Friend, sighing, "I should have listened to you." AK, "Huh?" Friend, "I finally surrendered my PruLink policy." AK, "Oh, congratulations!" Friend, "Congratulate what lah? I put in total of $29,000 since 1996. Every year put in money. 20 years and I took back less than that! I lost money!" AK felt like saying "I told you so" but AK kept quiet. Friend, "Leave money in the bank or fixed deposit also better. Should have terminated long ago. My agent told me to continue paying for another few years and maybe it will make money. Stupid, right?" AK, "Er... Ahem..." Friend, "I still remember you said to terminate and put the money in my CPF-SA. How much would I have now if I did that?" AK, "Well, I don't think you want to know..." Friend, hesitating, "Ya, you are probably right. Haiz. Sad lah." My dear readers, are you curious? If my friend had placed the yearly ......