Today is National Day. As a Singapore citizen, here is my birthday wish list:

1. That the recession will end and that those jobless can find a good job (not just any job)
2. That Singapore citizens will take more responsibility in their finances
3. MAS will have a new heart to really take care of the financial industry & ban commissions altogether and
4. All my fellow colleagues in the entire industry will be liberated from the bondage of needing to sell products of no value to their customers.