Fail To Plan – Plan To Fail

Middle Class in America

It doesn’t matter how they categorize the middle class income for each state, the real cost of living in California is outrageous due to high cost of housing, gas and taxes. The numbers listed are not truly reflect how well we live with the incomes.  ALABAMA Median household income of middle-class families: $71,781 ALASKA Median

Planning For Retirement

When I was single, the word retirement wasn’t in my dictionary until I got married and planned to have children. I became a worrywart about the old age here in America, the land of hunger is supposed to be non existent. I’m writing this post to remind the younger people like me who doesn’t believe

How To Manage Your 401K

Most people sign up for a 401k plan and never look at it again. To get the most growth out of your 401k, you should be involved with your investments and balance it once a year. Here are some strategic methods to get the most out of your 401k and keep it in ideal shape

The Best Place To Live In Silicon Valley

 The best place to live is relative to the individuals, families. Our best place to live is where our kids can be safer (no place is 100% safe these days) in school, neighborhood, where the people are nice, considerate, peaceful, less troublesome. Well, we found our place, although it’s not the best, but we’re happy

ESPP-Employee Stock Purchase Plan

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Majority of companies in Silicon Valley are publicly traded companies, if we work for these companies, we should be offered something call ESP (Employee Stock Purchase) or ESPP (Employee Stock Purchase Plan) every 6 months or a year. It’s a benefit program that allows Employees to buy company’s stocks at a 15% discount from the