2020 has became the toughest year to live in human history. Virtually everything has changed from the way we work, to the way we shop and the way we could travel. Investing will become the toughest as we brace for a longer depression happening in the economy which means stock prices could take very long to recover. I was looking at Singapore's GDP forecast by MTI and things don't look rosy at all. Many of you may have lost your job or have your pay cut and bonuses cut too. Those working in hospitality related sectors such as hotels, attractions and those doing events or in the entertainment industry will be affected the most. Singapore's unemployment numbers have not moved up much due to the many temporarily jobs created by the government. This has enabled people to continue earning some money even though their salary may not be as high as what they would have got before they were retrenched....