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We live in a capitalist society that glorifies the rich. The mainstream media publishes lists of what the wealthy buy, where they live, and what they are worth. The constant attention to the affluent makes us want to have more and more. For many Americans, their net worths have become their ultimate value in life and they’re constantly comparing their wealth to that of neighbors, friends, and complete strangers. I think it’s incredibly unhealthy and dangerous to keep score in life with money for the following reasons:

brand name viagra compare prices brand name viagra compare prices — If I compared what I have with what others in my peer group have I am very likely to fall into complacency. For example, according to , people my age have a median networth of $400. If I ran with that statistic then I could spend pretty much all my money and still remain above average. Many of us have also read now deceased blog and thought to ourselves, “at least I didn’t get into THAT much debt.” Comparing ourselves with people worse off than us does make us feel better about our own situation, but our misguided comfort may also make us a little less prudent in how we spend and invest money.

brand name viagra compare prices –I live in the middle of a place where . It is a rather ridiculous and comical situation when you think about it. In the article one millionaire stated, “everyone around here looks at the people above them”. Well, guess what? If they just stopped comparing their networth to that of the billionaire in the next town, then maybe they wouldn’t feel so poor. It’s almost impossible to become the richest person in the world so if you look up you’ll always find someone above you. Even when you are the richest person in the world, you may find yourself worrying that you’d lose the number one spot if you’ve always been worried about what others have. Basically, if you keep on wanting more you’ll never have enough.
brand name viagra compare prices — When I walk through the parking lot at work I see quite a few very expensive cars. I don’t really know which ones are paid for and which ones are leased. What I do know is that if I wanted one of those cars I would have to shell out a significant amount of my savings. It’s very likely that those who lease very expensive cars don’t have more money than I do. However, many people get caught up in appearances and run out to buy that Mercedes or BMW just so that they fit into their parking lots even if they can’t afford it. There is really no point in envying someone’s large pile of debt. However, when we look at our neighbors we probably don’t see credit card bills and negative savings. We see their plasma screens and McMansions, and those physical things certainly could stir up jealousy.

brand name viagra compare prices — Sometimes people lose track of their families, friends, and even themselves in pursuit of money. This could happen if a person works way too much and doesn’t have any time to enjoy their money. Also, sometimes people may alienate their friends and family because of their financial situation. I have seen people isolate themselves because they thought they are too poor, and thus they feel like failures. On the other end of the spectrum I have met people who feel like they’re too rich to speak to you. A person’s wealth shouldn’t prevent him or her from making meaningful relationships. I still believe that if a person is really my friend they wouldn’t care how much money I have.

I believe the key to defeating these potential pitfalls is to forget about what other people have, ignore statistics, and only compete with yourself to improve your life I do not care about how many houses other people bought or how much money they have. That’s their business and not mine. I only keep tabs on how much I have because I know fully what is going on in my life. In competing with myself I try to do better than I did in yesteryears. For example, I set for myself and try to reach them. To reach these goals in a timely fashion I would need to increase my income, and to do that I try to improve my career and investing skills. I accomplish things when I compete with myself because I know where I am and where I want to go. Ultimately, making an inventory of other people’s knick knacks will not improve your life.

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When I graduated from college and got my first job my mom said to me, “if you want to live at home it’s fine, but you’d have to pay rent.” I didn’t want to live at home at all because it would take a 1.5 hour trek across the Bay Bridge to get to work. If you’ve ever been on the you’d know why I do not want to drive through that deathtrap everyday. So I packed my suitcase and moved to San Mateo and my parents breathed a sigh of relief.

I have met quite a few “boomerang kids” since then. They are mostly young adults who have well paying jobs. Most of the ones I know that do not pay room and board to their parents are young Chinese men. This may be a cultural thing because in China sons are especially coddled. One woman read my story about my “” and said that she’s very afraid that her child will return home and mooch off of her. My answer to this is that these parents need to grow a backbone and ask their kids for compensation or ask them to move out.

Here’s an example of a family that’s got it figured out. At work I met a girl who happened to be the same age as me and also attended the same school as me. We became good friends and I found out that she lives at home, but her mom takes a bank draft of $1000 from her account every month. She says that she doesn’t want to move out because her parents cleans and cooks, and they no longer give her a curfew. Her parents have sort of become her roommates and landlords. Her other reason for not moving out is that she’s keeping the money in the family. Since she’s an only child her parents’ assets will eventually be hers.

If I had kids with good jobs that wanted to move back in with me I would ask them for rent at market price. If they really can’t afford it then I would rent to them at the Section 8 rate or 30% of their gross income, whichever is lower. I may ask them for a bit over the market price if they are paid very well just so that I encourage them to find a place themselves. If they don’t have a job then I will make them get one as soon as possible and then repay the rent they owe as soon as they are able. I probably don’t need the money, but a lot of parents nearing retirement do need the money. The point is that so many people my age need to learn what the real costs of living are and budget and save accordingly. Children cannot depend on their parents forever, and parents need to learn to let go and give their kids a little nudge out the door.

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Ecclesiastes is probably my favorite book in the Bible because it is a little bit cynical, and at the same time full of hope and faith. It’s a book that matches my personality very well and it has quite a few acute observations about human nature and wealth. Whenever I feel discontent about my career or wealth I read this book and it really puts things in perspective. Here I will highlight some timeless verses from the book, with my comments on how they relate to me.
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This is the main topic of Ecclesiastes. What do we gain from working and living? In other words, why are we here? What do we get for working for most of our lives? I think everyone asks this question once or twice.

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brand name viagra compare prices Ecc 1:10-11

This verse can be interpreted to mean that history repeats itself and we only think that something is new because we no longer remember that it happened or existed before. For me, it means that there is no point for me to participate in fads and fashions and purchase the most popular and flashy thing. This verse is especially true for technology products, because people are trying to reinvent the wheel all the time, and many companies and products are very quickly forgotten.

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The entire second chapter of Ecclesiastes is great reading because it shows that rich people aren’t necessarily happy. The author (who is usually believed to be King Solomon) set out to accumulate great wealth and he successfully gathered a fortune that was above all who were before him in Jerusalem. (Ecc 2:9) Yet he says brand name viagra compare prices Ecc 2:17-19 In these verses the author realizes that he can’t take his wealth with him when he dies, and he has collected so much just to give it to others. This is true of anyone with too much wealth. Bill Gates and Warren Buffet are great examples. They’ve worked their entire lives just to give their enormous wealth to others. Additionally when people make too much money they also pay large amounts of taxes, which is also distributed to others. I don’t think leaving your wealth to others is necessarily a bad thing, but what really struck a chord with me is verse 19 when the author questions whether the receiver of his hard earned fortune is a “wise man or a fool”. At this very moment my tax dollars are being spent on mortgage bailouts, the war in Iraq, and probably ten thousand other issues that I consider foolish, but what can I do about it? Some hope and answers are offered in chapter 3.

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brand name viagra compare prices. – Ecc 3:1-11

These chapter offers encouragement that God has a plan for everything, but God is eternal and timeless so that we don’t know what he has already done for us. It also encourages me to have patience, because eventually I will experience God’s work.

Chapter 3 also has this verse, which is a good verse for those who hate their jobs:

brand name viagra compare prices Ecc: 3:13

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These chapters are mostly about all the people that are not satisfied with what they have. It’s a little comical in some parts.

brand name viagra compare prices Ecc 4:4-6

Verse 4 sums up what we call today “keeping up with the Joneses”, and basically says that labor driven by envy is pretty pointless. Verse 5 is sometimes also translated as “The fool folds his hands and eats his own flesh”, which means that some people are so lazy that they don’t work at all and end up eating themselves. I thought that was funny because my mom told me of a story once of an extremely lazy child who died from starvation even when his mom put a giant pie on his head. This verse reminded me of that story. The opposite of these fools are people are those who work for a lot more than they need, and they’re the ones who have “two handfuls” in verse 6. This brings to mind of those people who bought “McMansions” only to work two jobs to keep their homes. So it is best to be at the middle ground which is work and earn the “handful” I need and be happy with it.

brand name viagra compare prices Ecc 4:7-9

I have met people like this who really have way more money they can spend, but still isn’t satisfied. A good example is my company’s CEO whose networth is probably a few hundred million, but he is single and still works to 2am sometimes. I can’t say if he finds it miserable, but I probably would find it fairly depressing if all I had in my life was work. For me, two are definitely better than one, and I wouldn’t trade my hubby for a few hundred million dollars.

brand name viagra compare prices Ecc 5:10-13

I think these verses give the answer to why people are always pursuing more money. When I first read this I also thought that he meant those who have more to eat got fatter (increased), and that’s harmful to the wealthy. Then again, not all rich people are fat. I think mostly it means that when you have more money it also becomes harder to manage and there is a fear of losing that wealth. Thus the “abundance” sometimes makes the rich lose sleep. Instead of sleeping they could be working to get more money, or managing their money. So wealth produces more work and stress. I have felt that in my life when I am really afraid that the stock market will tank or maybe someone will just steal everything I own, but what I should really be doing is to enjoy what I have been given. So I am still working on this, so that what I have been given does not become harmful to me.

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The author speaks of a common affliction of the wealthy. There are many who are blessed with all the riches they desire, but are still depressed and conflicted. Just walk into a supermarket and you’ll see tabloids plastered with pictures of celebrities who could buy everything but happiness. Basically, wealth without the power to enjoy it is worthless, and “an alien” would enjoy it instead. I think the alien here means someone you’re unfamiliar with. For example, there are often stories of people who win lotteries and then suddenly random relatives pop out of the woodworks to befriend them. Money sometimes attracts people who aren’t really your friends, and they may enjoy your wealth more than you. If that happens then there is no point to having all that money.

There are a lot more great verses in this book, and I feel grounded when I read it. Ultimately the book says that God gives people all that they have, and if we enjoy what we’re given it is a gift from God. Also, without some sort of afterlife or eternity every bit of wealth we collect here on earth is meaningless and empty.

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Mark Twain once said, “There are three kinds of lies: lies, damned lies, and statistics.” I always thought that the Consumer Price Index is all three. Every month we get a number from the government telling us how much prices have risen, and every month I am quite shocked as to how ridiculously low “inflation” is reported. In the past seven years, and have soared. If you forget about the statistics, you can just look at the size of your new neighbor’s mortgage, your gas receipt, or your grocery bill to see significant increases. So how is it possible that the CPI we see in the media is always so low?

The answer can be found here at the :

Q3. Is the CPI a cost-of-living index?

A3. No, although it frequently (and mistakenly) is called a cost-of-living index. The Bureau of Labor Statistics (BLS or the Bureau) has for some time used a cost-of-living framework in making practical decisions about questions that arise in constructing the CPI. A cost-of-living index is a conceptual measurement goal, however, not a straightforward alternative to the CPI. A cost-of-living index would measure changes over time in the amount that consumers need to spend to reach a certain “utility level” or “standard of living.” … It is very difficult to determine the proper treatment of public goods, such as safety and education, and other broad concerns, such as health, water quality, and crime that would comprise a complete cost-of-living framework.

Fine, now I understand that it’s very difficult to construct a cost of living index and I suppose that’s why ““. But why do adjust according to the CPI if it doesn’t reflect the movement of their living expenses? How could our seniors who live on their pensions or social security funds that increase according to the CPI handle cost of living adjustments that are several times of the CPI? Should they be adjusting their spending so that 60% of their money is spent on movie tickets and airfare? Why are we using a statistic that we know is broken on something as important as the livelihoods of entire families?

The government does benefit financially in several ways by reporting a lower CPI rate. Since they adjust their wages and retirement benefits according to the number, the lower it is they less they spend. The tax brackets and exemptions are also tied to the CPI, so a smaller increase in the tax bracket means more tax revenues if most people’s wages adjusted more than the artificially low CPI. Additionally, a low CPI in the media reassures consumers that things aren’t getting more expensive and it’s okay to spend. More spending stimulates the economy, but decimates the savings rate and actually increases inflation.

I have no idea what the “true” inflation on everyday living expenditures is, but I am absolutely positive that it has been much more than 3 percent a year for the last seven years. That’s why whenever I see retirement calculators that use a historic CPI rate to estimate my future costs I tend to be skeptical. I always add at least 3% to the CPI inflation number to estimate my future costs. I am pretty sure that real inflation will hurt us next year since the Fed has cut the interest rate a whopping 0.5% and crude oil is now at an all time high. In conclusion, don’t trust the CPI numbers as a measure of inflation. In fact, don’t trust any numbers but your own because only you are familiar with your own situation and needs.

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Before I start this post I’d like to tell all of you that I secured my exboyfriend’s permission to write this article about a month ago. He is an intelligent and capable guy, but he might be a little too penny-pinching for his own good. The first time I wrote a story about his tight-fisted behavior I didn’t tell him about it and entered it into Suave’s America’s Smartest Shopper Essay Contest under his name. It was a silly joke, but ironically the entry was selected as a finalist and he won $200 in cash and was invited to audition for a TV show on the Style Network about the longest yard sale. I had to let him cash the check, but in return he bought me a full tank of gas and dinner for my parents. All of that didn’t add up to $200, though, but I guess it is the thought that counts. I’ve forgotten what exactly I wrote in that story, but here are some possibilities.

brand name viagra compare pricesbrand name viagra compare prices brand name viagra compare prices– This behavior is understandable if he were 16, but he is now 26 years old with a well paying full time job as a mid-level software engineer at a fairly large defense firm. He says that he serves as his parents’ marriage counselor, system administrator, and financial adviser so that he doesn’t have to pay his parents anything. Therefore, he has zero living expenses.

brand name viagra compare prices — This is a benefit from his employer. He has something called the “Ecopass” and he can take the bus and train for free in Santa Clara county. It would be a lot more convenient for him to drive to work, but he saves a lot of gas money by using his free bus pass. On the weekends he can just borrow his parents’ car and this way he has no automobile expenses.

brand name viagra compare prices — Our best dates were the company parties, because all the food and refreshments were free. There were also a lot of free movie tickets that we won from sweepstakes. There was also a very cheap Cinelux theatre in Milpitas that sold $1.50 tickets on Tuesdays, and we went to that fairly often. The theatre has been closed for a couple years now, but it was possibly the cheapest theatre in the Bay Area while it stood. I didn’t really mind having cheap and free dates because I am pretty frugal myself, but I imagine a lot of other girls would have objected to all the dates being free or under five dollars.

brand name viagra compare prices– For as long as  I knew him his dinner diet consisted almost entirely of 25 cent spaghetti and 79 cent spaghetti sauce. He was quite proud of it too, and said that he would only buy spaghetti when it’s 25 cents, and he would stock up whenever he sees it. Sometimes he also brought some porkchops that his dad made for him and added it to the spaghetti. Once I went to Longs Drugs with him to procure some of that cheap spaghetti and they ran out, and he said that his mom would usually ask for a raincheck in that situation and buy the spaghetti later. Lately I asked him if he were still eating the 25 cent spaghetti, and he said, “no, 25 cent spaghetti is hard to come by now, the best I can get is 50 cents”.

brand name viagra compare prices — He would usually do #1 in his toilet 4 to 5 times before flushing and by then his toilet usually looks like a yellow bubbling cauldron. When I asked him why he did that he said it’s to save water. That is quite a weird dichotomy in him because he is very clean about his other living spaces and picks up every piece of hair and trash. He also cleans himself up pretty well, but he just doesn’t like to flush because according to him it wastes water.

brand name viagra compare prices — Sometimes banks or credit card companies send you small checks of $15 or $20 and if you cash them you are enrolled in some credit monitoring system that charges a fee. Well, he cashed one of those and forgot to cancel the service, so he ended up with negative five dollars. He was pretty sad about that, but couldn’t do anything, but now he no longer falls prey to small free checks.

You’d never know that he was that parsimonious just by looking at him. He actually looks like a fine well groomed young man and he is currently attending Stanford for his masters and works at the same time because his company is picking up his education tab. Looking back, I am pretty glad that I broke up with him because if I married him I would have had no wedding and right now I would probably be living with his parents and eating 50 cent spaghetti. Saving money is generally a good thing, but too much of a good thing can be hazardous, too . So now whenever people say that I am stingy I say to them, “well, let me tell you the story of my ex-boyfriend, his cheapness is award winning …”

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