I received a call from a fellow OFW in Singapore on a rainy midnight just the other day. I'm sleepy already but there's an urgency on his voice. He asked me "Where can I invest?" Not so many friends ask me regarding this question, So I decided to get out of bed and made sure to give time to talk to him regarding the matter. I told him before we proceed, I need to  ask him few questions first, and he agreed.