We are coming to the last week of the 3rd Quarter and soon we are heading to the last quarter of 2018. Like last year, and the year before last, and the year before last last year (I think you get what I mean), we are living with hits and misses every single year. I am not only talking about your personal finance or your investment but rather life in general. We are deemed growing only if we learn/do something new, otherwise, we are just passing the time with repetitive daily routines. So, it is important to have regular breakthroughs in experiencing new things (of course I am referring to something legal and morally right). Today, I "conquered" our highest Bukit Timah Summit for the second time and it's a breakthrough to me. Wait! why is second time still a breakthrough? You see, this time round, we trekked with ......