The Market comes down a little on the last day of Sept. For the past few quarters I have been enjoying the bliss of cutting loss quicker and holding bull stocks longer. This is a rather fundamental change in my mental decision which takes a long time to overcome but necessary. So far, overall I have been right.Some of my actions I took is to clear LKH to focus on my portfolio better. I bought it this year in the hope there maybe some run up on property. It didn’t. A little gain from a small speculative position. Applied for SGS Bond last month due to significant excess cash in the bank and to build up additional buffer on my loan.

The drop in DOW on days before Fed announcement on rates help to push for no rate increase this time.The decision would have been otherwise has the …