Category: Saving

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....

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

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...

2

2018 – a new financial start

Happy New Year!  I hope you had a great holiday. New Year means a new financial start.  Now it’s the time to take a fresh look at your finances, and see what can be done better in 2018. You might ask:  why do I have to do that?  It’s because money can’t take care of itself.  You have to be on the driver seat, and take actions to...

18

Lending money to a friend or relative

Are you willing to lend money to your friend or relative?  One day, you might get a call from a cousin.  He wants to borrow $2500 for a used car.  His old car was wrecked last week.  He could not get a car loan due to insufficient credit or income.  What are you going to say?  “Oh, I don’t have that much money.” Or “Sorry, I can’t lend...

4

Save it or spend it?

Assume John Doe is a sales associate.  He worked so hard this year, and far exceeded his sales quota.  His employer was happy, liked to keep him, and gave him a nice year-end bonus of $4000.  John rushed out at 5 PM, couldn’t wait to go home and share this exciting news with his family.  After lots of laughter and hugs at home, he had to decide:  “What...

6

Do you go shopping on Black Friday?

The holiday season starts this week.  Black Friday is at the corner.  Every year, Black Friday started earlier and earlier. Since 2012, Black Friday kicked off on Thursday for some stores.  Wait a moment, now Friday becomes Thursday!  Is it confusing? “Grandma, could you cook the turkey faster?  I got to go shopping at 5 PM.”  “Can I bag my turkey and pie?  I’ll eat on the road.”...