Boundaries: Protecting Yourself From Unrealistic Financial Expectations

DARING TO SET BOUNDARIES IS ABOUT HAVING THE COURAGE TO LOVE OURSELVES EVEN WHEN WE RISK DISAPPOINTING OTHERS – Brene Brown It was 2:45 AM local time when the phone rang. It continued ringing ceaselessly as if it tried to convey the seriousness of the situation from the caller. I looked at the number and did not recognize it. However it was a phone call from back home in Nigeria. I was deep in sleep, but I considered this could be a call from a family member back home. But, didn’t they think of the time difference before placing the call? Maybe they’re in distress? Maybe this is a serious emergency? I picked up the phone and answered. It was my old high school class mate from back home. The last time I spoke with him was probably about 10 years ago. We are not particularly close. I asked him how he was and what the matter was. He asked

read more Boundaries: Protecting Yourself From Unrealistic Financial Expectations

5 Quick Ways to Organize Your Financial Life

Have you ever wondered how you can take charge of your financial life, but don’t know where to start? It’s worse for new immigrants who have settled in to America but don’t really understand all the financial jargon they hear….things like 401K, Roth IRA, Term-life insurance, Annuities, Disability insurance, etc. Are you sick and tired of working very hard, making a decent income and yet always seem to have month than money? Well, you’re not alone. According to a recent report from CareerBuilder, 78% of US workers live paycheck to paycheck. In that CNBC article, even 10% of those making over $100,000 annually said they usually or always live paycheck to paycheck. This problems affects almost everyone, across all income groups. But you can do something about it. Here are 5 quick and easy ways to take care of this. 1. Calculate Your Net Worth To get a sense of where you are, you have to take stock. Calculating your net worth

read more 5 Quick Ways to Organize Your Financial Life

Inertia Can Kill Your Finances

I sent out my first post on this blog on November 12, 2014. I had a lot of passion going in and figured I was going to produce a deluge of great content going forward. What happened next? Crickets! I went into a long and sustained period of dormancy. Almost 4 years long! Why? Simply put, it was inertia. Questioning Myself Why did I slump into such a long period of inertia? Well, life got in the way and I simply kept postponing. Oh, I will post a blog post when work is less tedious…..I will try to create content when I get a vacation…..I will post one when…. It was all excuses. The other reason for my inertia was I didn’t have faith in myself. I didn’t think I will be able to keep up with creating and producing content consistently enough to ensure my blog does not die a natural death. I mean, there are like a zillion personal

read more Inertia Can Kill Your Finances

Land of Immigrants

  America is a land of immigrants. Her history attests to this fact. America has a rich culture, and though its history is beset with a dark past (slavery and segregation), modern America has a multi-cultural flair with people from almost every part of this world migrating to this great nation. No other country in the world has this attraction. People from different parts of the world often hear the mantra, “Living the American Dream” and get seduced by this. New immigrants to the US are also not exempt from this seduction. There are different aspects of the American life and immigrants are quick to adapt to the life and culture here to blend in. There is one aspect of American life which sometimes takes a long time to master, and that is finances (specifically, personal finance). If you migrated to this country from a third world or developing country, you might find some of the topics around personal finance quite

read more Land of Immigrants