Albert Chang

3 posts
Albert Chang is a twenty-something year old data analytics consultant. On his free time, he enjoys writing about creative ways his generation can make and save more money in hopes of making financial responsibility more popular amongst young people. Be sure to read his blog iamhellacheap.com

Nerd Advice: How to Get Good at Dating with Science

When it comes to dating, you probably have that one douchey friend who always gives you the same advice: “It’s just a numbers game bro.” But your friend doesn’t understand things from your point of view. You’re different from him. You can’t just go out there and hit on every girl willy nilly. You have standards… It’s too dark in the club to see her face.  It’s too creepy to ask out a complete stranger. Or maybe, just maybe, you’re kind of being a bitch right now. Having standards and hitting on more girls to increase your chances are not mutually exclusive. With 7 billion people in the world, I’m sure that there are more girls out there that meet your standards than you have time to talk to. So it’s quite possible that maybe your douchey friend is right and…

It actually is a numbers game.

If you ever worked in sales, you’d know that if you make more cold calls, you’d book more appointments. And if you book more appointments, you’d close more deals. Dating is kind of the exact same thing. Except instead of making cold calls, you’re getting numbers, and instead of going on appointments, you’re going on dates, and instead of closing deals, you’re closing deals.  So by that logic, why wouldn’t you put yourself out there and ask more girls out? Well, probably because it’s a lot easier said than done. Guys don’t like to admit it, but it’s pretty nerve-wracking to put yourself in a position to get rejected by a girl you just met. But, it becomes a whole lot easier if you just…

How to Never Worry About Saving Money Ever Again

Saving money is boring. It’s unsexy, uncool and the alternative is way more fun. It also provides zero instant gratification, which is probably why our generation is so shitty at it. The thing with saving money though, is that it’s kind of like losing weight. You can’t just go on a crash diet and expect to see long term results. You need to make permanent lifestyle changes that are easy to keep up with. Luckily, unlike with losing weight, we have the ability to automate our savings. We can set up our finances in a way to automatically put away a healthy amount of money each month without having to think about it. Below are a few tips on how you can automate your savings today.

Direct Deposit your paycheck into two accounts.

By two accounts, I mean two accounts at two different banks. One will be your regular checking account that you use to withdraw money or pay bills, the other will be a checking account that you literally never touch. The reason you want these at two different banks is because it’s too easy to transfer money between your savings and checking account when they’re at the same bank. The point here is to make it as hard as possible for you to touch that money. Try to set at least 10% of your salary into the account that is dedicated for saving. The rule is, unless it’s a life or death emergency, never take any money out of this account. This is not a ‘weekend Vegas trip or summer vacation fund.’  Think about this as a tax you are paying to yourself. Get accustomed to living off of the remaining bulk of your salary. Especially when you have kids, The Children’s ISA is a tax- free, low cost investment fund for their future.

12 Ways To Get the Raise You Want Faster

What’s stopping you from asking your boss for a raise? Does this sound like something you would do? Like most people, your initial reaction might probably be to reject this idea. Maybe your company just laid people off… maybe you’re certain your boss won’t give it to you… maybe you don’t want to seem too greedy. Whatever it is, I’m sure there are a hundred reasons for why you shouldn’t ask for a raise right now. Also, nobody wants to force an awkward conversation on their superior or put themselves in a position to get rejected.

But I’m sure having an uncomfortable 10 minute conversation would be worth it to you if you knew it could bring you tens of thousands of dollars more a year. Your mother has probably told you that you’ll never get what you want in life unless you go and get it yourself. So, let me help you get yourself a hefty raise with a couple of simple, easy-to-follow tips.