Many people work and put money in 401k or IRA or ROTH IRA don’t know what to do with the money saved in there. If you have money in 401k from work, if you don’t manage yourself, they will put in automatically funds that benefit or high management fees for the 401k managers. 401k: we …
Living in Silicon Valley is designed for wealthy people. Middle class has to pay taxes and all the extra costs due to clean air laws for the wealthy to breathe. The only way to keep up with all these costs with fixed salaries, we need to save money and use the money to invest in …
The electric bill last year 2023 increased more than $1500 because we’ve changed to Electric Water Heater 4.5kWh in Dec 2022. The bill was $600 in January so we had to replace with a gas water heater to lower our bill. In NorCal, we can only use low nox water heater which costs more than …
After the heavy raining season 2023, the storage shingle started to leak into the ceiling, we need to replace it since it’s only 125 SQF total. The sheathing panel some parts were rotten so we had to buy new ones to replace. It’s not hard but just lot of work to remove all the old …
These days there are quite a few Chinese Restaurants specialize in Mainland and Taiwanese Cuisine. Our family really like the spicy Shanghai noodles stir-fried. It’s quite easy to cook and very inexpensive. The main ingredients are ground pork, bokchoy, shanghai noodles, black bean paste, black bean chili, chili oil, soy sauce, sesame oil, onions, mushrooms of any …
