Should I buy that nice little dress/gadget ?

You may think the $1 spent is the same $1 earned. Its really NOT ! One of the fundamental flaws human cannot control their own spending habits is because they DO NOT UNDERSTAND the value of money at the first place. The $1 spent could be equivalent to as much as $7-$10 earning !!For example if you earn $4,000 a month and you manage to save $400 every month. By year end you would have saved aside...

Economy Politic Finance Quadrant

There are 2 BIG main external factors affecting our investment decisionsEconomyPoliticWhen the time is really bad (economy downturn and politically unstable), its best to park your money under something that is really stable, ie Gold. Which is by definition usable anywhere you go in anytime.When its good time, invest direct to the stock market would yield very good return.When the economy is not...