Just to clear all my thoughts and ideas before the exams...

** Replace the "you" with "we" or "us"**

1. When you're just into a relationship, please argue and scold the other party when you know that you're right. After stabilising the relationship, try to replace the argument and scolding with understanding the other person's point of view.

My reason is simple : Those who cannot come to understand and accept you initially does not love you.

2. Most of the times when you're being captured by a camera, you'll feel that somehow you don't look good in the camera. Don't worry. You're on the right track. It shows that you do have certain confidence in your looks and you portray your confidence when you're looking at the mirror. The camera doesn't capture your perception/confidence of how good looking you are.

To prove my point : Ask those around you whether do they think you look different comparing the photos taken of you and the real you.

Of course, there are gifted photographers who are able to capture peoples' feelings. Hmm... please be confident before letting them to capture you using their lens... if not you'll have a nightmare LOL...

3. A monetary gain by one means a loss for the other party. Do not then spend unneccessarily (even though you may have legally earn it) cause the other party may need the money more than you do.

4. STI is at 1600 as of today. If i am to state now that the stock market will "close down prematurely", i supposed no one will believe me.

There had been reports stating about the paper losses that the richest in Singapore faced. But their actual assests havent been dropping by much. This was because the prices of their companies stock doesn't determine their assests value.

Moreover, the current stock prices does not reflect the true value of the companies, it is merely the (a) LAST DONE PRICE of the stock that has been exchanged (buy/sell) by two parties. If the sellers dont sell, there is no way that the prices of the stock will drop. Most of the investors know or have been taught that investing is for long term and one shouldn't sell during a crash (cause history had proven that the stock market will rebound). But history is history. We (b) shouldn't use the speed of growth after world war 2 and assume that we'll still grow at that rate.

The scary thing is, the LAST DONE PRICE (c) can be easily manipulated with just two super rich guys in the market (or two government investment institutions)! Even with the (d) closure of the stock market, companies can still operate. And when it closes, it doesn't matter when you could have hold on the stocks for another 50 years, cause they will just give you a payout equivalent to the last done price.

Some will argue saying that you'll find bargains during the current crisis, buying in undervalued stocks. Don't do so unless you have the capital of buying enough to be a major stockholder in the company like Warrent Buffett. What if the prices of the future stocks don't move at all? What if the stock market simply closes? A more possible scenario will be the freezing of the stock market infinitely.

Don't assume that it'll never happen. There's always a first time for everything.

And thus "investing" in stocks is a gamble, a much bigger gamble than what you think you'll be facing.

5. Lastly, have anyone of you thought of how to safeguard your assests and money in times of war? If you have no plans, whatever you have now, will just disappear...

You can't be possibly thinking that D bank will be giving your money back to you in times of war... what are the chances that you'll still have your money after the war when all the buildings are razed?

Don't forget, even today when we're living peacefully, busying with your own stuffs, handling your own problems, they might not even have enough paper notes with them if all of us are to withdraw our money.

Banks in sound shape? That's what the MAS said... But then to use the financial statements of the banks (a piece of paper/or many pieces of paper) as an assurance???

So... think of where to place your money and how you can survive without it...