My younger sister advises me to invest in silver or gold coins if I have spare money in hand.

According to her, now is the best time to buy silver bullion. As the world demand for silver has already exceeded the annual production and will keep on increasing while the supply for silver bullion is on the decrease, it’s wise to buy silver coins to keep.

Too bad that I am in the midst of saving extra money as emergency funds, otherwise, I will consider sharing with my sister.

It’s important for me to have enough emergency funds before I can think of any investment.

Oh, no! Four mosquito bites on my left thigh and five on my right thigh now.

There are so many mosquitoes in the living room but I can’t do anything now.

Nowadays, mosquito coils and repellents don’t work anymore. The only way I can kill the mosquitoes is using the mosquito zapper.

Too bad that it’s run of battery and is being recharged now. I just need to wait for ten more minutes for the payback time.

I have asked hubby to check if his credit card points are enough to redeem 2 free-night stay at the San Diego hotel.

With weakening economy and looming recession, I think this is the best way for hubby and I to enjoy a holiday without spending much money or breaking our savings account.

If I get to go to San Diego this time, I want a trip to the San Diego Zoo. A trip to the San Diego Zoo is likened to a trip to the African Rain Forest, the Arctic Tundra and a chance to see the natural habitats of some 4,000 animals and 800 different species living among the finest collection of plants in the world.

Last year, I suggested my sister and her hubby to have their honeymoon at one of Karisma’s five signature resorts, El Dorado Seaside Suites.

They enjoyed their stay there very much. Until now, they always tell me how romantic it is to lie on a beach bed with retractable curtains for impromptu moments of ocean-view intimacy; have hot bath in hot tubs; and sip sunset margaritas served by a beach butler on a private stretch of sand.

This year, they are planning to bring their one-year old son for a family vacation at Azul Beach Hotel Resort.

The fact that the resort is equipped with strollers, cribs, baby milk heaters, water vaporizers and refrigerators for milk and medicines prompts the couple to decide on this resort for the family vacation.

How am I doing with my free debt management program? Well, great.

I have been able to make the repayment on time month after month, thanks to my online income and tuition fees.

Because of this debt management plan too, I am less stressed out and have more time to enjoy my life.

I can also pamper myself with acne or body massage treatments once in a while.

Do you know that now is the right time to buy cheap properties?

According to my buddy who loves investing in real estate and rental properties, now is the right time to buy as the property prices have sunk to the bottom.

Well, it’s easy for her. She has cash in hand. Cash is king now.

She says that she is ready to invest in a piece of Wilmington NC real estate land once her husband banks in a chunk of rentals into her bank account.