Enjoy life before it's too late

8

Too busy to manage your money?

Are you too busy to manage your money?  If yes, you are not alone.  I heard it from quite a lot of people, no matter of their background, income, education, etc.  Why is that?  Let’s tackle this issue today. Though money is not the most important asset, it plays a big part in people’s lives.  Nobody can live without money. Nowadays, it seems being busy is the trend. ...

12

Fun time

Summer is really a fun time.  Kids are enjoying the long summer break.  Parents are taking the vacations with families somewhere. As an early retiree, I don’t want to be left behind.  As a result, I did something I had dreamed about for years: went back to Ashland, Ohio to see the hot air balloons. Ashland is my hometown.  Every year around the 4th of July, there is...

10

Caution when investing in employer stocks

Lately I’m reading the book “Nudge” by Richard H. Thaler and Cass R. Sunstein.  Mr. Thaler is an economist, and won the Nobel Prize because of his research on behavioral economics. One section of the book talks about Company Stock.  One employee of former Enron invested all his money into the Enron stocks, during his 30+ year career.  One time his investment peaked to $1.3 million. He retired...

7

Three-minute fame

Lately I had an interview with Brian Bienkowski, a staff writer of debt.com.  Brian published an article about me: “After Almost Losing Her Investments, Helen Retired At 49 – Not bad for a person who never heard of a 401(k)”. I was joking with my family, and called this interview my three-minute fame. You can see that, Brian’s excellent and professional writing is very different from my amateur...

12

Does retirement guarantee a happy life?

Many people wonder: does retirement guarantee a happy life?  This is how I feel:  not necessarily.  It depends on each individual. Here are some personal stories. My dad: My dad retired when he was close to the age 60.  He had been teaching the primary school students for over 30 years.  At the end, he was too tired to deal with the young kids.  I don’t blame him. ...

8

Delayed gratification

Delayed gratification or instant gratification?  This is the choice we have to face every day. Nowadays, the vacation has not started yet, the message is already out:  Jane Doe is going to see Asia.  Once she is there, the pictures are like a waterfall: it never stops on the Facebook, Twitter, Instagram, etc. What are you thinking after seeing your friends’ beautiful pictures?  “I wish I were there”,...