Its the 4th day of the circuit breaker, and the numbers are still increasing, however I believe it will take a week or so to fully see the effects of this circuit breaker if everybody do their part.

Now lets talk about savings vs investing. I have know quite a few friends that are real good savers. They have managed to save up large sum of money even as a student. However, when I bring up the topic of investing, most of them know nothing about it. All they know is that they prefer to keep their money in a savings account. They do not want to start investing as they have heard many stories of people losing their entire fortune in the stock and market and they do not know how to invest. For the very few that are investing, when I ask them more in depth about why they...