FI with me

Got no one to share my excitement apart from my partner. My share portfolio is hitting a new milestone soon!! I keep telling myself to be grateful and this year has got to be the best year of my life! :) Stay positive everyone!

🎉 Election day!  My portfolio is going to the direction that I have planned out. It's no surprise that the banks are cutting their interest rate lower and lower - you know, to make people spend their money and boost the country's economy. But I still gotta keep some for emergency fund. There are 2 holdings ( VDHG and BOQ )  that I plan to sell in 2021 once I hold long enough for CTG tax after 12 months as they are not really aligning with what I want.  Haha I'm a cheapo can't help myself.  I have added few more in ASIA tech because I can only foresee the growth of tech. How else are we supposed to live without internet and scrolling the phone aimlessly? 😂 🤣  We shall see how the election go hey? Don't forget to use my link to sign up for Selfwealth  to get 5 free trades for yourself! (Flat fee $9.50 for every trade on this trading platform).  They are going to launch for US market trade by end of the year.

I have bought more ETFs in September - ASIA and VDHG, also topping up my existing ones. I made a mistake while buying VDHG. I was experimenting another trading app - Commsec to check on their live update of prices. So while I used that $ to place order in Selfwealth, selfwealth price was actually not the same?!!! It's my fault for not checking the price on selfwealth before clicking the order button. I ended up buying 60 cent more than market price on selfwealth platform - which means I lost money the second I placed order.  💀 🔨

I recently suffered quite a bad skin condition this winter in Aussie. I've tried my usual La Roche-Posay lip balm, Laneige lip mask (which eventually did help improve my chapped lips) this winter but the painful sensation and constant dry skin was a huge problem to me. I ended up watching some youtube videos and saw the recommendation between Cerave and Vani cream by a dermatologist youtuber. So the next day I went to the local chemist and got myself a Cerave facial lotion PM.  So initially I did feel the burning sensation when I applied on my face and I did realise some acne breakout on my forehead the next day which is quite unusual for me as I'm not those who easily has acne outbreak except for hormonal ones during menstrual cycle. Little did I know it was the start of my horrible experience... I continuously applied it on my skin as I thought "ah its okay.. just a little sting, it would get better". I was so wrong. After application of Cerave lotion During the cov...

This is my current distribution. I'm hoping to gear more to my ETFs this month. I've been listening to many podcast (Aussie firebug, medical money, dev raga) and reading a lot about LIC vs ETFs.  I think for now, I'll stick to ETFs as my strategy.  I still haven't got enough side hustle to bump up more $.  And congrats to my partner who got onto paeds training and we don't have to move interstate woohoo!!

I'd just like to write this down as part of my baby step journey into this share investing market.  Hopefully someone else as clueless as me would find this relatable. 😂 Disclaimer: I'm not by any chance very financial savvy or have a very good knowledge in share market/the bull or bear. It all started around end of March-early April in 2020. My partner started to read a book called  "the barefoot investor" by Scott Pape  after we went book shopping one day feeling like we gotta read something other than just watching netflix on our free time.  P .s. I got myself a "this is going to hurt" by Adam Kay and it was a good book where I can relate to some of his experiences at work. 1 - The first thing we did was to open up an ING bank account as suggested by BFI.   Reason: - 1.8% interest in saving maximiser account as compared to 0.05% in my other bank - Common sense time: 1.8% vs 0.05% which generates more interest? I only wish I knew it earlier...Al...

So I tried my last cycle with diva cup again. This time I had no issues with removing the cup but there comes another one ---> forgetting to remove it on my day 3-4 period for at least 12H because I was rushing in the morning to work!! 😓 My cup stank like 💀💀💀... Tried soaking it in vinegar overnight then re-boiled it then put it under the sun.. didn't work💀 And then oh my haul to get hydrogen peroxide....it's sold out almost everywhere...I finally managed to get it on my 3rd store hunt. Again soaked it for longer than 12 hours.. reboiled and let it have a sunbath.. Smell was slightly faint-er?? but i don't know is it just my sense of smell or it's still just there?😐 But it didn't really bother me much after that. Fingers crossed. Hope the smell would eventually go away. Lesson learnt: do not put it in for longer than the duration they suggested!!😂😂 Update 7 June: prior to my June cycle, there's no smell! Thanks to hydrogen peroxide so...

I finally mustered up the courage and bought a menstrual cup after doing the quiz  yesterday.  My result was a lily cup / diva cup etc.  However my chemist only is selling diva cup.  So I got a size 1 diva cup yesterday. --- TMI --- Tried it on in the shower, tried to take it out. Felt quite alright. So popped it in and went to sleep after that. -- THE NEXT MORNING -- I was silly enough to want to remove it as soon as I was awake. To my horror, I cant feel that stem like I did yesterday in the shower for removal!!!  From a medical background, i know the cup is still inside. But I just couldn't reach it as my fingers are too short. Tried almost every tip on the internet -> squat, relax, let gravity does its job. I even had a wee and opened my bowel because of the bladder and rectal pressure after trying to get to the base of the cup. The stem/base was so "slippery" in a body for manipulation 😞.. the pictures of removal steps on the internet ar...

I always have troubles when it comes to the time of the month a.k.a. menses/period. I tend to have acne outbreak (always, 99% on the T-zone and chin on my face) during my period no matter how good I take care of my skin. These are the few facial products I have tried out so far and I just want to give an honest opinion on how it works on me. Face Wash : I had used Johnson & Johnson's face wash from my whole teenage life. Never had any issues with it. I like how un-oily it made my face feel after using it. After going into university, I explored a bunch of random face wash. My sister recommended me using Massada but i find the particle hurts my face alot so I didn't like it. Then my bf's sister recommend him to use another korean brand facewash - which I love the smell alot but it is costly!! 98MYR per bottle. I bought like 3...in 2016-2017. Fast forward to 2018, I was still using the korean facewash as mention.  Until I started going to facial...

I'm doing good, thanks. Got myself a little (expensive) present. :) Looking back at the old entries, haha, I do grow old as time goes by. Some I find them embarrassing now so I've archived them since long time ago. lol. I'd just like to say different working cultures really amaze me. How the organization works, distribution and flow of work. People should really travel and they will learn new things each day. Interact. Speak.

Review after 1 year usage: Pro: cute and adequate for phone (iphone x) Con: the PU pieces came off so quickly when it has not even been used for 1 year! Im so upset with it. Bought the peach one in June 2018, gray in Jan 2019. Both are already torn at the side after a short while. 

JBL GO Portable Bluetooth speaker (rechargeable) I've been looking for bluetooth speaker for sometime now as my 8-years-old MacbookPro's speaker is getting a bit out of range. I stumbled upon this on Lazada on sales. It's cheaper than Sony and has a smaller size. It also has lots of positive review by users. So I decided to give it a try, bought it at RM77. It has a few color options - red, blue, black, I chose black. It reached pretty quick, tried it out and the sound was good! Easy to carry around and good sound quality. I'd give it a 5/5 and would definitely purchase from the seller again.

觉得自己像马劳。 漂洋过海来到这里打工。 希望自己可以尽快适应。 觉得全部离乡背井、到别处打工的人都太勇敢了。 无论为了什么理由，离开多久，那个勇气，真的很难得。 不希望爸爸妈妈担心，可是又很想告诉他们很想家。 可是到这个阶段，回去是暂时不可能的。 必须达到某个阶段的成绩，才行。不然一切就会浪费掉。 对自己天天说“加油”。

It's been a long time since i write on anything, no matter on the internet or in the traditional diary book. I was thinking yesterday.. I have so much to tell.. but I don't have the audience to listen to me (or maybe i dont need any audience...haa..) Then i decided to write again on the internet.. because i have no idea where to keep a diary in my place now the world is so different now.. u feel anger on something , u post something out on the internet, that thing can be shared out despite being selected to post to personal friend but there's still chance of your mutual friend might shared and it could be viewed by the person involved etc.. causing more drama... I just feel we are so much restricted on this social media thing.. I cant say out whats in my mind as i wish.. Like, "can u pls dont work like shyt pls?", "can u dont pass shyt pls?" I can only shout in my mind...

Guess what other license I have now? I'm now a PADI certified open water diver! This means I can dive up to 18metres underwater nowwwwww.  Well, I didn't actually come up with the thought of doing diving but ken did. So we went searching around on TripAdvisors and facebook pages and finally came across Tioman Scuba Guru. After numerous enquiries and confirming the weather in February, we finally booked everything for diving in February. Diving with Tioman Scuba Guru Accommodation: Salang Pusaka Deluxe 5D4N read my review on tripadvisor re: Salang Pusaka Resort here! 14th-15th Feb We travelled from KL to Mersing by bus on the 14th of Feb at 11pm from BTS. The journey took about 6 hours and we reached Mersing at the early hour of 5am. We initially wanted to go to the jetty but just aimlessly walked to a mamak stall and ordered some food to eat. Couldn't beat the sleepiness so we walked in and booked a room at the bluewater hotel just for a couple of hours rest befo...

Travel log Day 1: 9/10 arrived at london 4.30pm. Took tube (piccadily line) around 6 sth pm to russell square. reached hostel about 7pm. Got a basement room. Triple storey bunk beds. I took the top most bed ><,  ken took the bed below me. After contacting dj using the hostel wifi, we went out to meet him and his friend at leicester square (chinatown) for dinner. We had dinner (fish n chip) in the Brown's restaurant (dj chia xD). His friend richard, an engineer, is quite a funny guy. Went back hostel and KO after a long flight of 13 hours from malaysia. Day 2: 10/10 kept waking up all night tho had a few hours of deep sleep. Some ppl came back to hostel late thus the noises. Otherwise it was ok. Had the free breakfast (toasted bread and cereal and tea), took the pamphlet and so happened we join the sanderman free walking tour around london. Before that, we went to buy data plan. 3 - all in one for 20£ (cz we needed the international roaming service). Walked around the b...

Wishing friend congratz while feeling sort of sad on the inside.. Was it just me who has no luck to get the job too? The most ideal one of course is if me and friend get job.. but too bad.. i seem to be standing zero chance. Really hope i can get a job too. no matter how late it is. Please.

A short picture clip is not enough to describe my trip to Sydney. It was full of fun, adventure and SUNSHINE. Before departing to Australia for my study, I booked through a local agent from Malaysia (Sedunia Travel) for a 4d3n customized package (a/w grayline aus) with a reasonable price. And so, on 18th jan night i departed to melbourne and took tigerair from mel to syd. Reaching sydney around evening on 19th Jan, my first meal for the dinner was McD. HAHA and it was actually good! Second day was the trip to blue mountains and jenolan caves. Too bad it was a bit foggy at the Three Sisters. But i did manage to capture a few glimpse of it when the clouds were gone. Then I went on to explore the Jenolan Caves. It was great! Haha wasn't too bad to climb 900 steps as the weather is chilly. Third day was the city tour but it was only half day. Got to see the Harbour Bridge and Sydney Opera House. And then went to Bondi Beach, walked through the rocks' history annnnd fr...

6th Jan 2014 Depart from KL to KK. Flight took about 2.30hr. reached there about 12.55pm. had lunch then took the rented van to Kinabalu Park (journey about 2 hours, it's all the hilly roads. Rented van to accommodate 15 of us is 600 including return to KK city. it's included in the package..). The base was quite chill. We were quite lucky in a sense that all the hostel were full and we're given nicer lodge kinda thing to sleep with the price of the hostel. There's a whole bunch of students from HKU gonna trek KK with us tomorrow. Buffet dinner was good (or maybe im just too hungry). The food are all ok. Lodge was also ok to sleep. Everything's in ok condition. 7th Jan 2014 Breakfast buffet *drools*..too bad couldn't eat much as I cant hike with a full stomach. I chose the Timpohon route. So there's a shuttle bus picking us up from the base to the gate. Started to hike about 9am. oh..and we also rented hiking sticks which cost RM10 each. [a quick ...

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