100% Kelly

I made sure that I get to spend at least one day of shopping during our trip to Hong Kong. You may remember that during our Singapore trip last year, I barely got to go around and spend quality shopping time for myself . I (and Gats) knew that with a toddler [...]

We’ve been paying amortization (mortgage) for our condo for the past three years now and we can honestly say that its not so harsh on our wallets as we initially imagine it would. Three years ago, rates were a high 12%. Now its somewhere between 7% to 8% — there are lower [...]