Life is like a journey. When we're born, we were raised up by our parents and take up the role as babies for the first few years. For the next decade, we assume the role as students and go to school, do home work plus sit for exams. After we graduate from school, we start our journey in the corporate world and work for the next 30-40 years before retiring at the end. I'm sure most of you are familiar with the situation i've just described. Some of you may still be students, some of you have just started working while some of you may already be in your retirement years. Life seems like a cycle. It begins and it will end one day. However, in the midst of it, there are important decisions which we have to make. These decisions are important as they are big ......