Hi peeps , ah boy is back with a bone to pick .... kidding la , i had my fill of bah kut teh liao (although hor on a side note, i'm still searching for a BKT that agrees totally with my palate....) The purpose of this post is to express some of my own points , the stuff below , please take it with a pinch of salt ah , don't take it to heart ah , in case i offend any of y'all , apologies in advance. See ,  quite a while back , very long ago actually ( the reason i chose to bring this out now is due to the similarity in the issue on hand) , be4 this article came out that Singapore's Fin-Lit(Financial Literacy) level has experienced the largest decline in APAC , the article can be found here . I asked a fellow ......