Born in Malacca & early student days in Malacca High School. Studied at Taylor's College & later at Monash University in Clayton, Melbourne.Had early many years of experience in handling the accounting, finance & administration of various types of companies, locally & foreign-owned in Malaysia & a short stint in Australia. Variety experience thereafter (since 9.9.1999) in financial planning services, starting in Estate Planning service (as in Will Writing), then in Investment Planning by being authorised in dealing of Unit Trust investment to the public, certified in 2002 as a Certified Financial Planner through FPAM, became consultant on 3.3.2003 in Land investment (for Walton International) & then negotiator in Real Estate (through Reapfield).Presently, focusing on Oil Palm Plantation investment - a Wealth Creation opportunity.