Sometimes, it’s difficult to get a sense of what people in other countries have to deal with. Luckily, the guest post today addresses this, even in a very small scale.
A massive stimulus plan, reduced consumer spending, increased unemployment – we aren’t just talking about the United States here. The effects of the American financial [...]
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Once you trade up, you are never going back.
Lifestyle inflation is a real phenomenon that I’ve surprisingly seldom talked about. Basically, it refers to the strikingly true fact that most people increase their spending as their income increases no matter how much or how little they earn.
Stepping up the standard of living ladder is [...]
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We all deny having any, but we all know everyone has some. Guilty pleasures can sometimes be money pits but many of us usually find excuses to get/own/experience them anyway.
According to Wikipedia, it is defined as:
Guilty pleasure, something one enjoys despite feeling guilt for it
So let me ask you today. What is your [...]
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A hot agenda in the Obama camp these days is the up and coming health care reform. Yet for some reason, the media isn’t giving it the needed attention it deserves. Did you know that the cost of our health care system is the most expensive in the world? Let’s explore this [...]
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More often than not, the times we cherish the most don’t involve dollars and cents. It isn’t an earth shattering discovery of course, but one that most people forget all the time. Instead, we try to buy our way into happiness. Oh that iPhone will do. That expensive glass of wine [...]
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Manny was my very first client. I met him 25 years ago but I remember him to this day.
He walked into my office a little shy. English was not his native language and I think he felt a little self-conscious about it. But as soon as Manny started telling me his story, I [...]
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We saw a gorgeous condo on our way home yesterday that ignited my home buying urge. The price of the two bedroom was just right (the more appropriate term is yeah right) at $800,000 so one of the things I told my wife was that maybe we shouldn’t be wandering in whenever we see [...]
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All through life, we were taught to believe that bigger is better. More, more, more our teachers would say; higher, higher, and higher, our parents cheered.
When we grew up, we carried this mentality as the way of life. We stretched to buy the biggest house, we worked long hours to advance our career [...]
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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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I still remember the time when my school teacher taught me about the 3Rs (reduce, reuse, and recycle). All the benefits that they spoke about honestly didn’t mean much to me at the time (I was more concerned about playing soccer at recess), but it was important for kids like me to at least start [...]
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With headlines all over about the financial mess and how bad the economic is (and will be), many of us feel a sense of doubt about the future. Thanksgiving is coming up, and it’s easy to feel less excited about the idea of celebration when our retirement savings, investments and emergency funds depleting every day. [...]
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I noticed that it’s pretty hard for me to buy something but it’s very easy for me to spend more on a product. What I mean is that I might contemplate on buying a $20 t-shirt but once I decide that buying a t-shirt is a right decision, I will gladly spend $60 even [...]
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In one of our dreaming moments during the weekend, Emma and I jokingly spoke about joining a private golf country club. It was brand new, relatively close from where we live and also extremely nice.
The financial commitment to enroll were:
$30,000 to join (although that can be negotiated down to possibly $20,000 we heard) and 90% [...]
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Many people will remember September 29, 2008 as a historic day in financial history due to the government’s refusal to bailout financial companies. It was certainly a day many of us will remember as I saw my twitter account filled with readers talking about their losses throughout the whole day.
Instead of talking about my own [...]
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