Hi, my name is Frugal in case you missed it. To me, a name is just some letters put together. A meaningful name is much better than a name with just letters.

Before I proceed, please note that on this site, you can read the articles written by my partner ML, as well as articles by guest writers on a regular basis or through special invitations.

I was born and raised in Asia, and came to United States in 1990s for my higher educations in the fields of engineering.

I drive a 1995 Toyota Camry, live in a small condo, wear shoes bought from Walmart, and shop mostly at Walmart, Target, or Costco.

In my spare time before I have kids, I used to play active sports and listen to music. My favoriate music is new age or instrumental music. If there is any extragavance about me, it’s my collection of some >300 new age music CDs. Some of the artists I listened to are Suzzane Ciani, Kevin Kern, 2002, Bernward Koch. I like Enya and Yanni too.

Now with two small kids, I spend majority of my spare time to give them a fun childhood, and plenty of learning on all kinds of matters.

Here are some posts that are pertinent to my personal financial history:

1. My first hard lesson on money
2. MyTwoMillionsAt28 dot com

You can click at the following links to listen to the samples from the best new age musicians:

1. Remembering the Light by Kevin Kern
2. China Roses by Enya
3. Mozart by Suzzane Ciani
4. Yearning by Bernward Koch
5. Bliss by 2002
6. Almost A Whisper by Yanni

---

Hi, this is ML, Frugal’s partner. I started my own blog in January 2006. Several months later, Frugal offered me a deal to be his partner which I couldn’t refuse. I started writing for www.1stmillionat33.com since October 2006.

My wife and I are in our early thirties. We live in the eastern part of US. We are also expecting (with some trepidation) our first baby, a girl, in February 2007. We both have good paying jobs, but live very much below our means. For example, I drive a 98 Mazda 626 bought with cash four years ago.

With the savings part down pat, our major financial goal is to invest wisely for the future. This is becoming increasingly important as our nest-egg grows in size: the annual investment gains rivals or exceeds the annual savings. That’s why the vast majority of my writings concern with portfolio management and timing.

It’s fair to describe my investing approach as eclectic: I combine both asset allocation and active management in my own accounts. I guess my lack of formal training in economics/finance has something to do with it — I don’t have any preconceived notions and am willing to try anything that works. You will find my views from both a macroeconomic and a technical perspective.

Please note that Frugal and I share some common long term perspectives but we each have distinct views. No discrepancy/agreement is ever planned.

My current economic outlook is on the bearish side, although I firmly believe it to be possible, as well as my duty, to provide for myself and my family with the proper investment stance. In that sense, I am an optimist. Yet, it’s still a learning process for me. The market has humbled me many times, and no doubt will again in the future. I’m slowing learning not to impose my will on the market, but to go with the flow. At any rate, this blog is about sharing my failures as well as successes, and above all, be honest to myself.

Outside of work and investments, I have an active life style. I look forward to playing tennis with my wife again after the baby.

— Sponsor’s Advertisement —
Online Casinos
— Sponsor’s Advertisement —