Make money by investing during a bull market

Men who can both be right and sit tight are uncommon. -Jesse Lauriston Livermore Can you make money by investing during a bull market? Yes, of course, you can provided your investment horizon is long term ( at least 3-5 years) and you do not invest in individual stocks. Warren… Continue Reading

5 ways to make money from credit card

5 ways to make money using credit card

“The one who hugs a debt also shakes hand with a danger.” ― Amit Kalantri Yes, yes, I am not supposed to tell you about credit cards. The very first thing you learn in personal finance, credit cards are bad for your financial health. But having said that, you actually can… Continue Reading

Monthly Financial Update October 2020


“It is not the man who has too little, but the man who craves more, that is poor.”Seneca The year 2020 almost comes to an end and I have been reading many books about life and investment for the last 6 months. The last 6 months were the most incredible… Continue Reading


You don’t marry someone you can live with — you marry someone you cannot live without. True love stories never have endings.- Richard Bach I would like to dedicate these lyrics to all ladies who were once loved by some guys long ago but their love stories did not end… Continue Reading

What I taught my kids about life?

life lessons

” Nothing great was ever achieved without enthusiasm.” Ralph Waldo Emerson. There are three greatest things to do in life- (marry a woman you love), have a kid (son), write a book, and plant a tree. The reason is simple, life is short, only these would outlive us and hopefully,… Continue Reading

Drgohhk Interview Series #2

Financial independence

 “More important than the how we achieve financial freedom, is the why. Find your reasons why you want to be free and wealthy.” –Robert Kiyosaki Welcome to drgohhk interview series #2, today I am happy to introduce to you Dr. Fiholic , a Malaysian doctor who is currently on his journey… Continue Reading

Covid-19 and 5 life lessons

covid-19 and 5 life lessons

“Life is inherently risky. There is only one big risk you should avoid at all costs, and that is the risk of doing nothing.” ―Denis Waitley Today marks the beginning of CMCO ( conditional movement control order) for most parts of Malaysia, I just couldn’t believe this Covid-19 pandemic has been… Continue Reading

Tiger Brokers Review ( Sponsored)

Tiger brokers in Malaysia

工欲善其事,必先利其器. To do a good job, an artisan needs the best tools.Good tools are prerequisite to the successful execution of a job As the saying goes, good tools are prerequisite to the successful execution of a job. Before embarking on your financial independence journey and buying your first ETF, you… Continue Reading

The big crash is coming, what’s next?

“An investment in knowledge pays the best interest.” – Benjamin Franklin There are two types of investors in this world, pessimistic and optimistic investors, no matter which type of investor you belong to, we all know the market is volatile. Experts anticipate another big crash is coming. As investors, we hope to… Continue Reading

Monthly Financial Update September 2020

OK, I made some changes in September 2020, I have switched the mobile package from Maxis to U-mobile. Yes, I finally gave up on Maxis after 25 years. By switching, I save about MYR 50 per month, that translates to MYR600 per year. So far I have no complaint about… Continue Reading