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I don’t write much about politics, because I absolutely loathe it. I am also not an American citizen so my opinion doesn’t count in this country anyway. Nevertheless, I have no idea why anyone would want to be the next president of America right now.  With everything that is happening, it truly is a horrible time to be president.  Here are some of my predictions of what would happen regardless of which candidate gets elected.

viagra 100mg side effects – How is it possible that America could wage an extremely expensive war for five years and cut taxes?  I’m not sure how the government does its accounting, but it did borrow a crapload of money from the rest of the world to fund this multi-trillion dollar war.  The war is funded on debt, and Americans have not really started paying for it. The interest on the debt will pile on, and we will be paying for it for years to come.  Taxes will increase either because the Bush tax cuts expire in 2010 or because the next president will just have no choice but to raise taxes and pay down some of that debt.

viagra 100mg side effects- This is really anecdotal, but yesterday I walked around downtown San Mateo and at least three shops and restaurants were out of business.  One restaurant just said, “LOST OUR LEASE” on the door. The recession is really just beginning, and usually in an election year the government does whatever it could to prop up the stock market, but once the next president gets up to serve it will come crashing down.

viagra 100mg side effects – Of course the NAR is calling a bottom now that housing sales went up a measly 2.9% nationally in February. They are not highlighting the fact that this February was a whole day longer than last year, which means that the month was 3.5% longer.  Prices were down 8.2% and housing sales still declined in the west. I am not sure if the bottom will come in the next presidential term, but the housing market will definitely decline a bit more.

viagra 100mg side effects – It is unfortunate, but I don’t think the war in Iraq will be over as soon as the democrats promise.  The Americans are just too entrenched in that country to suddenly pull out.

Whoever the next president is, God help him/her.  I really think that a major problem with American politics is that power changes hands every four years so that every president tend to do short term fixes and make his/her four years look as glorious as possible and leave the seething crapbag to the next person in line.   The entire system fits with the American culture of “I want it right here right now”, and that results in policies that borrow against the future. For example, billions of dollars have been taken out of Social Security in the last couple decades to pay for operating expenses. Unfortunately, I don’t think this prevailing attitude and policy of sealing mortal wounds with bandages would change with new leadership.

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Even though this is old news, I couldn’t believe what I read.  A company in Oak Park called Chicago Spectro Service Laboratory Inc. created phony statements every year and lied about the contributions they made to their employees’ profit sharing plan.  The result is that an engineer who worked for them for 30 years found out that instead of $200,000 he had nothing in his retirement fund. The engineer had to endure five years of litigation to get a settlement that paid him $3000 a month.  Apparently theft from 401ks and other pension plans is quite common in small companies where the plans are not audited. So what can you do about it?

viagra 100mg side effects – Obviously, when your company actually fakes the statements this would not help.  However, you can still check for irregularities.  For example, does the contribution on the statement match what is deducted on your paycheck?  Some companies steal money by withholding your contributions.  Basically, they deduct the money from your check and never deposit it.

viagra 100mg side effects – No matter what you invest in for your retirement plans, you should know approximately how much you have.  It could fluctuate according to the market, but any fluctuations that are larger than normal should be looked at.  It could be possible that your company withdrew money from your account.

viagra 100mg side effects – Some shady companies do deposit their employees’ money, but they do it very slowly and collect the float on the money they take.  By law your money should be deposited into your account by the 15th of the month following the deduction.  Federal regulators are thinking of shortening this deposit period to seven days after the deduction because too many companies are waiting until the last minute and shafting their employees.

viagra 100mg side effects- A recent case where an employee sued his company for mismanaging his 401k is due to the company’s negligence in carrying out his instructions to move his investments.  This kind of incompetence is pretty common, and you have to check that your retirement plan administrator follows your instructions through statements and paystubs.  For example, my hubby had to bug his HR repeatedly to get his 401k contribution percentage changed. The process should have taken just one or two paycycles, but instead it took about 3 months because his HR just neglected his request.

viagra 100mg side effects – It seems that quite a few companies raided their employees’ 401ks due to their own financial troubles.  If it seems that your company is dying out, it might be best to leave the company and take your money with you in a rollover IRA.  You have more control of your money with your own IRA and you have more investment options.

The good news is that most companies with more than 100 employees generally have their retirement programs audited yearly.  If your account is in a reputable financial firm such as Fidelity or Vanguard you also have less to worry about because these financial firms will do a lot to protect their own reputations. It is a shame that some employers would betray the trust of their employees and raid their nest eggs, but stealing and embezzlement is against the law  and if you discover such illegal activity you should blow the whistle for the good of your retirement.

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Recently I read an article about financial planners talking with their clients about their childhood.  The point is that events that happened in childhood often shape how we manage our money.  So I thought about it, and I took a trip down memory lane. Here are a couple of my most distinct childhood memories about money, and how they relate to how I manage money now.
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When I was 4 or 5 my mom sent me to the corner store to buy a box of crayons.  I think it cost about 8 fen (1 fen is 1/100th of a yuan, the official currency of China).  So I clutched the coins in my hand and walked to the store. When I got to the store I laid down my money and asked for the box of crayons, and the storekeeper told me that I didn’t have enough money!  It seems that I lost a couple coins on the way. So I walked home with the coins I had and told my mom.  My mom gave me a couple more coins and told me to try again.  So once again I skipped and hopped to the store.  I put down my coins again, and unfortunately I didn’t have enough money again.  So I sulked a little and went home.  My mom laughed at me a bit, and decided to come along.  She asked me where I walked and I showed her, and she found the three or four coins I dropped.  Finally I got my box of crayons with my mom’s help.

I still sort of remember the fence I walked by and the grass I hopped on, and my mom repeats this story ad nauseum to whoever would listen because she thinks it’s hilariously cute.  I think this is an incident that made me wary of carrying cash in my hands. It has been twenty years since it has happened, but I still don’t like carrying a lot of cash because I fear I would lose it. Another habit instilled by this event is that I look at the ground .

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When I was about 12 my family lived in Hawaii, and we were quite low income because my parents were both immigrant graduate students. My dad tells the story of being a minimum wage souvenir salesman .  Anyway, we needed some photos developed and my dad went to the supermarket and dropped off the film. They had an advertisement that said if you choose express developing and they don’t deliver the film by 9am then they will give you the photos for free.  My dad fell for the advertisement and ordered express development.  Then the next day he sent me to pick up the photos.  Usually it cost $4 to $5 to develop a roll, but because of my dad’s folly the final bill came out to be $11.29 or something.  I handed over the money on the verge of tears because it just felt like I lost something.  Then I went home with the photos and cried.  Then my mom asked me why I was crying and I said that dad made us pay extra money for photos.  She kind of laughed at me again, but chided my dad a little bit for falling for the supermarket’s ploy and making me cry.

Of course, these days my mom makes fun of me for this incident, too.  I cried because I felt tricked, but also because I knew that money was hard to come by in my family at that time.  This was a time when we bought the overripened produce and clipped every coupon to survive, and $11 was a lot of money. Because of this incident I am very against paying for extras tacked on by stores and anything that is “express” or “premium”.  For example, I don’t buy extra warranties offered by stores, and I always just get the cheapest or free shipping.

Anyway, this post was very therapeutic for me and I hope you were amused by it. It is kind of funny to look back, but these memories do explain why I have such a cautious and frugal attitude towards money.  What are some of your childhood memories about money? Do they explain how you treat money now?viagra 100mg side effects

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Today a couple of our friends shared their testimonies for Easter, and it was quite moving. They are a very young couple that moved here to San Mateo from Alberquerque because they felt called to be here. They said that they did not really think much about the cost of living here, even though the husband read an article about the Silicon Valley that described a couple making over $100,000 a year living in a homeless shelter. Even so, they said that God provided for them every step of the way, and I have really seen how their living situation has improved in the past few years. Their testimony really made me think about what the phrase “God provides” really means, and here are my thoughts.

If you have seen the movie , the little boy in there tells a pretty funny joke about a man and God’s grace. It went something like this:

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I think the joke aptly illustrates that in many instances we don’t recognize what God is providing us and we don’t take the opportunity. God brings relationships and events into our lives that could change our lives completely, but it is up to us to be obedient and work on what God initiates. My friends that shared their life stories today didn’t just sit on their butts once they moved here and waited for God to drop a sack of money in their laps. They worked on what they were given and continued to improve their situation and they are leaps and bounds from where they were before.

I think another reason why we do not recognize God’s work is that we tend to think that a miracle should be a grand gesture as big as winning the lottery. In fact God provides us opportunities everyday that seem completely normal and even insignificant. It is up to us to be discerning enough to develop the leads that are meant for us, and be appreciative of the results.

Anyway, I hope you all had a wonderful Easter weekend!

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In my last company I was used to getting monetary bonuses based on my performance reviews. Don’t get me wrong, I love bonus checks, but after getting them as a routine they lose a bit of their luster. When a bonus check is smaller than usual it is also hard to appreciate the fact that it is a bonus. I usually just save my bonuses like my regular salary, and that’s that.

My husband’s company deals with bonuses in another manner. He has never gotten a bonus check as large as mine, but he has gotten awesome schwag. Since he joined the company they have given him a free Xbox 360 and a Wii gaming system. We play with the Xbox quite often and it is something we would not have bought if it weren’t free. We gave the Wii to a friend because we already had a system, but it was still a very nice gift from the company.

Today he dropped a bomb on me and told me that his company is sponsoring a weekend trip for all employees plus one to Vegas. We will also get some spending cash for the weekend. I am so ridiculously excited about this trip that the cockles of my heart are aglow like a supernova. I have never been to the Strip in Vegas before and I just feel like I won a huge prize right now. In actuality, it is a bonus for the hubby’s work, but the truth is that I think I would not be as excited and happy if he just brought home an extra check because we are really in no dire need for extra money. This is a trip we would have not taken if his company were not sponsoring it, and that is a real bonus.

My mom is also a recipient of non-monetary bonuses in the past. Her last company was tiny and the owner is extremely generous. He often had awesome parties with the most amazing food. They were also flown to New York one summer just to visit the boss’s house and have a party.

I think sometimes experiences and things are more memorable as bonuses than money, and could help a company win the loyalty of its employees without costing all that much. For example, an Xbox 360 system is about $300 to $400, and we are still loving it. We tell our friends that the hubby’s company just gave it to him, and they are all impressed by it. On the other hand, telling a friend that you got a $400 monetary bonus isn’t all that memorable or impressive.

So which bonus would make you love your company more? A $5000 check or a trip to Hawaii?

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