Writing this post after quite a debate on ILP on La Papillon's chatbox. Back in late 2010, when I was fresh to the stock market and unused yet to the intricacies of finance, I was approached at Harborfront MRT by one of those people who asked me whether I'd have time to fill up a survey form. I did, and this was how the saga panned out. The survey form has a few questions, some of which I could remember are: 1.) What is your monthly income? Isaac's Selection: $500 to $1000 ( I was an NSF at that time) 2.) Which banks do you use? Isaac's Selection: Citibank and POSB 3.) Are you aware that there are products out there with higher interest rates than what you can get in banks? Isaac's Selection: No At that point, the agent came out and did a sales pitch, ......