Book of Wise Investors

This is a personal finance blog and since a personal computer is an indispensable tool nowadays, almost everyone needs to have a workable computer at any one time, it will be good to offer some personal opinions regarding PC purchase. Earlier I mentioned that the more economical life cycle for buying a personal computer is every 5 years and not 3 years, at least for the majority of us. The reason being that after the Pentium 4 generation, hardware technology advanced faster than software requirements, with the exception of first person shooter games that always require the latest…

There is a well known saying that time is money and when you save time, you save money. Due to the widespread uses of USB ports and USB devices nowadays, I think it is wise to have this post to alert readers to a potential way to save time and mental effort regarding a small little thing in life.

Again, unless you have been living under a rock, you would have use one USB device or another and often, such as flash drives, after using, often you have to stop the device before unplugging it from the USB ports. Failure…

After a long wait, Windows 7 is finally out for public purchase on 22 October 2009. For those with Windows XP who decides to continue using it because you have heard horrified stories about Vista and postpone the purchases of new personal computer, can now finally look forward to buying in a few months time.

First things first, I am not a fan of chasing technologies, wanting the latest Intel Pentium processors, running on the latest Microsoft Windows operation system. In fact, from the specifications of new computers that I observed, less than $1500 can buy you a…

Before you can do anything like buying insurance, investing in stocks and even ended up purchasing a house due to shotgun marriage; one does has to save first before accumulating investment capital.

Saving money is the beginning, not the end of the story in the quest towards financial freedom.

As a result, all of us need to know all the types of savings options available first, before having excess capital to invest in other financial instruments.

All liquid cash that you have are usually placed in following savings options.

How much to place depend on how much you have, needs…

There are only two possible outcomes in life, either you can well afford a car or you don’t. And either way, you need to learn driving – a Class 3 driving license.

A lot of people have the assumption that just because they don’t have money or cannot comfortably afford all the expenses associated with private ownership of cars, then should not waste money, time and effort in learning driving.

But that is wrong, if you belong to the second case, then you even need to learn driving as early as possible.

Allow me to explain.

Case 1

You can…