2010 resolution

1. Go honeymoon and make baby (subject to further advice from Buddha)

2. To pass remaining 3 CLSB modules and get certified

3. Exercise twice a week at True Fitness club

4. Adjust biological clock & working hours - start & end my day earlier

5. Arrange 2 family trips - one with hubby's family and another one for my own family

6. Open joint account with hubby for which this account will serve as household reserve fund

7. Buy a flat (subject to reasonable COV)

8. Same investment plan as 2009 - blue chip stocks with potentially high capital gain/dividend payout

9. Save more $$$ at personal level- cut down unnecessary spending