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The church is located just across the street from the University of Hawaii’s business school. Because of its proximity to the University, this church has many programs that aid international students, and thus they have a good relationship with the Internation Student Services. When they received Jennie’s call for help, they sent someone to bring Helen to the church.

Later, Helen told us that the first three nights she was in Hawaii she slept on the ping pong table of the church’s library. In those three nights there were no one present in the church, and it is hard to imagine how she survived those nights in the pitch darkness of the church surrounded by cockroaches and mosquitoes. In order to save money, she only ate one hamburger in those three days.

In America the grants given to students in humanities majors like theatre arts is much less than those given to science majors. Thus Helen did not get much money from her department. When she just arrived she only received a tuition waiver, and had to work for her living expenses. This is a very common occurence. Hawaii’s main economy is tourism and is also one of the highest cost of living areas in the United States. Because of these reasons, Helen desperately needed to save money.

God always opens a path for those who tries to find it. Three days later, the people at the church managed to use their connections and found a place for Helen to stay. They found a single mother named Lory. She is a hapa (half Japanese, half Caucasian) in her mid thirties and she is quite beautiful. She has a four year old boy named Dane, and she wanted to find a student who could babysit her son on Friday nights when she went out on dates. When she saw that Helen was about her age and has experience in raising a child she was very satisfied. She offered Helen a room in her house for $150 per month and asked for free babysitting on Friday nights. With this deal, Helen was able to have an affordable roof over her head.

After she settled down in Lory’s home, Helen really wanted me and Xin to come to America. However, she did not have enough economic capacity to bring us to America so she had to work. She found a job at the Kennedy Theatre at the University of Hawaii making sets and costumes. It is not easy to make costumes. When she just started she was not familiar with sewing and often stabbed herself with the needle. When she was making sets she often had to do heavy labor and lift things to high places. Even though it is hardwork, she silently endured it to realize her goal of reunion. In addition to working at school she also did some part time jobs on the side.

Helen worked hard at earning money in order to bring us to America, but she also had the difficult task of exceling at school. Getting a PhD in America is not a simple feat.  With each lecture there are tons of reading materials and research to go through and papers to write.  Everyday Helen worked 16 to 18 hours to finish work and school. After a few months Helen was able to save a bit of money and went to Jennie at the international student service  to obtain an I-20 form for us to come to America.  Because she did not have enough money she asked for the help of a few classmates.  She borrowed some money and put it into her account and then obtained a certificate from the bank stating that she has enough money.

At that time there was a student from Shanghai named Hu Leping who helped Helen greatly.  This man majored in library sciences and loved to help other students from China.  In UH, he had a great reputation of “Hu Leping, loves to help others”. He found two to three classmates who were willing to help and collected a bit over $8000 for Helen’s account.  With this help Helen’s assets qualified for an I-20.

Helen took her bank’s certificate to the international student service to Jennie for an I-20.  Jennie is a very experienced officer and is very sympathetic and understanding to the situation of international students.  She was very responsible and tried to talk Helen out of bringing us to America because the living expenses are high and it would be very hard for Helen to support us on her wage of $6.50 per hour.  She asked Helen to wait a while before making the decision, but Helen was adamant, and Jennie had no choice but to issue the I-20.  When Helen left the office Jennie told her that even if she had an I-20 there was no guarantee that the Consulate would give us a visa because Helen did not have enough money to support us.

Jennie turned out to be right.   I took Xin and the I-20 Helen sent us  and went to the U.S. Consulate in Shanghai for a visa. An officer looked at our documents and did not say much.  He wrote a date for six months later on my and my daughter’s passports, which meant that the visa is denied and we may reapply in six months.

To be continued…

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Today is the hubby’s 25th birthday and our 5 months “mooniversary”. We will be going to a potluck tonight with some friends from church. It so happens that another guy is celebrating his 25th birthday, too, so we will be having a combined birthday dinner. Potlucks are always an awesome way to eat lots of food by contributing a little and this would be a very frugal birthday celebration. However, the hubby and I will be going to Napa tomorrow for some top notch food at Auberge du Soleil and a cooking demonstration at the Culinary Institute of America. Then we will stay in Napa for one night at a bed and breakfast and eat some more.

This weekend is not cheap, but I am a big fan of paying money for experiences rather than things. I am especially in love with good food and I always want to share the delightful flavors and aromas with my hubby because he is a foodie, too. The problem is I am a fairly bad cook so I have to outsource to better chefs. In my family birthdays are always celebrated with an extremely fulfilling and delicious meal, so I want my hubby to have the same.

In my mind excellent food and travel is worthwhile because it will only get more expensive in the future, and there are so many places to see and so many things to eat! Because I am fairly frugal most of the time I can easily afford the occasional splurge on a vacation or excellent restaurant. Ultimately, money is meant to be spent, but I would never spend money I don’t already have.  Knowing that I am able to afford my fun makes it even more enjoyable.

So there, my secret is out. I am not a total tightwad when it comes to food and fun on special occasions. I do enjoy spending money when I know I will have a great time and that I am able to cover my expenses completely without effort. I hope my hubby enjoys this weekend very much!

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Apparently some of my friends and family were wondering where I was the past couple days. I was not online at all and my phone was out of reach. Well, I was actually at a company sponsored retreat for all of the engineering staff and it was absolutely awesome. We stayed at a camp ground in Pescadero called Costanoa and even though the surroundings were beautiful it was raining the entire time. However, all of our activities were indoors so it didn’t matter. One of my favorite professors from college came to our retreat and gave a week’s worth of lectures from his computer security class and I actually learned a lot. After dinner there were a myriad of fun activities including Scrabble, Belgian beer tasting, a poker tournament, and lots of arm wrestling. (I won the Scrabble and bested a Stanford grad and an MIT grad! Berkeley FTW in Scrabble!) The next day we had a security contest where we were all given an open source project to hack. My team didn’t win but it was still a lot of fun. Amidst all the fun our CTO gave a speech on the economy of all things, and I thought it is interesting enough to share.

Our CTO is a very smart guy that has been around the Valley for many many years (possibly longer than I’ve been alive). He said that he has been through many economic downturns and booms in this crazy place. As he tells it, when he attended college here the semiconductor industry was booming and highway 101 had traffic from 8am to 11pm. Then all those jobs were outsourced and the Valley was quiet once again. Then came the famous dot com bubble and bust. He recounted a conference he attended back in 2002 right after the burst. He and several other people were scheduled to speak to a room full of newly unemployed engineers. The first speaker was a recruiter, and he told the room full of people that there are absolutely no jobs, and advised people not to talk to him to look for positions because there is none. The second speaker was someone who was sort of an expert on real estate and basically told everyone that they will see a housing downturn and lose their homes. The third person was some sort of reporter and also said something depressing. Our CTO was last and he thought to himself, whatever I do I have to say something positive to this crowd of people. So he went up there and asked everyone, “How many of you are unemployed engineers?” Practically everyone raises their hands. Then he asks, “How many of you were doing mundane work like getting data from database and displaying it on a website and got paid obscene amounts of money for it?” A large percentage of the room raised hands. Then he says, “you know what, this is how you can fix our problem. I am sure there is someone smart enough in here to start something truly interesting, and all it takes is one of you to start a company that is amazing and not mundane and the rest of us can work for you.” Supposedly, that is the year our company grew from an idea to a band of the best engineers and researchers. Then he went on about topics such as the mortgage crisis and globalization, and here are my take aways from his talk:

viagra no prescription overnight – I came back from the retreat and the stock market was going crazy because of the Fed’s extremely large interest rate cut and various economic problems. The CTO did say that this is going on because of a lot of fear. There is a lot people who are afraid of what is happening to the banks and what is happening to businesses, but in the end things will get better because of innovation and increased productivity. Most of the fear people have is because of uncertainty. There is no clear indicator that everything is alright so there is panic. The right thing to do is to be innovative and try to profit.

viagra no prescription overnightThe CTO said that the best time to staff up a company and rent office space is in times of economic downturns. If a company has money, then they are getting a bargain because people are more willing to accept lower wages and commercial real estate rents drop drastically. So if you have cash during a downturn, then you are able to snatch up many bargains. As I wrote in a , I will be on the lookout for sales in stocks or real estate. viagra no prescription overnight

viagra no prescription overnightHe said that the world has been changed so much by technology that globalization is no longer an option. Every company and country needs to establish footholds globally to become big. Even though people are always complaining about immigrants in America and jobs being outsourced to India, these things are necessary and probably good for everyone in the long run.

viagra no prescription overnightviagra no prescription overnightThe CTO asked if we were afraid that we would be outsourced, and only one person raised his hand. He thought that was a good sign because we are a great group of engineers. He further said that if you keep yourself at the top of the pack then you can demand to be paid well and you will not be outsourced. I think that is good advice because there is no need to sell yourself short and if you keep on improving yourself, you should be able to charge a higher price. viagra no prescription overnight

viagra no prescription overnightThis is  something the executive officers say at almost every speech they do. They always say that they hired people smarter than them to create a great company. I think it is great advice because I learn a lot from those who are smarter than me, and in turn I become smarter. There is also a chance that one of them will start a company one day that is the next Google or the next Microsoft and I can go along for the ride.

Anyway, I thought the CTO’s speech was very motivational and candid. I am sure he can make a living by hosting success seminars, but instead he does funny things like making movies and cheering us on. So once again, do not be afraid and do the best you can this year.

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Welcome to the 123rd ! If you are a new visitor to feel free to look around! Since this is the 123rd edition of this wonderful carnival started by the , I decided to group the thirteen excellent articles this week into the one, two, threes of debt reduction!

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Both of the following two articles offer no nonsense tips on how to reduce your debt. Go ahead and read them!

posted at .

posted at – “This is the latest in a series explaining Funny’s Ten Money Principles.”

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Avoiding new debt and charges is the first step towards reducing your debt. Here are quite a few articles focusing on avoiding credit card charges and other various scams.

Lynnae presents posted at – “I received a letter from my bank, along with some convenience checks. My bank told me it pays to use the checks. Pays whom? is my question.”

posted at .

posted at – “How many credit cards do you own, and when is enough enough? Discounts, lower fees, better rates, travel perks. Sounds tempting, doesn’t it? The number of credit cards you have may be hurting your credit score. Here’s how to fix that.”

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posted at – ” In current times of falling home prices in the US and the $1.8 trillion sub-prime mortgage debt that financial banks have to deal with, “Rent to Buy” signs are popping up everywhere to lure consumers into purchasing homes at “cheap mortgage rates.” Rent to Buy is a marketing gimmick used by landlords to lease out their homes and receive rental income, only because they cannot sell their homes in the existing mortgage market. If you are renting, there is little benefit for you to fall for these schemes. The reason is because most Rent to Buy schemes do not result in a purchase. People with bad credit, no down payments and lots of credit card debt also qualify for rent to buy schemes. That’s why you should avoid them.”

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Once you are committed to reducing your debt you would need a plan and discipline to execute your plan. These articles offer stories and advice on how to budget for your goal.

posted at .

posted at .

posted at – “Being in debt and having a large expense looming is difficult to navigate. Planning is key!”

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Once you are on your way to eliminate debt you should shift your mindset from spending mode to savings mode so that you never ever get into debt again!

posted at .

posted at .

posted at .

Thank you all for reading this edition of the Carnival of Debt Reduction and make sure to submit your articles for the ! If you enjoy reading The Baglady feel free to subscribe to !


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A if not paid back soon enough, becomes a . This is the worst form of an . Even are better than this situation.

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Fifteen years ago, I took the plane tickets my wife Helen sent me and took my daughter to Hongqiao International Airport in Shanghai. My daughter Xin just turned nine. Perhaps it was because she was going to see her mother for the first time in over a year, she was extremely excited and did not sleep very well the night before. Then she fell asleep in the car on the way to Shanghai. My brother in law Ji Chang and a colleague Wen Hua sent us to the airport. At the airport, Xin woke up and was full of energy once again. She started to play the Gameboy I just bought for her.

As I looked at the Japan Airlines Boeing 737 outside of the terminal’s window, I was overwhelmed by hundreds of emotions. Yes, this is the land that nurtured me for over thirty years, this is where my friends and family live, and this is the place where I worked passionately in my career in education. All of these things were hard for me to let go.

Before I left, my coworkers in my department gave me a farewell party. That night, after everyone said goodbye, I loudly recited a poem by Su Dongpo titled August 15:

How often is the moon bright, I lift my wine to the azure sky and ask.
I wonder what year it is tonight in the celestial palaces?
I am willing to leave with the wind, but I am afraid of the chill
high above those beautiful jade buildings.
The moon dances and casts clear shadows, as if it is amongst mortals
It surrounds crimson towers, and creeps beneath the carved windows,
and shines upon those who cannot sleep.
It should not know hate, but why is it always round when we are parting?
Men have sadness, joy, parting, and reunion
Just as the moon may be dark, bright, round, and incomplete.
This has always been hard to understand fully since ancient times.
I can only hope that we can live long and admire the moon together
even if we are thousands of miles apart.

Su Dongpo is an extraordinary poet, and I have always loved his words. I especially like the passion he expressed in his other poem titled “Lian Ru Jiao – Che Bi Huai Gu”. However, at the time I was about to leave my parents, friends, and colleagues so I felt that Master Su’s poem “August 15th” truly conveyed my feelings. It is truly hard to leave my homeland, and it is hard to understand the sadness in parting, and the joy in reunion at the same time. Even though China’s Mid-Autumn festival uses the lunar calender’s August 15 and it is different from the Gregorian calendar, I know my wife Helen ordered plane tickets for August 15th because of the meaning of reunion attached to this date. Reunion is something every family wants, and Helen is the person who sacrificed enormously for our family’s reunion.

One year prior in 1991, Helen was accepted by the Theatre department at the University of Hawai’i at Manoa as a PhD student. When she walked out of Honolulu International Airport, her American penpal Betty asked a friend named Alice to give her a ride from the airport. When Alice asked Helen where she needed to go, Helen had no idea. Before she left China she left most of our savings for our child, and brought only $200 to America. With this pittance she could not even rent a room for two weeks in Hawaii.

Alice took Helen to the International Student Services building at University of Hawaii. In America, most state universities have international student services and their mission is to help international students. They usually have activities and clubs for international students and also help with registration and various Visa processing issues. They also deal with employment and the immigration of relatives. For example, if an international student wants to work off campus they would need the permission of the school. If an international student wants to return to their home country for vacation, they would also need the service to give approval on their I-20 form. At that time the director of the services at the university was an American born Chinese woman named Jennie. She was a very enthusiastic and hardworking director who was very well liked by the students. Perhaps it was because she is Chinese herself, she was especially fond of helping Chinese students. She was extremely surprised when she saw that Helen came into the office with two large suitcases. Even though the international students service helps these students, they are not responsible for finding people a place to live or deal with other personal issues. She asked Helen why did she come to the office and Helen said she has no idea where she is supposed to go, and is just trying to find a place to stay. Jennie asked Helen how much money she had and Helen answered $200. Jennie knew that there was no way Helen could rent anything, so she called a nearby church and asked for help. (To be continued)

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