Mid August Update

With Jayden around, as time has been rather tight for me as I am learning how to be a new dad now. 

However, since Sally is on board, she has been a great help and I am completely indebted to her that she free up so much time for us. 

So as I got more time now,  I will update accordingly based on my memories for June and July separately,

JUNE- My Favourite Month

The highlight of the month would definitely be going back KK for 9 days to allow my Family to catch up with Jayden, update Jayden’s passport and to celebrate my dad’s birthday.

We went to stay in Kundasang for a night in Perkasa hotel, tip of Borneo (5 hours of drive from KK)

We are planning to go Sandakan the next time and stay overnight in Pine resort Kundasang. 

We celebrated dad’s birthday in I-dragon in Imago and they celebrated my birthday mine in Chat room.

I managed to catch up with Ah Boon, Lisa, Foh, Xiao Yun and Kaichun. It is so good to be able to catch up with old friends in KK. They also celebrated my birthday with a lovely birthday cake from Lady bon bon in Lintas. 

I met Low Sai too, Airbnb king, he is currently based in Kota Kinabalu working on his Airbnb operator business. maintaining about 18 units, with an occupancy rate of about 23days out of 31 days.
His main service is to provide good internet and also transport. He has just recently clinched a contract to manage 20units Airbnb in Aeropod. He is such an entrepreneur! 

My parents are sponsoring Jayden’s milk powder, we bought a total of 22 tins which hand carried twice separately through checked in luggage. I guess you probably can imagine how big our luggage is.

My mom is helping to take care of Jayden during the period of time, which we are very grateful of.

While we were in KK, we also went to see a property in IMAGO, the loft.

Is amazing to be able to spend so many days with my family and I am very grateful for it.

I didn’t achieve much for June as I mainly focus on adapting the life with Jayden around now.

I am suggesting June is a good month to go home. Love the hospitality.

JULY-Absentness

July is about the absentness of Jenny and Jayden for 2 weeks. I spent the majority of the time at home, and Sally is around. Jenny and Jayden went Hong Kong for a holiday and to spend time. There goes my July.

Nottingham’s group celebrated my birthday in CCY’s place, had an awesome time with them.

We went for a picnic in the botanic garden on the 30^th of July and had a great catch up with the uni mates.

AUGUST- Motivating
After signing up for 21gb data with Starhub and watched more self-improvement videos, I recently been touched and motivated online and had many ideas to execute to make money and also to improve the quality of life that I am currently having. 

Spent a great weekend with Jayden and Jenny in National Gallery in City Hall, and looking forward to seeing my parents end of this month. 

A quick review of my mini achievements in June, July and August 2017

·                     Brought Jayden back home in June, 2^nd time.

·                     Celebrated Dad’s birthday at home

·                     Brought Jayden to Kundasang and Kudat

·                     Read business principles by Warren Buffett

·                     Started to read paper the edge Financial paper

·                     Prepared an excel spreadsheet about our current net worth

·                     Signed up for 21gb data for self-improvement video.

·                     Signed up for MMI and also Tony Robbins Unleash your power within. Ready to walk on fire!

·                     Watch a meaningful video about climate change, Before the Flood, by Leo DiCaprio

·                     Went to an art exhibition by Yayoi Kusama with Jayden and also Jenny, love the exhibition and would bring my parents to go together in End of August.

·                     Going for a holiday with Jenny in Malacca

·                     Started clean eat- Oats, bananas, boiled eggs, almond, tuna, beans, breast meat and fewercarbs

·                     To start meditation for 5 minutes on a daily basis, focus on breathing moaning.

·                     Started to understand about bitcoin, downloaded coinbase and also xfers

·                     Take a stroll with Jenny on a daily basis when I am on day shift

·                     Updated my cv- understood that it needs to go other places to take up higher responsibility

·                     Planned my travel itinerary for 2018, will discuss with Jenny to firm up

·                     Had fine dining with Jenny at Ma-Maison on the 4^th of August

·                     Setup a podcast on my phone so I can listen to self-development podcast when travelling

Target for September 2017

·                     To lose weight from 83.2 to 81kg, promised to lose 2kg every month from August onwards.

·                     To maintain 1600 calories for a day

·                     Change the way I eat

·                     Jayden's LTVP to update

·                     To continue blogging and note taking

·                     To be more organised and maintain

·                     Maintain clean eating

·                     Maintain deep breathing technique.

·                     Be grateful with people around me

·                     To meditate for at least 5 minutes a day to boost will power

·                     To learn more about selling things online

·                     To spend more quality time with Jenny and Jayden, go for a walk together at night

Jayden is on his 14th week and my stock trade update

It has been very challenging for the past few months, especially weeks before our helper Sally is on board, as we were travelling to Hong Kong and Kota Kinabalu with Jayden while preparing for Sally to get on board.

Jenny and I were both being stretched to our max. I still remember the period, when we are away from Hong Kong, Jenny had mastitis while I am on night shift.

Since Sally is on board, it is a lot easier for us now, at least we don't need to wake up at night to take care of Jayden. Jayden is now on average feeding on around 120ml per feed, every 2 to 3 hours. He wakes up twice at night on average and take shower once a day.

He started to produce sounds while copying us and has started to recognize people. We hope to show people around our child, so he get more comfortable with strangers and more confident.

I just got his LTVP in Singapore, the whole process has been very pleasant with Sally's help.

Jayden has been behaving, not making much noise and sleep through while we were processing the documents. I am grateful to have this night shift and able to spend so much time with jayden while he is growing up. Nowadays, all my laundry, cooking, dishwashing and chores are taken care by Sally.

My parents had booked their flight ticket to Singapore end of this Month to see Jayden, we are looking forward for them to come over and take care of Jayden.

On a side note, I have recently sold my Capitalland China retail trust with around 15 % profit and entered more USO below $10

Breakdown of the trade:

20161228- I entered 7000 stocks AU8U at 1.355
20170502- Exited 7000 AU8U at 1.555
PROFIT= SGD1400 + Dividend for Last 2 quarter of 2016

Quick review on April and plan for May 2017

Time flies, Focus is the key for me in May. Practising less but better method. To put all my energy on things with highest value.

A quick review for my goals in April

• Picked up Jayden back to Singapore
• Got helper on board
• Free up a lot of time now, that is why i can resume my blog writting
• went back to KK to see parents, relatives and also close friends. 
• Kitchen completed, prep our home for jayden's stay. 
• Visited Jade residence
• Attended Webinar of Cayden and understand more about reits
• Subscribed to FT 

Target for May

• To cut weight from 83.8 to 82kg
• Fat percentage from 27.1 to 24%
• Push up 20 and pull up 5 every day without miss
• Understand more about Singapore reits, structures and their financial ratio
• Jayden's LTVP
• Spend more time on gaining key knowledge on reits, properties and commodities
• Jenny Malaysia PR
• Spend 2 hours reading per day
• Eat leaner. consume more oats and cut down on rice
• Write more post and clarify on our ideas
• Get a kindle paperwhite so I don't need a huge bookshelf in the future to store my books
• Be polite
• Be grateful
• Stay organised
• Book of the month- NLP psychology  The most important thing illuminated by Howard marks

Hong Kong- Singapore- Kota Kinabalu- Singapore

So on the 9th of April, I spent a short weekend in Hong Kong with Jenny's family before we bring Jayden back to Singapore. We stayed in her parents' place and it was an emotional week especially Jayden had spent most of his time in Hong Kong with the family. It was rather emotional when we separated at the airport. Jenny's mum cried

Back to Singapore on the 11th of April, that is a short working week for me before we fly back to Kota Kinabalu to see my parents.

We flew back on the 16th of April, met up with most of the relatives. As usual, we had our seafood binge during the stay in Kota Kinabalu. Siew Lee is around too. She is the key person helping with taking care of Jayden during our stay in KK. 

We accepted every offer babysitting session offered from my family. Jenny and I managed to spent some time doing facial with AC beauty lane. 

It is a blessing for jayden to have so many relatives to love him. We are very grateful of it. 

Mum gave Jayden's a huge angpau. 

After our trip to KK, we came back to Singapore and prepare for the arrival of Sally, she has been a great help to us and we are very grateful to have her. It is really a huge blessing to us and also our family. 

Helper on board

We finally got our maid after months searching.

The helper is actually transferred to us from Jenny's colleague. Not just we saved the agent's fee which could go up to 1k or 2k, we also saved the hassle of picking up a poor performance helper. Going through the unchartered water is never easy for us.

We are now preparing our place for Sully, our new helper to join us on the 24th of April. Getting her a single bed, fan and some minor things and daily stuff.


With 2 different trips in April and Jayden coming to Singapore, I can forsee that our April will be rather a hectic one.

I am grateful things Jenny is doing all the hard work pulling all the strings together.

Wish the Wong family big luck!

Maid Shopping at Far East Shopping Centre

Woke up at 1pm today, slept through my Sunday morning..

Ate a bowl cereal, headed off to Orchard and straight to Far East Shopping centre, saw many people were shopping for jewellery in house of hung

Went to Aatas agency and interviewed two maids. The agency is bad and didnt know about anything

after two interviews, i then went for a meal in Orchard Ion food court,

I continued my interviews with 4 maids from another agency SG manpower.

It is very exhausting as somehow every maids are saying yes to almost all the request I am asking.

Daniel Loh on Option strategy

It is 12 pm, I am preparing for a meal with CCY and also Serene in Raffles place, along with the river at boat quay. It is always good to catch up with good friends over lunch. They are truly someone I know I can trust entirely.

After lunch, I then move swiftly to Tanjung pagar for Daniel Loh's option trading introductory course from 2pm to 5pm at international plaza.

The speaker started off with a brief explanation about the market crashes for the past 50 years. How bubbles are formed and pricked

He somehow managed to link up rising interest rates is the key factor for the bubbles to burst.

He also stated in order for a bubble to burst, it normally takes 4 times of interest rise.

Over decades, debt burdens slowly increase, debt repayment will grow faster than income and forces people to cut back on spending, since ones spending is another's income. As interest rates rise, an individual debt repayment will increase and causes less spending. It will then cause others to have less income, less borrowing, more debt repayment and less spending. Hence becomes a vicious circle. Which is the peak of long-term debt. Deleveraging will happen.

So when deleveraging happens, it is important to know how to short a stock.
Watch the video below until I can understand it.
https://www.youtube.com/watch?v=PHe0bXAIuk0

The session ended around 5pm, and i had a quick meal with Joey ting at han's restaurant. He bought me a pineapple tarts from JB.

I then went to work in marina bay station.

My Four Pillars in Life and What is my Why

There are Five Pillars of my life which will allow me to achieve things I want in life.

But before I go into How, I would like to focus on WHY do I want them?

Perhaps, after understanding WHY I want them, I can understand the benefit of it. Focus my energy on the benefits and to achieve it within my lifespan.

**Drum Rollss**

1. Why do I want to gain more Knowledge?
• To appreciate more in life
• To share more to other people in life
• To help others make wise decisions/see more
• To make clearer decisions/informed decisions
• To allow people around me to have a better life
• To see more/understand more about this world
• To be more interesting
• To shed more lights about facts/life
• To be more resourceful/valuable
• To be able to impart knowledge to others more effectively
2. Why do I want to be financially free?
• To have more time to chase my other goals/wants and needs in life
• To have more options in life
• To live a life filled with happiness
• To be more effective in doing things
• To focus on what is important to me
• To spend more time with my family and loved ones
• To travel around and gain more knowledge
• To be healthy in terms of physically, emotionally and spiritually
• To be more financially secured
• To be able to support the whole family
• To be able to assist others to be financially free
• To impart knowledge to other people
• To be able to experience more things and unique moments with my family
3. Why do I want to have strong bond with my Family
• To spend more happy time with them
• To gain trust from them
• To thank them, for giving me such a wonderful life
• To love them more
• To appreciate them more
• To understand them more
• To make my family happy
4. Why do I want to have a healthy body
• To make people around me happy
• To have a more fulfilling life
• To be able to have more time and ability to achieve more things in life
• To be able to see/touch/smell things 
• To be able to travel around and gain knowledge
• To be able to spend quality time with family
• To be able to do things I love
• To be able to play sports with my children

2016 review

I know is a bit late for my 2016 review, but who cares? hah!

• Married to a gorgeous lady
• Got our Malaysia wedding registration 
• Gave a speech in front of 500 pax ( in my wedding haha)
• Had fun in my wedding
• Went clubbing with good friends ( in my wedding)
• Arranged accommodation for more than 10 pax
• Bought a bicycle
• Met Joseph Schooling. Olympic gold medalist
• Attended Joy's wedding
• Hit my 76kg weight target
• Brought my parents to Macau & HK
• Learn to play poker with pore pore group
• Attended a project manager's course
• Able to do clap push-up
• Appreciate coffee and chocolate more than ever
• Spent more than a month's time with my parents
• Travelled to Switzerland, Germany and Austria
• Drove on a no limit highway
• Hit my target for my salary package. 
• One SG stock I owned hit 30% gain
• Obtained my Singapore PR
• Applied PR for Jenny
• Jenny is pregnant. 
• Attended John C Maxwell seminar
• Met Jim Rogers in person. The adventurous millionaire whom I adore
• Save around 30% of my income
• Met a few new key investing friend. Joey Ting, Teo, Wilson, KC

Thank you for this wonderful year. Looking forward to another wonderful year ahead! 

20th of January 2017 Jayden's Delivery

3 am Jenny broke her water at home, we packed our stuff and took a cab to Margaret Hospital.

We reached Margaret Hospital around 10 mins later, went straight to the delivery department. She was asked to change her clothes and I was told to get the registration done in the administration building H which is the A&E department.

After she is being verified by the doctor in charge that she had broke water. They asked her to stay in the ward for the night and asked me to go home. I packed my stuff and took a taxi back home. I reached home around 345am and went straight to sleep.

At 9 am, I followed Jenny's mum to Magaret hospital block C LG floor and I waited in the waiting room with some light meals and lunch to share with Jenny later with visiting hours from 12 to 1 p.m. She left after allowing me to sit there. Around 12 noon I went to the Labour department bringing lunch for Jenny.

With Jenny in the labour ward

After hours of labour pain, a doctor checked her status and found that she only opened at 2 to 3 degrees instead of 6 degrees at around 4 pm. Doctors informed us that is progress is no good, we may have to opt for emergency C-section. Doctor gave Jenny Pitocin which is to increase the frequency of the contractions as Jenny seems to be falling behind

At 5 pm, her mum is here to see her, I went off for my quick dinner and took a short walk in the garden in the cold weather. Closing my eyes to calm me

I went back around 7 pm, 30mins later, she is surrounded by doctors. Doctors confirmed that she will be going C-Section. Due to slow openings after induction, the General anaesthetist came in to check Jenny to confirm if she is good to do partial anaesthetic or general anaesthetic. The doctor is booking her a room already in D block, which is just opposite the ward.

I was then asked to wait in the waiting room, and jenny asked me to call her parents.

At 2130hrs, jenny was pushed into DL1 operation theatre and Jayden's was born at 2200hrs

The baby was being brought out around 2230hrs, Jenny was being pushed out from the operation theatre around 1145, just a few minutes after her mum left.

She then brought to the 1st floor together with the baby for overnight. I wasn't allowed to enter

I went home that night, feeling happy. Looking forward to the visiting hours at 12noon the next day.

Trump's victory and some of my thoughts

So it was a battle between Donald Trump Hillary, and Trump won the election. He will be removing TPP on his 1st day of his office on 20th of January 2017.

What I learned during this transition part, The election took more than 18 hours. People are expecting Hillary to win the election.

Gold dropped, CCA, a private jail company's stock went up, US Steel went up as he pledged to build more infrastructure in US and some other commodities stock went up.

Apparently the stock market didn't crash, instead, it bounced back quickly after and went even higher than before.

Majority of the currencies in Asia were hardly hit. Especially Malaysia ringgit.

I started to look for export companies to US in Malaysia, e.g. Top Glove, Hevea, Tguan. etc.

Gold went the other way round because USD strengthen as money from negative interest regions is being pushed back to USD.

I wonder what I would do differently?

Re-Registration of Marriage for Non-Muslim Couples [Malaysian Husband, Hong Konger Wife and Hong Kong Marriage certificate]

So here I am to sum up a quick post, so the next time I have a Malaysian Friend who is marrying to a foreigner wife and registered their marriage overseas. I will show him my post

So firstly, as some of you may have known, I am a Malaysian and my wife is Hong Konger. Both of us work in Singapore and got registered with a Hong Kong Marriage certificate in Hong Kong.

After my registration in Hong Kong Dec15, we held our dinner reception in Kota Kinabalu in March 16

So everything looks to be in perfect order until the day I was told by an officer in Malaysia Embassy in Hong Kong that in order to get Malaysia's citizenship, I need to have a Malaysia Marriage Certificate. WTF!

It will take 4 months for Malaysia embassy in Hong Kong to process and by that time, when Jenny is already on her 7th month. It is too late for us to apply. Jayden needed a passport to come back Singapore.

Of course, everything could have been done in the Headquarters of JPN (Jambatan Pendaftaran Negara) which is in Kuala Lumpur. However, this option would requires both of us to travel to KL and is too much of hassle for my wife as she is pregnant now.

We opt for the marriage re-registration in JB option

Re-Registration Of Marriage For Non-Muslim Couples Registered According To The Laws Of The Foreign Country On Or After 01.03.1982 – Jabatan Pendaftaran Negara

So we took a bus to JB, rented a car and an accommodation in JB. Our first destination is JPN JB [Setia Tropika, 81200 Johor Bahru, Johor, Malaysia]

After getting all the forms and a brief direction from the friendly staff at JPN, filled up the form KC 06, prepared some of the document photocopies and photos of us on a designated background. 

JB JPN office is closed between 1pm to 2pm for Lunch. 

For our case, one tricky part is that need to see Hong Kong immigration stamp on my passport to prove that I entered Hong Kong for my marriage registration in Hong Kong. 

Apparently, Hong Kong immigration officer did not stamp on my passport. I then used my flight booking email as proof but it needs to be stamped by Malaysian commissioners for oath which could be done in JB High Court.

So on the second day, we made our trip to High Court for the translation and also commissioners for oath. 
We then drove back to JB JPN for our documents submission. 

After submitting all the documents, cleared the penalty for submitting the application later than 6 months and checked by the officer in JPN, our Malaysian re-registration certificate was issued to us on the spot.

So we are officially registered and our child can now apply for Malaysia Passport

Tips:
Smile and speak malay to the officers.
Plan your timing before you head to JB, as translator department in high court is closed on Sunday while JPN is open.

Eton House open day

We learn as we grow older.

So we visited Eton house's open day,  a nursery near Orchard which is great, near to our place nothing to complain about, the set up is very different from what we had imagined. They emphasise on learn while playing. The whole setup is very fun and is very engaging.

Upon arrival of the place which is just next to the main road of Orchard Road, we were welcomed by their head principal at the door, we were the first couple to reach the place and immediately the principal handed over to a teacher waiting for us.

She greeted us with a big smile and started to show us around. We went through a few of their rooms and she explained to us what are the key activities arranged by the nursery.

The environment is very spacious and cultivating. Those kids would be playing with shadows, sand, construction toys, sensory tasting and more. The school is trying to cultivate curiosity in the child from very young age.

At the end of the tour, we were being ushered to a room, where we were being briefed by a lady about their school fees and their administration part. As our child is not born yet, booking now seems to be rather early.

After that briefing, we went to a garden outside the building and had some light refreshment. A few couples were sitting down at the area.

Conclusion,

• Price is above average
• There is a gap if the child is to transfer from international school to local school. 
• No fixed curriculum
• Not sure if is worth the money that we are paying
• On top of the school fees, we still have to fork out the money to take care of him after school and someone to be there for him when Jenny is away

September 2016 Review

We started off with Thomson Medical Antenatal Dr Wong Boh Boi at AMK while Jenny is in her 19th week The entire program is about 5 classes and it cost about 400++ per couple. 

I learned about taking care of a pregnant mother, breastfeeding and some common symptoms or complications throughout pregnancy. 

We went back to Hong Kong on the 10th of September 2016, caught up with Avis and also Murphy, Molly and also a new huge rabbit. I can truly feel Avis's warmth hospitality towards Jenny and I. We are both truly grateful to have such a wonderful caring friend. 

We went Hong Kong to celebrate my mother-in-law's birthday. We had a meal and also met some other relatives which we missed out previously when we did our registration in December 2015. 

We also visited Margaret Hospital to check about the delivery procedure and also how to do the booking. So we need to get a medical certificate saying Jenny is official pregnant then only we can get a place int the hospital for the delivery. 

Aside from this, we tried to check with Malaysia embassy in Hong Kong about getting our child's Malaysia Citizenship. Unfortunately, it was a holiday that Monday, which is why we got a holiday in Singapore in the first place.

As we got back Singapore, we then celebrated's Ted's Birthday in Pasar Bella in Suntec, the place was rather hip and our celebration falls on the Formula one race weekend which Nico Rosberg took the podium. That particular weekend, Suntec was filled with beautiful cars and somehow sexy models. We can hear the roaring sound while walking from MRT towards Suntec mall. 

On my third Sunday, I was invited by Raymond to play Poker in his place with his mates. It was a fun game to play and I get to know more about some of his Hong Kong friends in a short period of time. We had

• Nguyen, who is very cautious with his diet, and how he distribute his cards. he is the only one who cannot speak Cantonese on the table
• Gloria, a lady who went MIA for the whole while and was late for more than an hour. although she then brought a few bottles of beers for us to make up. She is the first one to lose all her chips. She likes spicy crisps 
• Raymond and Anita, a unique couple who behaves more like friends than couple sometimes. Probably because they have spent a lot of time together. 
• Aldric, a banker which brings his people skills to the poker table. He won a lot of money at the beginning of the game
• Oil king, which I forgot his name but he was the 2nd runner up after Raymond at the end of the game. 

To conclude the game, it was an interesting one and I am hoping looking for more games to come in the future. It is good to learn from the Hong Kongers and to upgrade my self confidence in the the near future. 

We then head off towards Takashimaya East Ocean at Orchard Road for our dinner with our Hong Kong's Pore Pore group.Our poker group were late for like almost 20 minutes. I guess being late is a habit imbued in Hong Kongers. As we arrived, most of our friends have reached apart from the one who is working with Goldman Sach. 

David brought a new friend to join our group, the guy who we met in our BBQ session in David's place last time. David also brought a few souvenirs for us that night. David and Jenny brought mooncake that night too. 

Alex then sent us back home at the end of the dinner. We had a short conversation about newborn, which is now our common conversation. 

On the third week of the month, we attended Choi Mei and Bernard's wedding lunch in Royal Park Pickering which was rather glamorous and enjoyable. Again, we catch up with our friends in Singapore and also some flew in from Australia and Kota Kinabalu namely Caren and Lisa. 

So on our last week of September, I will be working on night shift again and I will be focusing on getting my Malaysia Marriage Registration. As I have already obtained my Hong Kong Marriage Certificate, I don't need to get another Single status certificate from JPN (HQ) in KL. 

As Jenny is Hong Kong citizen while I am a Malaysia Citizen, we both registered our marriage in Hong Kong. 

So what we(Non-Muslim with foreign certificate) need to do in order to obtain Malaysia Marriage Certificate are as follow: 

1. To get a form KC06 from Malaysia Embassy in Singapore. 
2. To fill it up and get translated in JB court. 
3. To Submit the translated form to JPN in JB, both of us are required to be there to sign some documents. According to the lady on the phone is that we will only spend about 20 minutes there
4. Complete the re-registration form in JPN JB. 

After getting our Malaysia Marriage certificate, we will then focus on our child's citizenship application in Malaysia Embassy in Hong Kong. 

So there goes my September 2016 

A quick review on things happened in August

There is nothing much in August that I had achieved except attending Synapse's introductory course with CCY. Learned a bit about some basics about tradings, tools, candlestick chart and some of the website and resources traders used. I found that trading is not my tea yet, which I felt I need to be more focus on Value investing. Maybe for myself, I am just now mentally prepare yet. 

I also attended Patrick's Seminar about the capital mechanism. He talked about IPO and how he did business with his network here in Singapore. It was truly an enjoyable seminar though I need to leave early for Jenny's ultrasound scan at Thomson medical centre with Dr Beh. 

I also attend BBQ for Karen's farewell at David's place. Alex came and fetched us with our luggage which we put inside his car. I mistakenly took over the bbq the whole night and missed conversation between the bankers and some rich dudes making money secrets. 

I guess I am very outdated nowadays, sticking to traditional occupation and earning a meagre amount of money. Construction is not as interesting as before, pay is low and working hours is long. There is nothing much I can share from my personal experience. 

One interesting part that I did in August is to fly back KK for veronica's wedding and to meet my family with Jenny. This time round flying back is a lot more relaxing and lighthearted. I guess is because previously we were busy with preparation of our wedding. It is good to see so many old friends in veronica's wedding. Victor and Jonathan make up a beautiful video of all of us greeting veronica and steven. I remember Veronica walked towards me for a photo session immediately after the video. Truly honour to see her getting married to someone that is kind and gentle like steven. Truly felt happy for her. 

I also spend most of our free time in Kota Kinabalu with my family. We brought some of the food back for them and also some of the good stuff. It is so good to spend time with family. Not to forget, Major, my younger brother pet at home. We spend a good time with him while we were at home. 

While we were on our way back to Singapore from Kota Kinabalu, we heard about haze from Riau and also Zika virus in Singapore. We bought a 2  mosquito trap/killer, DEET-free mosquito repellent and some N95 mask. Jenny is now working from home for the time being.

So grateful that he is working in an international company which allows a lot of flexibility on the working hours and location. 

Master Goal list

1. Financially free by 45 years old. A portfolio generating $18K PASSIVE income per month
2. To have self-discipline in everything I do. What I do anything is how I do everything
3. To have integrity. Speak the truth whatever the price is on daily basis
4. To live a sustainable healthy lifestyle. Care for my body, mind and soul on a daily basis
5. To be a world-class citizen/investor by 40 years old
6. To unconditionally love Jenny, Jayden and my Family on a daily basis
7. To explore at least 200 cities by 50 years old
8. To learn more about history of  Europe, Russia and China by 40 years old
9. Take care of my immediate family, support them to be financially free by 45 years old
10. To contribute to the society: To support single mum holistically 40 years old
11. Be a multi-millionaire by 40 years old. To have at least SGD100 million cash by 60 years old.
12. Create a strong community in helping others in investing and becoming financially free.
13. Write an international bestselling book by 50 years old
14. To attend world-class seminars and learn at least once a year
15. Speak perfect English, practice giving speech by 40
16. Ideal body: Weight 70kg, Body fat 16% and Visceral fat 8
17. Own 30 properties around the world by 60 years old
18. To generate ROI of at least 10% per annum easily
19. Develop a strong family bond, spend time with my close family

Sunday with Jenny at SSO Classics in the Park

Woke up at around 2.30pm to a lovely weather. I called it good weather here when is cloudy and windy. We went to Velocity at Novena Square for a one for one dairy free juice from Boost Juice Bar.

I ordered the Mango Tango Crush which has mango, passion fruit, mango nectar, tropical juice, sorbet and ice. While Jenny ordered Pink Guava Berry Crush which has pink guava, raspberry, tropical juice, sorbet and ice. We are learning how to name our drinks and food we eat recently.

After our drinks, we then bought dim sum from Kopitiam at Velocity. We bought a prawn chee chiong fun, Crystal Dumpling and Siew Mai.

After our heavy late lunch which is around 15.48hrs. we then walked towards botanic gardens from Velocity which we then found out that the distance is too far for Jenny and me to walk there now. After walking half way, we decided to take the bus.

We alighted from the bus at the North Gate, where is nearer to Botanic Gardens Circle Line station. Upon arrival, we can see a huge crowd in front of a huge black metal gate. We decided to scout nearby for some dessert or a coffee before we go for the concert.

Just a few minutes walk from the gate, we found Island Creamery nearby and had our dessert fix there. I ordered homemade apple pie with cookies and cream ice cream, surprisingly the guy gave me an extra scoop which made my day.

After our satisfying dessert, we head towards Singapore Botanic gardens and headed towards Shaw Foundation Symphony Stage. It is like a floating stage with pond surrounding it. While we were walking towards the stage, there is a huge crowd walking towards the same direction too. Most of them are families with children. Despite the cloudy and windy weather, we both did sweat a bit while walking towards the stage.

Upon arrival,which was around 15 minutes early, there was already a huge crowd sitting on the grass with picnic mat sprawled all over the place. Without any hesitation, we quickly walked through the crowded and find a green spot for both of us. After settling down, we found all our neighbours brought food and drinks for the concert. i.e. pizza, scampi, sandwich and crisp for the classics

The concert started sharp at 6pm, with an emcee from the back of the crowd introducing the conductor Joshua Tan and also SSO to us. We also have Rina Singam joining us that evening singing some old tunes from The Sound of Music Over the rainbow.

I was lying on the grass next the Jenny with my eyes closed enjoying throughout the concert. It is rather serenading and relaxing.

The concert ended around 7pm, we then headed Dhoby Ghaut for a quick meal at Nam Nam.

She ordered dry sauteed lemongrass pork noodles, while I ordered chicken pho with rice flour noodles. I think they served both pho to us in less than 5 minutes. I haven't got time to get all the utensils yet. We also ordered a side caramelised crispy chicken wing.

At Nam Nam with Jenny

The Chicken Pho I had was not too bad, it comes in a big bowl, with tender sliced chicken breast and a separate bowl of soup with chicken's liver. I would suggest the portion is larger than wrap & roll. Jenny's Dry Sauteed Lemongrass Pork Noodle seems to be value for money. They even had a popiah comes with it. The Caramelised crispy chicken wing we find it to be too bland to our likings. The meal cost around $26, although I would say the food is reasonable for that price, I would say the good company really did make up for it. #Feeling Grateful

After our meal, I parted with Jenny and headed towards the city for work.

July review and a 3 months look ahead

So let me start with what I had achieved in July 2016, and what actions I took.

• We moved our room, negotiated with Roger and saved $200 on a monthly basis. 
• We made dumplings at home and Jenny baked Macarons
• Scanned our baby and mother checkup at Thompson hospital
• Planned our financials together as a couple
• Jenny applied her PR
• We eat at home more often. 
• We attended John C Maxwell Leadership Seminars about "Intentional Living"
• Announced our baby arrival to our close friends. 
• Started to read a book by Ku Swee Yong "Weathering A Property Downturn"
• Attended VIC in SGX with CCY. It was an informative and entertaining session. We were sitting on the stairs. 
• Attended Jim Rogers' Masterclass session and asked him a few questions about investing and money making. 
• Took a photo with Jim Rogers
• Went to a baby Fair to do some research with Jenny
• Celebrated Anthony's birthday with our close friends. 
• So that is some of the key activities I have done for July 2016. I am very grateful with all these happening to me now, and I am looking forward to continual learning session. 

1.    Health

• My Weight- There is a slight rebound from 76kg to 80kg recently. Due to holiday in Switzerland and Germany which I ate uncontrollably. 
• Will have to replace one meal with my protein shake
• Push up 50 times

2.    Myself

•  I have got my Singapore PR. Hoorah! 
•  Will be meeting Jon for a session about insurance this coming week
• Attended interesting seminars with great audiences. Jim Rogers, John C Maxwell. 
• Pareto's Law is important. Focus on the top 20% to bring 80% of the results. 

3.    Finance/Investment

• Share investing knowledge with Joey Ting and Wilson Tsen. Glad to have peers joining me this adventure. 
•  Properties in Malaysia had been put on hold.  Follow up with Mau or any agents in Malaysia
• Holding through Oil. USO is nearing $9 now. 
• Thinking to convert some of the money into USD to trade in US market now.
• I will also be attending synapse trading with CCY this coming 22/8

4.    Relationship

• Baby will due this coming January. Hopefully before Chinese New Year.So far, our baby is healthy and very active too. We saw him doing a Headstand during one of our scans.
• This year we have 3 weddings to attend. Choi Mei's, Veronica and Wilson. 
•  Co-work a website with my younger brother now. 
• Bought a Canadian .999 silver coin for my younger brother. 

6.    Family

•  Going home this coming month end and will be able to spend some time with them. 
• Mum seems to have some argument with Dad about business recently. 

7.    Business

• Put on hold at the moment.

8.    Travel

• Kota Kinabalu in August, Hong Kong in September.   

Honeymoon 2016

Just ended our honeymoon in Switzerland days back. Wanted to write down what we had been through and what happened in the trip.

Day 1 (3/6/2016) Bern/Geneva
We reached Zurich in the morning, and transferred to Bern for sight-seeing and then to Geneva, which is a french-speaking region of Switzerland. Upon arrival, we picked up our tour guide from the train station and immediately started a quick city tour.

Our local tour guide showed us around the city, a number of famous international organisation in Geneva such as United Nation, Red Cross etc.

We were truly amazed with how many international organisation were based in Geneva.

Day 2 (4/6/2016) Zermatt/Matterhorn
We woke up pretty early in Geneva today, pretty much is because of the jet lag and I guess we were rather excited with our activities today. Immediately after breakfast, we followed our bus to Tasch, where we had our lunch and catch train to Zermatt.

We took a cable-car ride to the Matterhorn Glacier Paradise with a guide with us. There is a viewing platform on the top of the Matterhorn Glacier Paradise where we can see snow-capped mountains near the region. We were very lucky that the weather that day was very good.

We then head back to Zermatt via Cable-car, where we stayed for a night. We strolled around in the city and bought some souvenirs, mainly chocolate and biscuits, from the COOP in the village.

Day 3 (5/6/2016) Interlaken
As usual, we were transferred by train and bus from Zermatt to Interlaken, a resort town surrounded by two lakes. After our lunch near Interlaken west station, we were given a half day free-and-easy.

Jenny and I both decided to take a funicular ride near Interlaken OST towards Harder Klum, a viewing platform on the top of Interlaken. We can see the whole city and also the two pond from Harder Klum. The view from above is spectacular.

After our excursion, we had our dinner in Spyder where our travel group mate Mr Tiah and Cyrstal, from Jasmine travel organised a honeymoon surprise for us. We were invited to the stage to do Swiss traditional dance and traditional music instrument. We had a blast that evening.

Day 4 (6/6/2016) Montreux/Cailler Chocolate factory
We took a bus ride from Interlaken to Cailler around 10am in the morning.

Upon arrival of the chocolate factory, we did a tour about history of Cailler and how they produced chocolate. We headed for lunch in Montreux after our tour in Cailler

We then continued our journey to a nearby vineyard in Lavaux where we watched a movie about the process of wine making in Switzerland and tasted some of their local wine.

After that, we headed back to Interlaken for our dinner.

Day 5 (7/6/2016) Lucerne
We woke up rather early today again, took a breakfast in Interlaken hotel where we can see that the weather wasn't good that morning. It was cloudy and started drizzling.

We hopped on our bus on Interlaken and headed towards Lucerne.

We reached Lucerne around 11am, picked up our local tour guide and she brought us to the Lion Monument, walked across the chapel bridge and around the old town of Lucerne. This history of Lucerne is fascinating.

After our lunch, we had free-and-easy. We did some souvenirs shopping in the lovely town.

We had cheese fondue and also meat fondue that evening.

Day 6 (8/6/2016) Zurich
We had half day free and easy in Lucerne before we headed Zurich.

Jenny and I decided to have a Swiss style coffee break in Heini Restaurant after we checked out. We headed Zurich after our Chinese lunch in Lucerne.

As we arrived Zurich, we picked up our local tour guide did a city tour. She brought us to Zurich University, FIFA office, and old town of Zurich.

We also went to COOP to pick up some souvenirs before all of our tour group members flying back Singapore tomorrow.

After our Chinese dinner in the city, we checked in Dorint Hotel near Zurich Airport.

Day 7(9/6/2016) Neuschwanstein Castle/Munich
Woke up rather early today, repacked all our luggage and followed our tour bus to the airport, we bidden farewell to our tour mates, picked up our rented car from Zurich airport and drove to Fussen in Germany where we visited two castles in the region named Neuschwanstein Castle and Hohenschwangau Castle.

It was raining heavily that day so we were all drenched while visiting the castle.

After our visit, we drove to Munich where we checked into Augusten hotel. We then walked from our hotel to Karl Platz and to Marienplatz.

We settled our dinner in Hofbrauhaus where we can see everyone drinking a litre of beer and eating German traditional food. The atmosphere is good and I would recommend our friends to visit Hofbrauhaus when they are in Munich.

Day 8 10/6/2016 AStuttgart /Mercedes Museum
We bought breakfast from Lidl near Olympiad park where the BMW Museum is before we head towards Stuttgart.

I was driving like a German when I am on the autobahn. I was driving about 160-180km/hr throughout the journey, which I truly enjoyed it.

We arrived Stuttgart in less time than expected and Jenny slept through the journey.

After our early lunch in Stuttgart, we head towards the Mercedes Museum.

We visited their sales gallery and proceeded to their Museum. The entry was about Euro 8 per person. We spent half a day there and truly impressed with what we had learned and experienced in the Museum.

After our museum, we walked around Schlossplatz, and had dinner nearby where I had another pork knuckle again.

We stayed in Airbnb to experience for a night.

Day 9 11/6/2016 Triberg/Zurich
As usual, we dropped by Lidl for a quick breakfast and head towards Triberg in Blackforest, where we meet Maren.

Upon arrival, she hugged Jenny and I in the car park. It was nice seeing her again after her trip to KK for our wedding in March.

Without wasting time, we proceeded our hike together to the top of Triberg waterfall.

We also visited a large cuckoo clock near the area and have our typical German lunch together in Hofgut Sternen.

After our meal, we visited Titisee for black forest cake.

We bidden farewell to Maren after our dessert and headed back to Zurich where we stayed overnight there.

After we checked in, we returned our car to the airport and travelled back to the hotel to rest.

Day 10 12/6/2016 Flight home
We took the bus shuttle from hotel towards Zurich airport, had a late breakfast in the airport and boarded the our slightly delayed flight around 12 noon from Zurich to Singapore.

That is all for our Honeymoon in 2016. Looking forward to more trips to com.

Double blue faint lines

I reached home around 0630am today, woke jenny up and we did the test together. It is positive.

Hooray! Game is on!

Post wedding and honeymoon preparation

So it has been about one and a half months from our wedding day. I guess the question that I received the most would be

"How is marriage life?"

It was hilarious when the 1st few people asked me. However, the feeling changed when I get this same question from all the people around me. I got a bit annoyed and would just simply answer them.

We have just got our photos and started to slowly distribute them to friends and family.

We prefer not to bombard our friends and family with photos and videos by oversharing them. We kept them in a certain degree of privacy. We believe in less is more.

As for our honeymoon, all the payment has been made and now we are just preparing ourselves mentally for this trip.

Although it cost me an arm and a leg, however, I do believe that travelling together is key getting our thoughts and views closer to each other.

There are a lot of to-do list and things to follow up as a couple officially.
We started a joint account, share common goals, discussed  our future into more details. Things seem to have cast into stone now and we are ready to move forward together as a team.

There are a few items that we need to sort out.

1) Our baby plan.
2) Relationship
3) Child's citizenship-birth certificate
4) Where are we settling down? Singapore or Malaysia?
5) Where are we buying properties in Malaysia, JB or KL?
6) How do we move forward as a couple investing?
7) Getting a PR in Malaysia
8) Re-register in Malaysia
9) Book a place to stay in Malaysia for Vero's wedding in August.
10) Change Euro/Swiss Franc
11) Hair Cut
12) IC Collection
13) Meet Waqas
14) Singpass


Our highlight for the month of May would be both my parent's visit to Singapore,  Jenny to Shanghai., JB property tour and honeymoon trip plan.

Our wedding preparation process and also our big day journal

It is almost a month after our wedding in 26th of March.

I will bring us back to 21st of March 2016.

Took a flight back home, touched down kota kinabalu around 1130. The weather in Kota Kinabalu was very hazy. Some part of Borneo was on fire.  I still remember looking at the haze and thinking that wasn't  great. and went straight to Shangrila Tanjung Aru Resort to meet Darlene to make the remaining payment. I remember the journey was rather awkward as we were worried of overspending.

Upon reaching the resort, we made the payment and left the resort straight. We went to a place with air cond for lunch at 88 Marketplace. During our lunch time, my dad passed me a huge ang pau for my wedding. I accepted graciously.

we had meals together with my aunty that night at Damai.

On the 22nd of March

We had breakfast together in Damai, topped up my credit and I brought my younger brother to meet our photographer to finalised our childhood montage and also Hong Kong registration slideshow in the morning.

After that, we went to buy KFC for Dad's staff and went back Office to have lunch with them. After our KFC lunch, we then went to Maybank and also Times square to fix our backdrop. Managed to get a huge discount from Orange Channel. Will definitely reckon them again next time.


23rd of March 2016
Jenny's arrival, I took the car and we checked in Imago the Loft. Met Puikei for the key collection and she told me about her new shop in Hilltop. After checked in, we went to meet Darlene from Shangrila to finalise some of the things.

24th of March 2016
Counting down, jenny's family arrival, brought them out for a meal in the city,  we then brought them to Shangrila to do a quick survey in that area, sent them back while I meet up with Darlene together with my parents and also Shaun. I briefed

We had a meal together in Ta Jia Lai that night, mum ordered a huge lobster for them to enjoy.

25th of March 2016
We checked in Shangrila hotel and have scheduled to meet our heng dais and ji mui. we had our lunch in Shang Palace and continue with our planning and stuff. My group of heng dai were slightly late for our rehearsal. Did all the audio and visual checks and went for a quick dinner. After our dinner, I went to fetch jenny's family back to Shangrila. I couldn't sleep that night. went to back around 3am and woke up at 5am.

26th of March 2016

Woke up at 5am, packed and travelled to Shangrila, we checked in room 223. Brought 2 aunties and also 1 cousin to the room for their preparation.

My heng dai arrived and we started preparation, took photos and proceeded with our gate crashing activities. After our gate crashing, we did a brief tea ceremony and went for our lunch and also groom's relative tea ceremony in Shang Palace.

After our lunch, we took a quick break and started the preparation accordingly. we had all our friends and relatives helping us out with the preparation. I went to the room 223 for a quick nap and then hang out in room 222. I did a check with the preparation in the hall and started preparation from my side for the night session.

Around 5pm, we then moved to the garden and took a few photos with some of our overseas friends.

6pm the reception commences. We ended the reception around 1030pm and went for an after party in the bed around 12midnight.

I guess that is all for my wedding celebration.

Last 2 weeks before our big day

Walking by Marina Bay after our meal in Raffles Place and seeing Fullerton bay, it reminds me of the time when I proposed to Jenny last year June. Time flies!

We were sitting by the bay, watching people walked by, exercise and took photos of the city.
I was drinking a cup of coffee while catching up with jenny for about an hour or so before my night shift begins.

It is now 2 more weeks until the actual big day for us. Looking back to our checklist, we have managed to tick off quite a few of items.

Thinking back, time is passing really quick, I guess I am going to miss this period when the big day is finally over.

Chrystelle and Guillaume wedding 20/2/2016

We were all dressed up for the night, and gather at Absinthe around 7 O' Clock for Chrystelle and Guillaume wedding reception.

Upon arrival the restaurant, we asked the waitress on the ground floor and she showed us the way to the third floor. It was a wooden narrow staircase, and is something what we normally get in boat quay. We knew were in the right place when we started to see poster of the couple along the stairs. 

Upon reaching third floor, we first went into the toilet first, very neat and tidy. The guest were extremely friendly and well dressed too. We greeted some of their guest even though we don't really know them. 

We first met Guillaume, he was wearing checkered red and black shirt, saying hello to the guest. There was a queue forming up before the couple, as we were all being welcomed by the newly weds respectively. 

After saying hi to guillaume, we then passed our present and also good luck note to chrystelle. 

After settling down, after we greeted some of their guests in the room, we were then given a glass of champange each by the waiteress. 

They got a few corners in the two rooms. Present/gift corner, best wishes corner, ang pau box, photobooth, guestbook, chocolate corner and etc. 

We were in their world for that night.

Suzie and oli performed for chrystelle, suzie is playing the ukulele while oliver sings. 

After our meal, we had pinky dance, Q&A sessions with the couple, first dance which end up to be a performance by the newly wed and their friends. 

We also have the flower throwing session too.  

It was truly an enjoyable night. 

2015 year review

A quick wrap up for 2015

  

1.    Health

1.    Lost 10kg, with the help of Mr Willie Lim. I am now at 76kg weight, 21.8% fat. 

2.    Developed a stable diet. controlling my calories intake below 1700 per day now. 

2.    Myself

1.    Got back from Australia, not moving there soon. There is a glass ceiling for Asian to be promoted.

2.    Insurance sorted out. I am now fully covered from Jonathan. He is very helpful and I am very grateful to have such a nice friend like him. 

3.    Started to source some stuff to sell from Taobao. 

4.    Went to a cooking lesson with Jenny in ABC Cooking lesson. 

5.    Bonnie past away.

3.    Finance/Investment

1.     Some changes with our investment in Philippines. Developer seems to change the layout for the upper floor. We are planning to put money in until June 2016. 

2.    Economy is not good, so I put on hold on the properties in Malaysia. 

3.    Planning to conduct more investment through bad times.

4.    Put most of my money in Oil when is about 38 dollar. 

5.    Met jim Rogers.

6.    Checked on a few properties in Bangsar South with Ah Mau. Been through life as an real estate agent for a day with with him. 

7.    Met Prop Nex CEO. Mohammad Ismail. Learned about franchising is never easy. We need to do our homework. 

4.    Relationship

1.    Engaged with Jenny on 29/6/2015. 

2.    Attended Shannon's wedding in Pulau Pinang. 

3.    Met Caren, Kevin Gu and Amos in Perth. Caught up with them about life in Perth. We had dinner together. I also met Edward and also Emily. Seems like they are settling well there. 

6.    Family

1.    Spent a good whole time with my parents this year. From Perth, New Zealand, Singapore, Hong Kong, Macau to Kota Kinabalu. This year is truly a great bonding time with my dearest mum and dad. Feeling grateful.

2.    My parents seems to have build a strong bond with Jenny. They like her so much. 

7.    Business

1.    Passed the website which I had started previously to my brother to manage. 

8.    Travel

1.    Went to New Zealand South Island with Mum.