I’d say we have a younger crowd in the office. I am often consulted on things such as real estate or investment products. I was asked what I think of gold bullions for starters. It could be challenging but I think if you can find a very competent hard asset agent committed to serve your investment needs, then there’s nothing to worry about.

On another note, I had another migraine attack yesterday. It was because I forgot to drink coffee earlier that morning. So while office team mates were inviting for dinner, I suggested we eat at this Chinese restaurant where I usually drink the house tea. Tea has that calming effect on me. After dinner, one suggested we buy coffee. I was given a small cup of coffee and was surprised how strong it was. I was waiting for my migraine to subside but I couldn’t work anymore. I decided to take Advil. So I’m not really sure what helped me, the tea, the strong coffee or Advil. Maybe all three as I was even able to work when I got home.

Just recently, friends have invited us to join them in a trip to Macau, plus a side trip to Hong Kong. I hesitated because one, we have gone there twice. Two, we are saving for something. Three, husband and I agreed we’ll wait for our daughter’s 7th birthday for our next trip abroad. Sounds a bit harsh huh? Hahaha. I know we really won’t be able to stick to this agreement but at least we’re trying.

Yes, I would love to come back to Macau and for the husband to finally bungee jump. I would take more photos of the amphitheatre (day and night) and of our daughter whom I wish won’t be as camera-shy anymore. I would also like to go back to Hong Kong and re-visit Ocean Park. I also plan to eat authentic Chinese food again. And I would love to buy some gold coins in the area. Since you’re in HK, why not combine the leisure trip with business? As we all know, investing in gold is one way of preserving wealth and purchasing power. Great plan yes, but I declined my friend’s invitation. Sticking with my 3 reasons.

Sometimes, I wonder how some people can save so much, and can retire in their forties and live comfortably. Some have lived frugally and saved early on, from their very first paycheck to last. Someone even wrote a book on this, save a dollar a day and sure, you’ll retire as a millionaire.

Some save, but some take a further step, they invest some of their savings. Whether one decides to invest on real estate or to buy gold bullions, careful and thorough research and analysis is needed. Buying gold is one of the most trusted long-term investments in the industry. Now is simply the best time to buy.

Whenever we reach the last quarter of a year, one always looks back to what he has so far accomplished with the current year. It then becomes a struggle to work on goals he wants to meet before the year ends. The recession in the US maybe over, but life for families will take years to get back to normal, as they are just rebuilding their lives again.

One thing has changed though – the ability of people to invest their money on the stock market. It is the current trend to invest on gold as they are very liquid assets and do not depreciate over time. You can buy yours at the Monex Deposit Company (MDC today).

This morning, I read that in order to stay financially healthy is to make sure you are paying only 28% or less of your monthly income for your monthly home mortgage. It’s just one of the five things to take note of. The other one is to have at least 5% of your income go into your savings including investments such as stock options.

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While women love collecting jewelry, some men are into collecting coins as another form of investment. Coins, like jewelry, increase their value over time. This is one way to preserve and increase family wealth. And you can pass them on from one generation to another.

There are several choices in metal collection. Silver has proven to be an industrial commodity over the years, thus making it an investment opportunity. You might be surprised to know the silver price at Monex is one of the most competitive ones you’ll see in the market. Check their website to talk to an account representative or to see live prices.