Time passes very quickly and before we know it we are already in the final month of the year. It has been a love hate experience this year with Covid restricting the ability for most of us to travel and reunite with some of our families who are overseas. I was originally scheduled to return back to visit my parents but due to circumstances and the new Omicron variant, it makes the visit an uphill task to battle (despite the announcement of VTL). Nevertheless, December is usually a month where I take it easy with my work so subsequently I am also on leave to take a break until the 3rd week of December where I will resume work. From an investment front, I have received tons of messages across my email and comments section especially after a few companies have reported their earnings. Most of the messages were concerns and worries with the overall market in...