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This is something that has confounded and annoyed me for months if not years. Basically, buying a home always has a moniker in the media as “The American Dream”. This is actually one of the main selling point of the realtors and home builders when they try to sell to first time buyers. I really don’t understand why having a giant load of debt is considered desirable and why it should be a “dream”. So I researched the term “American Dream”, and found that it was defined in a history book by James Truslow Adams entitled buy cialis (1931). The book states, “If, as I have said, the things already listed were all we had to contribute, America would have made no distinctive and unique gift to mankind. But there has been also the buy cialis, that dream of a land in which life should be better and richer and fuller for every man, with opportunity for each according to his ability or achievement.” (p. 404). So why is the phrase “American Dream” now synonymous with being a home-debtor?

Maybe I am just not American enough and don’t understand this madness, but it seems that the “American Dream” has been twisted through the years to mean bigger homes, more expensive cars, and better electronics. It has become a marketing ploy for people to dive into materialism and lost most of its original sense of hope and goodness. I could see how owning a home could be a facet of the “American Dream” when a house represents the culmination of the owner’s hard work, but when that home is financed entirely by debt it contains nothing of the buyer’s efforts. When people buy things on credit and slip further and further into debt they’re not living “The American Dream”. Instead, I think they’re living what I would call an “American Delusion”, and eventually it spirals into the “American Nightmare” if they can no longer handle their debt obligations.

I think the modern American Dream as we know it is a lie. It’s purely a slogan for the credit card companies to spur on spending, or a line for politicians to garnish their speeches. As an immigrant I still hold on to a tiny piece of what the original dream is. I don’t think it’s about consumerism or materialism. It’s about getting a fair chance to achieve success through patience and hard work. It’s about building up a better life in a place where opportunities are abundant and available to anyone. The Dream is an ideal that can’t be bought, but unfortunately it has devolved into instant gratification and debt.

As I write this article a song is playing in my head and it accurately describes how I feel about America and the reality of the American Dream as it is now and I will share a little of it here:
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I'm travelin' down the road,I'm flirtin' with disaster.

I've got the pedal to the floor,

My life is running faster.

I'm out of money, I'm out of hope,

It looks like self destruction.

Well how much more can we take,

With all of this corruption.Been flirtin' with disaster,

Ya'll know what I mean.

And the way we run our lives,

It makes no sense to me.

I don't know about yourself or,

What you want to be - YEAH.

When we gamble with our time,

We choose our destiny.

Chorus:

I'm travelin' down that lonesome road.

Feel like I'm dragging a heavy load.

Yeah! I've tried to turn my head away,

Feels about the same most every day.

I hope you’re not dragging a heavy load and flirtin’ with disaster, but I would like to know what your definition of the American Dream is. Are you living it right now? Are you as disturbed as me that the America we live in today portrays the quintessence of the American Dream as consumerism and materialism?

—————————————————————————————————-

If you absolutely have to borrow , never even go for something like . They don’t take much time in becoming and then you will suffer from too.

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Recently I heard that a jewelry company branded their diamonds Hearts on Fire to charge a premium for the precious stones. The reason they did this is that lately diamond dealers’ profit margins have plummeted due to more educated consumers and online shops like Blue Nile where you can compare the prices on thousands of diamonds with ease. Prior to these branded stones, all diamonds have been “generic” and price was just determined by the characteristics of the gem itself. I personally think that diamonds are a scam, but charging extra for a branded diamond is even more ludicrous. The reason is that if you look at two diamonds of the same quality and size you can’t tell what the brand is at all.

I think that sometimes paying more for a brand name item makes sense. For example, I like name brand walking shoes for their quality. Compared to generic no-brand shoes, a pair of good brand name shoes just last a lot longer. It is the piece of apparel that takes the most beating and my mom found out early on that a more expensive pair of brand name shoes lasted a lot longer than the $7 generic shoes she was buying. The cheap shoes actually cost more in the long run because they broke so fast that she had to replace them. Basically, I think it makes sense to pay a premium for a brand name product if the quality is actually quite a bit higher than generics.

I also buy brand name products if the products are unique and can’t be substituted by generics. For example, many drugs under patent are irreplaceable by generics. So in the case of unique products consumers don’t really have a choice and the company that owns the monopoly on the product can charge any premium they wish. I guess that is why prescription drugs and health care in general tend to be fairly expensive.

Here’s where I think buying brand name products do not make sense. In the supermarket there are many foods that are branded. I have seen store brand butter that is half the price of a package of a frequently advertised branded butter. When the price difference between two virtually identical products is that high I think it makes no sense to buy the branded product. The premium is probably due to the marketing anyway and there is no point in supporting more advertising.

Another thing about branded merchandise I don’t like is that people often use the brand of their things as a status symbol. There is really no point in buying $300 True Religion jeans just for the brand because the same look can be achieved with much cheaper jeans. When people pay a ridiculous amount of money purely for the sake of the brand their behavior becomes brand worship instead of sensible consumerism. In that case, the marketing team of the company has done a fabulous job in brainwashing consumers and building up their brand, but it doesn’t mean that you have to fork over your money to follow a passing trend.

Finally, I hope all of you had a wonderful weekend! If you braved Black Friday I hope you got some deals to make me proud! Did you buy something for the sake of its brand? What attracts you to certain brands?

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Well, it’s been two weeks since the last update and in the last fourteen days about 305 homes in San Mateo County were listed on Redfin. This time buy cialis qualified as home sellers in trouble. This is nearly buy cialis of all the new listings in San Mateo! Quite a few of these homes are marked as lender owned. Here are some highlights.

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If I had a nickel for everytime I heard the phrase “if we go IPO…”, I could probably buy a nice video game. I have been working in private companies since I graduated college and everywhere I go engineers are dreaming of their companies going IPO and becoming the next Google. I am sorry to be a party pooper but the fact is that very few companies become public, and even if they do it’s very unlikely that rank and file workerbees like me would become fabulously rich. These are the lessons I have learned about stock options and I would like to list the reasons why most people don’t become rich off them.

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So I haven’t written that much this week because I started a new job on Wednesday. So far it’s been going really well. I like my new coworkers very much and one of the company founders went to the same college as me. Well, actually a lot of my new coworkers are my former college classmates so it is actually quite fun. With this new job comes some new changes that I will write about in the coming months. For example, I will transfer out of my crappy former 401k that I described . My new employer’s 401k program is through Fidelity once again, and so I am a happy camper and I can roll all my 401k money into one place. Additionally, I have set up my direct deposit to deposit straight into my Vanguard money market account because I never really use my checking account except to funnel money. Vanguard’s direct deposit set up is actually quite cool and you can deposit your paycheck into any number of funds. Finally, I will need to make a decision on whether or not to exercise my vested options at my ex-employer. I do still have about 3 months to exercise my options and I am thinking of doing it in January so that in case I do trigger the AMT I would have to pay it in 2009 instead of 2008. By then, perhaps my old employer would go public (Hah! I wish). At this point, I think the options at my old employer is still worth exercising even though private stock is an illiquid asset. Besides those things, my pay schedule is now synced up with my hubby’s so monthly financial updates should be easier to manage. At my old company I got paid on the 7th and 22nd while he got paid on the 15th and end of the month. So that difference in pay schedule forced me to check our bank accounts every week.

Anyway, I think the hardest part about a new job is really just the first month. After that I can usually get into a regular schedule and comfortably finish my work. Right now I’m trying to get used to the fact that people on my team come to work even later than I do. On Friday I went to work at 11am and I was the first one there. I also got the last cube available in the entire office space and so I’m in the middle of a bunch of boxes and next to the IT lady who talks on the phone all the time about her kid and grandmother. However, that is all going to change soon because the entire company is moving to San Mateo in two weeks. I am looking forward to sitting close to my team and getting a newer office space. It is also ironic because I just left a job in San Mateo and I’m going to move right back. I will definitely see a lot of my old cohorts hanging around downtown San Mateo during lunch. It should be fun because I will get to introduce my new coworkers to the lunch spots I am already very familiar with and still keep up with the gossip of the old office.

On a purely monetary standpoint I am pretty sure that I would have had a higher salary in the next few months if I just stayed at my old company and gotten my yearly review. However, I felt like it was time to learn something new and move on to a younger company. The VP at my old company also tried to convince me that my stock options may be worth a lot even though I have very few shares. That may or may not be true, and I do agree with the VP that the company should do very well in the future. However, I think my current company has a lot more potential because it is younger and makes a great product. I really see stock options as a “possible bonus”, and I don’t count on them to make me rich. I just feel like I have to move on to stay competitive in the field of software engineering. I am really afraid of becoming one of those people that I interviewed who had 8 years of experience and didn’t know the basics.

So that’s what’s happening in my life, and I am pretty excited to do all of these new things.

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