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Well, I have been working for almost three years, and I am . Some older family members have warned me about being a job hopper, but I don’t think it’s such a bad thing, and here’s why.

When we are in school we are trained to learn new things every semester. We also get new teachers and sometimes new friends. So in a way we are trained to change our environment constantly for 12 to 16 years. It is pretty jarring when you get out of school and you are expected to stay with one company for a very long time. In my case I stayed with my first two companies for more than one year each, and I thought that was a pretty long time at each job, but apparently some people I have met still think you should stay at a company for at least five years, or for life. I think that’s just silly because I really think that if I didn’t change jobs, I wouldn’t have learned as much as I did. I started in a pretty great company with a bunch of extremely smart people, but after testing one application for over a year, I was pretty sick of it. It was possible to move into another part of the company, but I would still work with the same product, and I decided it was time to move on. At my next company I learned a lot more about web technologies and picked up more useful skills. However, after a year and half of the same work I felt that there was not much more to learn.

Another thing I have written about before is that there is really these days. Companies can fire us whenever they want, so why are we expected to give our lives to one corporation? I think in today’s society, blind loyalty to one employer is pretty foolish. When you put yourself out on the market more often you learn what skills are needed in your field, and you can improve yourself accordingly. When your skills are updated and transferable you will not be afraid of a situation where your employer decides to shed you like last year’s fashion.

Job-hopping also builds up your network faster than if you would have stayed in one place. I think making just one friend in a workplace is a great thing, and if you go to more places you are more likely to make business connections that could be tapped later. It is definitely possible to find people you can get along with in almost any workplace. I still keep in touch with quite a few ex-coworkers and it’s fun and informative to discuss our jobs and lives we no longer work with each other.

Finally, when you change jobs more often you are more likely to get great raises from job to job. I think if I had stayed at my first company for 3 years I wouldn’t have had an over 50% increase in my salary in that amount of time.

I feel that in the Silicon Valley job hopping isn’t really looked down on as much because companies are dying and rising all the time here and people shift accordingly. Nearly everyone I know have had a job for less than two years. Right now I feel like I could stay at my current company for quite a while, because I still have a lot to learn after working there for six months. I am pretty sure I won’t stay for life, though, but a tenure of a few years is likely.

I am curious, though. What do you consider to be job hopping? Is changing jobs every year considered job hopping? How about changing jobs every two years? Do you think it is bad or good for your career?

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So my dad wrote a comment on my earlier post saying that there is good and bad debt, and not having debt doesn’t mean you are good at managing your money.  That is definitely true, and I feel like I need to address what I think the nuances between good and bad debt are.

First of all, I am pretty sick of people telling me that a mortgage is good debt, because it is not that simple.  I think a mortgage can be good debt if the property you purchased  generates cash flow. In the case of a primary residence, this means that the cost of your monthly mortgage is less than the cost to rent a similar home. In the case of a rental or investment property, this means the rent you collect covers your mortgage and maintenance costs.  Additionally there is the possibility of asset appreciation, but that is an uncertain factor that should be measured conservatively.  A mortgage is definitely bad debt if you can’t afford it or if you have to  stretch your finances extremely thin to afford it.  If you are losing buckets of money by taking on a mortgage, then it is bad debt.

Another iffy type of debt is student loans.  A lot of people consider them to be good debt because they financed an education, but I think student loans can also be bad debt if the education was never put to use or if the interest rates are extraordinarily high.  Then again, it’s hard to gauge the future when you are young, idealistic, and have a passion for learning. However, it is possible to figure out the approximate salary you could potentially receive by finishing a certain degree.

Credit card debt is another thing that could be good or bad.  If your credit card debt has 0% interest, it is possible to leverage that money into safe investments and pay the credit card company back.  In fact a whole group of people have taken advantage of this in the past few years when bank interest rates were high.  However, most people who have credit card debt are in a situation where they are paying extremely high interest rates on purchases of useless items.  That is extremely bad debt.

So what’s the bottom line?  I think good debt is basically debt you could make a profit on and bad debt is the debt that make you have less than what you started with.  It is hard to figure out which is which in some situations, but when you realize you have bad debt you should work on eliminating it as soon as possible.

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Since the hubby and I do not have any debt, we do not know the stress of debt, but there is definitely stress in saving money. First, you have to be vigilant about deals and sales when you want something.  Then you make sure you use your coupons. You also do things like budgeting to make sure that you have money to save.  Then after you save your money you have to figure out how to allocate it and manage it so you don’t lose what you worked for to inflation and other larger forces. Sometimes I do find managing our growing portfolio to be a pain in the butt.  One time my hubby laughed at me when I groaned at the dropping interest rate on our accounts and he jokingly said that he used to manage his money by spending it and I should do the same and cut out all this stress.  I glared at him a bit and told him that the interest rate on his entertainment fund as prescribed by also dropped.  At that moment he screamed in a dramatic fashion, “Nooooooooooooooooo! SCREW YOU FEDERAL RESERVE! YOU STOLE my game money!”

Surprisingly after eight months of marriage, the hubby and I almost never fought about money issues even though he is more of a spender.  I think one reason that we do not fight about money is that we have no debt.  From what I have read in the news and heard from friends, the stress of debt is very draining and even debilitating. One woman wrote me saying that she feels like she is always behind on the bills and she hates that feeling because it is like she doesn’t have control over her own life.  Unfortunately sometimes it creates a vicious cycle because research showed that when . When I watched the movie , I was shocked that people actually killed themselves over credit card debt. I can’t say I know how that feels,but I imagine it is extreme psychological torture for people to take such extreme measures.

I think will take the stress of saving money over the stress of debt any time of the day. I don’t mind that the hubby and others laugh at my Ferengi ways because I find it funny, too. I have also learned a lot about the world and the economy through my research into how to manage my money.  In the end, the work I put into saving money gives me a sense of security and well being. Every month I pay our bills and then add up the amounts in our various portfolios and give the hubby a short net worth report. It’s always good to know that we have a financial cushion to fall back on and we are  ahead of the bills, and I truly believe that it is good for our marriage.

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Yesterday was the free scoop day at Ben & Jerry’s. However the closest scoop shop to us was about 20 miles away so we just stayed home. We received a flyer sometime last week for the 31 cent night at Baskin Robbins and have been looking forward to it ever since. It is supposed to be an event to honor the firefighters of America and the closest Baskin Robbins shop is only 2 miles away from home! What’s even better is that their limit is 10 scoops per person so we can each try a few flavors. When the hubby heard that it’s 10 scoops per person he said, “Ice cream for dinner!” However, I’m pretty sure he won’t buy ten, but it is a good deal because each scoop is supposed to be 2.5 ounces.

I haven’t been to a Baskin Robbins for a very long time, so tonight we are definitely going. My mom is probably going to read this and say, “YOU NEED TO LOSE WEIGHT”, but that’s another story for another day. So if there is a Baskin Robbins near you, take a stroll tonight and get some cheap ice cream!

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The hubby and I did do some fun stuff on our weekend to Vegas. On Saturday we went to a company sponsored party and then we saw the Cirque du Soleil show Mystere at Treasure Island at night. There are at least five Cirque shows in the various hotels, but my manager and coworker recommended Mystere because I have never seen a live Cirque du Soleil show before. When we were purchasing the tickets online my husband said, “Wait a minute, I know why you chose Mystere! It’s the cheapest show!!! I can read your mind!!!” That wasn’t entirely true, but we managed to get very good seats and had a blast at the show. There was a good amount of hilarious clowning, razor sharp acrobatics, and gorgeous aerial performances. Then there was taiko drumming and the live music was quite amazing. I really think the show had it all and I would definitely go see another Cirque du Soleil show in the future.

It is funny when I see on TV that kids say they want to run away with a circus. I completely understand the romanticism and adventure associated with being part of a circus. You get to dress up in pretty costumes, travel the world, and make people happy! However, I also know that it involves a lot of hard work because my dad has a group of friends from a national level circus from China. In 1989 the troupe was performing with the Big Apple Circus in the United States, and several acrobats and just walked out of the last show and defected along with a translator. They were allowed to stay in the United States and then other acrobats of the same troupe were invited to the United States later as teachers and performers. I met the ringmaster of those acrobats once, and he is a pretty amazing guy. He was already 50 something when he was invited to the United States as a teacher and didn’t know the alphabet or any English. Through determination, he managed to learn English phonetically by writing down each sound in Chinese characters and now he speaks quite fluently. He also handpicked many of the performers in his troupe. One younger acrobat told me that he was sent by his parents to train as a gymnast for the Chinese national team, but he was eliminated when he was 10. Every year the ringmaster goes to the gymnast training center and finds new performers for his group and picked him. Most of them have been training every day for 10 to 12 hours a day since they were five and the circus is their family in every way. They managed to mostly stay together and was hired to teach at an acrobatics and performance arts school in San Francisco called the Circus Center. Now after nearly 20 years, their students have performed in Cirque du Soleil and other shows around the world.

I think I appreciated the Cirque show even more because I know the amount of training the performers put into their art. It is a real career path that takes a lot of hard work and passion, but having sold out shows must be quite rewarding. So if you
ever run away with a circus, make sure you are ready for some grueling work!

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