Six Retirement Planning Tips from Vanguard Retirees

Vanguard, has low fees for retirement and investment brokerage accounts:

They posted a blog post recently on lessons we can learn from Vanguard Retirees:

  1. Plan and be aware of taxes
  2. Think about what you want to do when you retire
  3. Know how you want to handle debt such as a home mortgage
  4. Delay taking social security
  5. Plan for the unexpected
  6. Think long term when investing and saving

Also, I really found these quotes inspiring:

Live below your means. Who cares what your friends have? You don’t know how they sleep at night. -Paula M.

My wealthy uncle told me three wise words about investing: “Do it now.” Waiting is deadly. -Harlan G.

There is so much that’s out of our control (housing appreciation, market returns, etc.). But our savings rate and where/how we invest our earnings is entirely within our control! -Katrina B.

You can do it. Don’t forget to help others along the way. No one will care about your money more than you. -Alan W.

Getting More Views and Traffic on Your WordPress Site

I have had my site on for about 3 months.  During that time my stats look pretty abysmal, but somehow I am getting visitors!

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My Site Stats via MonsterInsights on WordPress

Part of the reason, I have mainly been promoting my posts only on Twitter.  However, I should consider where does my target audience consumer their contact, and how can I reach them in an effective way.

WordPress, has a pretty good intro on getting more views:

Here is a summary of the article:

  1. Post of more social networks
  2. Make your blog content visible for indexing by search engines
  3. Promote small by starting with informing friends, and family
  4. Use appropriate tags and categories
  5. Read and comment on other blogs relevant to your content
  6. Write regularly.  Now I am trying to write posts and schedule them for Tuesdays and Thursdays.
  7. DailyPost, a  Wordpress page to help you with your writing:
  8. Learn from the experts with WordPress’ Blogging University:

Create content, learn, and enjoy the journey.

What has been effective for driving traffic to your website?

Learn Mandarin Chinese Online

1.379 Billion Chinese according to this search on Google:  Would you like to be able to talk to this group of people in business or in life?  Imagine getting to know this customer for your product development or business.

Let me tell you my Chinese learning journey:

I had a friend in high school who was an exchange student from Hong Kong.  We met and became friends after a simple conversation on the school bus.  We hung out in high school, took the same junior year classes, and when he went back home to Hong Kong, I visited him and some of my extended family for the first time before starting my first year at the University of Washington.

Hong Kong at that time was an exciting place for me as it was fast paced, foreign, and materially flashy.  I spoke some elementary Cantonese Chinese, but could not read nor write Chinese.  From this travel experience, I decided to take some courses in Mandarin at the University.  When I graduated, I had taken up to 3 years of Mandarin courses, and spent a school summer session at Peking University, in Beijing China, and an internship in Taipei, Taiwan.

As with any language, it takes practice, usage, and repetition to learn.  It also helps to immerse or travel and make use of that language.  But what if you live here in the USA, and want to study a language?  What options do you have?

Looking at, we can do a simple search and read the summary of some great courses:

This is a pretty fun Chinese History and Cultural Series, called ChinaX, by Harvard University:

If you are looking for more advanced Chinese learning, I was using this site for a while for intermediate to advance courses a while back.  Chinese Pod allows you to consume the content on your own schedule.  Then follow up with an instructor using video follow-up with teachers:

They have a fun blog here:

Try for free, then if you are still excited and need more content go to and subscribe to a paid account.  Before you do you can try their free sampler lessons:

Go ahead, learn some survival Chinese!  Learn to order food or say hello to your loved one!  How do you learn a language?

Then find a conversation partner nearby via Craigslist,, or the University of Washington Language Exchange Program.

Tell me if these links and resources are helpful.  Let me know if I overlooked some even better ones!