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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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Well, 2008 is really flying by.  Now we are in the first day of July I think it’s time for a mid year review of my goals for 2008 which.
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viagra purchase online- I am still looking into this, but I think the biggest obstacle is my weird working schedule.  I work from 11am to 7 or 8pm on most days.  Maybe I can find things I can do at home or before I go to work.

viagra purchase online – When I set down this goal I was only writing .  In January I was invited to write for and then I started in March.  So combining all three blogs now I get on average 2000 pageviews  a day. This is a huge improvement.  So I think I will have to revise this goal to getting 4000 pageviews a day on average by the end of the year.
viagra purchase online – Well, since getting the Wii Fit and getting I have been exercising with the hubby almost everyday.  So far I lost about 2 lbs, but I feel that I gained a little bit of  muscle and my thighs are more toned. So I guess we will carry on and see what happens.
viagra purchase online – I am working on this, really.  I try to listen to the hubby when he tells me to clean certain rooms.  This weekend he said that my bathroom is above average in cleanliness.

5. Be awesome at my job – I have been at my job for almost 8 months now and I have pretty much settled in.  I learned quite a bit of new things so now my job isn’t that difficult once again.

Financial Goals
viagra purchase online- I received a  small raise at work a couple months ago.  Since I was a new employee and had only been working there for four months they prorated my raise so it was about 3.5%.  I think after taxes I am earning about $100 more a month. It’s almost enough money for gas! Anyway,  I was pretty happy about it since I was expecting nothing.  My manager actually told me it was a special raise since pretty much all the other people who worked at the company for less than six months got no raise.  I believe him since in my last company all the people that has been at the company for less than nine months didn’t get a raise.  I guess it makes sense.    Anyway, my salary isn’t 100k, yet, but my blog income has grown quite a bit.  So it’s quite possible to break $100k in income this year.
viagra purchase online- Well, we’re actually progressing nicely towards this goal.  Our networth has gone up 21% since 12/31/2007 despite the recent stock market drop. So I think we’re definitely on track for 40% by the end of the year.

viagra purchase online – I think with is pulling in I would have to file taxes as a business at the end of the year so I can write off some of the expenses I have incurred.  I would have to pay income taxes anyway so I might as well deduct some of the valid expenses I had such as hosting and software.

So all things considered, 2008 is turning out to be a good year.  I think writing down my goals really helped me in working towards them. Now I just have to stay the course for the second half of the year!

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Well, I’m reading some panic-inducing headlines lately about the Dow going down 20% and how it is worst June since the Great Depression.  Recently my mom asked if I were selling my investments lately, and I  said no way.  Here are some of the reasons why I am not panicking and keeping my portfolio intact.

viagra purchase online  -  The hubby and I have a cash reserve that could last more than a year of our expenses.  So there is no need to touch our long term investments.
viagra purchase online – Most mutual fund investors do not get the long term gains as advertised by the funds because of panic selling at low points.  Since most of my portfolio is in funds, I am keeping them still to get the long term benefits.

viagra purchase online – Yes, my portfolio has gone down a few percentage points, but overall I still have gains because I have been investing for more than three years.  So if I do sell now, I still have capital gains taxes to pay, and that doesn’t seem to be worthwhile.

viagra purchase online This is an election year, so volatility is to be expected since there are a lot of uncertainties. Additionally, the turmoil in the credit/finance industry has not totally settled yet. I would be more worried if there was no volatility and the markets are shooting straight up because that might indicate another bubble.

At this point, the best thing for long term investors to do is to not look at the market.  A funny story I read at the Vanguard Diehards forums said that a photographer asked one of the Bogleheads  “How’s the market doing?”, and someone answered, “I don’t know and I don’t care!”. I like that attitude.  I think   my portfolio is fairly well diversified and I am comfortable with its long term growth, so I am just leaving it alone.  If I look at it too much, I might be tempted to do something stupid, and that could be disastrous.

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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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