Hello everyone, welcome to the Carnival of Twenty Something Finances for the week of April 7th, 2008. In this edition we have more than forty articles on a variety of financial subjects that twenty somethings could learn about. Read on for some financial enlightenment!

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Investing Man presents posted at . This reminds of my post where . Investing Man’s article expands the idea to all types of negotiation.

Finance Girl presents posted at . Finance Girl followed and wrote about her childhood money memories. There are some great stories here!.

Monevator presents posted at . Monevator gives great advice about not panicking in this economic environment. This is a very detailed and well written article.

Tip Diva presents posted at . This is a pretty interesting list of tips. I haven’t gone dumpster diving, but in the past I have gotten clothes, furniture, and books that were discarded on the side of the street. I am wearing a pair of my neighbor’s unwanted jeans right now.

Sarah presents where she discusses how expensive a diploma really is! I never got my diploma because I was too lazy to order it. I think it’s still in Sproul Hall somewhere and employers verify everything online these days so I never needed my physical paper diploma.

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Heather Johnson presents posted at .

GBlogger gives us posted at

zork presents posted at .

Dividend Growth Investor presents posted at .

Livingalmostlarge presents posted at .

Faron Benoit presents posted at .

Seb presents posted at .

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Michael Bass presents posted at .

Steve Faber presents posted at .

FIRE Finance presents posted at .

Shuchong presents posted at .

Ray presents posted at .

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Ted presents posted at .

Patrick A. Sizemore presents posted at .

Realm of Prosperity presents posted at .

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Shanti presents posted at .

Tracy Kiss presents posted at .

Passive Income Investor presents posted at .

Karin Verbeek presents posted at .

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Rio presents posted at .

Charles H. Green presents posted at .

David Carter presents posted at .

Richard M. Rothschild presents posted at .

Jorge H. presents posted at .

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Ana presents posted at .

Dorian Wales presents posted at .

Roshawn Watson presents posted at .

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David presents posted at .

KCLau presents posted at .

That is all for this edition. Thank you all for submitting your wonderful articles and make sure to link back and promote the carnival via social bookmarks! If you want to participate in the next carnival it will happen in two weeks and you can .

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An it might be, is not the answer to situation. The solution is learning to spend wisely. This means resisting borrowing a of any sort on your . Even if you have a , retaining it is the best measure.

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It is kind of funny. When you are a child, you think of what it is like to grow up and be independent, and then once you become an adult you realize how short and precious childhood really is. A lot of people find my blog by searching terms relating to Asian parents pushing their kids. Today I want to address a few things about parents who push their children because they consider their children to be gifted.

I am not a parent, so I can only speak from the perspective of a child. My mom taught me to read Chinese at a very young age. My parents and their neighbors tell me that I was three when I started to read newspapers and books. I only have vague memories of those times. Anyway, I do remember people calling me a “sheng tong”, which means “god child” or “genius child”. So as a result my dad decided that I should go to elementary school early. In China you are supposed to enter first grade if you are age six by June 30th of the school year. I was born in the latter half the year, so I wasn’t supposed to enter elementary school until I was almost seven. As a result, my classmates were 1 to 2 years older than me. When you are five years old that age difference is huge. I was the puniest child in the class and I had trouble with holding a pencil and copying Chinese characters over and over again. Nevertheless I did pretty well in class, and beat out the older children in math and language tests.

I was a bit weird socially, though. I remember that none of the girls wanted to play with me for some reason and my best friends were boys. Maybe it is because my maturity level was the same as boys since it’s generally accepted that boys are 1 to 2 years less mature than girls. I liked bugs, dirt, and running around. I finished 4th grade in China, and all the friends I remember are boys. I also distinctly remember that one of the popular girls hated me because I did better than her academically.  It’s kind of funny how passive aggressive most girls are.

After 4th grade, I moved to America, and I didn’t know any English.  At first I was put into the fifth grade class.  Since I didn’t understand anything it was pretty tough.  So my mom decided that I should move down to the fourth grade class.  This turned out to be a good choice because they put me in an English as a second language class and I was with children my age.  After a year or so I was able to catch up in English and I was really glad to be with kids the same age as me.  I wasn’t a super popular kid, but it felt like I was on equal ground as everyone else. I have pretty fond memories of secondary school in America because for the most part I was normal, and I had plenty of friends.

When you are a kid, you really don’t want to be a freak, and being younger than everyone else sort of singles you out.  Life is especially tough for a teenager who is quite a bit younger than everyone else and sometimes the results are quite tragic.  For example, during my freshman year of college a boy jumped from the tenth floor of the math building and killed himself.  From his blog I found that he entered college at the age of 16, and was isolated for his whole life because he was younger than everyone else. Loneliness made him jump. It is great to be academically gifted, but I think we are such social creatures that we all want to have friends and be loved.

I think what parents should do is to foster their kids interests, but don’t push them into a social environment they can’t handle. I know a couple real geniuses who never skipped a single grade.  They took advanced classes in the fields they were interested in, but they chose to finish school at a normal age.   I also have a brilliant friend who skipped a grade and is now a PhD candidate at MIT, but her emotional IQ is quite above average and she is fine.  Each person is different, but everyone has  less than 20 years to be a child, and so many more years to worry about annoying things such as finances, jobs, and relationships. Why would anyone want to  rush into adulthood? So here I say to the parents out there, let your kids be kids just a bit longer even if they are gifted.  An extra one to two years of childhood is really priceless and I sincerely thank my mom for letting me flunk 4th grade and be normal.

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Several years ago, many of my classmates and had hard times finding jobs. It seems that this situation may repeat itself again in the next couple years. There have been studies that state graduating in a recession sticks with a person’s career for a long time. Those who start off their careers in a recession generally has lower pay because they started at a lower point. Here are some tips for my younger friends who may suffer the misfortune of getting a diploma in an economic downturn.

get viagra without doctor- In a recession, I have seen people accept jobs at firms who paid very little or jobs completely outside of their field of study just because it is the only jobs they could find. I don’t think it is necessary to devalue yourself just because the general economy is in the ruts. Your time could be used to learn things or start your own ventures. If you are not desperate for money it is probably best to continue searching for a job that you want and a company that would value you for your services.

get viagra without doctor – Recessions are popular times to get more schooling because jobs are scarce. However, a full graduate school program can be extremely costly and you need to It may be cheaper and quicker to get professional certificates. I know there are many different certifications in IT and finance that could enhance a young person’s career without costing an arm and a leg.

get viagra without doctor- A lean economic period is probably the best time to learn to be frugal and use your money wisely. You may have to and move back home with the folks or , but you may be unemployed for a while and learning to survive on a shoestring is essential.

get viagra without doctor – Make sure you keep yourself informed about the general economy. The reason is that if you did accept a lower payrate during the recession you should know when your pay should be adjusted to the market rate. Otherwise, new grads who graduate after you may be paid more than you, and that may seem unfair, but you need to be aware when this happens and ask for a change. Otherwise, companies are happy to pay you less.

get viagra without doctor – There are some people who started their own businesses and never needed to find a job. For example, Ben Chui of was class 2002 or 2003 at my school, and he never needed to find a job amidst the recession because of the success of his website. If you want to start your own company you should go for it while you are young and have nothing to lose. It takes a lot of work to succeed and make a living, but it is definitely possible.

The bottom line is, don’t let what you can’t control discourage you and cut down your future. As long as you are flexible about what you want to do and have a drive to improve your life, you will beat any economic downturn and graduating in a recession would not matter at all.

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Our best man’s wife is giving birth this week. They are expecting a girl named Grace and we all can’t wait to meet her. On the note of childbirth, today I saw an extremely eye opening documentary called This is a film made by Abby Epstein after her friend Ricky Lake (yes, the talk show host) didn’t have a good experience with having her first child in the hospital. It explored the history of childbirth in America and how as a society America has phased out natural births in favor of hospital births with various interventions. It also reveals a startling fact that America has the second highest infant and mother mortality rate out of the world’s developed countries even though 99% of American women give birth in a hospital. In contrast, developed countries such as Japan has a home birth rate as high as 70% and have a lower death rate. Here are some things I learned about the business of childbirth from this film, and it is really amazing. If you don’t want any spoilers or if you feel queasy about this subject you can stop reading right here.

get viagra without doctor – When you see women have babies in hospitals on TV you often see their legs up in stirrups and ten people telling her to push really hard. The film explained that this is the most unnatural position to have a baby because there is no way for the baby to come out when a woman is lying down. A doctor always has to use a clamp, hands, or a vacuum to extract the baby. It is much easier for a woman to have a baby standing up or squatting because gravity helps her do her work and the baby’s head will be lined up with the vaginal opening making the process natural. This made a lot of sense when a childbirth coach showed a fake hip and a baby trying to get out. When the hip is sideways the opening of the hip is angled in such a way that it is pretty much impossible for the baby to fall out. The baby also receives more stress in the horizontal position because it would be pushed up against the hip bone.

get viagra without doctor – This makes sense for the hospital. They want their beds available so they could serve more people and make more money. The result is a great increase in Caesarean section procedures and the administration of drugs that speed up the delivery. They also say that the number of C-sections is higher during 4pm to 10pm because doctors just do not want to stay around. The average vaginal delivery takes 12 hours, but a C-section takes about 20 minutes. So when the doctors and hospitals want women out, they schedule a C-section. The fact is that C-sections are much more risky than vaginal delivery.

get viagra without doctor- A midwife said that her fees are about $4000 for all of her services. Keep in mind that many of these midwives are highly trained and qualified to deliver babies. The main midwife they featured on the film is a certified nurse who graduated from Columbia and had been delivering babies in hospitals for five years before she became a midwife. In contrast, a vaginal birth in a hospital costs on average $13,000 and a C-Section is major surgery that often costs more than $30,000. The documentary also shows that in a hospital they often pump the mother with various drugs that eventually puts the baby in distress and require a C-Section. The caveat is that insurance companies rarely cover home births and midwives because they think it is crock and the hospitals are part of the institution that shun natural delivery.

get viagra without doctor- The film listed the type of drugs they typically use in a hospital and what each of those drugs do. One is the epidural, which takes away pain but also slows down contractions, then there is Pitocin, which is used to speed up contractions and causes pain. So the two drugs work against each other and the hospital would keep on adding drugs until the baby comes or the baby is distressed so they have to do a C-Section. It is pretty scary and there were other drugs used in the past that caused erupted uteruses and babies without arms and legs. The body itself naturally produces hormones that make the birthing process easier and less painful and these artificial drugs really screw it up.

Despite the film having scenes of several extremely explicit home births, it made me less afraid of having a baby because the births seemed less painful and stressful than what is usually shown in TV. In one woman’s birth she just seemed to lay back and sigh and moan a bit and then her baby slipped out into her tub. Then her older child came by and touched the baby and said “eww” like it is extremely natural and cool. There wasn’t any crazy screaming or large amounts of blood covering the sheets and the whole experience seemed beautiful and calm. The film’s message is that women should have a choice to have a natural birth, and it is completely safe as long as it is planned well and the woman doesn’t have any complications. If a woman is enduring a high risk pregnancy, the hospital is still recommended. I don’t know if I would have a natural home birth because it is still pretty scary to me, and I know my health insurance would cover my hospital care. I will try to refuse all those drugs in the hospital, though, but I don’t know what will happen. Anyway, I think a lot of the information presented in this movie made sense, and I will never look at a pregnant woman the same away again. I highly recommend this film, and I think anyone who wants a child in the future should watch it just to see what childbirth is really like.

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I read the news almost every few hours, and here are some of the highlights of the business news that made me spit out my tea this week.

get viagra without doctor – Bank of America is taking over Countrywide Financial, and they will be disbursing “stock valued at $10 million for chief executive Angelo Mozilo and $9 million for President David Sambol”. Gee, lets see what the performance of the company was. The stock price went from over $40 to around $6. The entire time the stock was in free fall Mozilo was dumping his shares. There are over by Countrywide currently listed on their site valued at nearly 3 billion dollars. My only question is, how can I find a job where I can be a royal screwup and still get rewarded $10 million? Then maybe I could .

get viagra without doctor – Apparently Walmart’s health plan states that if an employee gains healthcare money in a legal settlement, they are supposed to pay Walmart back. So a woman who suffered an accident that made her brain damaged and disabled is being sued by Walmart for half a million dollars. All she has is 277k left in her settlement and there is no way she could pay Walmart back. It is pretty sad and the case is inciting a lot of public outrage. Walmart makes billions of dollars a year, and they have a clause in their health plan that says employees have to pay it back if they had the money? That is a ridiculous health plan. The employee in this case paid for her insurance, and isn’t the point of health insurance to cover accidents? I’ve never bought anything from Walmart, and I probably never will.

get viagra without doctorget viagra without doctor – According to the article, “The Fed has worked some positive magic.” That phrase just invoked an image of Bernanke in a pink tutu flying around spreading wads of cash. I wonder when this fairy dust is going to come back and bite us in the rear.

get viagra without doctor – Apparently some supervisor didn’t like the long bathroom breaks his reports were taking. So he distributed urinal bags! Wow, that is really .

get viagra without doctorget viagra without doctor – It is kind of funny that the 10th birthday of this little blue pill made national headlines. I don’t see anyone celebrating the birthday of penicillin or digitalis. Anyway, I don’t have anything against Viagra except for all those annoying spam messages that say “xxVIAXXgra”. Oh crap, now my blog is going to get Viagra ads.

I wonder what next week will bring.  Have a great weekend everyone!

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