I am back and HAPPY CHINESE NEW YEAR to everyone! Time flies, just back from my 10 days trip to Eastern Europe, covering 5 countries (Germany, Poland, Czech Republic, Hungary and Austria) and brief stop over at Slovakia for lunch. So, theoretically should be covering 6 countries. :-) It is winter at Europe and our first time experiencing the brain-freezing, limbs numbing sub-zero temperature (the lowest was -8%), which is no fun if you are outdoor for an extended hours. Overall, it was a great experience and we (me and my wife) thoroughly enjoyed the trip. There are a few take-away from this trip which I would like to share here...

1. Always do homework before the trip, even though it is a group tour. Just like in investment, even though you are going to invest in some unit trusts or ETF (which are supposed to be "managed" by the ...

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