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Hello everyone, welcome to my blog for the 142th edition of ! There were over 100 submissions this week and it took me quite a while to read them and I cut the list down to a bit over 80 posts. Even though my blog is called I have never written about the homeless. So for today’s carnival I will highlight some myths and facts about homeless in America, and hopefully raise awareness about this important issue.

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  1. cialis alternatives gives some I would definitely teach my future child(ren) both Chinese and English. This article gives some good reasons why foreign language skills are helpful to almost anyone.
  2. cialis alternatives relates his passion (ultrarunning) to his young financial journey in
  3. cialis alternatives presents . She writes in detail about how to choose a financial adviser.
  4. cialis alternatives presents . This post really amused me and I want to train my future child like this too.
  5. cialis alternatives helped his friend break down the benefits of a job offer in Australia in I think Smarty’s friend made a good choice.
  6. cialis alternatives writes about the financial aspects about having a real monkey as a pet in . I was seriously amused by this article. As with any pet, you do need to figure out the financial consequences of owning one.
  7. cialis alternatives presents , and says, “Could you tell your financial life story in only 6 words? How about ‘We budgeted, saved, and retired early!’ Or ‘Bought high, sold low, smacked forehead.’ Or “Must mend holes in my pockets!’” This is a collection of short and funny money stories by Madame X and her commenters.
  8. cialis alternatives presents . Each of the random thoughts in this article is a tiny bite of wisdom that can help you build wealth in your life. Read it for some great insights!

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  • cialis alternatives Cities that set up services for the homeless will attract large amounts of homeless people.
  • cialis alternatives Many homeless people move to search for jobs or family, and not for public services. In fact most still live in the city they became homeless.
  1. cialis alternatives brings us . This is a very well written article about hard work, persistence, and optimism.
  2. cialis alternatives thinks that a budget is a key to financial independence and sends us this post, the first in a series about funding your life.
  3. cialis alternatives gives us some step by step instructions on budgeting in this post:
  4. cialis alternatives presents

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  • cialis alternatives Most homeless people do not work and are on welfare.
  • cialis alternatives Many homeless people have full time jobs but cannot afford to pay rent or purchase a home. A survey in 1987 found that most homeless people do not receive public assistance.
  1. cialis alternativespresents This is a good guide on how to build your own wealth by working for yourself.
  2. cialis alternatives presents I couldn’t agree more with this article. When I was in college I did multiple internships and that helped me tremendously when I tried to find jobs later in life.
  3. cialis alternatives presents This post includes a graph of the earnings by Americans in different age brackets. The data is quite interesting to look at.
  4. cialis alternatives writes . This is a very basic article on how to get a better salary, and it should be helpful for those who are always afraid of salary negotiations.
  5. cialis alternatives asks ? In some family situations a second income doesn’t add much, but for couples who have similar incomes it is advantageous to have two incomes.

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  • cialis alternatives Homeless people are mostly dangerous and violent criminals.
  • cialis alternatives A study conducted by John Hopkins found that homeless people are more likely to be arrested for non-violent crimes, but actually commit significantly less violent crimes against property or people.
  1. cialis alternatives noticed that since the subprime mess credit card rates actually started increasing! Read more in his post:
  2. cialis alternatives offers us a look into some new startups as well as other options for obtaining your credit score and report in his post titled It seems that the services offered by some of these companies are promising.
  3. cialis alternatives presents . This is a good primer on what affects your FICO score, which is used to determine many things in your life.
  4. cialis alternatives presents . This post wonders if the five star rating for credit cards as proposed by Senator Obama is a good idea.

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  • cialis alternatives Homeless people choose their lifestyle and do not want help.
  • cialis alternatives A portion of homeless people are mentally ill or suffer from some serious addiction. Others suffered some serious illness and lost their jobs. Many battered women are also homeless. Most of them do want assistance.
  1. cialis alternatives: Free at 45 rants in this article I totally agree with this guy because I can’t believe how some people think that a mortgage is not debt but an asset.
  2. cialis alternatives discusses the reality of a situation where you have to skip meals to pay rent.
  3. cialis alternatives explores the ‘shopping beast’ that resides within many of us in .
  4. cialis alternatives presents , and says, “A working, realistic budget was the tool I needed to get me and my family out of consumer debt!”

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  • cialis alternatives Homeless people is a static population that does not change very much.
  • cialis alternatives Research shows that 40% of homeless people are homeless for less than 6 months, and 70% have been homeless for less than two years.
  1. cialis alternatives gives us a neat little calculator to estimate our own personal inflation rate in the following article: .
  2. cialis alternatives presents Megan is learning what the Federal Reserve is all about. I think everyone should look into learning more about this powerful organization.

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  • cialis alternatives San Francisco, CA is towards homeless people. Many laws are enacted in cities across United States against the survival of the homeless.
  1. cialis alternativesis a retirement plan administrator and gives us tips oncialis alternatives.
  2. cialis alternatives The Wisdom Journal presents
  3. cialis alternativestells his personal story of debt titled
  4. cialis alternatives tries to explain all the numbers associated with tax deferred retirement plans out there in this post Frankly I am still kind of confused after reading this.
  5. cialis alternatives gives some tips on how the Federal interest rates affect our personal finance in .
  6. cialis alternatives presents This is a simple and precise checklist on what your spouse should do in the event you die.
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  • cialis alternatives About 20% of homeless children do not attend school. Those who do attend schools switch often and has a less stable learning environment than housed children.
  1. cialis alternatives gives us some very helpful tips to trim down the grocery bills in
  2. cialis alternatives presents This is a short and sweet post about using candles to make a space warmer.
  3. cialis alternatives writes about her struggles to be content with less on a birthday in the following post . I think it is silly to make a big deal about getting older, and I agree with her that you don’t need to have a giant celebration every year.
  4. cialis alternatives wonders if it is better to pay lots of money for designer furniture or buy knock offs for a fraction of the cost in .
  5. cialis alternatives questions whether buying organic food is worthwhile in the following article:
  6. cialis alternatives spent some quality time with his new wifey by . He saved some money, too!
  7. cialis alternatives says that you should concentrate on reducing your three largest expenses: housing, transportation, and taxes. Read more: .

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  • cialis alternatives Homelessness is only prevalent in large cities.
  • cialis alternativesThere are a lot less shelters in rural areas so the homeless are less visible and live mostly in cars and campers. The truth is that there are homeless people everywhere.
  1. cialis alternatives thinks you should open a Roth IRA immediately, and offers great advice on how you can open an account and start investing in the following article:
  2. cialis alternatives has an excellent post on how consistency in returns beats sporadically large returns when you are
  3. cialis alternatives presents and comments, “I realized a very sad truth about investing; Small investors cannot really hope getting steady two digits returns. Small investors are usually not made to invest plain and simple.” I think this article needs to be read by everyone who believes that they will get 10 to 12 percent returns every year.
  4. cialis alternatives presents Gold prices have soared in the last couple years and Tushar has some ideas on how you can profit. I am still kicking myself for not buying more gold Panda coins from China.
  5. cialis alternatives presents . This is another article about precious metals and how you can profit from them.
  6. cialis alternativespresents , and says, “Yield on Cost (YOC) is an important metric, worthy of tracking on each of your individual dividend income investments.
  7. cialis alternatives presents .
  8. cialis alternatives examines the conventional wisdom that dividend increases are always a good thing for investors in . Some companies could have stock prices that stall but the dividends increase. Is that always desired?
  9. cialis alternatives gives us a primer to exchange traded funds in
  10. cialis alternatives gives a nice breakdown of what I-bonds are in I own some I-bonds and they are definitely a safe investment. I treat it as a CD, and since I don’t have to pay state taxes on the gains the yields are quite good.
  11. cialis alternatives gives us something to think about when we are considering a 401k rollover with this article:
  12. cialis alternatives presents . This is a simple article that gives you some common sense tips on how to become a better investor.
  13. cialis alternativeshas a thought provoking about investments and genocid:
  14. cialis alternatives writes and argues that 529s are great for young professionals to save for an educational fund for themselves.
  15. cialis alternatives Well tells us . However, I think the same can be said for any investment because you are never rarely guaranteed to make money.

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  • cialis alternativesAll homeless people are adultscialis alternatives
  • cialis alternativesThe typical homeless person on the San Mateo Peninsula is just 5 years old. In fact, nationally the fastest-growing segment of the homeless population is families with children. About 39% of all homeless people in 2003 are youths under the age of 18. cialis alternatives
  1. cialis alternativespresents Apparently a CSA is a community farming association where you can buy foods locally. It sounds pretty interesting and I wonder if there is something near me.
  2. cialis alternatives shows us how to save time with an online billpay service in
  3. cialis alternatives explains the difference between the AGI and MAGI in this informative article:
  4. cialis alternatives presents , and says, “Too many kids just aren’t prepared for life after college. A big part of this lays on the parents shoulders. The article makes the
    case that kids may be better off paying there own way through school, even if it takes longer to graduate.”
  5. cialis alternatives presents This article uses the metaphor of an aircraft carrier to describe personal finance habits.
  6. cialis alternatives gives us a list of There is definitely light at the end of the tunnel for those of you in debt!
  7. cialis alternatives gives us his insights about people’s attitudes towards money in this article:
  8. cialis alternatives writes about Michael Jackson and how even wealthy folks are not beyond making horrible financial mistakes. Read his comments in
  9. cialis alternatives has some good tips on how to save money just by taking care of what you have. Read more in
  10. cialis alternatives gives the steps Dave Ramsey teaches for financial independence in
  11. cialis alternatives gives us a collection of 29 personal finance moves people can make in honor of leap day at .
  12. cialis alternativesrecounts the most important choices in his life and how they made him successful at.
  13. cialis alternatives presents
  14. cialis alternatives gives some compelling
  15. cialis alternativespresents . This is a short article about keeping snowflakes against debt special, and not a part of the budget. Only by keeping them special can you pay extra towards your debt.
  16. cialis alternatives tells us how he used
  17. cialis alternatives has completed step 3 of Dave Ramsey’s baby steps and
  18. cialis alternatives writes Borrowing money from friends can be tricky business. These rules may help you keep a relationship intact.

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  • cialis alternatives Homelessness has risen in America in the past 20 to 25 years because of the decrease in affordable housing and the decline of real wages.
  1. cialis alternatives gives us some common sense tips for saving money on a mortgage .
  2. cialis alternatives writes about the debate people have about whether or not a mortgage should be paid off as soon as possible. Read more at
  3. cialis alternativesy has some good tips for home buyers in this post:
  4. cialis alternativesgives some good advice about refinancing in
  5. cialis alternatives writes about . I’m not sure how many people this program will help, but the information is quite solid.

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  • cialis alternatives Many homeless people are eligible for the Earned Income Tax Credit on their tax return but are not aware of the resource.
  1. cialis alternatives tells us some and exposes the loopholes in the system.
  2. cialis alternatives gives us some expert advice on taxes and children: s. She says, “Got kids? You might — or might not — be able to get an extra $300 in tax rebate money for each of your youngsters
  3. cialis alternatives teaches us This is a good article for anyone who hates taxes.

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  • cialis alternativesI can’t do anything about homeless people.cialis alternatives
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  1. cialis alternatives presents This article is a discourse on why trying to make money fast is not always wise. Apparently my favorite failure Casey Serin is back at his get rich quick schemes.
  2. cialis alternativespresents This article certainly makes you feel a little bit paranoid about where you are sending your private information!
  3. cialis alternatives teaches us
  4. cialis alternatives writes about a personal finance book he enjoyed in
  5. cialis alternatives recounts the story of her mother’s death and shows that we all need to have our finances organized and have a will to take care of those left behind. Read more: ?
  6. cialis alternatives in this eye opening article:
  7. cialis alternatives highlights a concept I have never heard of. Apparently there are “concierge doctors” that charge people a fee for the privilege to be their patients. Read the post for details! .
  8. cialis alternatives discusses the cost of removing snow in .
  9. cialis alternativesgives us an excellent worksheet about life insurance in

That is all for this wonderful carnival and thank you all for writing so many informative, amusing, and thoughtful articles! I have learned a lot about personal finance and the homeless this week. for next week and my favorite Canadians will host the carnival at: .

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When I saw that most of the salespeople nearby were young females I became a little disheartened.  I was afraid that I went there for nothing and wasted a whole $0.75 for the bus.  After I walked past eight or nine stores I saw a middle aged man standing in front of a shop.  I figured out that he is Korean from his face shape.  So I went up to him and muttered in broken English, “Do you need a salesman?”

He looked at me as if he were startled, and then shook his head and said, “No, I don’t need a salesman.  I need a salesgirl.”

I didn’t give up, and continued to walk forward.  I asked a few more Korean managers if they wanted help, and all the responses were “NO”.  Finally I was at the middle of the lane, and I saw a 30 something storekeeper who looked Chinese.  I looked at his products, and they were mostly crystal baubles like pineapples, dolphins, volcanoes, and coconut trees.  Besides crystal products, he sells  some perfume and Hawaiian print bags.  Additionally he had some Chinese imports such as exercise balls and other random knick knacks.

When I was in front of his shop, I heard the storekeep speaking to a teenage looking salegirl in the Chinese I am familiar with, “Ah-Mei, today the business is very light!”

The girl named Ah-Mei replied, “It sure is, until now I still haven’t sold anything.  Peter, how about you?”

Peter said, “I only sold a bottle of perfume. The business is so light that I don’t want to continue working.  However Meilan just had a child and only works four and a half shifts a week now.  My wife also returned to Taiwan so I have no choice but to work here.”

When I heard their dialog, I felt that it was my chance.  Because they spoke Chinese I didn’t feel shy.

I walked up to Peter and said, “Sir, do you need help?”

Peter said to me, “Oh, do you have experience in selling things?”  This was my third day in America, and of course I didn’t have any sales experience.

I had a sudden flash of inspiration and pulled out a business card from my university.  I told Peter that in China  I was the assistant department head of the Economics department, and I was also a professor.  I told him that of course I had sales experience, because that is a skill I teach my students.  Actually, this is a half truth because even though I have students that became businessmen, I really haven’t had actual experience outside of the school.  In school everything is theory in books, and I have never actually sold a single thing before.

Peter picked up my business card and read the titles I had printed in both Chinese and English.  Then he looked at me from head to toe and saw that I was clean cut and quite energetic.  He didn’t reject me right away like all the Koreans, and seemed a little bit interested.  At this moment a Caucasian couple walked to the store and started to peruse the goods.  Peter started to talk to the customers right away.  The woman seemed interested in the perfumes, and Peter immediately brought two bottles from his shelf for the customer.  The man didn’t seem to have any interest in buying things, and looked at the various products in the store.

When Peter was working on selling to the woman, I targeted the man.  When I saw that he seemed to be curious about a pair of exercise balls with a dragon design, I walked up and picked up the balls and started to roll them in my hand.  The exercise balls had tiny bells in their centers and when you played with them they would make ringing sounds.  My performance piqued the interest of this man.

“What is this?” He asked.

“These two balls are good for your health.” I told him.

“Really?”  He seemed a bit surprised.

It seems that the man was really interested, but I didn’t know much English.  However, I have been a professor for many years and I was used to giving a performance.  So I rolled the balls in my hands more quickly and more loudly.  When I saw this man was quite mesmerized by my performance I stopped playing with them and asked him, “could you turn around?”

He turned around and I started to roll the balls on his back, and as I rolled them I asked, “very comfortable?”

He nodded his head and said, “Oh, it’s massage, good, fast, faster!”

Finally he was conquered by my performance, and asked, “How much?”

Peter was negotiating with the woman, but he was also paying attention to what I was doing.  When he saw that the man was asking for a price, he said to me in Chinese, “just give it to him for ten dollars, if he haggles, you can give him a little discount.”

Now I remembered the rule about setting prices that I learned at school.  The idea is that you should “wear a three feet tall hat and let them take a cut.”  So I said to that man, “fifteen dollars a pair, and you also get a very nice box.”

That man must have known that in a street market haggling is normal.  So he said to me, “how about eight dollars?”

I replied, “eight dollars is a little bit too low, how about ten dollars?”

That man replied, “Ok, ten dollars.”

At the same time, Peter reached an agreement with the woman, and sold a bottle of perfume for 50 dollars.  That woman told her man to pay, and the man pulled out an one hundred dollar bill and said to Peter, “the total is sixty dollars, just give me back forty.”

Peter was quite happy, and as he got change he said to them, “you guys got a very good deal.  Thanks and come back again!”

When this couple left, Peter said to me, “come back here for a moment, I have something to say to you.”  Peter didn’t want Ah-Mei from the other shop to hear what we were discussing.  At that moment I knew there was hope that I found a job.  He said to me, “how about this, you come to work at 4pm, and I will have Meilan call you.  To begin I will give you the minimum wage, and after a month I will give you an additional 3% sales commission.  The more you sell the more you will get.”

When I heard this I was truly excited.  I told peter, “many thanks for giving this opportunity.  I know a little bit of Japanese also and I can sell thing to Japanese people.  I won’t let you down!”

Thus I started my first job in America.  I was a salesman!

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