Let's Talk About Finance

An update on estate planning. Added what are the gotchas and hiccups people may run into, and some tips. For people that are interested ini living trust, you would be able to find a free online template from your state as a starter (e.g. https://eforms.com/living-trust/). https://blog.ninjapolicy.com//hands-from-grave-new-to-esta

Since "Inflation" was a hot keyword last year and this year. Here is an article that touch-base about Inflation. https://wsbcampaign.com//how-inflation-can-affect-your-sav

Staring at your garage or storage room, and wondering what to do with all of those stuff?How can you make money by thrifting? Check out this article for some hint. https://wealthwave.com//how-you-can-make-money-by-thrifting

FYI. Individual Tax Day April 15th has been extended to May 17th now. You can also file an extension as you see fit if you don't want to make amendment later on due to new tax code changes or updates (e.g. late forms) that arrives after the deadline. However, if you plan to file an extension, if you owe taxes, you are still required to pay first to avoid penalty and interests. https://www.irs.gov//tax-day-for-individuals-extended-to-m photo credit - Photo by Markus Winkler on Unsplash

New to credit cards? You may want to pay attention to the "rates". Here is a quick read for those just started with a credit card. https://wsbcampaign.com//watch-out-for-these-5-credit-card

It is always tricky and could be stressful when it comes to discussing finance with your partner, or even before marriage. Hope this article could inspire this conversation, and provide some tips and hint how to initiate it. https://wsbcampaign.com//7-tips-for-talking-to-your-partne

Heard of Homestead Exemption? It simply means your primary resident is exempt from creditors and debtor up to certain amount. California pass AB 1885 and amended the existing homestead to a higher amount, and enacted on Jan 1st, 2021. "Existing law provides that a specified portion of equity in a homestead, as defined, is exempt from execution to satisfy a judgment debt and prescribes that the amount of the homestead exemption is either $75,000, $100,000, or $175,000, depend...ing on certain characteristics of the homestead’s residents. This bill would instead make the homestead exemption the greater of $300,000 or the countywide median sale price of a single-family home in the calendar year prior to the calendar year in which the judgment debtor claims the exemption, not to exceed $600,000. These amounts would adjust annually for inflation." Read more on https://leginfo.legislature.ca.gov/fa/billTextClient.xhtml Photo by Damon On Road on Unsplash

It is always confusing how interest works. You may heard of simple interest or compound interest. Here is an article that simply explains how these works, and how you can get a feeling easily when a "rate" shows up (e.g. 2%, 7%, 20%, etc.) and what does it mean! Read more ... https://blog.ninjapolicy.com//more-rates-how-rates-can-hel

Welcome back all ! We know it has been a few weeks since our last class, we hope you all enjoyed the holidays and had enough rest, and has recharged to welcome 2021! We have prepared a series of new classes and syllabus for you. No matter if you just thought about your 2021 resolution, or made a new plan, or encountered expected or unexpected changes in 2021, we are here for you providing help, resources, and information. Don't miss out our first class of 2021 this 1/23/2021 Sat 7:30 PT, kicking off with market trend update. We will share our thoughts on what we think in 2021 and hopefully this can widen your insights to get a bigger picture for 2021. Photo by Katie Moum on Unsplash

For those who want to track their credit report "WEEKLY" , here is some good news. Don't miss out this chance. By the way, (a little clarification in case you were surprised), FICO credit score is not the same as credit report. Through April 20, 2021, Experian, TransUnion and Equifax will offer all U.S. consumers free weekly credit reports through AnnualCreditReport.com to help you protect your financial health during the sudden and unprecedented hardship caused by COVID-19. https://www.annualcreditreport.com/index.action

It is always confusing how interest works. You may heard of simple interest or compound interest. Here is an article that simply explains how these works, and how you can get a feeling easily when a "rate" shows up (e.g. 2%, 7%, 20%, etc.) and what does it mean! Read more ... https://blog.ninjapolicy.com//more-rates-how-rates-can-hel

Welcome back all ! We know it has been a few weeks since our last class, we hope you all enjoyed the holidays and had enough rest, and has recharged to welcome 2021! We have prepared a series of new classes and syllabus for you. No matter if you just thought about your 2021 resolution, or made a new plan, or encountered expected or unexpected changes in 2021, we are here for you providing help, resources, and information. Don't miss out our first class of 2021 this 1/23/2021 Sat 7:30 PT, kicking off with market trend update. We will share our thoughts on what we think in 2021 and hopefully this can widen your insights to get a bigger picture for 2021. Photo by Katie Moum on Unsplash

Thank you all for attending our last online webinar for 2020. It has been a challenging year for all of us, with all the ups and downs, tears and joys, there is always hope that drive us forward. Here, we hope you a happy holiday, stay safe, and let's hang on together and welcome 2021 We would appreciate if you could spend 1 minute on our survey to help us better on planning our 2021 online courses, we have a little survey from today's webinar - https://forms.gle/AQW7GDWHAWG5aQc57 and this is also a segway into 2021. This will assist us on designing new classes in 2021 along with other more advance classes, and we hope they will enrich and widen your financial knowledge overtime .

So what are all those rates mentioned in an Annuity contract? To learn more on the definitions or how they are calculated, read more! https://blog.ninjapolicy.com//what-are-all-these-rate-in-a