Milestones of Master Chee...

Just had a wonderful 5 Day 4 Nights experience in Quantum of the Seas with Royal Caribbean cruise from 21 Oct 2021 to 25 Oct 2021. Although there were covid social distancing restrictions, it also was a less crowded ship than expected. The customer service was excellent as there were many staff to attend to the needs of fewer people. Activities were lesser than expected as I think it was the covid period and some activities were cancelled. However, there were still sufficient activities to play and relax with, throughout all 4 nights. I was entertained by the musicians and stage performancers throughout the cruise, had an on par experience with the onboard staff lessons and competitions provided in the activity. Didn't do much shopping to comment. Ship was mostly tidy and clean, staff members were prim and proper. Made a few friendly connections and had some memorable experience in the process.  I have documented down my intinary below: Day 1: Check in Teabreak at lvl winjammer Din...

I used to believe that financial consultants offer financial advice well. But throughout my life experience, I realized that it is not nesscessary so.  Financial Advice does not nesscessary come from Financial Consultants. Especially young financial consultants in their 20s, who are still trying the grasp their sudden boost in paycheck. Unknowingly, they might develop bad financial habits themselves. Ironically.  (Disclaimer. I am not trying to blast down financial consultants with this post, so calm down. I only have the intention to educate about general financial advice)  I have come across enough forms of financial advices and even went for financial consultancy examinations before. I want to humbly say, I might be able to educate you on this subject of financial advice.  Seeking financial advice is what from my experience, generally a tough task. Personal finance is a very touchy subject. A few people are willing to declare their expenses and savings face to fac...