Category Archives: Productivity

Review: Trying out Curbside Service @ Target

Shop_curbsideWhen I was in Target a couple of weekends ago, I saw an Ad for Curbside service and they were offering $10 off $20 purchase for new customers.

You guys know me, something could save me time, and the initial purchase is half off, why not give it a try?
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Consolidate Accounts to Discover “Free Money” Part II

In the last post, I discussed consolidating checking and savings accounts.  Now I will continue and talk about consolidate investment accounts, both taxable and non-taxable.

Step 3:  Consolidate non-taxable accounts

401K Retirement NontaxalbeNon-taxable accounts include 401k, IRA, Roth IRA accounts.   It’s easier to consolidate compare to the taxable accounts for two reasons 1)  you can do different rollovers, most online brokerage houses offer straight forward process to do this on line directly.   2) transactions within these accounts do not trigger taxes so you have one less thing to worry about. Continue reading

Consolidate Accounts to Discover “Free money” Part I

free moneyOver the last few months, as part of my 2014 financial plan, I wanted to consolidate my financial accounts to have better visibility how I am doing with my investments.  This process turned out to be more tedious and time consuming than I had originally anticipated, but the reward was also very high.  Below are the step by step process I went through. Continue reading

Trailing stop loss orders to protect your investment profit

stock bond mutual fund portfolioAs I mentioned in my 2014 financial goals post, I believe that the market correction will happen and want to protect my profits for my stock holdings.  I have been monitoring the stock market regularly, but was looking for a more automated to do this.  Trailing stop loss order and trailing stop limit order are my answers.  I came across it by accident as I was setting up manual stop loss order on Fidelity.com. After investing in stocks for 15+ years, I’m just learning about it.  I thought it was super useful and wanted to share. Continue reading

My 2014 Personal Goals – Restoring Balance

While this is intended to be my personal finance blog, I thought I would add my personal goals for 2014 here as well as a reminder to myself.

1. Exercise more regularly

exercise regularlyI’m sure it’s on most people’s list.  I want to create a goal i can actual stick with.  I’m in pretty decent shape, mostly just want to do some toning and stretching to stay healthy and look good.

Phase 1: Get into a habit (Q1)

Setting modest goal to start with, 2-3 times a week, 20-30 minutes each. Mostly Pilates and yoga.  I busted my knee over the holiday skiing, once the doctor gives me the go ahead, I will add some strengthening exercise for my weak knee.

Phase 2: Tone (Q2)

While I’m pretty okay with my weight, I like to tone a couple of areas, tummy, arms and butt specifically.  I like to add 20 minutes of weight training to my routine, and dare I be ambitiou, increase the frequency to 4-5 times a week.  I recently read The New Rules of Lifting for Women: Lift Like a Man, Look Like a Goddess.  The basic premise is not to bother with barbie weights (2-3 lbs), push yourself to get the maximum benefit.  Sounds like a reasonable approach, I’ll give it try. Continue reading

Smart Guide to Automate Your Bill Payments without Losing Control

 automate_bill_payHow many bills do you have to pay every months?   At last count, each month I have electricity, gas, water, garbage, cable, internet, phone, cellphone, auto insurance, life insurance, multiple mortgage payments (primary residence and rentals), multiple home owner association dues, and multiple credit cards..  In all, 20 plus bills each month.  In our busy household with dual working parents with young children, time is precious.  I have automated all of these bills about ten years now.  I don’t spend more than 10 minutes a month on paying bills and have not had a late payment in years. Continue reading