It is heartening to see more and more youngsters to get their hands dirty early in Personal Finance, especially on the investment. With more and more relaxing rules and guidelines by our regulator (MAS) to encourage retail investors to join in the bandwagon (be it Stocks, ETFs, REITs or Bonds), I foresee that age profile of the retail investors will be getting younger and younger over the years. Personally, I am a late starter, very very late, to be exact, I only started stock investment a year ago. Anyway, I am a firm believer of "later better than never". Of course, the phenomenal effect of Compounding Effect is no longer at my side, I will just need to make do with whatever I've got left. Speaking of which, it triggers me to revisit my past and trying to uncover the reason why I did not get ......