I am planning to go to Penang to visit friends and relatives after Chinese lunar New year. spending other holidays in Singapore with friends and loved ones. New year's resolution to do more exercises and stop hoarding stuffs.

over the years I have done dollar averaging. so far most shares I have on average have a positive return. but most important must buy the correct potential company. lost big buying on rumours

in Singapore, we already have the 7th month

yes

DBS below 30, UOB below 35, OCBC below 11, Malaysia successful, Singapore successful