Happy CNY and Valentine's Day to everyone! The monthly update took much longer because Baby Ong fell really sick and I was thinking of taking a break from blogging. She started having running nose and fever the night before the eve of CNY. We ART-ed her the next morning (fortunately it was negative/less headache) and quickly brought her to see a PD before the PHs. She kept waking up in the middle of the night and we barely had much sleep. When she was recovering, it spread to both of us and we fell sick too >.<" As for myself, I feel that I am constantly not having enough time and our portfolio has grown so much that it might no longer be realistic/motivating for our readers. Anyway, I will be changing the format slightly to focus more on our passive income given that CZM has tendered and will be retiring early. lol....