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I admit it. I watch a lot of TV, and this year I have had the unpleasant experience of turning on the tube to find President Obama when I expected some funny or smart show to come on. This has happened repeatedly in the last few months and it is scheduled to happen again on 4/29.

Because of Obama I had to watch Valentine’s Day episodes of popular comedies in the middle of March. I am sorry but it just feels out of context to see a bunch of hearts on St. Patrick’s Day and every show was just a little less funny. Next, I now no longer know which day some shows are on because several networks changed airing dates to accommodate Obama. Some shows are also trying to catch up by showing multiple episodes in the same week and that is just plain confusing.

I have no problem with President Obama being on TV. After all, he has important things to say, but is it really necessary to preempt prime time television every few weeks on every single network channel? What is wrong with a 6pm news conference when news is usually shown on TV? It is possible to communicate to the public on cable news, the internet, or radio so I think all of these prime time conferences are done at least in part due to Obama’s enormous ego.

So what does this rant have to do with finance or business? Well, the TV networks are definitely . These two upcoming weeks are especially important because it is what’s known as May sweeps. This means that many shows are having their season finales so advertising is generally more expensive. Also, the sweeps ratings are important to every show since they are used to determine advertising rates for the next season. These prime time interruptions are really hurting the major networks and the shows they are airing. It also hurts the local network affiliates in every city and town in America who receive ad revenue from the shows they air. Most of all, the revenue loss will hurt the workers at these broadcasters and shows. If a company is forced to lose millions of dollars every few weeks they are bound to cut some personnel. Also, many of the new shows that are trying to establish themselves are hurt by the constantly shuffling scheduling, and every cancellation of a show is equivalent to the cancellation of hundreds of jobs.  So believe it or not, Obama’s decision to schedule his news conferences during prime time instead of say 4pm or 6pm is truly hurting people.  I think one of these networks should just stand up to the White House and say no and I am sure that network will get more viewers than the rest because they would be showing something different.

By now I can already predict what Obama is going to say on the news conference because he generally says the same thing over and over. First, he will say something to the effect that we are in a difficult economic crisis and everyone needs to work together. Then he will say that he has cut taxes for 95% of Americans and he is cracking down on the greedy bankers. Finally he will end up with the cliche that there is hope for America. Basically, Obama is continuing his campaign and since he is president now he has the power to get primo prime time coverage for free!

I am about these prime time TV interruptions. It may seem silly that I care about TV so much, but it is my leisure time that Obama is sacrificing for his own ego. After working 8 to 10 hour days, I think millions of Americans deserve to be shown something that makes them happy for 20 minutes to an hour. Millions of people want to escape from the reality of this horrible economy and real life just for a little while, and Obama is taking that away when he can choose not to. So I don’t think it’s stupid to say that if your President really cared about your well being he or she would leave your favorite shows alone. News conferences belong on news channels, and not during Chuck or Bones.

Here is an idea, if Obama seriously wants to be on TV on prime time so often then he should just get his own reality show. I am sure that will have great ratings and actually add to the coffers of the network that snags it. At least that would stimulate the economy instead of taking money away from broadcasters.

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My husband and I are both fortunate to have generous parents who paid for most of our college expenses.  From my experience, it seems that in the Asian community parents are always expected to pay for their children’s higher education. I have even heard of stories of some parents who take money from their homes or retirement  to pay for a son or daughter’s schooling. Now that I am expecting a child, I am wondering if parents are really obligated to pay for their children’s higher education.  After all, parents already spend considerable time and money raising a child into an adult.  Should they be obligated to pay the expenses of their legally adult children  for another four years or more?

My personal take on this is that parents really have no obligation to pay for college after raising their children to age eighteen because they have done enough.  Parents who pay for their kids’ college expenses are bestowing their children a huge gift, but when something comes too easily  it may not be appreciated as much as something earned by hard work. I have met quite a few classmates who had everything paid for and then later dropped out because they did not focus on their studies.  On the other hand,  I know some people who did not have parental help during college who worked extremely hard and ended up doing quite well.  They did so well precisely because they did not have a parental financial cushion, and they knew that they needed to work hard and  be on the top to win more scholarships and internships.

Some parents use the fact that they are paying for college to dictate many aspects of their children’s lives, and I really think that is worse than not paying for college.  I know too many people who hated what they were studying in college but still soldiered on because they felt like they were obligated to please their parents by graduating with a degree in a certain major. Many of these classmates ended up doing something radically different from their college majors after they were out of college and tasted freedom.  These outcomes make the parental sponsored schooling almost pointless.

When parents refuse to pay for their children’s higher education, they are basically letting the young adults become independent right after highschool.  That is not a bad thing at all because there has to be a point where parents let go of their children and let them survive on their own.  I have to admit that I only felt true freedom after I graduated from college and got my first job because I truly no longer depended on my parents. For some people higher education is not necessary for success, and letting a young adult explore the possibilities outside of an institutionalized education system might also be beneficial.

In closing, I think parents should not feel obligated to pay for their children’s higher education unless they are legally ordered to do so by a court. I would probably help my kid with college expenses since I am sure any school will become extremely expensive in 18 years, but I would help in the form of a loan of some sort.  As the cost of higher education rises it is impossible to expect parents to afford everything and the college aged children will have to pitch in by securing scholarships, grants, and work to fund their own education if they want it.

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Yesterday my husband and I went out on a daytrip to Pescadero.  We haven’t really gone out on the weekends for a while so this was quite special.  We really enjoyed our time in this small historic town, and here is the story.

I got up quite early for a Saturday and the hubby followed soon after.  He charged his camera batteries and we headed out.  We drove through the mountains and ancient redwood forests on the extremly windy highway 84.  Along the way there were many bikers and I wondered how they got up there, and my husband was simply annoyed that some of them were hogging the entire road.  Once we hit highway 1 we turned left towards Pescadero.  We planned to stop at the Pigeon Point Lighthouse first.

I first saw the lighthouse from a distance when .  I remembered the order of things a bit erroneously so I thought that Pigeon Point Lighthouse was north of Pescadero.  Once we already past Pescadero and still did not see the lighthouse my husband started to doubt my directions.  Pigeon Point is supposed to be one of the tallest lighthouses in North America, and he kept on asking me why we still do not see it.  I started to point behind a bunch of bushes and once we past it he laughed at me and said I was just pointing at a stick.  Then suddenly he saw the lighthouse perched at the edge of the ocean.  We turned in and found some parking in the dirt.

The lighthouse is currently not open to visitors because in 2001 two large pieces of its cornice fell to the ground, and so far San Mateo has not raised enough money to fix it.  However, the grounds are open and there was a surprisingly large number of visitors there including a lot of parents with kids.  I guessed that many of these visitors were trying to save a bit of money since the attraction is free.   The grounds were absolutely beautiful as flowers of all colors are currently blooming.  The normally brown cliffs were covered with dots of yellow and sea birds glided in the sky.  We then walked around a small path to the front of the lighthouse, and there was a flower patch with two giant pieces of whale bone.  One was a vertebrae and one was a humongous skull.  They looked quite eerie in a background of cheerful magenta and yellow flowers.

After visiting the lighthouse it was nearly 1pm, so we went to find some grub.  We planned to go to , a historic restaurant and bar in Pescadero that has been there since 1894.    It is famous for its artichoke dishes, olallieberry pie, and various seafood since Pescadero is supposed to be a fishing town.  Everything there is made locally and my company actually took us there during the retreat.  I just didn’t know how famous it was then.  I did remember the delicious artichoke soup and ollalieberry pie.   It was actually  on an episode of Food Network’s and the host ate the house special cioppino.  I saw the picture of the cioppino online and salivated a bit over it.  So we drove a few miles north from the lighthouse and stopped at Duarte’s.  There was quite a crowd there and we were told that we had to wait for 10 to 15 minutes.  This wasn’t too bad so we waited and got a round table very close to the bathrooms.

After we got the menu I looked at the cioppino, and it was the most expensive dish there!  My husband encouraged me to get it since we really didn’t spend too much money eating out last month.  So I ordered it and he ordered a crab melt sandwhich.  The waitress gave us two sets of dishes, crab crackers, and a bib for the cioppino.  My husband thought it was funny that we were given bibs, and then the GIANT dish of crab legs, prawns, and clams came out.  I put my bib on because I knew that I was going to make a mess.  The hubby thought that was so funny that he took a picture.  We shared the crab sandwhich first just to get rid of a plate, and that was quite excellent.  It was pretty much all crab meat hugged by cheese and well toasted buttery bread.  There wasn’t much vegetable fillers in the crab like you would find  in other restaurants.  Then we started working on the cioppino, and it was seriously the longest meal we ever had in a restaurant, but it was a lot of fun to pull out all the crab meat and then drink a bit of the soup.

After eating everything we were quite full but I really wanted some ollallieberry pie and I have talked about it so much that my hubby really wanted to try it.  So we walked down about a block to a small market and bakery.  They had a collection of all types of pies and all kinds of local foods.  Some of the artisan breads with artichokes and cheese just smelled intoxicating.   We just bought a pie to go and went onto the next destination – Pebble Beach.

The 71 miles of the San Mateo coast is unusual in that it is very close to large centers of population, but very few people visit so the beaches are quite pristine. The hubby and I have been to Half Moon Bay multiple times to beach comb and walk, but we never drove as far south as Pescadero.  As we were driving there the hubby said that we will not find these  uncrowded clean beaches in Southern California.  Pescadero has several beaches including Pescadero State Beach, Bean Hollow Beanch, and Pebble Beach.    Pebble Beach is a very small beach that is unique in that instead of sand it is covered by pebbles of all colors.  The pebbles are polished by the tides so they glisten in the sun.  There is also a very large area of tidepools next to it where you can find small marine life.     We walked down to the pebbles section and took pictures of the holey sand formations and pebbles first, and then walked over to the tidepools.  There were small fish, hermit crabs, and tons of snails in the tidepools, but nothing extremely exciting.  The hubby was hoping to see some colorful anemones or starfish so he could take pictures and he was disappointed.  So we went back to the pebbles area and dug around.  A lot of the stones were quite pretty and some of them were laced agates like the ones my mom and I used to dig up in construction sand when I was a kid.  It is illegal to take the pebbles because they are natural  materials, but we found some tiny pieces of sea glass so we took those.  The entire beach just smelled so fresh and it felt so good to sit down on the omnipresent pebbles.  It was definitely more fun than walking on sand.

After hanging around for about an hour we decided to head home as the sky became overcast.   We stopped to buy some vanilla ice cream and then I warmed up a slice of olallieberry pie for each of us when we got home and topped them with the ice cream.  It certainly made my tastebuds happy.

We definitely had a lot of fun exploring this part of San Mateo County, and I think instead of major vacations we could definitely save money by going on more day trips of places near us.  The Bay Area definitely has a lot of interesting places to see and experience just within an one to two hour drive.  After going to Pescadero we found that there is a seal preserve near by where you can see thousands of seals from December to March.  We might go visit next year!

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Yes I know there is only one week left, but it is not my fault that I am not done with my taxes.  It is really due to my ex-employer, and here is why.

Basically, I exercised my vested stock options when I left my last company.  Since the “market value” of the stock was more than my strike price I thought I might as well buy my shares.  This was all fine and dandy.  In the middle of last year the company issued a cash dividend on its shares, so I got a check for my shares.  That was also pretty awesome since the dividends covered about 1/3rd of the price I paid for the stock.

Now, since there was a dividend, the company issued a 1099-DIV for my taxes.  However, the funny thing is that they sent the 1099 with a letter that said that they OVERPAID dividends so there may be a corrected 1099-DIV coming in April.  I actually have never heard of this before.  So now my ex-coworkers and I are all waiting for this phantom 1099.

I am actually not quite sure what happens when a company overpays dividends.  They have not asked for any money back, but it seems that they have to account for the dividends a little differently on the 1099.  Does anyone know what is supposed to happen?

Anyway, since I do not have a tax refund, I am willing to submit my tax return as late as possible, but some ex-coworkers who are expecting returns are not so happy  about what is happening.  Private company stocks are really mysterious things, and I cannot find too much information. It is possible that I will just have to file and send in an amended return later, but it sure is annoying.

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This is a topic my husband and I have discussed numerous times since his parents packed up, sold and gave away practically everything,  and became missionaries. Now that we are expecting a baby we are considering it further.  If we were to move we would probably go to our house in Chino Hills, and here is a list of pros and cons that came up in our discussions.

First, I think the biggest thing that I have kvetched about is the cost of living here in the Bay Area.  My husband and I both feel some of the nesting instinct now and he really wants his kid to grow up in a nice house with a backyard, like the one he grew up in. I think it is  reasonable to wish that  your child’s life to be as good or even better than yours.   To have a house comparable to the one we have in Chino Hills we would need over a million dollars here.  The school district in Chino Hills has elementary and middle schools with API scores over 900, and that kind of scores also give real estate a further premium here in the Bay Area. The amount of mortgage we pay on the Chino Hills home is less than our rent for a two bedroom apartment here, and it just seems ridiculous that we cannot reasonably afford the same quality of life here in the Bay Area even though we have above average incomes.

We both expect that we will not make as much money down south.  There just aren’t that many high tech companies there, and the unemployment rate in the Inland Empire is much higher than here in the Silicon Valley right now.  However, we are both pretty talented and graduated from the top engineering programs in the nation so we are pretty confident we will find something.  Chino Hills is also situated right on the border of Orange County so there are job opportunities there.  Of course, we will try to find jobs there before we decide to leave.

There are some  circumstances that could keep us in the Bay Area forever. One big thing is family.  Right now pretty much all of our family members live within an one hour drive and having that support system is quite valuable. We also have more friends here in the Bay Area than in Southern California.     Also, if we cannot find reasonable employment down south then we would probably just stay here.  The hubby also likes the weather here a lot more, but Southern California is actually sunnier and I prefer that more.

Anyway, we are not planning to move right now or even right after the baby is born.  The hubby is thinking of making a decision on this sometime before the kid enters elementary school so it may happen in five years, or not at all. I am definitely all for moving to a  higher quality of life if possible.  Meanwhile I am also working on generating a good non-salary income so that we can go wherever we want to.

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