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Every time I go visit my parents, my mom finds about twenty ways to call me fat and tell me to stop eating. Of course, she also did the same to my aunt during a dinner party so I don’t really feel singled out. Well, I guess in the past three years I did gain a few (25) pounds so now I am slightly overweight for my height. I am still a size 2, but a lot of the dresses I wore during college and high school do not fit anymore. The problem with the fat is that it all settled on my tummy and thighs and not on my boobs and butt. Anyway, the hubby recently gave me an incentive to lose some weight. Basically he said if I lose about 15 pounds, he will cut his to 1% of our income. Currently it is at 2% so a 1% cut is quite huge and could build up to thousands of dollars over the years.

On one hand I know that losing some weight would be great for my health and my family really cares about me, but on the other hand I really love to eat. In the long run being fit will probably save me money on health care but my lifestyle is so sedentary that I find no motivation or desire to exercise. Anyway, I am making an effort now to exercise more so I can still eat what I like to eat. I purchased on Friday and today I went to hike Mt. Tamalpais with the hubby and the parents. I only got to the West Point Inn before my left leg was filled with pain. Along the entire trail my parents made fun of me being the last one in the line as I plodded up the hills while huffing and puffing. My dad laughed at my slow march and then showed off his muscles to me and my hubby. He said, “you’re less than half my age and you can’t climb this? COME ON!” Then he loudly sang some Chinese song horribly out of tune and went about a mile ahead of me. On the way back I fell on my butt two times because the trail was steep and slippery. The hubby and I clung on each other for support and made it back to the car. As a reward, we had lunch at a restaurant in Sausalito called Spinnaker which had a wonderful view of the bay. That lunch probably undid all the calories I lost from the hike. Finally, when I got home I found a blister on my big toe that was as big as my little toe. Today’s harrowing experience showed me that I am definitely a lot less fit than my college years since in 2005 I hiked a much longer trail without that many problems.

Hopefully getting will help me organize my exercise routine. The hubby said he will do it with me and maybe that will motivate me a bit more. Though at work my coworker laughed at the idea of the WiiFit. He said, “you know you could just go outside and run instead of holding a little white remote and run in place!” I guess that is true, but I really wouldn’t jog outside when it’s completely dark. I am pretty i in losing about 10 lbs in 7 weeks with the WiiFit, but I don’t know how I would do and how long I keep up with the routine. However, the hubby’s incentive of cutting down his entertainment budget aligns the goal of losing weight with saving money, and perhaps that’s enough motivation for me to keep at it. We will see how this goes and I will report on whether or not this works.

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Lately my mom has been telling me that several friends of hers are snapping up real estate in the East Bay because prices have fallen anywhere from 20% to 70%. She argues that if I ever see a property that has a mortgage lower than my rent I should just buy it. Well, hasn’t really fallen to the extent that any mortgage is cheaper than a comparable rent yet. The average price per square foot in my zipcode is currently $571. We live in a place that’s about 1040 square foot and pay $1700 a month. So the purchase price for a comparable property would be $592.8k and it still doesn’t make sense to buy since I am 99% positive prices are still going down right now. Financially, it’s more beneficial to us to invest all the money we are saving rather than being tied to a $3000+ mortgage.

Financial considerations aside, I don’t think we’re very enthusiastic to be homeowners because of the maintenance it would involve. I read a pretty funny article on Salon.com recently about a. His conclusion was, “What the hell was I thinking?” He didn’t have the money to fix all the problems his home had and he didn’t have the skills to do it himself. While I am a renter I could just ask my landlord to repair the leaky pipes or replace the broken stove. Sure, I am paying rent, but I consider it to be outsourcing home maintenance to my landlord. The simple fact that renting is actually cheaper than the mortgage and property taxes makes the arrangement a sweeter deal for me.

Another ridiculous argument people have thrown in my face as why owning is better is that, “it’s better for the children.” I have no idea why this is remotely true. As long as children have a safe and loving place to call home, it doesn’t matter if their parents rent or own. I would actually argue that a home ripped apart by the financial stress of an unaffordable mortgage is a much worse place for a child to grow up than a family that happily rents without financial trouble. So before anyone tells me that I have to raise my kids in a place I own ever again, consider that I can rent in an excellent school district for less than 13% of our salary. On the flipside to own the same property in those school districts we would have to carry double or triple that cost. The money we save by renting could be used for tutors or a college fund for our kids. Renting gives us flexibility to live wherever we want, and that freedom is extremely valuable.

The hubby and I are pretty sure we won’t stay in our present condo forever, but I don’t know if homeownership is ever going to be right for us. I think I will only considering owning when it is cheaper than renting and we decide to stay in one area for more than ten years. If that never happens, then we just might rent forever. For me, I feel much more secure in managing a gigantic portfolio rather than a gigantic house. Currently my portfolio already generates enough income to cover approximately half of my rent, and to tie a lot of these perfectly sound liquid investments up in a house seems rather stupid at this point.

Anyway, here ends yet another one of my rants against the overrated ideal of homeownership. I think what frustrates me and several other of my friends is that our Asian parents are unhealthily obsessed with real estate and our parents want us to become indentured servants to the banks as soon as possible. I probably have enough material for that to fill up another ten blog posts, but I shall stop here. Finally I shall say that homeownership is not proof of adulthood or financial security. The ability to logically analyze your means and make responsible choices is better than succumbing to the pressures of society and doing something you regret later.

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I spent a lot of my time in college in the computer science and electrical engineering buildings of UC Berkeley -  Soda Hall and Cory Hall.  I preferred Cory Hall because the computer room actually had windows and it was just slightly less depressing than the dungeon in Soda Hall.  I also had a locker in Cory where I kept the textbooks .  Anyway, one day I overheard someone saying that Cory is where the Unabomber AKA Ted Kaczynski sent one of his bombs and once upon a time he was a mathematics professor at UC Berkeley.  It happened before I was  born, so I didn’t think much of it.  Recently while surfing Wikipedia I somehow landed on the page about the Unabomber, and I ended up reading his manifesto titled .  I am not totally done reading it, but I find myself agreeing with many of his points.  It is tragic that he felt that he had to promote his work through cold blooded murder, but I really think that he said a lot of things people are afraid to admit. So today I shall highlight a few points  in his manifesto that really stuck in my mind.

cialis dosage daily use – Kaczynski lays down something he calls “the power process”, which has four elements: goal, effort, attainment of goal, and autonomy.  The problem he sees is that many people do not need to exert a lot of effort to attain their goals of physical needs these days, and that brings boredom, depression, and a variety of other problems.  Another point is that many people do not have autonomy to achieve their own goals so they align with a larger organization.  One passage that really hit me was this section of paragraph 73, “An example of indirect coercion: There is no law that says we have to go to work every day and follow our employer’s orders. Legally there is nothing to prevent us from going to live in the wild like primitive people or from going into business for ourselves. But in practice there is very little wild country left, and there is room in the economy for only a limited number of small business owners. Hence most of us can survive only as someone else’s employee.”  I think this lack of autonomy or freedom is a big reason why so many people hate their jobs.  I don’t believe that my calling in life is to work for someone else for 40+ years, but many people think that is the correct and right path to take because they are indirectly forced to do so. Kaczynski goes on to explain how people attempt to go through the power process and why some people seem perfectly content, but I won’t discuss those details here.

cialis dosage daily use – Kaczynski talks about “indirect coercion” by the media fairly early on.  He says that the advertising and marketing industries “make many people feel they need things that their grandparents never desired or even dreamed of.”  In the footnote he writes, “Is the drive for endless material acquisition really an artificial creation of the advertising and marketing industry? Certainly there is no innate human drive for material acquisition. There have been many cultures in which people have desired little material wealth beyond what was necessary to satisfy their basic physical needs (Australian aborigines, traditional Mexican peasant culture, some African cultures). On the other hand there have also been many pre-industrial cultures in which material acquisition has played an important role. So we can’t claim that today’s acquisition-oriented culture is exclusively a creation of the advertising and marketing industry. But it is clear that the advertising and marketing industry has had an important part in creating that culture. The big corporations that spend millions on advertising wouldn’t be spending that kind of money without solid proof that they were getting it back in increased sales. One member of FC met a sales manager a couple of years ago who was frank enough to tell him, ‘Our job is to make people buy things they don’t want and don’t need.’ He then described how an untrained novice could present people with the facts about a product, and make no sales at all, while a trained and experienced professional salesman would make lots of sales to the same people. This shows that people are manipulated into buying things they don’t really want.”  I think this is a point most personal finance bloggers try to preach, but I think the Unabomber is more eloquent than me in stating this observation.

cialis dosage daily use – In a , I expressed my fear of bioengineering, and Kazyncski shares that same concern.  He wrote in paragraph 123, “If you think that big government interferes in your life too much now, just wait till the government starts regulating the genetic constitution of your children. Such regulation will inevitably follow the introduction of genetic engineering of human beings, because the consequences of unregulated genetic engineering would be disastrous.[19]“  This is just one detail in the many ways technology could potentially limit our freedom.  Kaczynski also made the point that in the past when people lived within a natural environment the environment did not change very much and thus it provided security, but our modern society is changing rapidly because of technology.  Older workers have to be retrained and this constant change brings more stress and despair to people.  Ultimately his conclusion is that we have to absorb all the good and bad things technology brings, and it is impossible to separate the benefits and detriments.  I agree with this hypothesis because I feel that technology is changing our lives so rapidly that sometimes it is hard to keep up. I also work in a software security firm and through the training/propaganda of my own employer I have a good idea of how technology can be misused to harm others.  It is much easier for an entity like the government or a ruthless criminal to control your life through technology in present times.  So in that aspect, technology does limit freedom.

Overall, it is a pretty depressing document because I can just feel helplessness and frustration ooze out of it, but its observations about our modern society  are not without merit.  I think anyone who works in science and technology should read it and truly examine why they are doing their work. Also, anyone who is confused about their direction in life should also read it to see if their problems are simply stemming from a lack of autonomy. Kaczynski’s choice to  bomb  his fellow scientists is definitely criminally insane, but he is also brilliant in his observations.  If he didn’t kill people, perhaps he could have been a respected philosopher and mathematician akin to a modern Henry Thoreau. Then again, we are in a society where people are more interested in  the breakdowns of Britney Spears than the presidential election and Kaczynski knew this as he wrote, “If we had never done anything violent and had submitted the present writings to a publisher, they probably would not have been accepted. If they had been accepted and published, they probably would not have attracted many readers, because it’s more fun to watch the entertainment put out by the media than to read a sober essay. Even if these writings had had many readers, most of these readers would soon have forgotten what they had read as their minds were flooded by the mass of material to which the media expose them. In order to get our message before the public with some chance of making a lasting impression, we’ve had to kill people.” It is chilling to read these words, but I find it hard to argue with his logic. Would I be reading his essay if he weren’t the Unabomber?  Probably not.

Have you read the manifesto? What are your thoughts?

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Recently I have seen a few blog posts about stating that women have a pretty tough time working in science and technology due to a “pervasive macho environment”. Ironically, this article was published in the “Fashion and Style” section of the New York Times, and that raised the ire of some more women. The article stated that 53% of the women surveyed said they have to “act like a man” in order to succeed and that 63% of women experience harassment on the job. Sadly, as a woman working in technology, I have to say that this really isn’t news. Here are some of my thoughts and experiences surrounding this issue.

I have to say that I am pretty used to “acting like a man”. When I entered the EECS program at UC Berkeley, my class was only 18% female and I remember that in one particular class there were only two girls. Consequently, all my friends and project partners ended up being guys. I think one thing that makes being a man easy for me is my name. You can’t really tell whether I am male or female from the name Xin (in Chinese it’s a name appropriate for a man or woman). It is funny to me when people assume that I am male from my resume, though. One time a recruiter called me and I answered, “yes, this is Xin”, and he actually said, “Oh, I’m pleasantly surprised that you are a woman”. I think my name makes people who read my resume and emails comfortable because they generally assume that I am another faceless immigrant man working in technology.

Another thing that helps me is that I am pretty immersed in the geek culture so I have common interests with the guys and I know how to communicate with them. For example, at my first company I met guys that watched the same SciFi shows as I did and played the same games. Then I made friends at work at the second company I worked for because I posted a list of games I liked. Suddenly some engineers that never spoke to me before started to talk to me. It has been my experience that most women are not as nerdy and dorky, though, so they tend to be outsiders in a majority of game loving and young hackers and alienation is never a nice feeling. For most of my school and career, men have treated me like one of the guys, and I am pretty sure that has spared me a lot of harassment. So once again, I think I am validating the original article’s point that you need to be like a man to be accepted in a man’s world.

Finally, another point in the article that I have thought about a lot is the attrition rate of women from science and engineering jobs. I wrote in a that female engineers with children are somewhat disadvantaged because they are supposed to work the weird hours like everyone else, but their kids don’t allow them to, and as a result resentment brews. Just as the article pointed out, a lot of women drop out of science and technology between the ages of 35 to 40 because these women don’t have the luxury of a wife that takes care of the kids. This is actually one of the reasons why I want to and quit working full time in the tech industry.

Right now I am actually in a pretty good company where approximately half of my team members are female engineers. The company seems to be really supportive of its employees in taking care of their personal issues.  When a teammate went through a personal tragedy everyone allowed her to have as much time as she needed to recover.  I find this quite rare and somewhat endearing. It gives me hope that perhaps I would stay a long time here and more companies will work on retaining their female talent with flexible schedules and moral support.

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It has been three years since I graduated from college, and it certainly has been interesting. I made quite a few friends, and also picked up a hodgepodge of technical skills . Oh yeah,. So now what? Well, my grand goal is to become financially independent in 7 years because by then I would have served corporate America for a total of 10 years, and I think that is enough. Is this doable? Well..

I know it’s doable because my parents earned enough to retire together in the past 10 years despite having more financial challenges than my husband and I. Ten years ago my parents were more than forty years old and their salaries were much lower than our current salaries even after adjusting for inflation. They had pretty much no savings because they just graduated from grad school and they spent what money they had on the relocation from Hawaii to the Bay Area and bought a car. They also put me through college and weathered the dot com bubble, but they managed to do quite well. If they wanted to retire now, they really could do it. My mom doesn’t think so, but actually the numbers are in their favor. So I really see their success as an inspiration and a mark of certainty that my husband and I can do the same.

My mom once said that I can’t use them as a benchmark because they are much older than us so we need a lot more money for retirement. She also said that I was a very cheap child to raise so maybe we won’t be so lucky with our future kid(s). Additionally, inflation is running wild now and the buying power of their money was greater than ours. Another thing is that their Social Security benefits will be much better than ours. I have considered all of those things and I still think it is possible for me to quit my job in seven years because we are currently of our income. Additionally, I will keep on writing so I will have some income and the hubby doesn’t necessarily have to quit his job. Though he did say that if we were financially secure and he did not need to work he would design and program games on his own rather than work for a company where he doesn’t have total control over the process of creating a game. He also loves kids so he said that if he has the opportunity to be home with our future offspring he would take it. So I take those comments as an indication that if we could both “retire”, he would join me.

Don’t get me wrong. I don’t hate my job and I don’t hate working, but I hate the fact that society makes us believe we are supposed to stop working at age 65 or 67. At that age, you don’t have that many years left to enjoy life. I think ultimately retirement for me and my husband means that we can pursue our own passions rather than whoring our talents and adding to someone else’s bottom line.

Seven years is really a stretch goal for our financial independence because we would only be 32 by that time and we would have to support ourselves for many years. I calculated that we probably need at least a portfolio worth $1.4 to $1.5 million with the based on an assumption that we live on around 4% of the portfolio and our side income. Some people think I am a bit crazy, but I really believe that it is possible even with children. Anyway, we will see in seven years, and hopefully is still around then so all of you can see if this grand goal has been achieved.

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