Gold & Silver

[11Aug14]The Importance of Cycles in the Investment Management Process (Part I of III)
[31Oct12]Some Incredible Gold Charts
[10Oct12]Putting the bull back into gold bullion
[04Sep12]Best time to purchase
Best time to buy Gold & Silver - Sept 2010


Based on the Almanac, the best time to buy gold is end July and sell it in end September.
Check the prices & graph out:

Gold Seasonal Trends – One Year Cycle (1974~2013)

Thackray's 2015 Investor's Guide

Interest rate & gold prices

Interest rate & gold prices

2012 Barron's Roundtable Report Card

What is an investor to do in the face of this unpleasant news?
I am sticking with my January recommendations. In the short-term, equity and commodity markets are making a low. They are oversold. The euro zone will come up with new quick fixes later this month and markets will attempt to rally. But I see a cyclical bear market continuing well into 2013.

I would hold lots of cash, preferably in U.S. dollars. While I expected Treasury yields to hit bottom in the fall, I would take some profits and not buy new bonds. Sell the rest in the fall, and use a stop-loss order to protect profits if you bought the 10-year when it was yielding 2.20% in January, as I recommended. Stick with Australian three-year government bond futures. This is a direct bet on China's weakening, and short-term rates could fall further. I also continue to recommend buying gold if it breaks below $1500. That could lead to a quick shakeout into the $1300s, but gold will offer protection in coming years because it is true money.

Click here for full article

Better World Books

You can buy cheap used books in BetterWorldBooks especially during their sale period. It has a worldwide free delivery and the company mission is really interesting.
Do you know there's a price difference in US and non-US? The price difference can be about 50%!
However, in order to see a US price, you need to be in US. One workaround is to use US proxy (not tested) or US VPN (tested).

Based on the price, I have tested US VPN from BestProxyAndVPN.com. It's the cheapest I can find; even cheaper than US proxy. It cost USD$1.99 for 1 week (I just need 1 day only).
Once registered, you can go to the BetterWorldBooks again and check out the price. The listed price should be halved.

And better yet, check out their monthly sale on the 3rd Thursday of the month. Click here for the countdown.... Every month is different.
On May 2012, I got 4 books for only USD$10 ($3 for each additional book). That is only $2.50 per book!
Note: This monthly sale is only applicable in US.

Dennis Ng's Secret Manual

http://www.secretmanualsofmillionaires.com/dennisng/private.html

SGD Bank Interest Rates

Current Interest Rates:

RHB Savings Account: 0.375%
RHB Trio Current Account: 0.48%; 0.58% (Next $5k)

OCBC NTUC-OCBC Starter Account: 0.20%
OCBC OCBC Bonus+: 0.20% + 0.35% = 0.55%

Maybank iSAVvy Savings Account: 0.30% (>$5k)

POSB / DBS Savings Account: 0.05%
POSB MySavings Account: 0.05% + 0.20% = 0.25%

Standard Chartered e$aver: 0.10% / XtraSaver: 0.05%

UOB Passbook Savings: 0.05%

Dental Crown

Basically there are 3 different types of dental crown:
1) Full Metal - Uses gold/other metals. Last longest, toughest & offer best fits but not so nice.
2) PFM (Porcelain Fused to Metal) - Uses porcelain on top and metal below. Last long, tough & looks nice with a slide metal below.
3) Full Ceramic - Uses ceramic/porcelain only. Not as strong as others but looks the best (most natural). Recommended for front tooth.

For crown treatment, 1st treatment cost KRW150,000.
The 2nd treatment depends on the type of crown used. PFM cost KRW350,000 and Z.R. (Ceramic) cost KRW500,000.

Links:
Dental-Picture-Show
Animated-teeth