It’s the time of the year again. Days to a new year. And here we are. Time really flies and in a blink of an eye, I will be leaving the 1X world, moving to the next digit of my life – 20.

Before I continue, I would like to take this opportunity to thank my readers for the kind words, lessons and compliments for the past months as well as the wise seniors in the local blogsmophere that is providing me with insightful learning through their blog post and comments.

Caution: Very lengthy post.

Portfolio Review of 2017:
Last week, I have done a review on my portfolio performance this far. Nothing impressive. But this practical lesson had provided me with several valuable experiences. Knowing that my performance is heavily dependent on my “homework”, this triggers the learning devil inside me to explore and consistently find out more.

For this year, I’ve set a