Time passes so fast.

The year is ending & 2015 is almost upon us. Time to review what I've done through this year. Nothing much.

I did go for a long long break & that was fun. Hope to go for another one next year. That's refreshing.

What's the best investment? You'll never regret if you invest in yourself !

What if you have no money for any major investment?

A house in a good location cost at least somewhere around $2million or more. You need at least $250,00- to buy a single bond. Blue chips the safest shares are all pretty expensive. Infact for most "good" investments, you need a sizeable capital.

Well for those of us who do not have a very healthy bank account , or rich families, I suggest we "invest in ourselves"

Yes, update the wardrobe- throw away all the old outdated clothes & shoes. Go for a course to upgrade. Get a second degree, a masters. Have a new look, cut or dye your hair. Ditch any friend who are leeches- you know what I mean...lol... at the same time stay away from negative ones. Do it for yourself! I'm taking a day off & Going to my hair-dresser, getting a pedicure than shopping. How about you ?