About David Ning

Recently, a good friend asked me for some advice on how to handle an unexpected and expensive car repair. She had enough cash savings to pay for the repair. However, it would pretty much wipe out her recently created emergency fund. My friend was asking if it made sense to put it on her credit […]

Who doesn’t love the idea of paying off thier mortgage earlier and paying less in interest. However, are these bi-weekly mortgage payments really all they’re cracked up to be? Here’s what you need to know if you too are thinking of changing to a biweekly mortgage plan. Don’t Pay to Play If you look at […]

Finally! If there’s one thing I missed since the days of investing in mutual funds, it’s that I can specify how much, in exact dollar amounts, I want to invest. That’s because a few of the major brokerages started offering the ability to buy fractional shares. Charles Schwab even trademarked a fancy name for it […]

One of the things my family has struggled with has been getting approved for loans. Since our primary source of income is my small business, we have to jump through more hoops in order to get the best rates. Unfortunately for us, it’s not as simple as submitting your tax returns and pay stubs. I’ve […]

As a parent, I want what’s best for my kids. Most parents feel the same, I’m sure. In some cases, that leads to putting their needs before my own. However, when it comes to our financial future, you should think about putting your needs ahead of everyone else’s. Yes, even ahead of your children. Sure, […]

We keep hearing that the housing market is going gangbusters in this pandemic. However, knowing that things are generally really good is cold comfort if you’ve been waiting around for your house to sell. Believe it or not, some people wait over a year for that shiny red “SOLD” sign to go up on their […]

One of most difficult things about starting your own business is coming up with the money you need in order make things work. Saving money as an entrepreneur is of the utmost importance if you want success later. Reducing expenses can free up money for you to invest in business growth. That means learning to […]

I’ll be honest with you. I’m still relatively young and I’ve never thought about getting life insurance until recently, despite being the sole breadwinner in the family. Frankly, finances could be tough for my wife and our two young kids if something were to happen to me. Despite those facts, having a policy would still […]