More often than not, our view of (rather than the situation itself) dictate our state of mind. Some people would still be happy even if the world came crashing down. For others, a minor setback would spark off a downward spiral of deeper sadness. New circumstances are thrown at us day in and day out. [...]
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Let me share a story with you:
My friend chose to sacrifice himself and stay behind for work reasons when his family immigrated to the States a few years ago. It was a difficult decision I’m sure, but one that was necessary (I’m told) due to financial constrains.
His son was 14 at the time but [...]
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One of my readers sent me this great piece on productivity. While most of these about general well being and therefore non-personal finance related, understand that without a healthy mind and body, money is unimportant.
Best time to Study – When you wake up in the morning, you will probably feel tired and dizzy. However, [...]
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Millions fall victim to identity fraud each year. The number seems to be decreasing the past couple of years, but even one is too many in my opinion. To prevent the possible emotional and financial stress of having your identity stolen, just praying that the government and credit report agencies will further improve [...]
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A HSBC Direct Review
HSBC made a big push into the online savings account industry a few years ago and have already establish HSBC Direct (its U.S. online banking subsidiary) as a premier online bank offering high yield savings accounts. While, they have a relatively small footprint in the North America, HSBC is actually one of [...]
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After weeks of waiting and calling everyone to do their part of the process, I finally got my 401k moved over this week. During this time, I realized a few important facts about the 401k offered by my employer.
The employer match will not be fully vested until my 10th year of employment (it starts [...]
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Such original title huh? First, a quick update on what relates to me:
Chinese New Years is Coming
Tomorrow (January 26, 2009) is Chinese News Years! Traditionally, Chinese families would visit everyone else’s family by going over to their houses and giving their blessings. (I never got how everyone manages the logistics because if [...]
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During the last few years, more and more companies are starting to offer free federal tax returns. Turbo Tax, being of the most popular, also offers one called Turbo Tax Free Edition which I checked out over the last couple days. I noticed that even though free stuff is always good, you might want to [...]
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Going through my drawer full of receipts over the weekend was like driving through Manhattan during rush hour. The long and painful process involved looking through them one by one and trying to figure out which ones are really worth keeping. In hindsight, I should have thrown out the ones I won’t need but maybe [...]
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Thanks for everyone’s help when I asked Where I Should Live in 2009. The responses were great and I want to highlight a couple in particular that we can all learn from:
marci wrote:
You have a month to make up your mind – so take it and use it for the rest of your home ownership [...]
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Losing a credit card is never fun, but here are some pointers in case it ever happens to you.
Call the credit card company – Most suggest saving all the phone numbers somewhere but how many of us do that and when is that location ever accessible when we find out that our cards are missing? [...]
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Another week of Festival of Frugality, another collection of amazing frugality articles for all to enjoy. It’s no surprised that everyone is into being frugal these days but here’s something to think about – What if the company we work for starts being frugal? Is that good or bad for us? Is it necessary?
Editor’s Choice
[...]
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Luckily for the workforce, wages/salaries tend to rise along with price levels. That is, people tend to get annual raises even without getting promoted. On the one hand, this is good. It makes it so that most people can maintain a relatively stable standard of living.
On the other hand, our annual raises have taught many [...]
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Want budget travel tips for free? Wouldn’t you want to travel more often without breaking the bank? What if I told you that instead of planning one family trip a year, you can go twice with the same budget? If you are at all interested, read on to find out how you [...]
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