Genting Dec 2023 with family

 We went to Genting Dec 2023 with family.

Cruise 2023 Dec

 Going to Cruise for 4 days 3 nights. 

Matel Playhouse in 2023

 We went to Matel Playhouse in 2023 at Marina Square. 

Olympics Dream. What sport could a person in 40s and 50s do to make it in the Olympic?

While the majority of Olympic athletes tend to be younger, there are several sports where individuals in their 40s and 50s have succeeded at the highest level. These sports often emphasize skill, experience, and endurance over raw physical prowess. Here are some sports where older athletes have had success:

Equestrian

• Description: Equestrian events (dressage, eventing, and show jumping) are known for having older competitors. Skill, experience, and a strong bond with the horse are crucial.
• Examples: Riders like Ian Millar (Canada) and Mary Hanna (Australia) have competed well into their 60s.

Shooting

• Description: Sports like rifle, pistol, and shotgun shooting require steady hands, sharp focus, and experience.
• Examples: Oscar Swahn (Sweden) won a silver medal at the age of 72, and Kim Rhode (USA) continues to compete in her 40s.

Archery

• Description: Similar to shooting, archery requires precision, control, and mental strength.
• Examples: Hubert Van Innis (Belgium) won medals in his 40s and 50s.

Sailing

• Description: Sailing is a strategic sport that benefits from experience and knowledge of weather and sea conditions.
• Examples: Santiago Lange (Argentina) won gold at age 54 in the 2016 Olympics.

Curling

• Description: Curling, included in the Winter Olympics, relies on strategy, precision, and teamwork.
• Examples: Older athletes often participate in curling, with many competing at high levels in their 40s and beyond.

Golf

• Description: Golf returned to the Olympics in 2016. It's a sport where experience and skill are key.
• Examples: Golfers like Bernhard Langer and Tom Watson have remained competitive at older ages.

Marathon Swimming

• Description: Long-distance swimming requires endurance, strategy, and mental toughness.
• Examples: Some marathon swimmers have competed in their 40s.

Table Tennis

• Description: While often dominated by younger players, table tennis can see older athletes succeed due to skill and experience.
• Examples: Ni Xialian (Luxembourg) competed in the 2020 Olympics at age 58.

Canoe/Kayak

• Description: Canoe and kayak sprint and slalom events require strength, technique, and experience.
• Examples: Some athletes continue to compete in their 40s, especially in the more endurance-based events.

Considerations

1. Physical Condition: Ensure you are in excellent physical condition and can handle the demands of the sport.
2. Training: Be prepared to commit to intensive training and possibly start from a beginner level.
3. Coaching: Work with a coach who has experience training older athletes.
4. Competitions: Gain experience by participating in local, national, and international competitions.
5. Health: Regular medical check-ups and injury prevention strategies are crucial.

Achieving an Olympic dream in your 40s or 50s is challenging but not impossible. Choosing the right sport and committing to rigorous training and competition can make this dream a reality

Stock market has dropped 8%, is it a good time to buy?

Deciding whether to add equity after a significant market drop depends on several factors, including your investment goals, risk tolerance, time horizon, and the reasons behind the market decline. Here are some considerations to help you make an informed decision:

1. Market Conditions: Understand why the market has fallen. Is it due to broader economic issues, geopolitical events, or specific sector problems? If the decline is due to short-term events, it might present a buying opportunity. However, if it's due to long-term structural issues, caution is warranted. I believe it has to do with the ongoing wars of Israel and Ukraine. 

2. Investment Horizon: If you have a long-term investment horizon, temporary market declines can be good buying opportunities. Over time, markets tend to recover and grow, so buying during dips can enhance long-term returns. It is a good time to add some equity

3. Risk Tolerance: Assess your risk tolerance. If you are comfortable with potential short-term losses and volatility, adding equity might be suitable. However, if market drops cause significant stress or financial strain, it might be better to wait.

4. Diversification: Ensure your portfolio is well-diversified. Adding equity during a downturn should be part of a broader strategy that balances different asset classes and sectors. Don't go all in. 

5. Financial Situation: Consider your current financial situation and any upcoming needs for liquidity. Ensure you have an emergency fund and aren't investing money you might need in the short term.

6. Valuations: Look at the valuations of the stocks or sectors you are considering. If they are undervalued compared to historical averages, it might be a good opportunity.

7. Dollar-Cost Averaging: This strategy involves investing a fixed amount regularly, regardless of market conditions. It can help reduce the impact of volatility and avoid the risk of investing a lump sum at a market peak.

Ultimately, timing the market perfectly is challenging. A disciplined, long-term investment strategy that aligns with your financial goals and risk tolerance is usually more effective than trying to time short-term market movements