Coming to a 2015 close

Yeah. Another year. Another life. The past have to be gone before a new year come with new hope, new spirit and a new beginning. It is strange why we use one year to measure our achievement instead of one month or six months of each day. Perhaps, it is a reasonable time for a self check. The past one year for me have been quite peaceful with substantial amount of traveling. I have been to Bangladesh for 7 times, I think and each time is abit harder now. My body needs a longer period of time to recuperate. Aging is catching up. I could feel the strains and the aches in my body after each traveling. It is a natural progression. Well, on investment, it is abit tight and the returns is not si fast anymore as the economy turn for the worst and the cost of living have been going sky high and banks have cut back their credit lending especially on the property sector. Furthermore, there is a glut on the housing sector in Penang. Things was not so good on the investment side. Looking at the scenario, there is prediction that 2016 would be worst then 2015 and it has be bad or worst before it gets better. With China's economy falling flat, EU starting to recover , Japan still struggling with inflation and dragging down their Asian neighbours and USA is the only one keep standing but for how long nobody knows. It is very one's guess how the global economy will recover or the risk appetite coming back. So, lets prepare for the worst and what goes down will come up or goes up will come down. It depends on how you look at it. Namaste.