As we all know, 2009 would be a slow down in economic businesses. Some even say that in this situation, there is no impact. Some, proudly mention that this is just impacted only those who lost their job. Hey!! What makes your head thinks that as long you have a job and salary going into you bank account, then there is no need to take some precaution?? I guess, there are some out there who is still dreaming and not knowing exactly what would the 2009 be. Economy downturn will have impact to everyone directly or indirectly. Why? Well, food price will goes up, everything will go up. Crime rate may also increase. Recently, newspaper mention that there might be 45,000 people jobless after the chinese new year. You still think there is not impact? Let me put it in one scenario. What if 1 of the 45,000 people decided to do anything for living. This includes stealing, robbing, bla bla... And what if the house he/she targetting is your house? Will it still not having any impact on you? Or what ...