Author: Retire Early Helen

8

Retiring early is an adventure

Retiring early was always my dream. When my kid was young, many times I wished I were able to stay home with him.  Sending him to the day care at that young age was like sending him to the war zone.  It ripped his heart and mine.  I always felt the guilt.  Why did I have to work?  I needed the money to live.  It’s just that pure...

7

Demystify financial advisors

Nowadays, financial advisors are all over the places.  You see them at the banks, insurance companies, brokerage firms, wealth management companies, or mixed business of the above.  You wonder what kind of financial advisors work for your best interest. In order to get your business, some might even say that, their consultation services are free.  The word “free” always alerts me, because there is no free service.  Everyone...

15

Happy Chinese New Year! – the Year of the Dog

February 16, 2018 is the Chinese New Year, the Year of the Dog.  For our world full of dog lovers, definitely this is going to be a year of love and friendship. Yeah, we already had a very good beginning.  During the opening ceremony of the 2018 Winter Olympics, the South and North Korean players teamed up.  They walked proudly into the stadium in ONE team, under one...

10

Sweet tax refund

It’s the tax season again in US.  If you are expecting the sweet tax refund checks, probably you can’t wait to file the tax returns.  Yeah, the tax filing offices are lit up again. The long-forgotten tax accountants are back.  They are smiling, and counting the extra dollars in their pockets.  As the mid April deadline is approaching, they are becoming the most beloved professionals in this country....

15

Is early retirement good or bad?

Does early retirement work for everyone?  Is early retirement good or bad?  Should people retire early?  Or work to the age of 70, as Suze Orman suggested? From my experience, I feel early retirement is great.  I can do whatever I want, and live a life without work-related stress.  Here are some of the early retirees in the personal finance blogging community, who are enjoying their early retirement...

4

Do you need Overdraft Protections?

Have you heard about “Overdraft”, and “Overdraft Protections”?  Today, I’m going to talk about it.  Why?  I want you to have the knowledge, so you can make a decision that is best, only for you and your family. Overview: If you choose to overdraft, it’s like you start digging a hole for yourself. Then if decide to go for overdraft protections, you are digging yourself deeper and deeper...

8

One superpower I wish I had

Bill and Melinda Gates sent out the 2016 Annual Letter: “If you could have one superpower, what would it be?”  Their answers are: more time, more energy, and to be able to fly.  That’s more than one wish.  Even billionaires don’t know how to count 1, 2 and 3 (just kidding).  That’s why I don’t want to be a billionaire. I thought about it for a long time:  what...

28

A story about my childhood friend Jane

This is a true story.  It’s about one of my childhood friends.  To protect her privacy, I’ll call her Jane. Jane and I grew up together, in a village in northern China.  We started playing together long before the primary school.  We were in the same class in the primary school (5 years) and middle school (2 years).  Our families lived on the same street, and just half...

12

Use Home Equity Line of Credit (HELOC) Wisely

Are you a homeowner?  If yes, probably you noticed that, the value of your home went up lately.  Today we are going to tackle the details of the Home Equity Line of Credit, abbreviated as HELOC. Sometimes it’s simply called ELOC. Knowledge is power.  Next time, when you are in the bank, the banker may want to drag you to his/her office with all smiles, and try to...

8

Wasted food, wasted money

Did you see the Hot Dog Eating Contest on the TV?  The guy ate more than 70 hot dogs, and became the champion. When I saw it, my first impression was:  what a waste of food and money!  Can we donate those hot dogs to the kids in the schools? My second impression was: where are the table manners?  I’m not saying they should use forks and knives...