Hi all, Sorry for the long absent. Being a dad now to a 3 month old new born, time is probably one of the most precious resource now and in future. Taking on a new job for the last 4 months has also been quite tough. You realize, again, that it is hard to make everyone happy. When you constantly hit a brick wall at work, you will be amazed at how fast the "fire in the belly" get extinguish. With those thoughts, you start to question what do you want to achieved in life? Especially with the T.U.B Investing blog and Fundamental Scorecard. To be honest, I am just an ordinary folk who works a 8 to 6 job and hope to win Toto every single week. I am not a wealthy nor a rich folk and I stay in a four room flat like you. I take the MRT to work and do...