Financial experts say that in about five to ten years, the cost of living would have doubled, given the never-ending rise on commodities these days without subsequent raises on people’s salaries. It would be a very big economic problem and experts are at a loss on how to control what would be a major headache in the years to come.

Consumers are sensing this problem so they are diversifying their savings and investing them on different markets. After the traumatizing economic downfall of the stock markets last year, most people have learned not to “put all their eggs in one basket”. Now is the right time to buy gold bullion, it has been a wise investment a long time ago but the market has been picking up this trend. Gold has been known as the only commodity that has never depreciated in value, that’s why!

A few friends invested what they have earned from their online writing gigs on food stalls. Surprisingly, it did very well so what they are doing now is expanding. Expansion has been very stressful and taxing for them as money has been flying out the window as fast as it can. They recently hired a Las Vegas accounting firm to help them account every single penny they have been earning and it has helped a lot. Bookkeeping has not been one of my friend’s strongest points so spending money for competent people to track down her expenses was one of her wisest investments so far.

With the recession in the US being far from over, people are looking for alternative ways  where to invest their hard-earned money. Sometimes, just saving it in the bank won’t cut it anymore. Mutual funds are a bit risky. There have been suggestions lately that investing on gold would be wise. If you buy gold coins it is said to be very liquid, with a market so reliable. With mutual funds you are likely to get tied down as compared to when you buy gold bullion.

Gold can be bought in bullion form, very much like the coins in the currency market. To buy bullion, you need to make sure you are buying from a reputable company like Gold Coins Gain. When you purchase gold bullions, you are most likely to add stability to your portfolio, thereby substantially helping  offset market fluctuations and reducing the volatility of one’s own portfolio.

I have been mentioning it many times on my blogs before – Id love for us to have a car. It has escalated from a want to a need for us given that we live in the province where everything is 30 minutes away from everything We have an old jeep we use but it really is not safe as it is open. It is getting chilly and colder here so we need to be inside the house once 7PM hits or even jackets and bonnets will not be enough to keep us warm. There is good news though – with the continuous lowering of the price of gasoline, the husband can now use the 4×4 of his Dad during the weekends. We are still hoping for our own but not until he gets one from his company, I don’t think we can afford to get a new one. Anyway, the husband is very optimistic that he will get promoted and transferred to our area by next January so we might be getting one (crossing our fingers!).With their line of work, I’m quite disappointed a car plan is not even given as a benefit right on. A Car allowance program plan should do the trick for their company. It will allow them to get cars for their employees without having to shell out much money.

I am quite familiar with vehicle reimbursement programs. The company I have worked for for five years offered it to its top-level employees – managers, trainers, and executives. The Fleet program is actually a merit (reward) and tenure benefit. Once you reach a certain tenure in the company (for us it was only 7 years since our industry, the BPO industry, has a high fall-out and pirate rate) and if at that tenure, you have been appraised outstanding by your manager (next level person you report to) with two promotions or three step-level promotion, you are entitled to a car.

Now the car model will be up to you. They have different budgets for different levels of employees. You can give them the car model, they will buy it for you (they sometimes have preferred models) or you take the cash, get a loan to add to the lump sum you got, and buy one. All the lump sum needs to be paid back by tenure of service again. If you stay at the company for 10 years, the car (money) is yours. If you decide to take it out your pay to be safe, the car allowance allotted to your salary will cover that.

We got the best HR Benefits Department I tell you.