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A couple days ago I read an article that stated and America is the happiest place on earth! The article gave many reasons to the bliss of Americans including wealth and religion. (I do agree with the reasons given.) I personally think that the general ignorance of Americans about current events and their own personal financial situation also makes them happier than the rest of the world. After all, ignorance is bliss, right?

When I was three or four years old I had very little knowledge about how my parents paid the bills. I didn’t worry about money because I was unaware of my need for it. I think that’s a big reason why children are generally happier than adults. Children aren’t concerned about making money, responsibilities, or the future. For children the ignorance of adult affairs such as financial management is normal, and I think it is quite fine and healthy for a child to worry more about the next episode of his or her favorite cartoon than fussing over paying the rent. Unfortunately I think a lot of Americans carry this blissful ignorance well into adulthood and are happily irresponsible about their money.

For example, I have read quite a few articles from multiple sources on how most Americans are not saving enough for retirement. The numbers of American adults reported by the press as not being well-equipped for retirement ranges anywhere from 100 million to 150 million (this is roughly 50% to 75% of the adult population). The question is, how many of these people actually know that they don’t have enough for retirement? I imagine not many actually know the extent of their financial health. The simple fact is when people do not know that they are not saving enough for the future they won’t save more. The bigger problem is that some of these people won’t believe you if you tell them that they will not have enough to retire. I don’t think this type of stubborn ignorance is healthy, but at least most of them have time to correct their course.

It really seems that Americans are happy as long as there is enough to live on in the current moment. This is why the minimum payment on credit cards is such a psychological trap. The minimum payment is only 1 to 2% of the entire debt and almost anyone could afford it from month to month. Meanwhile, the interest piles up and the debt follows the minimum payment customer forever. If you watch the Secret History of Credit Cards you will see how clueless most consumers are about how credit card companies make money. The banks bank on the consumers’ ignorance, and keeps them happy with low minimum payments.

Additionally, ignorance also played a huge part in the housing bubble. Many people wanted a home and didn’t do adequate research on their purchases and loans. A great number of these homes are going into foreclosure, but some of these people who bought homes at the inflated prices are still happy homeowners because they’re unaware of the current housing crisis and they can afford their homes. After all, the easy loans gave  people an opportunity to own huge new homes, and a good number of people don’t read the news and don’t really care that their property has dropped in value. Quite a few of these homeowners are also extremely optimistic about their home values in the future. I think in general optimism is a good thing, but I would never endorse the act of falling into financial ruin due to ignorance.

I would count myself as one of the happy people living in America, but I think my reasons for being happy is more due to religion and family. I would argue that even though ignorance can be bliss at times, knowing as much as you can about the world around you would better prepare you for the times ahead. None of us know what will happen in the future, but to be completely clueless and happy in a disheveled financial present is not the path to a enjoyable future.

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If you live in the Bay Area you would know that we’re in the midst of the worst winter storm in two years, and over a million residences and businesses have lost power today. San Mateo County was the hardest hit and I spent the most of today without electricity. It was a really strange day since I attempted to go to work, but every traffic light leading to the office was broken and the intersections morphed into bizarre four way stops with three to four lanes each. This made a nine mile drive take 40 minutes (it took me 20 minutes just to get to highway 101, which is less than 2 miles away). I braved the gusts and pouring rain into my office building only to see the lights off and the IT lady sitting in the dark. I asked her if the office is closed and she said, “yeah, we have no power, no email, nothing!” So I walked back to my car and went to run an errand and then went home.

On the drive home I heard that the power outages could go well into the weekend and hundreds of thousands of people were without electricity. Since my condo had power in the morning I thought I am one of the lucky ones who already had service restored. Unfortunately, when I got home the power was off again. I thought that I could get a lot of cleaning done, but I was wrong. The laundry room required electricity to run the machines, and the vacuums also needed to be plugged in. So then I thought, okay, maybe I will cook something for lunch. Alas! The stove is electric! So then I thought maybe I can go out for some food, but every single nearby restaurant shut down because they had no power. I found an uneaten breakfast bar in my pocket, and I wolfed it down.

So there I was with nothing to do. My phone was out of power, and so was my Nintendo DS. What can I do to entertain myself? I ended up picking up everything off the floor and putting them away. The hubby’s parents recently dropped off a few boxes of the hubby’s things from his childhood and I started reading those. I read his fifth grade essays and his college application essays and “awwed” at his pictures. However, this entertainment was limited, and after I put everything away I was going starking crazy. The skies soon turned dark and I ended up lighting up candles. I was so bored that I started to pour the wax from one candle to another. Finally I ended up playing a board game in single player mode with candles lit on the side. I was reading the instructions by candlelight and I set it down on one of the candles by accident. A plume of smoke rose and I mentally panicked for a second, but I quickly blew the fire out but the instructions has a permanent hole in it right now.

Finally after eight hours, the power finally came back on. My hubby got home and I showed him his scorched game instructions and he said, “thank goodness you didn’t burn anything else down”. Then I told him that I put everything away and cleaned the floors and he said, “at least something good came out of this. I can’t believe you were so bored that you cleaned!”

I have been through blackouts before, but I think this is the longest one I have went through and having the lights on was like having a fresh breath of air. (I was really getting dizzy from the aromatic candles.) Seriously, I don’t think I can live without electricity. I’m not sure what the economic impacts of this mass blackout is to the Bay Area, but it nearly drove me insane.

Anyway, currently a lot of the coastal areas in San Mateo is still blacked out and I hope everyone is alright. Electricity is something many of us take for granted, and it is amazing how much of our lives is so dependent on this. To all the PG&E crews out there, thank you for your hard work.

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So a couple months ago linked my story about and thousands of people read it in a matter of hours. After that I received an email from a guy named Alan Corey and it said the following:

Hi Baglady,

I came across your blog today and have to say I loved reading about your ex-boyfriend. He reminds me a lot of myself. I went to extreme measures to achieve my financial goals and finally was rewarded for it. I would love to send him (and you) an advanced copy of my book ” .” It hopefully will keep you both motivated to also remind you that you two are doing things right.

Cheers,

Alan Corey

So I went to the guy’s website and read a bit about him, and he seemed weird, but kind of funny, and mostly harmless. So I replied to him to send me the book, and a couple weeks later I received a package from the publisher Random House and it contained a shiny advanced copy of the book and on the title page it said, “Here’s to better boyfriends”. (Well, thanks Alan, but I don’t need anymore boyfriends. I got a super cool hubby now.) I read it on the way to Southern California while my hubby drove, and to be honest I rather enjoyed the book because it was quite funny and candid. After reading his story of eating only ramen noodles for three months I understood why he said my super cheap ex reminded him of himself. Though what is funnier to me is that another incident in his book reminded me of myself. The story was that one of his girlfriends was really into movies and spent hundreds of dollars a month on her passion, and he made a spreadsheet showing her how much money she could earn if she invested the money instead of spending it on movies. (A replica of the spreadsheet is in the book). After he presented the spreadsheet he was dumped. I laughed out loud at this because I made a similar spreadsheet for my hubby while we were dating because he spent a lot of money on games and gadgets. Fortunately my hubby didn’t dump me. I do understand where Alan is coming from and the spreadsheet is really his way of saying to the girl that he cares about her, but unfortunately the message was lost somewhere. The book is also sprinkled with sections named “Extreme Cheapskate Strategy”. Some of these tips are good, but some are a bit too extreme or even borderline unethical. I will not list them here, but some of these are pretty hilarious too.

The main vehicle Alan used to become a millionaire is real estate. But unlike the infamous Casey Serin he was very sensible about what he could handle. He almost always offered lower than the asking price and had partners and kept his full time job throughout all of his real estate ventures. I like that Alan acknowledged that he was lucky to catch one of the largest real estate booms in history, but I would like to emphasize that Alan really worked his butt off too. I really don’t know how he is able to have a full time job, handle six or seven crazy tenants, go to a bazillion open houses, renovate houses, host success seminars, and go on a bunch of reality TV shows. My main criticism of the book is that people might read it and think it’s easy to become a house flipper or landlord and suddenly become a young millionaire. Those easy money days are dying down and it really takes a lot of time and patience to be a successful real estate investor. I think Alan should have had a summary of his personality traits and actions that took him where he is, and I think a lot of financially successful people have similar paths to Alan’s. I will try to summarize the things that made Alan successful here for him:

is it legal to buy viagra from canada — Alan lists his goals from the beginning of the book to the end. His main goal has always been becoming a millionaire by 30, but he also had many smaller subgoals that brings him closer to the majority goal. Basically, knowing where you want to go is always important to your success.

is it legal to buy viagra from canada — Alan was really cheap and didn’t care to have a beautiful apartment or the best room in the house, and that’s how he saved and earned money. He also earned a lot of money and free goodies by being ridiculed on reality TV shows, but that’s really in another league of not caring what others think.

is it legal to buy viagra from canada — As I mentioned before, Alan really worked pretty hard when he was young, and as his wealth increased it became easier to accumulate money. The rich do become richer, but sitting on your butt and not working towards your goals will not make you rich in the first place.

is it legal to buy viagra from canada– For the most part I thought the risks Alan took in real estate were realistic and well thought out. He also emphasizes that he took a lot of time researching the investments he was about to make. I think the research part is overlooked by a lot of people who want to become rich quickly. It is usually not that easy to find a good investment and the cliche “it always goes up in the long run” isn’t always true for everything.

is it legal to buy viagra from canada– One thing I really liked about Alan’s story is that he quit and got out of the rat race. If he kept on flipping houses he might have lost his fortunes, but he did what he wanted to do and decided that he is done. Sometimes people can become wildly successful but never learn to quit and become a slave to earning money once again. I admire the people that value living their life over having the biggest bank account and the fanciest cars. Another example of this is and I highly recommend her blog.

Anyway, I definitely recommend if you want a light hearted read about a Southern boy making it big in the Big Apple. I was laughing a lot when I read it, but that is because I can really relate to what he went through.  Though I am hoping that his book doesn’t create any new and his readers would realize that it isn’t easy to become a millionaire, but anyone could do it.

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For the past week I have been vacationing down in the with my hubby’s family. We spent Christmas cooking and eating and then we did various things like shopping, gaming, and more eating. My hubby was extremely excited over purchasing a double down puffy jacket at the at Puente Hills Mall for $8.98! Actually everything in the store was $8.98 because it was a grand opening sale and the entire time we were in the store the hubby was saying, “HOW IS THIS POSSIBLE!” I thought it was extremely cute that he got excited over cheap stuff. Apparently there will be a Steve and Barry’s opening in San Jose sometime in the future and maybe they will have such a sale too.

Besides being delighted by cheap jackets, we went to a couple of the Southern Californian restaurants that my hubby has been craving for. We managed to go to and . He also wanted to go to El Pollo Loco. (There is certainly a theme of chicken to these restaurants.) I have to say that Chick-Fil-A chicken nuggets are quite good, and unfortunately the closest one in Northern California is about two hours away from us in Sacramento.We only recently found out that there is a Thai BBQ in South San Francisco, but everything in the SoCal location was $1.00 cheaper. I guess the rent is just higher in South San Francisco. We also had a LOT of boba milktea everywhere we went. When we visited the hubby’s friend J Allan and he drove us to Pasadena to see their “old stomping grounds” (Caltech). The entire city was gearing up for the Rose Parade and there were bleachers erected all over the streets. We ate at a small hole in wall restaurant called The Pasadena Sandwich Company. This is a place that makes sandwiches that are bigger than newborns and they’re mostly under $8. We all ordered something called “Trust the Cook”, which is basically a random sandwich. Then we ended the day with a lot of Rock Band.

Other highlights of the trip included a visit to the San Diego Natural History Museum’s special exhibit of the Dead Sea Scrolls and a short tour of the U.S.S Nimitz. The Dead Sea Scrolls are absolutely amazing because the Biblical texts they contain actually validate a lot of our modern day Bible. Additionally, the exhibit emphasized that the ideas written by the Jews in turbulent times thousands of years ago still applies to us today. There are also a lot of texts not related to the Bible and one of them that caught a lot of people’s attention is a copper scroll that is basically a treasure map to vast amounts of gold and riches from the temple of Jerusalem. It is believed that the treasure was hidden before the temple was destroyed. On the same day my sister in law’s boyfriend took us on a tour on the U.S.S. Nimitz because he lives and serves on the ship. The seasoned aircraft carrier is literally a fort on the water. I think there were about twelve to thirteen floors and it took us a while to walk up to the landing strip and flight deck at the top. We did go after sundown so a lot of areas were closed off or were going under renovations. The U.S.S. Reagan was entirely decked out in red and green holiday lights along the right side of the Nimitz and it was pretty impressive looking also. Unfortunately I have no pictures of these because photography was not allowed in either place.

One thing that really stuck out to me is how much sprawling land there is down south and how much we had to drive to each location. Here in San Mateo everything seems so crowded and there is a lot of apartment buildings and tiny single family homes. Down south it seems that the standard home has four bedrooms (at least in Chino Hills). I picked up an issue of the Home and Land magazine down there and I was totally amazed that you could rent one of these giant houses for less than the cost of our condo. It is possible that one day the hubby and I would move down there, but it would be at least a few years from now.

Anyway, I hope all of you had a fun and safe holiday and that today was a wonderful beginning of the new year!

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