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Today I opened a Roth IRA account at Vanguard for the hubby and fully funded it for 2007. Why so late you ask? Well, the hubby never ever had a Roth IRA account and since we got married last year I wasn’t sure if we were low income enough to contribute to a Roth IRA. The Roth IRA is one area where you can clearly see the marriage penalty. A single filer can contribute the full amount to a Roth IRA when he or she makes less than $99,000, but a married couple can only contribute the full amount if they make less than $156,000. I am not quite sure why it is structured this way because it seems to be saying that married people should get less tax advantaged accounts?

Basically I was afraid that we weren’t eligible to contribute any longer. However, after tallying up our income and donations our adjusted gross income was just a bit under the limit and I signed the hubby up and funded the account from our joint account. Right now I just parked his money in Vanguard Target Retirement 2045, but that could be changed in the future.

Looking back, I guess it is good that I had to wait a bit to open and fund this account because the market went down quite a bit. If we had opened the account back in the end of August when we got married then the money would have diminished quite a bit. Then again, it doesn’t matter that much because we plan to hold the funds for 34 to 35 years.

I really like Roth IRAs because they give us the option of taking out our contributions, and there are no taxes on the earnings in the future. I have had one and funded it faithfully every single year. The hubby just turned 25 recently so he can start withdrawing the money in 34.5 years, and I am sure these years will pass faster than we think.

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Throughout my life people have told me, “you have so much potential!” I still vividly remember my band director in 9th grade saying that to me. I was the best oboe player, but I was also the only oboe player. I really didn’t practice very hard and was quite happy with getting solos that I may not have deserved. I know that I could have been a much better musician if I concentrated on it, but at that time I really liked math better.

I was the president of the math and science clubs in different years of high school, and as a result I participated in quite a few competitions. Once again another teacher told me that I had potential. By then I already knew that I was not the most brilliant kid out there because I met real geniuses that had brains in a completely different league. So I chose the most practical route and applied to Berkeley Engineering. Berkeley EECS was a pretty tough program, and I ended up being just a bit above average and I thought that was enough.

Now that I have graduated, sometimes coworkers and bosses still tell me that I have potential to become more than what I am. It is a statement that really puzzles and bothers me when I think about it. On one hand, these people see something in me. They think I have talent, and that is always a good thing. On the other hand, it makes me feel that I am not utilizing all of my skills and perhaps I am not performing my job at the fullest. So every time someone tells me I have potential I am a bit wary of their true meaning.

One ex-coworker told me that she thought I was really smart and have the potential to become the founder of a successful business, and an ex-boss told me that he thinks I could become an engineering manager really quickly. I suppose I could be those things if I wanted to, but they are all other people’s visions for my future. I think what really matters is the potential I see in myself. I know I can do more in this world if I tried, and I know I can lose twenty pounds. I know I have the potential to be a parent, retire early, and travel the world.

I suppose sometimes it is hard for people to believe that they have the potential to do anything when everything is falling into pieces, and hearing the words “you have so much potential” is encouraging. In other instances, these words can really make you stray into something you do not want to do. So here I say to you as a friend, “You have so much potential. You have the potential to be happy and you have the potential to do the things you love to do.”

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Hello everyone, welcome to my blog for the 142th edition of ! There were over 100 submissions this week and it took me quite a while to read them and I cut the list down to a bit over 80 posts. Even though my blog is called I have never written about the homeless. So for today’s carnival I will highlight some myths and facts about homeless in America, and hopefully raise awareness about this important issue.

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  8. viagra indications presents . Each of the random thoughts in this article is a tiny bite of wisdom that can help you build wealth in your life. Read it for some great insights!

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  • viagra indications Homeless people are mostly dangerous and violent criminals.
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That is all for this wonderful carnival and thank you all for writing so many informative, amusing, and thoughtful articles! I have learned a lot about personal finance and the homeless this week. for next week and my favorite Canadians will host the carnival at: .

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In the , even the for the dilemmas are not responsible as much as the individual who buckles under a offer. It dpes not matter if it was the or any other.

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When I saw that most of the salespeople nearby were young females I became a little disheartened.  I was afraid that I went there for nothing and wasted a whole $0.75 for the bus.  After I walked past eight or nine stores I saw a middle aged man standing in front of a shop.  I figured out that he is Korean from his face shape.  So I went up to him and muttered in broken English, “Do you need a salesman?”

He looked at me as if he were startled, and then shook his head and said, “No, I don’t need a salesman.  I need a salesgirl.”

I didn’t give up, and continued to walk forward.  I asked a few more Korean managers if they wanted help, and all the responses were “NO”.  Finally I was at the middle of the lane, and I saw a 30 something storekeeper who looked Chinese.  I looked at his products, and they were mostly crystal baubles like pineapples, dolphins, volcanoes, and coconut trees.  Besides crystal products, he sells  some perfume and Hawaiian print bags.  Additionally he had some Chinese imports such as exercise balls and other random knick knacks.

When I was in front of his shop, I heard the storekeep speaking to a teenage looking salegirl in the Chinese I am familiar with, “Ah-Mei, today the business is very light!”

The girl named Ah-Mei replied, “It sure is, until now I still haven’t sold anything.  Peter, how about you?”

Peter said, “I only sold a bottle of perfume. The business is so light that I don’t want to continue working.  However Meilan just had a child and only works four and a half shifts a week now.  My wife also returned to Taiwan so I have no choice but to work here.”

When I heard their dialog, I felt that it was my chance.  Because they spoke Chinese I didn’t feel shy.

I walked up to Peter and said, “Sir, do you need help?”

Peter said to me, “Oh, do you have experience in selling things?”  This was my third day in America, and of course I didn’t have any sales experience.

I had a sudden flash of inspiration and pulled out a business card from my university.  I told Peter that in China  I was the assistant department head of the Economics department, and I was also a professor.  I told him that of course I had sales experience, because that is a skill I teach my students.  Actually, this is a half truth because even though I have students that became businessmen, I really haven’t had actual experience outside of the school.  In school everything is theory in books, and I have never actually sold a single thing before.

Peter picked up my business card and read the titles I had printed in both Chinese and English.  Then he looked at me from head to toe and saw that I was clean cut and quite energetic.  He didn’t reject me right away like all the Koreans, and seemed a little bit interested.  At this moment a Caucasian couple walked to the store and started to peruse the goods.  Peter started to talk to the customers right away.  The woman seemed interested in the perfumes, and Peter immediately brought two bottles from his shelf for the customer.  The man didn’t seem to have any interest in buying things, and looked at the various products in the store.

When Peter was working on selling to the woman, I targeted the man.  When I saw that he seemed to be curious about a pair of exercise balls with a dragon design, I walked up and picked up the balls and started to roll them in my hand.  The exercise balls had tiny bells in their centers and when you played with them they would make ringing sounds.  My performance piqued the interest of this man.

“What is this?” He asked.

“These two balls are good for your health.” I told him.

“Really?”  He seemed a bit surprised.

It seems that the man was really interested, but I didn’t know much English.  However, I have been a professor for many years and I was used to giving a performance.  So I rolled the balls in my hands more quickly and more loudly.  When I saw this man was quite mesmerized by my performance I stopped playing with them and asked him, “could you turn around?”

He turned around and I started to roll the balls on his back, and as I rolled them I asked, “very comfortable?”

He nodded his head and said, “Oh, it’s massage, good, fast, faster!”

Finally he was conquered by my performance, and asked, “How much?”

Peter was negotiating with the woman, but he was also paying attention to what I was doing.  When he saw that the man was asking for a price, he said to me in Chinese, “just give it to him for ten dollars, if he haggles, you can give him a little discount.”

Now I remembered the rule about setting prices that I learned at school.  The idea is that you should “wear a three feet tall hat and let them take a cut.”  So I said to that man, “fifteen dollars a pair, and you also get a very nice box.”

That man must have known that in a street market haggling is normal.  So he said to me, “how about eight dollars?”

I replied, “eight dollars is a little bit too low, how about ten dollars?”

That man replied, “Ok, ten dollars.”

At the same time, Peter reached an agreement with the woman, and sold a bottle of perfume for 50 dollars.  That woman told her man to pay, and the man pulled out an one hundred dollar bill and said to Peter, “the total is sixty dollars, just give me back forty.”

Peter was quite happy, and as he got change he said to them, “you guys got a very good deal.  Thanks and come back again!”

When this couple left, Peter said to me, “come back here for a moment, I have something to say to you.”  Peter didn’t want Ah-Mei from the other shop to hear what we were discussing.  At that moment I knew there was hope that I found a job.  He said to me, “how about this, you come to work at 4pm, and I will have Meilan call you.  To begin I will give you the minimum wage, and after a month I will give you an additional 3% sales commission.  The more you sell the more you will get.”

When I heard this I was truly excited.  I told peter, “many thanks for giving this opportunity.  I know a little bit of Japanese also and I can sell thing to Japanese people.  I won’t let you down!”

Thus I started my first job in America.  I was a salesman!

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Recently, several personal finance bloggers I read have taken the plunge and quit their jobs. They include The Silicon Valley Blogger at , Trent at , and my fellow peninsula resident . Today my friend asked me how much income I need from blogging to quit my job, and I told him I’d probably be willing to take a gross pay cut of $30000 per year. He then said, “you are willing to take that big of a paycut?” I then sort of explained that it isn’t as a big of a cut as it seems. Here are my reasons why.

viagra indicationsAn extra $30000 ends up being only $15000 after the various taxes I have to pay. (Federal rate 28%, State rate 9.3%, plus social security, sdi, medicare) So really I’m really only taking a pay cut of $15000 take home.

viagra indications – I really don’t drive very much. My commute is 9 miles each way and I have a pretty gas efficient Honda Accord that needs to be filled up every two to three weeks. Nevertheless, it costs me over $100 a month to get the fill ups. If I stay home and drive less I can save over $2000 a year on gas and maintenance. So that $15000 I am losing now becomes $13000.

viagra indications- Out of convenience we still go out to eat a lot these days. We come home between 7 to 8pm and just don’t have the time or will to cook. Sometimes we cook some simple salads and pasta, but the other times we go out to eat. If I do stay home I will be able to cook more and save a lot of money on food. I will have time to coupon clip and be even cheaper. The savings there could add up to another $2000 to $3000 a year. (We spend around $200 to $400 a month eating out right now)

viagra indications- These days I blog on my lunch hour or when I get home. It takes a lot of time to write anything coherent and informative. If I could concentrate on writing more I could grow my income stream better. Then the paycut would become smaller every day.

Unfortunately, I am nowhere near the income I would get if I took a $30000 paycut and if I quit my job now it would be pretty devastating. Another thing is that I would probably have to pay some money for health insurance if I were to get on my husband’s plan. The good news is that February is the best month year in terms of income and exposure for my blogging. I have already gotten $250 through various sources and I hope March is just as good or even better. Write on bloggers! Maybe one day you can quit your job like these brave souls I mentioned at the beginning of the post!

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