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. [...]
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 [...]
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, [...]
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 their system [...]
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 [...]
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 [...]
