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Recently I read an article titled on Forbes.com and I wondered if wealth can be detrimental to a marriage. The article was based on a survey 433 independently wealthy men and women and the conclusion is that almost half say that they’re unhappy in their marriage and more than half have been unfaithful in the past three years. Those unhappy with their marriage also fear divorce would be very costly and hurt their business dealings so they stay together. The article was focused on the wealthy and it makes you wonder if money affects the quality of a marriage. This leads me to ask, can wealth be detrimental to a marriage?

I believe that wealth is generally a good thing in marriage because it gets rid of worries about affording basic needs. However, as my ex-roommate always said, “marriages are difficult at best”. So I think the problem with having a tremendous amount money in a marriage is that the focus shifts to the cash rather than the spouse. For example, what I found interesting in the Forbes article is that most of the wealth of these couples were accumulated during marriage, and yet 75% of those with assets over 10 million agreed that marriage hindered their financial success. I can see instances where a marriage can hinder one’s financial success. For example, a married person who has to take care of a spouse and children is less likely to take large financial risks or be very mobile to take on new jobs and opportunities. However, these wealthy folks ARE very successful and they did it while married. So the fact that they think their marriage hindered their financial success means that they don’t think they are as successful as they hope to be. This makes me think that they are more focused on their money than their marriage.

Another “problem” with accumulating a massive amount of wealth during a marriage is that people can change from working together to working against each other. What I mean is that when young couples get together and have nothing they try to work together to make a better life, and sometimes when that better life is achieved people get more possessive of the things they have. That is why in the Forbes article a large percentage of the wealthy have hidden and protected assets. I think this is another example of putting money over marriage.

I also find it funny and ironic that money keeps unhappy people together because it is too costly for them to get a divorce. I hope that I will never get to that stage in my marriage. Ultimately, money is inanimate and neutral and shouldn’t be detrimental to marriages

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In the past week The Baglady’s articles can be found in the following carnivals. The articles included were:

– This carnival was written as a presidential candidate debate. It was very creatively hosted. I especially enjoyed . I once saw a show by the same guy who documented eating McDonalds for 30 days and he tried to live on minimum wage with his girlfriend, and his conclusion was that it’s ridiculously hard. He even added his nephew into the experiment so that it seems he and his girlfriend has a child. It was kind of bizarre to watch.

at Women Start Your Business Now — The weirdest article in this is about .

— My favorite article from this carnival was . Single Ma’s blog is always pretty funny and useful.

— I really liked in this carnival. For the most part I try to be positive around people, but I do get very crazily grumpy when I am PMSing. My husband can definitely attest to this.

— A lot of these articles were very good. I liked because it reminded me of a Demotivator poster that said “Meetings: because all of us is dumber than one of us”. Mob mentalities are often quite dangerous, and not very wise.

I haven’t had too much time to write lately because I am working on something that’s taking up a lot of my time, and I will write about it later when I am done. Also, my husband got me the game . It is an awesome game! My coworker said that he’s not getting his daily entertainment from this blog today. Don’t worry, more exciting Baglady musings will be in your future.

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Lets continue looking at San Mateo home sellers in trouble. Just looking at the most depreciated homes in the previous post you may think that the losses incurred are not so bad. One person said to me that at least these home sellers aren’t losing 100%. The truth is they’re losing much more than 100%. Take the example of a home seller losing 24% of the price of his home and has only 20% of the home’s equity then he is really losing 120% of his equity plus all the interest payments he has made. Basically, all the homeowners who are losing more than what they have in equity are losing more than 100% of their money. I am not sure what amount of equity each of these homes have, but I am sure the statistics would look a lot uglier if we compared the value lost to the amount of equity owned.

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Belmont: 1

Burlingame: 2

Daly City: 13

East Palo Alto: 6

Foster City: 2

Menlo Park: 3

Pacifica: 1

Redwood City: 13

San Bruno: 4

San Carlos: 1

San Mateo: 27

South San Francisco: 29

The clear winner (or loser) is South San Francisco, followed closely by San Mateo. It seems that South San Francisco’s Westborough neighborhood near Skyline College has a lot of homes in close proximity to each other that have had drastic haircuts. For example, on Carter Drive alone there are six homes that are included in the list of troubled sellers. That area isn’t really horrible, but being on the edge of San Mateo County its real estate prices seems to be collapsing in on itself.

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As promised, the following are the five troubled homes with the lowest price per square foot. Several of them are on the aforementioned Carter Dr. in South San Francisco and it seems that these neighbors will drive their collective prices down as they compete for buyers. The last home on this list also showed up in the previous post as one of the biggest losers. Most of these homes have above average sizes and it shows that not only the starter homes are falling in price.

Address: 3550 Carter Dr #134, South San Francisco
Last Sale Date: 2/17/2006
Last Sale Price: 586,000
Current Asking Price: 450,000
Size: 1644 Sqft
Price per Sqft: $274

Address: 3550 Carter Dr #26, South San Francisco
Last Sale Date: 1/6/2006
Last Sale Price: 590,000
Current Asking Price: 590,000
Size: 1644 Sqft
Price per Sqft: $359

Address: 3231 Geoffrey Dr, San Bruno
Last Sale Date: 7/29/2005
Last Sale Price: 790000
Current Asking Price: 775000
Size: 2050 Sqft
Price per Sqft: $378

Address: 3875 Carter Dr #204, South San Francisco
Last Sale Date: 10/14/2005
Last Sale Price: 575000
Current Asking Price: 419999
Size: 1105
Price per Sqft: $380

Address: 2318 Flores St, San Mateo
Last Sale Date: 12/29/2006
Last Sale Price: 1,250,000
Current Asking Price: 888,000
Size: 2304
Price per Sqft: $385

Tomorrow we will look at some more of this data and look at some “luxury” homes.

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So at the beginning of the year I heard that one of my ex-coworkers left our ex-employer and joined a startup called Instructables in San Francisco. The idea of the site is that anyone can post step by step instructions for making anything and doing anything. So I signed up for the site because my ex-coworker is a pretty cool guy and I wanted to support him. From time to time Instructables sends me newsletters with some quite odd things that people posted. Anyway, here’s my own Instructables newsletter with a collection of tips and do it yourself guides for saving money and saving the world:

1. — This is written by a tightwad who combines the forces of his old deodorants together. I actually did this with my lip balm before, by accident. Basically I left the little jar of it in my car and it all melted. I guess this will work with all kinds of things you can melt.

2. — Very simple Instructable that makes a lot of sense. You really don’t need the water on when you’re putting on soap. This especially works well when you’re in sunny California and it doesn’t get very cold.

3. — If you’re into smoking meat or fish, this is pretty awesome.

4. — This is the guide to homemade sodas. I don’t really drink sodas very often, but it’s still pretty cool.

5. – I’m not sure how this works since I always just pay $10 at the pharmacy as a copay. This could help people who don’t have an insurance plan that covers a lot of drug expenses though.

6. — My hubby actually has a wireless mouse. I wonder if he will let me experiment.

7. — I don’t have a garden, but this contraption is an awesome idea.

8. — I think the people who don’t flush to save water will enjoy this hack. It is true that it’s pretty wasteful to use so much clean water to carry our waste down the drain.

9. — I don’t know if I would make this, but it seems that if you make it in large enough batches it’s worth it. It does take work though.

10. — If you eat a lot of bacon and save the fat then this may be useful to you. It’s a little gross, but it is good fat!

11. — The hubby’s friend gave us one of these things for our wedding. Now I know what to do with it when we need refills.

12. — Use enewable energy to heat up wieners! The picture is awesome on this one.

13. — Very easy instructable, though I’m not quite sure if it’s cheaper than just buying the Febreze.

14. — This is sort of a propaganda piece for compact flourescent lights, but it’s pretty well written and full of information.

15. — Pretty much all Chinese people in China actually do this and dry their clothes with the power of the sun. We used to do this when we first moved to America and then one night all of our clothes were stolen by some vagabond. My mom was pretty sad and stopped putting clothes outside. If you have a pretty safe yard or patio this is a good way to dry your clothes in sunny weather.

All of these guides should be used with caution. There are some Instructables that are truly frightening and could harm people. I will not list them here but I do enjoy reading them. Until next time, have fun on Instructables and save our planet!

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Many of my friends ask me, “why are you worried about retirement already? You’re only 24 and you have more than forty years until your retire!” The truth is that I don’t think we have forty years until retirement and a lot of us will be forced to retire early. In fact, a recent article in . That only gives me 33 years, which still seems like a long time. However, I think in the future the average retirement age will only get lower and here are my reasons.

discount viagra canada pharmacy — Our generation no longer work at a company for life. I don’t think it means that we are less loyal, but it’s more of a reaction to the profit seeking inhumanity of corporations. There are often mass layoffs and good benefits such as pensions are mostly eliminated. Basically there are no advantages to being an employee for life. I think the only people in the Silicon Valley who have worked for a private company their entire lives are all at Lockheed Martin, and they’re relics of the old economy waiting to cash in on their pensions. The new world order means that we have no job security and one day we may not be able to find a job and be forced to retire.

discount viagra canada pharmacy — The United States population is growing fairly slowly right now, but it is expected to . Why does this affect our retirement age? Well, basically in 15 to 20 years our children will enter the work force and compete for the same limited pool of resources and positions. In China many baby boomers are forced to retire at age 50 so that their jobs can be passed down to younger people. You may say that it’s ageism, but I think it actually makes sense because you can’t let millions of young people run around without a purpose. Our skills need to be passed down to our children, and we need to step aside at some point. I think forty five years is way too long for us to hold on to a job because two generations of people will enter the workforce in that time period.

discount viagra canada pharmacy — We live in an age where so many things are automated and simplified so that it takes much less people to do a job. For example, my parents are accountants, and they all use software like Excel and Quicken to balance their books these days. However, before these software packages existed people had to do everything by hand. It definitely took many more accountants to run a billion dollar enterprise sixty years ago. I imagine that technology advancements will eliminate a lot more jobs in the future. It’s possible that technology related positions will increase, but if you’ve ever worked in the Silicon Valley you’d know that these jobs are dominated by the under 40 crowd. Additionally, not all of us work in the tech industry so as technology phases out more and more jobs some of us will be forced to retire.

discount viagra canada pharmacy — Globalization is something a lot of people fight against. Right now, a lot of manufacturing jobs in America have already been outsourced to other countries. Since technology has expedited the delivery of goods and services around the world Americans are competing with the global workforce for business. High end professional jobs are also being outsourced to other countries because their workforces are cheaper. This all means that wages will probably decrease for Americans in the future. In fact, our generation is the first generation where our wages have decreased compared to our parents. This means that we should save as much as we can now before our earning power is further eroded.

discount viagra canada pharmacy — Corporations outsource because it is cheaper, and they also hire younger workers because they are cheaper. I have heard of stories of where senior engineers are laid off and replaced with cheaper college grads. Ageism is rampant, and in some cases it’s reasonable. For example, an 80 year old probably isn’t as good of a physical laborer than a 23 year old. However, most of the time corporations want younger workers to pad their own bottomline.

discount viagra canada pharmacy– The proverbial “glass ceiling” is reached much quicker by our generation because our parents’ generation is still in charge of the current state of the world well into our middle ages. Generally people work so that they can reach higher places in their career, and if the peak is reached so quickly then work may become meaningless.

This post may seem pessimistic and paint sort of a grim future, but I think it’s what my mom calls “cautious pessimism”. I think it’s highly likely that our generation will need to or be forced to retire as early as 45 to 50 and that only leaves me 20 to 25 years to save for the rest of my life. A lower retirement age coupled with longer life spans mean that our generation needs to save as much as we can during our working years. I am not really worried about retirement because I am taking steps to prepare for it. It’s much better to start preparing for the second half of your life now and not worry about it when you get there. I am also very optimistic about our generation because we may be able to enjoy our lives more if we plan well and retire early. So to my friends, if you haven’t started contributing to your retirement plan you should do it now before it’s too late.

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