Reading Time: 2 minutes About 14 or 15 years ago when my old daughter was new born, I saved some money and put it into her 529 plan. About a year later, I wrote this blog post Some questions about 529 plan. I haven’t put in much new money into her 529 plan since the early days, and for
Reading Time: 2 minutes I’m talking about the unlocked iPhones. Because I don’t think the carrier promotions are “cheap” in the sense they usually make the money back from the monthly fees, and then more. I can think of a few places, some are probably cheaper, but I am not 100% sure about the quality (especially the battery life
Reading Time: < 1 minute And my goal is to have 40,000 shares eventually (before I fully retire). I realized I have 400 shares recently as I noticed my IRA account recently received $194 quarterly dividend （48.5 cents per share). 我有四百股 $KO: 因为我注意到前两天发了$194 的红利. 伯克希尔有四亿股：巴菲特代表股东拿了$194 m 的红利。 So, if I need to retire on the dividends from Coca-Cola stocks. I
Reading Time: 2 minutes (Update Dec-16-2024) The fintech company that collapsed and took $90 million of people’s life savings with it: The collapse and bankruptcy of fintech middleman Synapse in May has left more than 100,000 Americans locked out of a collective $90 million of their own money, prompting a class action lawsuit. (I don’t know how much money
Reading Time: 2 minutes My 14 year old (when she was almost 14) decided to switch to this electric toothbrush given by the Orthodontist office and after a while she wanted to order the replacement toothbrush heads. This is not the most common electric toothbrush and I had to order the replacement heads at the their official website. But
Reading Time: 2 minutes I used Robinhood App since year 2015, when they just got started. To be honest, I was drawn to them initially by the zero commission feature. My experience with Robinhood over the years I think Robinhood has some features I like, in addition to the zero comission feature that it pioneered in the industry. It
Reading Time: 3 minutes I think I was pretty ignorant about the Roth IRA or Roth 401k until recently years. Some friends talked about Backdoor Roth IRA a few years ago. Around the same time (Sept 2021), I noticed my employer 401 k plan has a Roth option. Before that I already worked in the USA for about 21
Reading Time: 2 minutes (Update 12-08-2024) 我今天录了一个油管视频：I created a YT video today and it’s in Mandarin Chinese. I can create an English version later, if there is interest. My street credentials (qualification) for writing this: besides as the consumer of US healthcare system (employer sponsored plans most of the time) since fall 2000. I also worked for 2 large
Reading Time: 3 minutes Digital wallet and credit card expiration and automatic extension Investopedia : What Is a Digital Wallet? Also quote Investopedia There are several digital wallets available. Here are some of the most well-known: Cash AppApple PayGoogle WalletSamsung PayPayPalVenmoAliPayWalmart PayDwollaVodafone M-PESA Personally I use Apple Pay (in store) and PayPal (online stores). I know some investors or
Reading Time: 5 minutes Writing from my experience on credit card both from consumer (outside) and business (inside) perspective: meaning encourage more usage of the card via loyalty and rewards, make sure the card is on the top of the deck etc. I also understand Americans are addicted to the credit card to a large extent. Full disclosure: between
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