A letter for me from my future 80 year old self

“Old age is the most unexpected of all things that happen to a man. “-Leon Trotsky I always wonder what I would say to my current self 35 years from now. Am I happy with my life at this moment? Should I change the way I live my life ?…

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How to be happy in life?

person riding kayak

“Sometimes your joy is the source of your smile, but sometimes your smile can be the source of your joy.”-Thich Nhat Hanh How to be happy in life? Having lived half of my life ( hopefully), I always wonder what is the single most important ingredient to live a happy… Continue Reading

Introduction to ETFs Investing for Asians

person holding blue ballpoint pen on white notebook

“Those of you who make investments outside of any retirement accounts are absolutely crazy if you are using actively managed funds rather than ETFs.” – Suze Orman I was once a strong believer of property investment. I was once believed with my heart that I could time the market and pick… Continue Reading

Physicians’ Untold Stories #9- Good Night Malaysia

“You see, this is the thing about this world. When it comes to politicians, people always forget.” It is my privilege to introduce to you Dr. Syed Faisal again, he wrote about his experience in tackling Covid 19 pandemic in his hospital HERE. I am happy he allows me to… Continue Reading

How to take back USD from IBKR during retirement?

move back USD in ibkr to Malaysia

“Plans are of little importance, but planning is essential.” ― Winston Churchill, former British Prime Minister Recently I received an email from a reader asking me about my plan after retirement. Since all my investments are in USD ( in IBKR) and SGD ( in Singapore bank account), how do I… Continue Reading

Physicians’ Untold Stories #8

photo of woman wearing protective goggles and mask

 “Let the young know they will never find a more interesting, more instructive book than the patient himself.”—Giorgio Baglivi You can read the previous entry of Physicians’ untold stories HERE. This post was written in support of Malaysian Code black movement. The year 2001, December After saving MYR5000 working as… Continue Reading

How to use Instarem to fund IBKR from Malaysia

I talked about how to use Wise ( previously TransferWise) to fund your IBKR account HERE and HERE. Long ago, I found that the exchange rate was always slightly better for Wise than Instarem. Therefore, I encourage my readers to use Wise to fund their brokerage accounts (IBKR) to buy… Continue Reading

5 money advice you should know by 20

“The more your money works for you, the less you have to work for money.” When I started working part time when I was 10 years old, I was given about MYR0.50-MYR 1 by my uncle and grandfather. My grandfather was a coconut and cocoa bean planter. He owned a… Continue Reading

You change more than you can imagine!

“Everyone thinks of changing the world, but no one thinks of changing himself.” ― Leo Tolstoy I grew up always hoping I could become a scientist, a famous physicist who could change the world by proposing a powerful theory like Relativity. Quantum physics intrigued me during my childhood. My life mission… Continue Reading

Physicians’ Untold Stories #7

Physicians’ Untold Stories #2

“Believe in your heart that you’re meant to live a life full of passion, purpose, magic and miracles.” Roy T Bennett This post first appeared in my Facebook HERE. You can read the previous entry of physicians’ untold stories HERE. Miracles in Life The Year 2016 This is the third… Continue Reading