It doesn’t matter how they categorize the middle class income for each state, the real cost of living in California is outrageous due to high cost of housing, gas and taxes. The numbers listed are not truly reflect how well we live with the incomes. ALABAMA Median household income of middle-class families: $71,781 ALASKA Median […]
Category: Fail To Plan – Plan To Fail
When I was single, the word retirement wasn’t in my dictionary until I got married and planned to have children. I became a worrywart about the old age here in America, the land of hunger is supposed to be non existent. I’m writing this post to remind the younger people like me who doesn’t believe […]
Most people sign up for a 401k plan and never look at it again. To get the most growth out of your 401k, you should be involved with your investments and balance it once a year. Here are some strategic methods to get the most out of your 401k and keep it in ideal shape […]
January 10, 2013 / 2,478 views / Fail To Plan - Plan To Fail
The Best Place To Live In Silicon Valley
The best place to live is relative to the individuals, families. Our best place to live is where our kids can be safer (no place is 100% safe these days) in school, neighborhood, where the people are nice, considerate, peaceful, less troublesome. Well, we found our place, although it’s not the best, but we’re happy […]
January 9, 2013 / 576 views / Being Frugal | Fail To Plan - Plan To Fail | Finance | Investing | Jobs
ESPP-Employee Stock Purchase Plan
Majority of companies in Silicon Valley are publicly traded companies, if we work for these companies, we should be offered something call ESP (Employee Stock Purchase) or ESPP (Employee Stock Purchase Plan) every 6 months or a year. It’s a benefit program that allows Employees to buy company’s stocks at a 15% discount from the […]
It’s Winter again, and we’re ready for the Sierras where ski resorts are close to Casinos. Every year, we try to go at least 2 or 3 times for skiing and hope the Casinos would pay for the trips. When I was single, I read all the books about how to play Blackjack, how to […]
July 5, 2012 / 696 views / Fail To Plan - Plan To Fail | Finance
10 Things We Didn’t Know About Social Security
When we get married, having children, we started to prepare for everything, kids colleges and our retirement. Social Security comes to minds although we don’t expect to get much from it, but it’s nice to know it may exist when we retire. How much do we need to save for retirement, this is a very […]
I do monitor mine quarterly with the market conditions, I cashed out to money market when dow was 14000 and got back in when it was 9500. I think this is a great article for people who don’t monitor their 401(k) much. BTW, it’s still your money. Yes, the people who manage 401k and mutual […]
