About David Ning

I have been banking with the same institution for 18 years. That means I get a little panicked at the thought of switching to a different bank. At least updating payment details is much easier now that everything is online. Here’s a step-by-step guide to switching your bank. Choose Your New Bank Account Wisely This […]

Spending three months’ worth of salary might be the rule of thumb, but is it necessary? That depends on a variety of factors, including your financial situation and your partner’s style. When it’s time to buy a ring, keep the 4Cs in mind: Cut, Color, Clarity, and Carats. Engagement rings can be marked up 600% […]

Many people still worry about investing. Even though the industry has been trying really hard to make the tools accessible for the masses, it can still seem too complicated to get started. However, taking the step to get the ball rolling is worth it, because investing is one of the best ways to build wealth […]

There’s one very specific thing I remember about my dad’s views on investing. He told me multiple times that he simply wouldn’t touch certain investments, out of principle alone. For starters, he refused to ever short a stock. That’s because shorting a stock is basically betting on someone else to fail, meaning you profit off […]

Being frugal isn’t so much about what you buy. Really, it’s more of a state of mind. A different way of living. Too often, we get caught up in penny pinching in a way that isn’t healthy for our finances – or our sanity. If you’ve been trying (and failing) to get your budget balanced […]

Money is a topic that comes up regularly in almost any relationship. No matter your situation, there is a good chance that you have been talking about money with your life partner. Unfortunately, money is often a sore spot. Many studies have indicated that money is the number one issue that people in a relationship […]

Readers, I need to tell you a story. It’s about a friend of mine, named Sam. I’ve known Sam for decades — since we were high school freshman together, actually. Unfortunately, Sam has never quite learned what it means to “live within your means.” Or, to say in inversely, Sam consistently lives well beyond his […]

Getting an unexpected windfall can cause plenty of emotions. On one hand, there’s the hoopla of getting a sudden cash infusion. It’s simple human nature to go wild when a large sum of extra money shows up unexpectedly. After all, it’s not earmarked for any of your normal expenses. It’s just extra money. Can you […]