"I took my suppliers out for an event and i spent $XX,000 on my XXX credit card...." says my wife. Discontent immediately filled me and i retorted " Why didn't you use the YYY credit card, i painstakingly labelled the cards for each specific purpose, you have basically lost many krisflyer miles, enough to take a free saver ,return business class to New York!" "You shut up! You lost many multiples more in Hyflux!...." . With that, i retreated into my Man-Cave.....knowing full well i could never raise my head up high in this household again, unless of course, i got back my money. My ever faithful three-year old wingman followed me behind. Disclaimer: I am not an investment advisor. Heck, i am not even working in the financial industry. Below are my interpretation and i am grateful if you will let me know if anything i ......