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The next day, I arrived at Peter’s shop before 4pm. Peter introduced me to Meilan. Meilan is a Vietnamese born Chinese woman around 30 years old. She spoke both Mandarin and Cantonese fluently. She arrived in Hawaii in the mid 1970s with her parents as a refugee and worked with Peter for more than three years.

Peter told Meilan, “Please teach this man how to sell things here, and especially teach him how to price things and do solid business. Additionally you should teach him how to lock down the store at night. I have to go now. A few friends are waiting for me at a game of Mahjong.”

After Peter left, I learned a bit more about the marketplace from Meilan, and especially the skills involved in selling trinkets. Meilan told me that in these Waikiki stores generally the face price is ten times that of the wholesale price. If the item is a luxury item such as fine silver or gold jewelry then the markup is even higher. So even if a customer haggles, we could still sell it. However, we can’t sell our wares for too low of a price because our competitors sell similar things. People generally buy what is easy to sell, and if one store cuts the profit margin too low then the other stores would be quite angry. Additionally, Meilan told me a little bit about Peter. He was an international student from Taiwan. When he just arrived he worked at restaurants and went to school at the same time. After he got his degree, he bought this little shop in the international market place and became an entrepreneur. He and his wife also has an import and export company. In the few years prior to the recession their business was doing extremely well and they earned quite a good sum of money. Now business was not as profitable in Hawaii as years past, and Peter’s wife went back to Taiwan to find new opportunities. As a result Peter didn’t care about his little shop any longer, and he was glad to find me as a helper so he could go play Mahjong.

In the past I was just a professor of economics and only knew theoretic things about commerce. I didn’t know that in real life competition would be so fierce in a marketplace like this, and it really takes a good amount of work to be a good salesman.

To tell the truth, I manned the shop by myself on that first day, but after twelve hours of standing and hollering I did not even sell $100 worth of goods. After you take away my wage and rental fees from this bit of money, my boss Peter actually lost money. When he came to help me lock down the shop he checked out how much I sold. When he saw that I earned very little money he didn’t seem to disapprove. He said to me, “You just started! I really believe in you.”

That night, I felt a little depressed when I went home. If I couldn’t make a profit for Peter, how could I take his money? I had my heart set on being the best salesman in the entire marketplace.

When I set my heart on something, I always try to do my best. Thus I started studying other salespeople before and after my shifts. After a period of observations and experimentation, I discovered my own rules for being a good salesman. The following are some of my discoveries.

You must be direct and cordial, and call out to the customers first. The following is something I say often in Japanese, “Please take a look! We are having an 80 percent off sale right now!”

When two young Japanese ladies heard that there is an 80% off sale, they stopped in front of my shop. I really didn’t think that the little bit of Japanese I learned a long time ago could be so useful. However, if you want me to speak a lot of Japanese I would fail miserably. When the ladies came over I started to show them a selection of silver jewelry and other Hawaiian themed products.

“It is real silver, please try it on.” I picked out a silver dolphin ring and put it on one of the lady’s hands. Then I pointed to the dolphin and asked, “What do you call this in Japanese?”

The young lady looked at my sincere face and said, “Kore wa, nihongo de, iruka desu.” (This in Japanese is “iruka”) As she said this she lifted up her hand and admired the ring in the distance.

I stood behind her and started praising her, “Kawaii ne, anata wa hontoni kawaii.” (Very cute, you are really cute.)

Then I repeated what she taught me, “iruka, iruka”, and said “You are my Japanese teacher, and I am your student!”

The girl started to chuckle and said, “korewa, ikuradesuka?” (How much is this?)

Now I took the ring off her finger and checked the pricetag. It said $30, but I knew that the wholesale price was $2. So I plugged the price into my calculator and showed the lady that I took $24 dollars off, and sold it to her for $6. She was extremely excited that she got such a great deal, but actually the store still made a 200% profit. What is more important is that besides the small item she bought, she and her friend also bought some perfumes totaling over $150. My performance really surprised the Korean salesgirl across the way.

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So we finally finished doing our taxes for the year of 2007. Since it was the first year for us to do taxes together it was a little more annoying than usual. Things used to be as easy as taking the standard deduction and reporting my W-2s and investment income. This year I had to read a lot more about filing as a married couple and the various marriage penalties. There were a few things we could have done to reduce our taxes. For example, I told the hubby to increase his 401k contributions last year, and he did do it, but his company seems to not have updated his contributions percentage. Since we didn’t get married until end of August last year I never looked at his paychecks for most of the year. It seems that for engaged couples really should start at the beginning of the year they intend to marry because the tax status is based on their marital statuses at the end of the year. By the time I got the hubby’s W-2 for last year it was too late to contribute more to his 401k for 2007. Another thing is that our W-4 status was wrong for most of last year because we didn’t change it. I don’t think that affected our taxes so much, though.

The end result is that we owe money this year simply because we got married. Both of us were bumped into the next tax bracket due to the marriage penalty. If we were both single we would both get tax refunds this year. However, we did donate a good amount of money so the tax bite isn’t so bad, and we don’t have a problem paying it off. This year, we are putting the following plans in action to reduce our taxes:

viagra 100mg- The hubby contacted his HR and now his 401k contributions are at the same level as mine. Last year I saved a lot more than him in my 401k and it is only fair that he gets to save as much in his own retirement account. This move reduces our combined adjusted gross income, and it means we will pay less taxes as a couple.

viagra 100mg- We are upping our donations each month to our church and charities because we have been blessed financially and we want to give a bit more out. I rather see the money go to causes I care about than the IRS or the Franchise Tax Board. Some people said to me that it is a dumb plan because I don’t really save money by giving money out, but donating isn’t about saving money.

viagra 100mg – Treasury bonds do not incur California state tax and the Vanguard California Tax exempt money market fund is exempt from both Federal and State taxes. I am already putting money into these funds, and I plan to add some more. This is in our joint account and we can use the money for a house in the next couple years.

viagra 100mg – Our plan is to have a kid two years after we get married, and though a kid would reduce taxes he or she would increase our expenses quite a bit, too. We can’t really control the exact time of conceiving, but hopefully it will happen in a year or two.  I am reading up on this quite a bit.  I think it is best for us to have a kid sooner rather than later because each year the cost of having children goes up.  Also, I think the hubby’s mom is so lucky to have two adult children out of the house at the age of 46!  I want to be a young empty nester in twenty years.

The funny thing is, we still qualify for the tax rebate this year, but it is just enough to cover the taxes we owe so we will come out even.  Since we owe taxes I am trying to write the checks as late as possible and send out the returns in April.   Hopefully this year we will not owe anything!

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Today I opened a Roth IRA account at Vanguard for the hubby and fully funded it for 2007. Why so late you ask? Well, the hubby never ever had a Roth IRA account and since we got married last year I wasn’t sure if we were low income enough to contribute to a Roth IRA. The Roth IRA is one area where you can clearly see the marriage penalty. A single filer can contribute the full amount to a Roth IRA when he or she makes less than $99,000, but a married couple can only contribute the full amount if they make less than $156,000. I am not quite sure why it is structured this way because it seems to be saying that married people should get less tax advantaged accounts?

Basically I was afraid that we weren’t eligible to contribute any longer. However, after tallying up our income and donations our adjusted gross income was just a bit under the limit and I signed the hubby up and funded the account from our joint account. Right now I just parked his money in Vanguard Target Retirement 2045, but that could be changed in the future.

Looking back, I guess it is good that I had to wait a bit to open and fund this account because the market went down quite a bit. If we had opened the account back in the end of August when we got married then the money would have diminished quite a bit. Then again, it doesn’t matter that much because we plan to hold the funds for 34 to 35 years.

I really like Roth IRAs because they give us the option of taking out our contributions, and there are no taxes on the earnings in the future. I have had one and funded it faithfully every single year. The hubby just turned 25 recently so he can start withdrawing the money in 34.5 years, and I am sure these years will pass faster than we think.

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Throughout my life people have told me, “you have so much potential!” I still vividly remember my band director in 9th grade saying that to me. I was the best oboe player, but I was also the only oboe player. I really didn’t practice very hard and was quite happy with getting solos that I may not have deserved. I know that I could have been a much better musician if I concentrated on it, but at that time I really liked math better.

I was the president of the math and science clubs in different years of high school, and as a result I participated in quite a few competitions. Once again another teacher told me that I had potential. By then I already knew that I was not the most brilliant kid out there because I met real geniuses that had brains in a completely different league. So I chose the most practical route and applied to Berkeley Engineering. Berkeley EECS was a pretty tough program, and I ended up being just a bit above average and I thought that was enough.

Now that I have graduated, sometimes coworkers and bosses still tell me that I have potential to become more than what I am. It is a statement that really puzzles and bothers me when I think about it. On one hand, these people see something in me. They think I have talent, and that is always a good thing. On the other hand, it makes me feel that I am not utilizing all of my skills and perhaps I am not performing my job at the fullest. So every time someone tells me I have potential I am a bit wary of their true meaning.

One ex-coworker told me that she thought I was really smart and have the potential to become the founder of a successful business, and an ex-boss told me that he thinks I could become an engineering manager really quickly. I suppose I could be those things if I wanted to, but they are all other people’s visions for my future. I think what really matters is the potential I see in myself. I know I can do more in this world if I tried, and I know I can lose twenty pounds. I know I have the potential to be a parent, retire early, and travel the world.

I suppose sometimes it is hard for people to believe that they have the potential to do anything when everything is falling into pieces, and hearing the words “you have so much potential” is encouraging. In other instances, these words can really make you stray into something you do not want to do. So here I say to you as a friend, “You have so much potential. You have the potential to be happy and you have the potential to do the things you love to do.”

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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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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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