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Recently, several personal finance bloggers I read have taken the plunge and quit their jobs. They include The Silicon Valley Blogger at , Trent at , and my fellow peninsula resident . Today my friend asked me how much income I need from blogging to quit my job, and I told him I’d probably be willing to take a gross pay cut of $30000 per year. He then said, “you are willing to take that big of a paycut?” I then sort of explained that it isn’t as a big of a cut as it seems. Here are my reasons why.

best viagra dosageAn extra $30000 ends up being only $15000 after the various taxes I have to pay. (Federal rate 28%, State rate 9.3%, plus social security, sdi, medicare) So really I’m really only taking a pay cut of $15000 take home.

best viagra dosage – I really don’t drive very much. My commute is 9 miles each way and I have a pretty gas efficient Honda Accord that needs to be filled up every two to three weeks. Nevertheless, it costs me over $100 a month to get the fill ups. If I stay home and drive less I can save over $2000 a year on gas and maintenance. So that $15000 I am losing now becomes $13000.

best viagra dosage- Out of convenience we still go out to eat a lot these days. We come home between 7 to 8pm and just don’t have the time or will to cook. Sometimes we cook some simple salads and pasta, but the other times we go out to eat. If I do stay home I will be able to cook more and save a lot of money on food. I will have time to coupon clip and be even cheaper. The savings there could add up to another $2000 to $3000 a year. (We spend around $200 to $400 a month eating out right now)

best viagra dosage- These days I blog on my lunch hour or when I get home. It takes a lot of time to write anything coherent and informative. If I could concentrate on writing more I could grow my income stream better. Then the paycut would become smaller every day.

Unfortunately, I am nowhere near the income I would get if I took a $30000 paycut and if I quit my job now it would be pretty devastating. Another thing is that I would probably have to pay some money for health insurance if I were to get on my husband’s plan. The good news is that February is the best month year in terms of income and exposure for my blogging. I have already gotten $250 through various sources and I hope March is just as good or even better. Write on bloggers! Maybe one day you can quit your job like these brave souls I mentioned at the beginning of the post!

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Yup, I finally got picked to host by Flexo! The current carnival is going on at and includes my article on sweepstaking. The two carnivals I have hosted in the past are and . However, The Carnival of Personal Finance would be the largest carnival I will ever host! I hope I don’t disappoint all of you. Anyway, if you want to be included, . I will be reading the new posts soon enough.

In other blog related news, my article about on Wise Bread was picked up by Lifehacker! I actually really liked this article so I am glad a lot of others liked it too. Additionally, my article about has 95 diggs right now! Though, I’m not sure if it will make it to the front page. Digg is pretty weird these days because I saw a lame picture with 44 diggs making it to the front page while a good article about foods took 260+ diggs. It’s pretty unjust in many cases.

Hope you are having a nice Monday, I am thinking of translating more of later.

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You would think that people with less income are less inclined to give away their money, but according to that is not the case:

The 2000 Social Capital Community Benchmark Survey shows that households with incomes below $20,000 gave a higher percentage of their earnings to charity than did any other income group: 4.6 percent, on average. As income increased, the percentage given away declined: Households earning between $50,000 and $100,000 donated 2.5 percent or less. Only at high income levels did the percentage begin to rise again: For households with incomes over $100,000, the number was 3.1 percent.

What is more interesting is that those who say they cannot afford donations are those who are mostly upper middle income. I wonder why this is the case. Are we in the upper middle class just more in love with our money? In the article they mention that religion is a big influence on the poor and it did remind me of the story in Mark where Jesus observed the donations of people in the temple.

“And He sat down opposite the treasury, and began observing how the multitude were putting money into the treasury; and many rich people were putting in large sums. And a poor widow came and put in two small copper coins, which amount to a cent. And calling His disciples to Him, He said to them, ‘Truly I say to you, this poor widow put in more than all the contributors to the treasury; for they all put in out of their surplus, but she, out of her poverty, put in all she owned, all she had to live on.’” (Mark 12:41-44)

I really love that story because it shows that the amount of money donated doesn’t matter, but it’s the heart that matters. If you feel that you can give, it wouldn’t hurt you to give. Some may say that it is foolishness for the lower income families to try to help others when they don’t have enough for themselves, but I think that a lower income doesn’t mean that these people have less sense in money management. Actually when you are poor you are forced to be frugal, and I have lived through that. You learn to get the most out of every dollar when you are smack in the middle of that environment. Just because someone has a lower income it doesn’t mean they have less of a surplus than those who make a lot more than them.

Another thing they teach in Christian churches is that God will provide and all money belongs to God, so giving away money isn’t a painful thing. I definitely believe that God has provided for my family so much more than I can ever give away. After all, money can’t be taken with me when I die anyway. I am really not surprised that the poor give away more money than the rich if most of them are taught the tenets of the Bible. I think generally the more money you have the more you become attached to it, and you manage and nurture it so much that you are afraid you would lose it. However, if you are poor, you are not afraid of losing your nonexistent fortunes. Additionally, when you are too blessed with wealth God gets kicked to the curbside so His teachings become less important. Money makes you feel powerful in a very human and worldly way and it is not always good.

Donating was hard for me at first because I come from a family that doesn’t donate very much. Since going to my current church I started to donate a little bit of money at first, and then a bit more, and then I sought out places to donate money to. I found that once you are willing to donate you can do it without feeling squeamish about handing out money. My parents say that my husband and I donate way too much money but really I don’t miss the money we give away at all. Since I don’t miss it I know it would benefit others more than it would benefit me.

Anyway, those are my random thoughts of the day. Have a great weekend!

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Today I read a rather interesting article on Yahoo about how the digital age has made a lot of our work less satisfying.  A lot of us do not see what we are producing since our products are less tangible.  For example, managers’ jobs usually consist of drawing up charts and scheduling meetings.  While in the past people made things like chairs and car parts.  The fact that a lot of our work these days are virtual and intangible makes it less meaningful to people.  This made me wonder, what makes my work meaningful?

So, let me explain a bit what I do on a daily basis.  I write scripts and programs that build and package lines of code into executable installers and installable packages.  When you buy a software program and insert a  CD into a computer usually an installer comes up, and well, I’m the the type of engineer that makes those CDs.  It is pretty tedious work, and the products are real, but intangible in the sense that I can’t really touch the program I compiled.  Though on most days I do find my job meaningful because the installers and builds I create are being used by people all over the world.  Sometimes it is hard to explain what I do to people who are not in software.  For example, my grandparents have no idea what I do, and I have no idea how to describe my job in Chinese.  So I just tell them I work with computers.

Before I became a release engineer I was a QA engineer for a couple years, and it is another fairly tedious job, but quite fun when you nail a nasty bug.  What is not fun is to do long performance tests without getting conclusive results.  I  really think that QA engineers are extremely important.   The problem is that QA engineers seem to be less respected for the most part in the software industry.  One time I had an interview where the interviewers were quite impressed with me, and then asked me why I became a QA engineer like it was a bad thing.  I was actually kind of offended and didn’t take their offer. So I think a job is also more meaningful when it is a respected profession.

Right now I find writing blog articles to be quite fun and meaningful, because I can read what I write, and thousands of other people read my thoughts everyday.  I wouldn’t really call it work because it is a hobby, but if I were given the opportunity to write full time I would totally do it.

That’s the end of my rant. What makes your work meaningful?

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After we moved to Popo’s house, I sent my daughter to the nearby Queen Liliuokalani Elementary for school. I walked into a Chinese restaurant because I have often heard in China that Chinese students worked in restaurants. Even if my English were poor I could still wash dishes and earn a bit of money for tuition.

When I walked into the restaurant I met a Chinese host. I asked him if they needed people to help with the dishwashing. He sized me up from head to toe and knew that I was probably a student from mainland China. He said that they did not need anyone at the moment, and if I were a student I would need a work permit from the school. I was disappointed and wallowed a bit at home. I thought to myself even though our family is reunited, I did not have a job or money for school. In fact, it is hard for me to get any job at all. What should I do?

Helen has a friend who works as a saleswoman at the world renowned International Marketplace in Waikiki. She suggested that I try my luck there. So on the third day of arriving in Hawaii, I took the bus to Waikiki. Waikiki means “spouting water”, and indicates that the rivers and waterfalls flow into the ocean. It is an extremely popular white sand beach that is more than one mile long. Along the beach there are many expensive hotels such as Hilton,Sheraton, and Hyatt.

Waikiki is also surrounded by a forest of restaurants and shops. In the center of it all there is a massive attraction called the International Marketplace. This place has many small shops where tourists can buy souvenirs. Additionally there is a food court where people can taste foods from all around the world. In this marketplace there is a small lane that is approximately 150 meters, and it is known as “Duke’s Lane”. On both sides of the lane there are small shops that sold souvenirs. These souvenirs included gold and silver jewelry, crystal, wood carvings, and other random knick knacks associated with Hawaii. For example, there are little toy hula girls. Additionally there are shops that sell exclusively T-shirts or beach towels. Basically it is a market full of small time entrepreneurs.

Because Duke’s Lane is directly in the path from several large hotels to the beach, the business from tourists is usually red hot. In this lane most of the shop owners are Korean. Korean women are very diligent and outgoing and many of them spoke Japanese because Japan occupied them for a fairly long time. Besides Korean people, about 1/5 of the store owners were Chinese. Most of them were Vietnamese Chinese or Taiwanese with the exception of one mainland Chinese man who came to Hawaii in the early 80s as an international student.

I stepped off the bus and walked into this narrow lane. The Koreans on both sides thought that I was Japanese and started hollering in Japanese.

“Misetekudasai. Ima, 非常 yasui!” (Please take a look, right now it’s very cheap!) (Note: My dad wrote the Japanese part phonetically in Chinese. He took Japanese for a while in China so he understood these saleswomen. I only took Japanese for a year so I’m not sure if I transliterated it back correctly. Please correct us if you could. This is the original Chinese transliteration of the Japanese my dad wrote “best viagra dosagebest viagra dosagebest viagra dosagebest viagra dosagebest viagra dosagebest viagra dosagebest viagra dosagebest viagra dosage)

“Umiyagi takusan arimasu” (There are a lot of souvenirs!)

These Korean girls would yell as they pulled you towards their stores. At that time I did not have the heart or money to buy any travel souvenirs. Even though I understood them I pretended that I didn’t, and kept on walking as I shook my head. A Korean girl still wanted me to go to her store, and I suddenly said in Chinese, “I don’t want to!” Now they knew that I was not a rich Japanese tourist, and stopped their yelling. That was in the early 90s, but now things have changed. Recently I heard from friends in Hawaii that now many Chinese people are spending fists full of money in Hawaii. Now I think perhaps these Korean women are learning Chinese.

To be continued!

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