It has been a long while since I last updated my blog.  Work and family aside, the sole excuse is that I have been lazy and my brain juices have receded in depth, just like the Linggiu Reservoir in Johor [news].  I am facing a mental drought of topics to pen down. Nonetheless, like an ocean liner which has changed course by a few degrees, my wife and I have laid down certain plans that will dramatically alter how life turns out in the future. First up, my wife and I are on track to prepay $100,000 for our mortgage in August when the lockup period ends.  The money has been set aside and this is one load off my chest.  The remaining loan will be repriced with the same bank.  (We calculated that the interest saving isn't enough to cover the ......