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Today a couple of our friends shared their testimonies for Easter, and it was quite moving. They are a very young couple that moved here to San Mateo from Alberquerque because they felt called to be here. They said that they did not really think much about the cost of living here, even though the husband read an article about the Silicon Valley that described a couple making over $100,000 a year living in a homeless shelter. Even so, they said that God provided for them every step of the way, and I have really seen how their living situation has improved in the past few years. Their testimony really made me think about what the phrase “God provides” really means, and here are my thoughts.

If you have seen the movie , the little boy in there tells a pretty funny joke about a man and God’s grace. It went something like this:

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I think the joke aptly illustrates that in many instances we don’t recognize what God is providing us and we don’t take the opportunity. God brings relationships and events into our lives that could change our lives completely, but it is up to us to be obedient and work on what God initiates. My friends that shared their life stories today didn’t just sit on their butts once they moved here and waited for God to drop a sack of money in their laps. They worked on what they were given and continued to improve their situation and they are leaps and bounds from where they were before.

I think another reason why we do not recognize God’s work is that we tend to think that a miracle should be a grand gesture as big as winning the lottery. In fact God provides us opportunities everyday that seem completely normal and even insignificant. It is up to us to be discerning enough to develop the leads that are meant for us, and be appreciative of the results.

Anyway, I hope you all had a wonderful Easter weekend!

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My second secret weapon for being a great salesman is “know the product and prepare for the psychological battle”.

Hawaii is a world famous travel destination, and tourists visit from all over the world. They are not only after this Pacific island’s beautiful scenery, but they are also looking for unique things they have not seen before. In a busy market like the one in Waikiki, it is important to understand how to capture a guest’s curiosity. Previously I talked about selling a pair of exercise balls from China. This is not an item from Hawaii, but how did I capture tourists with this product? The following is my “patented” routine for selling these balls.

First, you must get a customer’s attention. I mentioned in that I piqued the interest of a customer by rolling the balls in my hands. Oftentimes, it is curiosity that brings out the potential of making a sale. When you capitalize on that potential, you may be rewarded with a sale. This is how I convert that potential into money.

First, after I get a customer to stop I would give an introduction, “Sir, do you see these two balls? The first is a dragon, and it symbolizes a king. The second is a phoenix, and it represents the queen. In China, this also means power, money, and great fortune!” At this moment, I would spin the balls and let the customer hear them ring. The two balls usually have different bells in them. One would be high pitched and sharp, and the other would be deeper toned. Then I would continue my pitch and say, “the higher pitched tone means “yang”, and the lower pitched ball represents “yin”. In Chinese medicine, you will achieve great health and fortune only when you have a balance of yin and yang.” Additionally, I would start to roll the balls on the back of the customers as a massage if they allow me to.

Then I would conclude my act with this, “Buy these two balls and you will bring home power, fortune, luck, and health!”

I took my skills in lecturing as a professor and transferred it to selling products. After my colorful description of the balls many customers seem to feel that if they did not buy the balls they would have lost something. Because I satisfied their hunt for curios I sold more balls than anyone else in the lane. Most other stores do not even sell one box, but I often sold 20 or more boxes per day.

Originally, many Korean shops did not have this product, but as they saw that I sold it extremely quickly they started to add the balls to their inventory. However, they couldn’t sell them as well as I did because they didn’t understand that in selling any product you need a little bit of creativity. Without my stories, their products did not move, and my creativity is not something they can buy.

The Korean salesman next to me saw that I sold the balls by the cases, and gave me the moniker of “number one salesman on Duke’s lane”. Thus some Korean shopkeepers wanted to hire me at a higher salary, but I didn’t agree. The reason is that I liked Peter and the few Chinese salespeople nearby. A few of these Chinese shopkeepers gave me the nickname of “BALL SALES KING”.

Even though fifteen years passed, I still have very fond memories of the marketplace, and the friends I made there.

At that time, the shop across from me was run by an immigrant family from Guangdong, China. Their surname is Lin. The father and mother arrived in America not knowing any English, and could only work in sanitation services. They have four children. The eldest is a man also named Peter. Then there are three women. The oldest daughter is named Ah-juen, the second is named Ah-ming, and the youngest is named Ah-mei. All of them are hardworking and when I just started at Duke’s Lane they helped me quite often. The two eldest children did not go to college. The eldest son Peter worked in a Japanese restaurant at first, and Ah-juen worked for my boss Peter. After they saved enough money, they bought the store across the way from my boss and became shopkeepers themselves. The youngest children Ah-ming and Ah-mei both attended the University of Hawaii. Ah-ming became an engineer and started to work for the government, and Ah-mei majored in international politics because she wanted to be an ambassador.

After I left, Peter Lin bought my boss Peter’s store and another store selling gold jewelry, and his business was booming. I was really inspired by this family from China’s countryside. I saw the spirit of the Chinese people, and their struggles to survive as immigrants in America gave me guidance.

Duke’s Lane was not only the first place that gave me my daily bread in America, but it was also a real life classroom for my daughter. At that time, Hawaii’s law mandated that children under the age of twelve could not be left alone at home. My daughter was only nine, so sometimes after school she would come with me to the store. She witnessed our fight for survival in America. Since America is a free market country that encourages competition, the experience at Duke’s Lane actually helped me quite a bit in my quest for education and employment in the future.

I turned from a college professor to a small street vendor. However, I felt that our living standards were not so bad at that time. Though there was quite a bit of psychological pressure. Here I will address a comment a reader sent to me. Lingling said, “I am very impressed by your courage to go to America, but I am also a little confused. What are you really chasing after with all of your hard work?” I think here I will quote something written by another friend. I really like this section where he said, “When you conquer bitterness and obstacles, obstacles are your riches. When obstacles conquer you, they are your shame.” I think that changing from a real college professor to the Professor of Duke’s Lane is just a set of obstacles to make me stronger. If you think about it, if I did not leave China to come to America, would I have had the colorful experience I had at Duke’s Lane? When we conquer obstacles, we collect experiences of life, and those are priceless treasures.

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I have written about previously, and also shared .  I think most of us saw this coming, and a lot of us will just go on quite unaffected as long as we have a source of income. There are some effects I am seeing due to the recession all around me and I feel like I should address them here.

viagra dosage 100mg- Unfortunately I am hearing a lot of news about good teachers being fired all across California and student walking out of schools  to participate in protests in the hope of keeping their teachers.  It is a pretty difficult situation for everyone, but with 1 in 240 or so homes in foreclosure, the state of California is losing billions in tax revenues.  The former budgets made in the flush housing bubble years are just not sustainable anymore. The funding cuts are necessary because I heard that municipal bonds are not selling well these days and there just isn’t enough money.  I still think it is stupid to fire good teachers, and I hope it really is the last resort.

viagra dosage 100mg- The value of the dollar is plunging around the world.  This is going to make travelling quite a bit more expensive for Americans. I know my trip to China later this year will be much more expensive than the past two years.  It will also make everything we import more expensive.  Since we import almost every thingamajig from China and the Chinese Yuan is 12% higher than last year, I expect household goods will increase in price quite a bit. However, it also makes American exports more attractive so hopefully that will make our economy recover more quickly.

viagra dosage 100mg- This is insane, but last  month I picked up pizza dough for 99 cents at Trader Joe’s, and this month it was 1.29!  The same item increased 30% in a month.  Then I heard on the radio that flour prices are skyrocketing and many bakeries are paying 2 to 4 times what they paid last August for flour.  The reason is that wheat supplies dwindled this year and the demand increased.  Other foods are also getting more expensive because of increased  global competition for food and gas.

I haven’t really heard of massive job loss here in the Silicon Valley…yet.  It seems like companies are hoarding tons of cash, and that could be a good thing.  Today our CEO said that “difficult economic times are times for great companies to shine”, and I agree with him.  Anyway, I feel like my life hasn’t been affected greatly by the current recession, but that may change in the future if food gets more expensive than rent.

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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 dosage 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 dosage 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 dosage 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 dosage 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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