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Welcome!

Frank YanFrank Yan is originally from London, England.  Frank is an entrepreneur working in different sectors of Real Estate, Finance and Software Implementation covering the United States and the Canadian Markets. Frank has worked as a Principal and Owner for Tribecca Holdings, Xcaret Trading, and is a respected Account Executive for ALLDATA throughout Canada.

Frank Yan specializes in deal structuring, acquisition of distressed properties, complex financial structuring, private equity/debt placements, negotiations, and client focused solutions designed for flexibility and expandability across multiple operating systems, databases, business units and organizations.

Frank Yan enjoys traveling, playing golf, winter sporting, composing music on the piano, and culinary expeditions.  Frank Yan is a proud supporter of the Make a Wish Foundation and the FUTURE Foundation of Sacramento.

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Frank Yan of Sacramento on Around the House Tips to Prepare For the Spring

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Frank Yan of Sacramento posts a related artice: Being Prepared For This Rainy Season



This winter in Sacramento has been exceptionally dry. Sacramento resident Frank Yan says to take the opportunity to do some extra maintenance outside and prepare for Spring.

* Check for water and efficiency leaks
* Insulate door frames and windows
* Conduct a home energy audit
* Clean storage areas
* Clean gutters
* Mulch the flower beds
* Change the bathroom shower curtain
* Replace outdated fire extinguishers

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Frank Yn of Sacramento on Eating Larger Portions Earlier

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Frank Yan of Sacramento posts a related artticle Reducing Your Diabetes Levels



Frank Yan of Sacramento says if you want feel full while keeping your weight down, we should eat your biggest meal of the day during breakfast. Eating more calories in the early part of our day morning can increase weight loss.

If your the one that nibbles at breakfast or run out the door without eating anything at all, then eat a hearty sized lunch, and then stuff yourself at dinner. Does this sound about right or familiar? You are at all alone. It is, after all, the way the majority of us were brought up to eat.

As kids we were taught to clean our plates after we ate a meal. However Frank Yan suggests that the way to feel full through out our days, and even lose the weight we want, is to consume your biggest meal in the morning, then progressively less through out the entire day.

Frank Yan read an article while sipping at his local Starbucks in Sacramento researchers test this theory and placed 2 groups of dieters on the same 1,500 calorie meal plan for 12 weeks. One group ate 800 calories at breakfast, 600 at lunch, and 300 at dinner. The second group’s calories were distributed in exactly the opposite way 300 calories at breakfast and 800 for dinner. Those in the big-breakfast group ended up shedding 18 pounds, while those in the big-dinner group lost only 8 pounds. The big breakfast group displayed significantly lower levels of glucose, insulin, and triglycerides through out the entire day, which means a lower risk of diabetes, cardiovascular disease, hypertension and elevated LDL cholesterol levels.

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Frank Yan of Sacramento on his Favorite Life Time Quotes

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Frank Yan of Sacramento posts a related article:  Enpowering Through Your Thoughts

Frank Yan of Sacramento writes about the things believing that we all should be doing, trying or experimenting with in order to maximize our success and happiness. However, it’s not always the things we do that make the biggest difference in our lives; it’s often the things we tend to avoid doing that have the biggest effect. As human beings, we have a strong aversion to notdoing; we feel that in order to produce results, there must be an initial action.

However, because we are almost always doing something, piling on more and more often has a negative effect, rather than a positive one. Among the mentally strong, there are several actions that are avoided in order to produce the greatest benefit in the shortest period of time.

These actions are those that the mentally strong avoid, and that we should consider adapting as our own:

1. Dwelling On The Past
Mentally strong individuals focus on the present moment and on the near future. They understand that the past is out of our control and the far future is about as predictable as the weather this winter.

2. Remaining In Their Comfort Zone
The comfort zone is a dangerous place, a dark abyss where anyone who remains there for too long loses his or herself entirely. Staying within your comfort zone is giving up on life.

3. Not Listening To The Opinions Of Others
Only the foolish believe themselves to be sufficient in all regards. When it comes to brainstorming, ideas can’t so much be forced as they can be caught. A good idea is a good idea, regardless of whether or not you came up with it. Don’t let your ego get the better of you; if someone has great advice to give, take
it.

4. Avoiding Change
What the mentally strong understand that the mentally weak do not is that change is unavoidable. Trying to avoid the inevitable is pointless. Therefore, trying to avoid change is pointless; it’s a mere waste of time and energy.

5. Keeping A Closed Mind
You don’t know everything. Even the things you believe yourself to know are likely to not be entirely true. If you keep a closed mind, you are preventing yourself from learning new material. If you stop learning, you stop living.

6. Letting Others Make Decisions For Them
Only you should be making your own decisions; you can’t allow others to make them for you. All this does is shift the responsibility from you to someone else, but the only person failing in the end is you. If you don’t have the courage to fail, then you don’t have the courage to
succeed.

7. Getting Jealous Over The Successes Of Others
When others succeed, you should be happy. If they can do it, so can you. The success of others does not, in any way, lessen the chances of you succeeding. If anything, it should motivate you to keep pushing forward.

8. Thinking About The High Possibility Of Failure
Our thoughts control our perspective; our perspective controls our results. The mentally strong understand this and use this to their advantage. There’s always the chance you may fail, but as long as there is the chance you may succeed, it’s worth trying.

9. Feeling Sorry For Themselves
Sh*t happens. Life can be hard. People get hurt; others die. Life isn’t all roses and butterflies. You will fall off that horse again and again and again. The question is, are you strong enough to keep getting back on it?

10. Focusing On Their Weaknesses
Although working on our weaknesses does have its benefits, it’s more important to focus on banking on our strengths. The most well-rounded person is not the person that gets the furthest in life. Being average in all regards makes you average. However, mastering a certain skillset or trait will allow you to beat the competition with less effort.

11. Trying To Please People
A job well done is a job well done, no matter who is judging the final product. You can’t please everybody, but you can always manage to do your very best.

12. Blaming Themselves For Things Outside Their Control
The mentally strong know the things they can control, understand the things they cannot control, and avoid even thinking about that which is completely out of their hands.

13. Being Impatient
Patience isn’t just a virtue; it is the
virtue. Most people don’t fail because they aren’t good enough, or aren’t capable of winning or succeeding. Most people fail because they are impatient and give up before their time has come.

14. Being Misunderstood
Communication is key in any properly functioning system. When it comes to people, things get a bit more complicated. Simply stating information is never enough; if the receiving party misunderstands you, your message is not being properly relayed. The mentally strong do their best to be understood and have the patience to clear up misunderstandings.

15. Feeling Like You’re Owed
You aren’t owed anything in life. You were born; the rest is up to you. Life doesn’t owe you anything. Others don’t owe you anything. If you want something in life, you only owe it to yourself to go out and get it. In life, there are no handouts.

16. Repeating Mistakes
Make a mistake once, okay. Make a mistake twicenot so okay. Make the same mistake a third time, you may need to consider giving up alcohol and drugs. You’re either stupid or permanently high.

17. Giving Into Their Fears
The world can be a scary place. Some things frighten us with good cause, but most of our fears are illogical. If you know that you want to try something, try it. If you’re scared, then understand that being scared of failing must mean that succeeding means a whole lot to you.

18. Acting Without Calculating
The mentally strong know better than to act before completely understanding the situation at hand. If you have time to ponder over something and cover all your bases, then do so. Not doing so is pure laziness.

19. Refusing Help From Others
You’re not Superman; you can’t do it all. Even if you can, why should you? If
others are offering to help, let them help. Be social. Listen to their ideas and watch how they do things. You may learn something. If not, then you can teach them something and do what humans are meant to do: socialize.

20. Throwing In The Towel
The biggest weakness in all of humanity is giving up calling it quits, throwing in the towel. The mentally strong go about things in such a way. Only do things if they are important to you; forget the things that aren’t important to you. If they’re important to you, then pursue them until you succeed. No exceptions, ever.

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Frank Yan of Sacramento on Classic Chicken Soup

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Frank Yan of Sacramento post a related article: Ancho Pomegranate Pulled Brisket Tacos

As the cold winter months seem to drag on and the colder temps are dropping and Sacramento is finally seeing rain. Frank Yan of Sacramento suggests keeping your family warm with something very familiar as well as as wholesome healthy meal. Chicken Noodle Soup a childhood staple and Frank Yan’s recipe is a simple and a delicious one. Beside, it is always good any time of the year. Classic Chicken Noodle Soup consists of hearty veggies like celery and carrots with the flavorful tastes of tender chicken and classic egg noodles. Frank Yan ‘s recipe says it wi;; fill you up without over indulging.

10 teaspoons Swansons All Natural Instant Vegetable Broth
10 cups water
2 medium carrots, sliced
1 medium celery stalk,sliced
1 / 2 cup onion, diced
3 teaspoons ground ginger
3 teaspoons garlic powder
4 ounces traditional egg pasta
4 cups cooked skinless chicken breast, shredded (4-5 chicken breasts)
1 tablespoon organic dill weed

Bring broth to a boil in a Dutch oven. Add onion, carrots, celery, ginger and garlic; cook, uncovered, over medium heat until vegetables are about tender, about 25 minutes. In a separate pot, boil the chicken until cooked through, about 10-15 minutes, until it is no longer pink in the middle; shred. Add the pasta noodles and chicken; simmer until the noodles are just tender, 10-12 minutes. Stir in dill. Cover and refrigerate for up to 2 days. Makes 10 servings. Serving size 1.0 cup. All ingredients can be found at your local Sacramento grocery store.

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Frank Yan of Sacramento on His Cheat Sheet for Debt Relief Options

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Frank Yan of Sacramento posts a related article: It’s Not Yours

If you have a significant amount of credit card or unsecured debt Sacramento resident Frank Yan says it’s often hard to get clear, accurate information about your options. Consumers will find that there isn’t a “perfect option”, but there will definitely be a “best option” for debt relief. It’s important that you take the time to understand the benefits and risks of any debt relief plan before committing.

Here is a summary that Frank Yan put together of available debt relief programs based on $30,000 of credit card debt:

1.Minimum Payments.
The banks prefer you pay only minimum payments. Why? You make them incredibly rich by doing so. This may be the single most harmful financial mistake you can make.
Pros: None
Cons: You’ll end up paying 400-1,000 cents on the dollar for your purchases over 20-30 years.
BE CAREFUL: Money spent towards servicing debt for 20-30 years is MUCH better spent building savings, paying down a mortgage, or funding investments and retirement – ask any financial planer.

Success Rate: 0% (even paying your credit cards off with minimum payments isn’t a success)
Approx. Payoff: Monthly payment of $480: 24 years (288 months). $139,461.

2. Accelerate Payoff with extra principal.
You can pay extra money towards principal every month to pay down your creditors faster.
Pros: Will reduce your total payoff and the time it takes to get out of debt.
Cons: Not many people have extra money these days. You also can’t control what the creditors do with your interest rates or if they apply the money correctly to principal.
BE CAREFUL: This will take the discipline of paying extra every month as long as it takes, which is hard to do. Think of it this way: we all know we’re supposed to go to the gym and work out more, and may even start off good, but do we keep going every month? Knowing what’s good for you and doing it are two different things.

Success Rate: 7%
Approx. Payoff: Monthly Payment of $680: 9 years (108 months). $63,094.

3. Payment Plan.
If you are having financial trouble or miss payments you may be able to negotiate a payment plan with your creditors for 100 cents on the dollar.
Pros: Payoff for less than minimum payments.
Cons: You won’t be able to use your card anymore. Negative impact to credit score. You will have to negotiate this with the bank and they may not approve it.
BE CAREFUL: If you miss even one payment on this plan all of your back interest and late fees may be added in with interest rates as high as 30%

Success Rate: 29%
Approx Payoff: Monthly Payment of $480: 5.5 years (66 months). $30,000.

4. Consumer Credit Counseling Services.
CCCS is a 3rd-party company putting you in a program to pay off your creditors.
Pros: Make only one payment monthly. Don’t receive collection calls.
Cons: Huge fees – sometimes as high as 20%. Another company controls your payments. VERY damaging to your credit score.
BE CAREFUL: There is no huge financial benefit to CCCS that cannot be achieved more efficiently through a repayment plan or debt settlement.

Success Rate: 21%
Approx. Payoff: Monthly Payment of $700: 5-7 years (60-84 months). $51,300.

5. Debt Settlement.
Debt settlement is a legal negotiation where your creditors will take less than what is owed, usually around 30-50%.
Pros: Debt free in18-30 months for the same monthly payment. Most efficient way to pay off your creditors. Voluntary negotiation for your creditors. Recapture monthly payment that can be used for savings, investments, retirement.
Cons: Risk of creditor lawsuits. Settlement negotiations may be higher or lower and can not be guaranteed. Must miss payments resulting in temporary damage to credit score.
BE CAREFUL: Trying it yourself is seldom successful and could land you in court if you are sued. Do not hire a debt settlement company because they charge high fees and set you up to fail. Only hire an attorney who specializes in debt settlement and keep your plan within 2 years or less for best success.

Success Rate: 20-40% if attempted by consumer, 75-99%* if done by qualified attorney
Approx. Payoff:Monthly payment of $480: 1 -2 years (12 to 24 months). $10,000 – $14,000

6. Bankruptcy.
Bankruptcy offers legal protection from your creditors.
Pros: BK gives a fresh start for those who are financially destitute or overwhelmed with debt.
Cons: Complete default for your creditors. WORST thing for your creditors. Hard to get new loans. Can only file once every 6 years.
BE CAREFUL: Chapter 7 bankruptcy wipes out your debt. A Chapter 13 is a repayment plan and may be better accomplished with a debt settlement.

Success Rate: 100% if you qualify
Approx. Payoff:Costs for bankruptcy range from $2,000 – $3,000.

Frank Yan suggest that you contact your local Sacramento credit specialist for more information or a free report: Debt relief options for today’s homeowner or consumer