Time flies, we are now in the month of November and 2018 will end in 2 months times. My friends and I were still talking about how we spend our new year this year at Changi Village with all the fireworks display and all. Time sure flies especially when we are young. For my portfolio so far, it is down 13% so far without including dividends. Of course, during this period, many stocks have a attractive prices and I am tempted to get more. But due to a shortage of funds in my war chest, I will not be buying anymore. Many people have wrote and mentioned that this will not be the lowest, there will be more uncertainty in next year markets as the US-China trade war impacts really hit Singapore. You can read more on this article.  Over this period, I have realised the importance of dividends. It .....