Nancy Hoang

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I spent 5 years studying rich people, and here's what they tend to have in common

Below is a snapshot of a typical millionaire from my study:<p>• <b>They're really rich.</b> They are worth at least $3.2 million. 16% of them are worth more than $5 million. They make at least $160,000 a year. Half of them make close to $500,000 a year.<p>• <b>They're not young.</b> 80% of them are 50 years of age or …

Self-improvement

How to Shave Years Off a 30-Year Mortgage

Most strategies to pay off your mortgage faster involve making radical principal prepayments or moving to a shorter-term debt structure. But here's a way to pay your loan off faster by refinancing your home using your lender's money.<p>Here's a quick finance lesson: Lenders generate more revenue on …

Blackstone's Byron Wien shares 10 surprising predictions for 2015

<i>Byron Wien, vice chairman of Blackstone Advisory Partners (BX), today issued his list of Surprises for 2015.</i><p><i>This is the 30th year Wien has given his</i> …

Ma Yi Shang Shu (“Ants Climbing a Tree”)

Place noodles and 4 cups boiling water in a bowl; let sit until soft, about 4 minutes. Drain and toss noodles with sesame oil; set aside.<p>Heat canola …

How to Layer Your Skin Care

Get maximum results morning and night. Plus, check out all the past #BeautySchool columns.<p><b>Question:</b> In what order do I apply all my skin care products?<p><b>Answer:</b> Staring at a cabinet full of serums, creams and gels and trying to figure out how and when to apply them all for the best results can be …