I always say that I don't know everything there is to know. I am not humble. I am just being honest. I am also not a very good investor. Again, I am not humble. I am just being honest. So, when I get very difficult questions, I like to share the questions and hope that I will learn from other people who might have answers. Here is a message from a reader: Dear AK, Hope all is well with you. I attended the second chit chat session that you organised. If you remember, I was the one who asked you about Malaysian Ringgit. I had some back then and eventually I remitted it out to Sg in US$ as I hope I can make some forex gain eventually. If I were to ask any relationship managers what to invest in, they will advice that I buy products like ......