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The New York Times recently published an that allows you to compare your debt situation to a group of more than 360 American families that were surveyed in 2004. After playing with it for a little bit, it was pretty clear that this survey indicates that those with more income are more likely to have debt. This led to me to ask, why is that those with more means seem to borrow more?

The calculator allows you to input your mortgage debt, credit card debt, automobile debt, and educational debt.  Then you can choose your income and age group on the bottom and it tells you how many percent of the families they surveyed are like you. So I put in $0 and less than 35 year old.  In my age bracket, 39% of families making less than $20,000 per year had no debt, and only 3% of families making more than $150,000 per year had no debt.  This is a very stark difference.  When I changed the age bracket to all age groups, 47% of families making under $20,000 had no debt while only 14% of families making more than $150,000 had no debt. That is still a very big difference.

I noticed that regardless of income, most of the debt of these families came in the form of mortgage. The average amount of mortgage debt goes up as you scroll up in income. This makes sense because more income allows people to qualify for larger mortgages.  Higher income families also tend to live in areas with high costs of living so housing is more expensive to begin with. Some would argue that mortgage is a type of “good” debt because it allows people to have a piece of real estate after it is paid off, but that alone  does not change the fact that it is a debt.

In all the other categories of debt, higher income families still owed more than lower income families on average.  The average automobile debt of families making over $150k  is nearly 9 times the automobile debt of a family making less than $20k.  All of this just shows that those with higher income spends much more on the same goods and services.

Personally I have lived in both ends of the income spectrum presented in this survey.  When we just moved to America we were living on one graduate stipend.  All three of us lived on less than $1000 a month and we watched our expenses day to day.  Nothing was bought without a coupon, and the damaged foods section is where we shopped first. When my family was at that income level, frugality was necessary for survival  and  there is no room for debt because one credit card interest charge could mean a week’s worth of groceries.

Later, my parents graduated and we moved to the San Francisco Bay Area.  They both had well paying jobs after a few years, and they took on a mortgage. A big change I noticed is that we no longer cut out every coupon we found for food and we ate out much more.  It was much easier to spend money because we had more income than before.  The rationale was that coupons were no longer worth the time and effort to redeem, and paying for good food was great because we can’t cook like that anyway. Being frugal is just harder when you have the means to spend your money and justify it later as only 0.25% of your salary.

Though, having said this, I would like to clarify that my family was never that extravagant and got in any debt other than their mortgages. Also, I think it would more interesting if the NY Times reported the amount of assets these families had and see if these families could cover the amount of the debt they have.  If the higher income families had enough assets to make their net worths positive, then they are not too badly off.  If they had the most debt and least assets, then they are really in trouble.

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I have only two cousins because of the . My older cousin is named Yang and he is three days older than me. Before I left China, we were sort of like twins and played with each other quite often. Last year, he finished his masters in wireless engineering in Nanjing and recently my mom told me that he got a job as an wireless engineer in Shanghai that pays about 5000 yuan a month. I thought that was great news because jobs in China are very difficult to find for young people since there are just too many college graduates. Then my mom started to name all the things she thought were negative about this job because it is her duty as a Chinese mom to report all the bad things in a gossip session.

First of all she said that my cousin is paying over 1000 yuan to rent a small apartment in the city of Shanghai even though he is only paid 5000 yuan. Second, the company he works for does not provide job security. They fire anyone at anytime they please, and some employees have committed suicide because of long work hours. Third, she said that my aunt told her that it is impossible for Yang to afford to buy a place in Shanghai on his salary. I pretty much laughed at this and said, “you think my life is so different?” When I just graduated, I was paid exactly 5000 dollars a month, and I also had living expenses of nearly 1000 a month. If I lived alone I would also have paid rent of over 1000 dollars a month. So on the expenses front, the difference between my cousin and I is that one of us uses dollar and one of us uses yuan, but our expenses are pretty much the same in terms of percentage of income. I also do not have any job security because California is an at-will state that can fire anyone they want at any time for any reason. Finally, on the real estate front, I can’t afford a place in San Francisco on my salary either! (I am using San Francisco as a parallel to Shanghai because they are both big and densely populated cities with very expensive real estate). The only thing I don’t have is the long work hours, but that is because I choose to not work long hours.

After talking to my friend Mary who goes to China often, we both came to the conclusion that the struggles of young people in China and America are very similar. Financially, we are all dealing with rising prices, stagnant pay, and unstable careers. There has also been a housing bubble in China since the Chinese Communist Party allowed personal ownership of real estate. Politically and socially we all do not have much of a say in  governments that are ruled by the generation before us. Sure, America is supposedly democratic, but honestly how many politicians actually care about our generation? Even Obama, who is supposed to be “young”, is proposing a tax proposal that eliminates taxes for seniors making under $50,000. What about the young people that make under $50,000? Anyway, I could write a whole other rant on this issue, but basically the challenges American young adults face politically are not so different from Chinese youths who are under a totalitarian regime. American youths are taught to believe that they can affect the decisions of the government, but in actuality the government is controlled by an older generation that could not care less. In a way that’s more frustrating than knowing for certain that your government will not listen.

One thing that is marked different between the lives of Chinese young adults and American young adults is that many of the urban Chinese youths we know have quite a bit financial and physical support from their parents. For example, some married only children have all four of their parents taking care of their kids. On the other hand, American young adults have to deal with costly childcare or just not have children at all. I don’t know of any non-Asian households where all four grandparents are taking care of their grandchildren full time. A lot of Chinese parents also buy houses for their children, and again, that is rare in America.

So having said that, I think my cousin is doing great in China. He has officially become independent, and that is a great achievement for any young adult.

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In addition to “Introduction to American Economics” and “Mathematics for Business”, I also chose “English” and “Basic Accounting”. At that time the college had an English requirement. Every student must pass “English 100″ to get a diploma. I’m not sure what level of English this is equivalent to in China, but at that time I only scored 540 on the TOEFL and I did not qualify for “English 100″, yet. Under “English 100″ there were “English 10″, “English 20″, and “English 25″. After I took a placement test, my student advisor suggested that I should take “English 25″, which is Basic English Writing.

The professor of Basic English Writing was a tall and slender British woman named Cary. She was a bit over 30 and spoke with a heavy British accent. When I learned English in China my professor had a Russian background, and did not speak with a standard accent. Additionally, my college class was the first class after the end of The Cultural Revolution, and we did not have a lot of great educational materials. Additionally, since my major was agricultural economics in college, I had to learn a lot of Marxist political and economic theory. At that time I bought a full set of “Das Kapital” and read it through, so I didn’t have time to learn English. After I moved to America, I realized that British English sounds different from American English. When I worked in Duke’s Lane, I could distinguish different English accents such as Australian, New Zealander, and Singaporean.

Cary is very strict with her students. Every time I received my papers back I would see her edits blooming like red flowers. Behind each paper she would write very detailed and helpful comments. I remember I wrote an essay titled “My Daughter Xin”. The essay chronicled how Xin started to learn Chinese at age two and how she was able to read at age three. When she was nine I brought her to America, and when she just came she did not know any English so we let her stay back one grade in school and repeat fourth grade. After half a year, she managed to catch up to her classmates. Additionally I wrote about her hobbies such as collecting coins and stamps. Finally, I wrote that my wife and I wished that Xin would have a bright future. I think Cary was also a mother because she really loved this essay. After some edits, she sent my essay to the school’s English magazine and published it. Unfortunately, I no longer have a copy of the magazine, but my wish for my daughter to have a bright future has been realized.

In a blog post I wrote on 7/27/07 titled “When can parents let go?” I wrote, “If someone asks me what the greatest benefit of leaving China is, I would say that we have found a place where children can freely develop.”

Basic Accounting was a course that related to my future job. I had an excellent professor named Rose Kar. She was a little over 30, and already had an PhD in Accounting from the University of Texas. She taught at Kapiolani and also the business school of The University of Hawaii at Manoa. After my wife Helen switched to the business school she was also a student of Rose.

Rose Kar’s teaching style is very focused and logical. She also built upon the material like links upon links of a chain. Another thing I noticed is that she likes to save time. When you listen to her lectures, you must be very focused. From the beginning of the lecture to the end, she would start from the left side of the blackboard and work on one problem. After the lecture is done the entire board would be covered and the problem is done. When she is demonstrating a problem she would welcome questions from students. I remember that I liked to ask some weird questions. For example, in several different types of transactions, how would you balance several depreciation methods and find the best method?

A Chinese proverb says, “professionals watch for special techniques, and amateurs watch for entertainment”. Since I was a professor, I felt that I gained quite a bit from Rose Kar’s class. Her class definitely gave me a great foundation in accounting, and that helped me in my future job immensely. Rose Kar also liked a student like me who liked to ask questions and challenge the professor. After one semester, I received an A in the class, and she recommended that I should become a tutor at the student learning center and tutor other students in accounting.

After one semester, I received an A in all four of my courses. In the second semester the school gave me the coveted Pacific Scholarship, and that waived all of my tuition. That was a great boost to my confidence and life.

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Lately, one news story that has been really getting on my nerves is that of Laura Richardson, the Southern California congresswoman who defaulted on three separate homes repeatedly and most likely used her influence to that has already been sold. The investor that bought her home has against the congresswoman and Washington Mutual for illegally rescinding a proper sale. I hope the buyer James York wins because there was no possible way that the congresswoman didn’t know about the sale. She didn’t pay her mortgage for more than six months!! What did she think was supposed to happen? After the congresswoman’s mortgage troubles were publicized, more information came to light that she has a history of being a deadbeat and and . She took money out of her three homes to finance her campaigns, and made only a few payments on her Sacramento home. If debtors’ prisons were still in operation, this woman would be sitting in jail right now eating gruel . Instead, she is being in her honor to help her with her debts. One thing that made me laugh and cry at the same time was that in this she said “she is like any other American suffering in the mortgage crisis and wants to testify to Congress about her experience as lawmakers craft a foreclosure-prevention bill.” Right, she is just like any other American that buys three homes, pulls money out, stops paying the mortgage and property taxes, and then denies that she knew anything about an oncoming foreclosure. That is really believable and poignant!

Apparently, Laura Richardson is not the only representative with mortgage woes. A less publicized case is of state Senator Julia Boseman of North Carolina. She and her ex-partner Melissa Jarrellon their $1.3 million dollar mansion since August 1, 2007. In order to clean her own hands, Boseman has taken herself off the home’s deed without her ex-partner’s knowledge. The house is set to be auctioned, and I hope Boseman doesn’t use her political clout to take the house back like Laura Richardson did.

Finally, we have the bizarre story of Shirley Huntley, a state Senator from New York. She stopped paying her mortgage intentionally as an to see if she gets proper notification from her bank. After four months of not paying her mortgage and facing foreclosure, she paid up everything plus legal fees to avoid foreclosure. According to the article, her “original mortgage in 1976 was $28,500. Three decades later, she owes $290,000 due to repeated borrowing against her home”. So did she really conduct an experiment or did she just try to cover up some financial trouble? Either way, at least this woman owned up to her debt and paid it off. The alarming thing is that she used her home as an ATM so that her initial debt ballooned to more than 10 times of its original size.

With representatives like these, I guess I understand why the housing bailout is so popular. Congressional rules do not prevent representatives from voting on issues that help themselves financially because it is hard to avoid, but is supporting financial irresponsibility really wise? Anyway, all members of Congress and the Senate are required to report their personal finances and you can see the reports at . I encourage all of you to take a look at your local politicians and see how responsible they are with their own money, because I believe a person really needs to get his or her own affairs in order before making laws that affect millions of other people.

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For a couple months now, people have been telling me that Obama’s tax plans will benefit middle class Americans and also people have been showing me this graph where the middle class gets a bigger tax cut, but I am a skeptic of this because I’ve never heard Obama talk about the Alternative Minimum Tax. McCain on the other hand wants to index the Alternative Minimum Tax with inflation. This is actually an important issue that most people do not think about, and here are my thoughts about it.

I have written about before and pointed out that it is no longer a tax for the rich even though it was designed to be a system to make “the rich” pay taxes. The main problem with the AMT is that it was never indexed for inflation, so what was rich in the 60s is now middle class. Every year congress spends a bunch of money and time to argue about the issue and patch the problem, but noone makes a permanent stand. So how does this relate to Obama’s tax plan? Well, a family pays AMT when their AMT amount is more than their regular income tax. So here is a simple example. Suppose a middle class family has a regular income tax liability of $7000, and an AMT liability of $6500, then they would pay the $7000 regular taxes. Now if Obama gives them a $3000 tax cut and doesn’t change the AMT liability, then their regular tax liability would be $4000, and their AMT liability would be $6500. So they’d still have to pay $6500 under the AMT and the effective tax cut is only $500. McCain originally wanted to repeal the AMT all together, but now says he wants to do a phase out because the AMT is really a revenue machine for the government that is hard to get rid of. So even though McCain’s plan seem to give less tax cuts to middle income families, I think he could save a lot of middle class families money on the AMT by indexing it appropriately. On the other hand, I don’t think Obama’s plan really gives that much tax cuts to middle income families because he does not address the AMT.

How many people will the AMT affect? Well,without any change it is supposed to hit 30 million mostly middle-class taxpayers by 2010. According to , The Tax Policy Center estimates that by 2010, 89 percent of married couples with two or more kids and adjusted gross incomes between $75,000 and $100,000 will be subject to the AMT if nothing is done. So even if Obama cuts the regular income tax on these people, it would not matter at all because they will already be paying the AMT.

Finally, I think Obama’s plan to make “donut holes” and tax the rich sounds awfully like creating another AMT system, and I’m very wary of this need to punish the rich with more taxes. Obviously, every new attempt to make the rich pay more just creates more complexity in the tax system and create problems down the road and hurt the middle class. So yes, it looks like Obama will give the middle class a bigger tax break and tax the rich more right now on paper, but I highly doubt that is what will actually happen.

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