into another hard asset.
Might get stuck for the long haul though.
A sad day.
Today we got news of Uncle Joe’s passing.
He was 78.
His lungs had hived and he had difficulty breathing through his dying days.
We actually made a trip up to KL last weekend.
Mum, sis, Xin and I.
Got to see all my Malaysian side of the family.
Got to see Uncle Joe too.
I guess it was a blessing that we saw him and spent time with him in his final moments.
I recall giving him a brief of the world today as we saw it from Singapore, we talked politics and economics as I sat by his bedside. His mind was still so sharp, he could still understand the implications of today’s world was moving towards.
Mum spent time reminding him of how they met, how her sister brought him home to meet with her parents. How he bonded with my dad.
My daughter paired with her cousin Adriana to sing to him sweet lullabies by his bedside, strumming on the ukulele.
God bless you Uncle Joe.
祝你一路好走。
I reckon I need to make an effort to blog more again.
Write my thoughts, my passions, my emotions.
It’s not only about having a memory of what has happened in my life, but it helps to straighten out my thoughts.
With the advent of AI, I do find myself chatting with different AIs a lot about my feelings and aggregating best possible decisions which I find highly effective in enhancing my decision making skills.
Yet I ought to have a record of all this somewhere in cyberspace so that I can access it all one day when dementia sets in for me.
It’s like this video I just watched last night where dementia and Alzheimer’s is an incurable disease right now and if I happen to have it, then I will surely forget my life and all that’s passed.
It’d be quite a waste to let so many good memories go to waste.
Also exercising helps preserve the hippocampus and prefrontal cortex. That’s what I learned last night haha.
Suddenly I cannot seem to upload pictures on Blogger anymore.
Was quite bummed out since it meant I can’t upload my pictures and post that much.
Then I remembered that this blog has been around for 22 years!
And back then I never could upload pictures!
My posts were long essays.
They were descriptive and emotional and told imaginative and creative stories about what happened in my daily life back then and the feelings I was going through.
I need to bring that writing back.
Here’s to more creative days ahead.
So
1) PSG beats Arsenal on penalties to win the UCL Finals
2) San Antonio Spurs beat the Oklahoma City Thunder to win Game 7 of the Western Conference Finals to advance to the NBA Finals against the New York Knicks
3) Loh Kean Yew loses the KFF Singapore Open Men’s Final to France’s Alex Lanier in three sets
What a weekend, sad for LKY but proud of him and hope he wins something this year.
What a sporting weekend!
1) UCL Finals - PSG beats Arsenal on penalties last night
2) NBA WCF Game 7 - San Antonio Spurs v Oklahoma City Thunder
3) KFF Singapore Badminton Open Finals - Loh Kean Yew v Alex Lanier
So exciting!
Last Sunday played ball with the kids as usual.
It was that days lunchtime onwards that a freezing lower back pain began to hurt me.
By the next few days especially over the midweek I was standing a lot and my back aches worsened.
Spent the weekend lying in bed, doing lower back exercises etc which seems to have largely worked.
Lower back pain is really quite the bitch.
Now I have to worry about it becoming chronic.
Sigh, the woes of aging.
We’ve locked in UEFA Champions League next season!
Currently in third place, we’ve likely gotten that locked in.
Well done to Michael Carrick!
It pains me to think that if we had gotten rid of Ruben Amorim earlier, we might even have challenged for the league title this season!
In any case, back to where we belong, and much to look forward to next season!
Oh and Bruno Fernandez just won Football Writers Footballer Of The Year!
GGMU!!!
There’re several wars going on.
The Strait of Hormuz is still closed.
There is an energy and oil crisis around the world.
Inflation is running high globally.
Yet.
S&P is near ATH, touching 7,500.
NASDAQ is near ATH, touching 29,600.
Dow is near ATH, touching 50,000.
What gives?
Haven’t played my first game of golf in 2026. In fact I didn’t play a single game in 2025 even!
Haven’t cycled in a really really long time as well.
Haven’t travelled at all other than a couple of day trips to JB, in all of 2026. Sad.
Haven’t played basketball with kids in almost a month. Sad.
Haven’t had a proper run in a week, due to the rains.
Wifey bought new paddles for paddle ball, so that’s something new.
Doing more gym, static, home workouts for muscle strengthening.
Work is consuming me the last few months.
Not in a terrible way.
I have a lot of things going on, a lot of things to oversee, and the business is growing with many positive changes, so make no mistake, I’m not complaining about anything negatively draining at work.
Home is going well too, but with the teens busy with school, friends and their own initiatives, we are sort of confined to set timings to be together - some weekday dinners, meals and family gatherings on weekends, morning ferry drives. That’s really it. It feels normal but it’s also a new normal for us as parents.
A lot more electronic device usage by everyone. Sometimes necessary sometimes could have of. It’s not easy to find a balance.
Health is the bigger issue. I’ve recently been quite obsessed with latest technology and AI and my belief is that we will, without accident, live longer as healthcare and biotech improves. So there’s a lot to think about there. So it’s better diet and more regular exercise that I need to work towards.
Here’s my very own magnificent seven AutoInvest portfolios!
I’m hoping with great discipline, these portfolios will help me FIRE earlier than planned!
1. Boglehead
2. China Power
3. Dividends
4. Greatest Risk
5. JIBVISC
6. Max Aggressive
7. Purely CSPX
Really win liao lor.
This heat is ridiculous.
This year’s April must be one of the hottest + humidest in a very long time.
It’s soooo hot especially at night.
And it’s sooooo humid!
It’s already April.
How quickly this year is moving along really.
The Iran War is still ongoing and it looks likelier to escalate further and drag on, than end.
There is an energy crisis where many governments are already sounding the alarm, but the masses are not panicking yet.
It is harder to plan family holidays, as worries of an escalating oil crisis might mean that any overseas tickets I buy now, may not be a viable destination. Quite worrying.
Work is also weird. There is too much volatility in the markets that the markets have become so unpredictable that traders have all gone to the sidelines.
So we went from thinking we’d do really well this year, to bracing for this being a year we might miss our targets. In a short matter on two months.
And April is projected to be hotter than March :(
Today was a walk down memory lane.
I went with my dad to the location of his old home. We called it Old House.
It was off Beatty Road. One of the first of its kind government housing before HDB even came to form.
I have faint memories there as my parents brought me there on a weekly basis when my grandmother was still alive and my paternal side of the family would gather there to drink beers, gamble, play mahjong and make merry.
Today we walked Beatty Road, then Sturdee Road, drove through Jalan Besar.
It was a great time reminiscing the past, both for dad and I.
He was narrating all the old stories of his childhood, while walking different streets. Where different things happened in his life as he was growing up.
We saw the beautiful Peranakan terrace houses on Petain Road.
Then we drove to Berseh Food Centre at Jalan Berseh for dinner. We had herbal turtle soup paired with mutton tendon soup, washed down with sugarcane juice.
It was delicious.
Today was a good day.
Here’s an interesting problem I am currently facing.
Say you invested a significant amount X into a stock that you believe in strongly. A very high conviction stock.
Said stock manages to 2X in six months, at which point you could sell off, realize the gains, place it into fixed deposits and earn $1,000/mth in interest at current interest rates, guaranteed.
OR
The stock turnaround has only just begun and the reasons it has already 2X are the same reasons of very high probability it could possibly propel the stock price to an even higher level of 3-5X in the next 1-2 years.
Which would you choose to do?
There appears no end in sight.
Trump definitely doesn’t know what he’s gotten himself into.
Iran is surviving better than most would’ve expected.
The people in the GCC especially Dubai and Doha, do not seem to be alarmed by the fact that this war is only just beginning and rescue flights can still go in and out of the GCC states. Who knows if this will escalate further and desalinations plants, more oil depots and airports will be completely decapacitated. Only then will true panic set in.
Hopefully this whole situation will deescalate instead but let’s see.
Trump is definitely going to find it very difficult to 下台 now.
Dad’s surgery is off.
I guess I have next week super free now.
It’s feels weird but I suppose this is for the best.
Who knows what other twists there will be.
It’s been a very weird year so far.
The general feeling is negative.
Life isn’t great, health is great, family stuff isn’t great, work stress is rising.
Haven’t travelled at all this year and have ZERO travel plans and it’s already March.
Yet wealth is increasing at the fastest pace ever.
It’s a very weird year that feels very off somehow.
Hopefully the not so good parts will improve.
So my dad has decided to undergo the suggested operation.
It is good in the sense that it was what I’d have liked for him since he is able and deemed healthy to do so.
That said it is a tough thing for him to go through. No matter his choice of next path, all roads are life changing, so the decision is certainly not easy.
Hopefully the surgery goes well as expected.
The US and Israel have begun preemptive strikes on Iran.
This was somewhat expected considering the recent military buildup and warnings.
Gold and silver will certainly spike upwards.
So will oil obviously.
The stock markets will tank come Monday but there is a bit of dependency on whether there is any deescalation tomorrow.
Always notable that Trump always starts market tanking shit on Saturdays so I would not be surprised if they get back to the negotiating table before Monday’s open.
Let’s see what’s going to happen.
Ok so here’s my goal in the medium term since I am getting on with age after all.
I hope to retire by age 55.
I hope to have at least $2.5m in liquid investible assets at 55.
So there, I said it.
Now to work towards this goal.
Been generally feeling down lately.
Because of all this that’s going on.
Yet it feels like this is going to be a huat year for me.
Alas but huat is not equal to health.
Sigh.
I know it is the circle of life.
But why now?
Ok.
We are down to choosing the right ENT Surgeon.
Or at least it’s my father’s choice.
Went for the prognosis with mum and dad.
Dad’s situation isn’t the best.
As in the choices that he has are difficult.
Yet there are silver linings but still.
And things could deteriorate rapidly if he delays or wait.
As his son there are clear choices I’d make for him driven by urgency and wanting him to live as long as healthy life possible.
But having slept on all that we had to soak in yesterday, if I put myself in his shoes, if a much tougher choice of the major procedure, with lots of high risk elements, with not sufficient guarantees that a life changed, will make him happy.
I feel like in the end, the choice is his and he will need to stick by it.
Sigh.
Special mention to the doctors and nurses and administrative staff of CGH.
For a public hospital that operates as a not-for-profit, it is a wonder these noble staff do what they do with so much compassion. They all deserve the good things in life.
I haven’t done this very often.
Spend personal time just me and my dad.
I picked him up and the first thing he asked was whether I remember the last time we spent together just two of us.
Maybe it was one of the trips with just me and him when I was in primary or secondary school. Krakatoa? Some kelong fishing trip in Malaysia?
That’s how long ago it was since it was mano a mano.
Anyway it was great chatting about everything under the sun from 9pm to around 1130pm.
We parked and set our picnic chairs facing the ECP sea and just talked for hours.
CPF. Retirement. My ambitions. My dreams. Awareness of who I need to take care of. Teapots. Auctions. The brain. Reminiscing. Our memories. Family dynamics.
Perhaps will try to do another round where we go jog our memories at Old House next.
It’s living life by these moments that matter.
The year has started…off.
I do not think I will be having a happy or prosperous year ahead.
I seriously doubt I will achieve much of what I want to achieve this year, notably will not travel much.
Sad.
:’(
God bless us all.
What I should do RIGHT NOW
This is key.
1. Shift to DEFENSIVE MODE (6–12 weeks)
This aligns perfectly with your current pillar.
2. Reintroduce movement before performance
Even 30 mins indoors counts.
For you, movement fixes mood before logic returns.
3. Avoid big irreversible decisions
Not the time for:
Short-term restraint = long-term win.
4. Family duty now is karmically “correct”
Supporting your family is the way to go.
In BaZi logic, it actually:
The important reassurance
This phase does NOT say:
It says:
“Slow the flow, tighten the channel, and you’ll move faster again soon.”
What’s really happening (non-mystical explanation)
You’re in a temporary depletion state:
That combination directly correlates with:
This is biology + psychology, not cosmic punishment.
2025 suddenly feels like eons ago.
That wonderful Norwegian, Finnish and French holiday feels like years back.
And now day to day realities are hitting too close to home.
This was meant to be a good year for me, or so it seemed.
Now it looks like the opposite.
Wishing good health and prosperity to all.
Cautiously afraid to tread forwards into the year ahead.
Sigh.
So proud of myself.
At 47 I’m still playing.
Here’s to many more years
Here we go again.
2025 has turned out to be a great year.
Will 2026 be a continuation of the same? Or even better?
In fact this year I came up with 7 resolutions to work towards!
Here are my resolutions for 2026!
Wow 2025, what a fantastic year you’ve been.
It didn’t look it at the start but boy did we end with a power upshot, with further momentum to come going into 2026!
Here’s a quick look back on 2025 for me.
January was off the back of a wonderful and affordable Korea trip. It made me fall in love with Kore finally. Attended the girl’s orientation in secondary school, absolutely proud of her stellar achievement, felt like she scored full marks for her PSLE tbh. She’s quite set for life, is my hope. Actually had a short trip to KL for work, but any travel is good for me.
Feb was CNY, nothing super significant. Joker Xue concert at the National Stadium. Oh, financially we paid off our mortgage. Now that was fucking significant. 46yr old with no housing loan. What a baller!
March I visited Copenhagen for work. Was fun and I always love travelling out of Asia.
April 7th was a day of infamy at work, when we had a mega P1 incident, caused by Trump’s tariff announcement. There was the JPM Corporate Challenge. Then I brought the kids to Penang, it was so much fun!
May we went day camping on Sentosa Island. Then two amazing nights of Lady Gage concert for me. Also brought the kids to catch The Phantom Of The Opera.
June we went to Perth. It was so fun. Great break from the challenges and business at work. We also bought our new BYD Atto 3. Was due for delivery only in September because it was the hottest selling car.
July we celebrated many birthdays. Did a staycation at W Hotel on Sentosa Island. It was the best durian season too. I ran the Railway Corridor which was slightly more than a half marathon, on my birthday!
There wasn’t much going on in August. A DHS reunion. Some key changes at work, new org chains etc. oh we did a 3D2N getaway to JB right across the causeway.
September we took delivery of the new car. It’s a great drive. Nothing much else. Lots of work.
October was the busiest month for work I suppose, because nothing much else happened,
Nov it started getting better. Started with a Copenhagen trip again where we dipped in 10°C sea pool. Had a colleague’s son who was a finalist on Masterchef Denmark cook dinner for us. Then partied the night away in Denmark’s J Day, the launch of Christmas beer. Also I caught Singapore beating HK to qualify for the Asian Cup first time ever on merit!
Dec was a trip to HCM with the son to experience more about the Vietnam War. Then the legendary Paris, Tromso, Rovaniemi mega holiday where we were so lucky we saw the northern lights multiple times. Also stayed in a $4K/night Finnish igloo glass cabin for two nights. Some of the most magical moments happened in the middle of the frozen lake at -20°C.
Health was relatively good all year. Have made a conscious decision to cut down my alcohol intake. Could’ve exercised more though.
Family relationships were great. Again need to spend more time with my aging parents. Kids are getting more independent now, can talk back some more.
Personal finances weren’t the best at the start and then April Trump fucked me over for a bit, but by golly the stars seem to be aligning around mid Q4 and it looks to be even better into the new year.
Work was great. Very busy but I spent the whole year in a role that I was in my element. The foundations are set and this year is the year I get to outperform. Cautiously super optimistic about job satisfaction, target outperformance and earnings at work in 2026.
As with traditional, here were last year’s reviews.
And here were my 2025 resolutions.
Below are my 2025 resolutions review.
1) Average 10K Step Per Day Whole Year FAIL
I actually managed to average >10K steps per day for the month of December. Alas this was quite difficult to achieve. Maybe I shall attempt it against this year. In all I achieved an average of 8,387 steps a day in 2025.
2) Lose 3kg (from 85kg) FAIL
I start 2026 at 87kg. Nuff said.
3) Earn 100K From Investments PASS
‘‘Twas a great year for me on the investing front. Down from paying off the mortgage, some key bets took me back to a level as though I still had that mortgage money. Kudos to DRO, EOS and UNH. Two of which I carry into the new year.
4) Buy An EV PASS
You know the initial resolution was to ‘buy a Tesla’? Then Silly Elon Musk did things that didn’t align with my own thoughts so why should I give him my money? He’s already too rich as is. We ended up getting a BYD Atto 3 and I cannot be happier with it. It’s been a great and proud experience so far.
5) Drink Less Alcohol (max 5 pints per week) FAIL
I feel like I’m coming closer and closer to this goal every year. Could 2026 be the year that I finally go sober?
———
Ok so another year with 2/5 Passes.
Some were close, and I would get closer based on my resolve this year. Others might be unattainable so I have to tweak a little.
Here’s to an even stronger 2026 let’s go!
HUAT AH!!!
Wow.
The US has bombed Venezuela and captured its now deposed leader onto a ship bound for New York!
The US is now basically saying ‘we can do whatever we want, wherever we want, whenever we want.’
Still haven’t made up my mind what the longer term impact of what happened today will be, I do not think there will be a large scaled war.
This appears to be a #杀一儆百 exercise by the US.
Interesting to see how the rest of the world reacts to this.
What a way to start 2026!
#venezuela