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Albert Einstein once said that “the hardest thing to understand in the world is income taxes”. I definitely agree with him and I think everyone’s lives would be a lot easier without income taxes. Recently I came upon something called . It is a bill in Congress with a good amount of supporters and its goal is to establish a national consumption tax of 23% and eliminate all income taxes. I went to and read about the bill in detail. I must say that it is an intriguing and revolutionary bill, but is it really a fair tax?

The main point of the FairTax is that rich people spend more money so they will be taxed more. Since it is a tax on consumption instead of of income it encourages saving and investment. There is also a set level of expenditures that are not taxed. For a couple in the continental United States the limit is around $20,000. I do find this attractive because it should encourage people to spend less so that they can keep more. However, I can see how this can backfire and people will spend more than before because their paychecks will look much bigger and they will feel rich. If everyone’s social security and federal taxes were suddenly gone, many people will find their paychecks to be 20 to 30% bigger. That’s a huge increase on paper and psychologically it will induce more spending.

I am also skeptic about this tax because I still think that the rich will benefit more from the plan. There is a basic cost of living for survival no matter where you live. Suppose that amount is $30,000 a year for a couple somewhere in the United States. So they’re not taxed on the first $20,000 they spend and on the next $10000 they need to pay $3000 under the FairTax (The tax is $3000 on $10000 because $3000 is 23% of 13000). Suppose one couple in this area makes $35,000 a year and another couple makes $70,000 a year and they both spend the minimum they need to survive. The couple that makes $35,000 saves $2,000 because they spent $30,000 and paid $3,000 in taxes. The couple that makes $70,000 saves 37,000 instead, and pays the same $3,000 in taxes. The effective tax rate on the poorer couple is 8.6% while the effective tax rate on the richer couple is 4.3%. Is this fair? I think it’s debatable, but under the regular tax system the poorer couple probably could have qualified for a lot more tax cuts. Though, since these couples can’t escape the 7.65% payroll taxes on Social Security and Medicare, even the 8.6% tax rate isn’t too bad. No matter how we cut it, those who have more money will benefit more because they can live on a smaller portion of their income. The FairTax counts on the fact that richer people spend more money, but I don’t think that’s always true.  If you look at Warren Buffet, from all available reports it really seems that he doesn’t spend that much on himself every year, but his investment income is enormous.  If the FairTax were implemented, a gargantuan chunk of tax revenue that could have been collected from frugal billionaires like Warren would be gone.  It’s great for Warren, but is it really feasible for the United States government?

Another thing I don’t consider fair about this tax system is the minimum poverty rate. They really can’t say that $20,000 is the poverty rate throughout the whole country. In expensive counties like San Mateo and San Francisco a couple usually needs more than $20,000 a year just for the necessities. The average rent for a 1 bedroom is around $1000 to $1500 in these counties. If they really wanted to be fair they would adjust the poverty rate for each region. It shouldn’t be so hard because they already have a cost of living system in place for the military where soldiers get different in different parts of the country and world. The same system could be used to adjust the minimum poverty rate in each region.

This tax is also a huge boon to the bottom lines of corporations because the high corporate taxes are eliminated. The FairTax proponents argue that this is a stimulant to the economy because corporations would be able to hire more people and produce more with the income they have. Also, they argue that prices will come down because corporations will no longer have to pay their employees’ social security and medicare taxes so corporations can create cheaper products. Most of this sounds good, but I imagine it would be harder for small businesses to start because there will probably be legal barriers. Also, big corporations probably will not lower their prices just because their costs are lower. The whole point of capitalism is to make as much money as possible. If a consumer is willing to pay $100 for something, a corporation would not mark it down to $50 just because their manufacturing process suddenly became more efficient and they can produce twice as much. A smart corporation would continue to charge $100.

Anyway, this is an issue to watch for in the 2008 elections. has a list of presidential candidates who have stated in public Personally, I am wary of this proposal and I agree with what Giuliani and McCain said. This is a new system that will take a lot of effort to implement and get used to. It also needs to be fleshed out further and looked at more carefully by more people. I doubt that it will be passed in the near future because there is just too much logistics involved. I am glad that people want to change America’s crazily convoluted tax system, but I am afraid that there is really no system that can be simple and equitable to everyone. I think the FairTax is definitely an interesting idea, but it probably won’t get enough support to be passed into law in the state it is in now. Additionally, all 50 state governments will have to agree to it and implement it, and that may be more difficult than just getting it passed in the Congress.

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On Friday I performed an interview for my team at work. My job was to take the candidate to lunch and answer questions the candidate might have and attempt to assess his intelligence and “fit” for our team. This is one of those very rare interviews that actually turned out well and everyone who interviewed the guy liked him and we decided to hire him.

However, I feel like he may not join us because he is actually currently living in Austin, Texas. He said that he went to a nearby open house in Foster City and was shocked to find that a tiny townhouse less than half the size of his home in Texas is listed for $900,000. He used to live in Sacramento many years ago but the cost of living there is nowhere near the craziness of San Mateo. Then we chatted about the Bay Area in general and I said that I actually did some research on Texas and found that I could afford a 40% pay cut and still afford a better standard of living. He agreed with me, and I asked him if he would consider relocating and he said he would probably prefer telecommuting. However, after he finished his 8 hour grueling interview my team lead did mention that he would like all core members to be close to the headquarter and telecommuting from Texas is probably a deal breaker.

I imagine this is happening all over the Silicon Valley. There are a lot of great talent from other states that are interested in the companies here, but are totally put off by the cost of living and the cost of relocating. Additionally, I know dozens of people who are exiting this place due to the same reason. Even though I love the energy and dynamics in this place sometimes I wonder if it’s worth it. Yes, we do have fairly high incomes compared to the rest of the country, but with that we have extremely high taxes and a ridiculously high cost of living. When all the math is worked out, I think many of us who live in the Valley could have better lives elsewhere.

I thought that the job candidate is wise to investigate the cost of living before making a decision. I doubt that he is getting a 70 to 100% pay increase because Austin, Texas is also a very lively city with an abundance of jobs. On one hand, I do want him to join our team, but on the other hand I was honest with him and I want him to make the best decision possible for himself. I really don’t want him to join my company and then regret it and become grumpy!!

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So my hubby and I just finished watching Beauty and the Geek Season 4. This is one of my guilty pleasure shows and it’s about a bunch of socially inept geeks and a crowd of gorgeous people working together to change themselves. The winners are supposed to be the couple that went through the largest transformation. This season one of my husband’s college classmates was on it. At first he would laugh at me when I watch the show and then he saw the lone female geek Nicole Morgan and said, “wait a minute, she looks like my friend Niky”. Then I looked up her bio and indeed she really is my hubby’s former classmate. It was quite amusing when he pulled out his Caltech yearbook and found Nicole’s picture and then commented, “they made her geekier looking for the show.” Since then he has rooted for Nicole to win, but unfortunate the final winner was determined by a vote and I think Nicole’s partner Sam was not very popular with the voting audiences so they lost as a team. The prize is $250,000 split between a couple, and as the host announced the prize he said, “a couple’s life is about to change!” My hubby and I both said along the lines of, “that’s not enough money to change their lives!” So after the show I thought about how much money people would need to change their lives. I thought about the events that defined the state of my life, and perhaps I was wrong to say that half of $250,000 can’t change someone’s life. Here are some ways someone’s life could change and their associated costs.

cialis 5mg best price australia– $125,000 is enough for someone to go to college and get a degree that propels them into a good career. Or it could be used for a professional degree or vocational training that could be used to start a new life.

cialis 5mg best price australia — I think $125,000 can make a big dent in most people’s debt. I truly believe that being free of debt that continually drains you is a good thing that can change people’s lives.

cialis 5mg best price australia- Previously, I wrote about these days. Nevertheless I think it’s important to have a wedding without going into debt. Marriage is absolutely life changing.

cialis 5mg best price australia — One of my friend is pregnant right now and another one had a baby about 1.5 years ago. The process of raising a child could cost up to a million dollars, but every mommy I have met say that having a child changed their perspective on life.

cialis 5mg best price australia– I sincerely hope that donating a bit of money or items every month or year changes someone’s life out there. a flock of chicks for a family in need and feed malnourished children. It really doesn’t take much to change someone’s life by giving.

Everyone’s circumstance is different, but the important thing to remember is how we use our money. We don’t necessarily need millions to change our lives, but we need to be open to change and be willing to direct our resources towards improving our lives. I hope the winners of Beauty and the Geek will use their windfall wisely, and truly change themselves and the world.

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So there is chatter in the news the government worked out a deal with major banks to freeze the adjustable rates on mortgages of many subprime borrowers. The rules are, the loan has to be originated from the beginning of 2005 to July 30th of 2007 and the rate is set to reset in 2008 to 2010. The subprime borrower also have to have a good payment history and live in the home to qualify. So I thought I would do an non-expert analysis on who benefits the most in this situation.

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The biggest winner is the banks that made these loans. Some of the teaser rates for these subprime loans are as high as 8%, so I don’t think the banks are hurting much by collecting a rate thats 16 times the average of national banks interest payout on savings accounts. Additionally, by keeping the borrowers in their homes, the banks do not have to deal with an asset that has depreciated in value. Basically, the banks are saving and earning billions by keeping subprime borrowers up to date with their debt.

The next big winner in this situation is the government. Why? One word: taxes. By keeping these stretched homeowners in their homes the government can continue to collect property taxes. Additionally, since the mortgage rates are not rising the homeowners will have less mortgage interest to deduct on their taxes and that means more tax revenue for the government than they would have had otherwise.

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I don’t consider the homeowners who keep their homes in this plan to be winners. Sure, they get to keep their home, but many of them are so financially stretched that almost their entire income is going to the banks and that is a very stressful situation. In fact, if they weren’t financially stretched, they wouldn’t qualify for the program. This is Secretary Paulson’s outline of the plan:

Paulson offered a general outline of the plan on Monday. He identified four groups of subprime borrowers facing rate increases on their adjustable-rate loans: Those who cannot afford their payments even at the current rate; those who could afford payments at the higher rate; those can refinance into a “sustainable mortgage while keeping investors whole;” and those who can afford their mortgages today but could not at the higher rate.

Only the fourth group would get help.

These homeowners are just indentured servants to a gargantuan money hungry force. Their rates will be frozen for five years, but they will have to keep on paying the price on an asset that has depreciated greatly with all that they have.


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I would count myself amongst “The Angry” because I think the plan is unfair to most consumers and Americans in general. I don’t own a home, but I know many people who took out reasonable fixed rate loans at higher rates than these subprime borrowers, only to see irresponsible behavior rewarded. Additionally, as Paulson said, “those who could afford payments at the higher rate” will not get help. How is that fair? I suppose life just isn’t fair. I think this plan, and other mortgage related bailouts are just further discouraging people from saving money, and living a sustainable lifestyle. I also think the subprime borrowers who had absolutely no equity in their homes would do better just to walk away, save some money and buy a home for a much cheaper price. I know it’s not that easy, but we can’t continue to support this manipulated bubble economy.

Quote Source: San Francisco Chronicle 12/6/2007 This article is a great read that echos some of my thoughts.

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I spent quite a few of my formative years in Honolulu, Hawaii and only moved to the San Francisco Bay Area when I started high school. The middle school project that I remember most clearly was named “The Cost of Living in Paradise”. The Hawaiian Islands is often addressed as paradise, but the cost of living on these islands is very high and so our sixth grade English teacher wanted us to learn about the financial burdens our parents go through. The project worked like the following:

1. We all picked an educational degree out of a hat
2. We all picked a marital status out of a hat
3. We all drew the number of children we had randomly
4. “Married” people were paired up with partners.
5. We had to look in the newspaper classifieds for jobs according to our educational degree. (This was 12 years ago and online job ads were not very common)
6. We had to find housing in the newspaper. (no craigslist yet!)
7. Then based on the pay rate of our “jobs” we set up a budget and calculated how much money we have left at the end of the month.
8. Finally we had to create a poster with all the classfied ads we found and present our budget, and tell the whole class what the cost of living in paradise is.

This is how my fate in paradise turned out. I had a high school diploma and I found a job as a carpet shampooer paying $2000 a month. I was married, and my “husband” happened to be my best friend, who had an associates degree in the culinary arts so he found a job as a chef paying $37,000 a year. It was pretty funny because he was a chubby boy and the whole class laughed and said they could see him as a chef (in reality he is in law school now). Fortunately, we had no kids. The few details I remember about our budget is that our rent was $700 a month, and we had one car and I took the bus to work because public transit is very abundant on the island. We also only budgeted $20 a month for entertainment. In the end we had about $760 left in savings every month.

It sounds so childish when I write about it now, but I remember being very proud of that project because we had the most savings out of the entire class even though we weren’t graded on our savings amount. Some kids budgeted $400 a month for entertainment and $600 a month for clothes and ended up with 0 dollars for savings, and some of the “single” kids said it wasn’t fair that they had less money. Some of the presentations were quite funny,too. For example, a boy explained that he needed to use a lot of money for entertainment to buy the things his parents didn’t buy for him. The takeaway from that project was 1) stay in school to get better paying jobs 2) budgeting lets you see how much you can spend 3) Hawaii is expensive. I don’t think the lesson got through to everyone, but it was still a worthwhile exercise. It is probably the only personal finance lesson I actually had in school, and that’s why I remember it so well. Now that I am really married and working I think I am a little less frugal than my 12 year old self, but I still manage to save a lot with the hubby. On a side note, I sincerely hope the spendthrift kids in my class aren’t living in the zero savings budget they drew when they were 12. Anyway, I think this project can be replicated anywhere with any literate kid and a few newspapers. Of course, it is a lot more fun with more kids in a classroom.

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