SHARING WHY I CHOOSE PUBLIC GOLD (PART 11 TO PART 20)

#SharingWhyIChoosePublicGold
#StartAsSmallAsRM100Or1gMonthly
Part 11...

Financial education is not explicitly taught in schools. Our parents don't have the knowledge and impart hearsays to us. It is learned through our mistakes (sooner made, sooner learned..in my case 😂).

Even among our own friends, money manangement has the same status as sex education. Those who know may not be willing to share what they know. Not many are like Hafizul Hakim who shares openly about this in the social media. I have never met him but I have learned a lot from what he has shared. He is way younger than me but in the case of financial education, I am NOT "wiser" just because of my age.

Learning is a lifetime venture. Taking this financial education into your own hands is your first step towards a better retirement life.

Barbara anak Sian
PG00177435
Authorized Dealer
Public Gold

#SharingWhyIChoosePublicGold
#StartAsSmallAsRM100Or1gMonthly
Part 12...

RM100 is 0.5168 grams of 999.9 (24 karat) gold. This is the lowest you can set aside either monthly or intermittently according to your own best needs. Gold does not rot if kept for long..instead the value increases with time.

Compare with this..👇

RM3.80 kolo mee x 5 days x 4 to 5 weeks = RM76 to RM95. Kolo mee disappears after 10 to 15 minutes.

Never underestimate someone's ability to save just because his/her wage is smaller than yours.😃

Barbara anak Sian
PG00177435
Authorized Dealer
Public Gold

#SharingWhyIChoosePublicGold

#StartAsSmallAsRM100Or1gMonthly

Part 13...

Since I started sharing about Public Gold products, several individuals have inquired further. I shared some reading materials which were shared by Hafizul Hakim for his mentees. A few actually braved it out and opened their GAP accounts and their kids'.💪💪💪

Frankly, I don't lose if nobody signs up. But at least, they get to read and start thinking about the importance of gold savings. And to tell you the truth, not every dealer gets a mentor as selfless as him! Those who don't, have to attend weekly lessons to get the additional information and guidance. 😐

So, if you want to get maximum input to produce maximum output, keep in touch. 😉

Barbara anak Sian

PG00177435

Authorized Dealer

Public Gold

0168980629

#SharingWhyIChoosePublicGold
#StartAsSmallAsRM100Or1gMonthly
Part 14...

With the gold price going down the past few days, many should be considering buying. According to the trend, after a short plunge...it would later show a steady upward trend.

For me, it is better to START buying ANYTIME. Once you have made that first deposit, you would be actively (and creatively, right Sandra Hidi?) thinking about how to top up while monitoring the price daily!😂😂😂

Need help?

Barbara anak Sian
PG00177435
Authorized Dealer
Public Gold
0168980629

#SharingWhyIChoosePublicGold
#StartAsSmallAsRM100Or1gMonthly
Part 15...

The way my husband and I look at life are totally different. I never aimed to be rich (still don't). I am contented with enough. Whatever extra I get, I spend on other people (no need to mention who or where).
And I am ok with getting whatever I would get from my pension later as long as the kids are done with schooling and have started working.😎

My husband had earlier on in our marriage told me that he aimed to retire at 45 with a sizeable retirement fund to sustain him (he is in the private sector). When we came out of the operation theatre after my csection and BTL, I teased him gently..."Looks like you have to postpone that retirement until much later ehhh?"😂😂

Having Yaya while we were both 41 made us review our retirement plans. How about you?

Barbara anak Sian
PG00177435
Authorized Dealer
Public Gold
0168980629

#SharingWhyIChoosePublicGold

#StartAsSmallAsRM100Or1gMonthly

Part 16...

Besides establishing that retirement fund (long term goal), I have a medium term goal and a short term one too. 

For some, the short term goal maybe for the church building fund (that's needed by our #StFrancisChurch now)...a family vacation...a second honeymoon trip or a kitchen extension! A medium term goal can be a downpayment for that second house...a land plot...or a shoplot! Obviously, most would want a sustainable retirement fund as a long term goal! 😂😂😂

Which one is yours? 😉

Barbara anak Sian

PG00177435

Authorized Dealer

Public Gold

0168980629

#SharingWhyIChoosePublicGold

#StartAsSmallAsRM100Or1gMonthly

Part 17...

Our 2 older boys (in boarding schools) are given an allowance of RM250 each monthly (mostly kept by their homeroom teacher). The eldest usually would ask for a top up before the end of the month. The second one is more prudent with his spending. Before sending them off after their fortnightly or monthly overnight stay, we usually provide them with rations. In school, they eat 6 times daily! In short, there should be some leftover of that RM250!😓 Did I mention that I would do the handphone top ups for them too?😞

After getting them to open the GAP account, now each has to set aside a portion of that to be deposited monthly. If they don't start now, they would be difficult to coach when they have started holding their own money later. To get them excited about saving in gold, I would deposit their birthday angpau 💱 there too.

It sounds mundane but since financial education is not taught in school, at least it could start from home.

Barbara anak Sian

PG00177435

Authorized Dealer

Public Gold

0168980629

#SharingWhyIChoosePublicGold

#StartAsSmallAsRM100Or1gMonthly

Part 18...

One of the things I want to avoid is making my eldest son pay for my second son's studies and so on and so forth. Having gone through that, I couldn't shake that "unfair" feeling because those after that did not stick to the deal.

My dad set these rules because our resources were limited. Given the opportunities with two breadwinners now in our family, that should not be an option. Fresh graduates need all the resources to build their own lives. We as parents should finish our work from procreation till the youngest's graduation!

Have you started thinking about this? It is never too late to start.

Barbara anak Sian

PG00177435

Authorized Dealer

Public Gold

#SharingWhyIChoosePublicGold

#StartAsSmallAsRM100Or1gMonthly

Part 19...

I am glad to have the youngsters (some are my ex-students) whatsapping me to inquire about saving gold in Public Gold. They are blessed to have the financial freedom to manage their own money without being shackled by heavy commitments (now that PTPTN is more lenient with the repayment). Take this chance to save up and build up your assets. 💪💪💪💪

Live simply. Avoid taking personal loans. If you have to use credit cards, be disciplined in paying back. Get one with the best deal for your specific needs. Take it from someone who has done it and been there! 😉

Barbara anak Sian

PG00177435

Authorized Dealer

Public Gold

0168980629

#SharingWhyIChoosePublicGold

#StartAsSmallAsRM100Or1gMonthly

Part 20...

Many may feel RM100 monthly is too much. For some it may seem too small to make it to a "hill" as in the old Malay proverb..Sikit-sikit, lama-lama jadi bukit. This is because your savings in the form of money may lose its value in the future if there happens to be economic turbulence in our country.

But if every time you change your money to savings of physical gold (in grams) and if you understand that gold never loses its value, you would appreciate what Public Gold is doing. 

Back then, when people (usually rich people) wanted to protect their wealth by buying gold, they had to order gold bars or coins from overseas. It was a tedious and expensive venture. But later on, Public Gold has made it possible for us... the regular people on the street to invest in gold as low as RM100 for about 0.5 grams of gold!

Now EVERYONE can invest in GOLD! Open your GAP account today. For more info, pm me.

Barbara anak Sian

PG00177435

Authorized Dealer

Public Gold

0168980629