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Well, The Baglady was in quite a few carnivals the past two weeks, and here they are in no particular order:

— Kyle mentioned me as an editor’s pick! Thanks Kyle!

Here are a few of my favorite stories from the past couple weeks:

Ben Stein writes about his . I thought it was an extremely funny article.

Blownmortgage shows us the , and why even conforming mortgages could fail. This is a must read, and it was very eye opening to me because I never thought that a “prime” borrower could also be living on the edge.

The Retirement Hobo writes about, and I’m in the story!! yeah!!

Millionaire Mommy spills the . I read the strategy thoroughly and it actually makes a lot of sense and is easy to implement. I took a free trial of the NoLoad FundX newsletter and it turns out I already own some of the funds in the list and they are definitely the better performing funds in my portfolio. I have held these funds for a while though, and I don’t trade very often.

Anyway, I’m coming upon my 100th post of this blog! I am planning a Chinese edition of the blog to improve my Chinese writing skills, and we’ll see how that goes!

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This is something that has confounded and annoyed me for months if not years. Basically, buying a home always has a moniker in the media as “The American Dream”. This is actually one of the main selling point of the realtors and home builders when they try to sell to first time buyers. I really don’t understand why having a giant load of debt is considered desirable and why it should be a “dream”. So I researched the term “American Dream”, and found that it was defined in a history book by James Truslow Adams entitled cialis generic best price (1931). The book states, “If, as I have said, the things already listed were all we had to contribute, America would have made no distinctive and unique gift to mankind. But there has been also the cialis generic best price, that dream of a land in which life should be better and richer and fuller for every man, with opportunity for each according to his ability or achievement.” (p. 404). So why is the phrase “American Dream” now synonymous with being a home-debtor?

Maybe I am just not American enough and don’t understand this madness, but it seems that the “American Dream” has been twisted through the years to mean bigger homes, more expensive cars, and better electronics. It has become a marketing ploy for people to dive into materialism and lost most of its original sense of hope and goodness. I could see how owning a home could be a facet of the “American Dream” when a house represents the culmination of the owner’s hard work, but when that home is financed entirely by debt it contains nothing of the buyer’s efforts. When people buy things on credit and slip further and further into debt they’re not living “The American Dream”. Instead, I think they’re living what I would call an “American Delusion”, and eventually it spirals into the “American Nightmare” if they can no longer handle their debt obligations.

I think the modern American Dream as we know it is a lie. It’s purely a slogan for the credit card companies to spur on spending, or a line for politicians to garnish their speeches. As an immigrant I still hold on to a tiny piece of what the original dream is. I don’t think it’s about consumerism or materialism. It’s about getting a fair chance to achieve success through patience and hard work. It’s about building up a better life in a place where opportunities are abundant and available to anyone. The Dream is an ideal that can’t be bought, but unfortunately it has devolved into instant gratification and debt.

As I write this article a song is playing in my head and it accurately describes how I feel about America and the reality of the American Dream as it is now and I will share a little of it here:
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I'm travelin' down the road,I'm flirtin' with disaster.

I've got the pedal to the floor,

My life is running faster.

I'm out of money, I'm out of hope,

It looks like self destruction.

Well how much more can we take,

With all of this corruption.Been flirtin' with disaster,

Ya'll know what I mean.

And the way we run our lives,

It makes no sense to me.

I don't know about yourself or,

What you want to be - YEAH.

When we gamble with our time,

We choose our destiny.

Chorus:

I'm travelin' down that lonesome road.

Feel like I'm dragging a heavy load.

Yeah! I've tried to turn my head away,

Feels about the same most every day.

I hope you’re not dragging a heavy load and flirtin’ with disaster, but I would like to know what your definition of the American Dream is. Are you living it right now? Are you as disturbed as me that the America we live in today portrays the quintessence of the American Dream as consumerism and materialism?

—————————————————————————————————-

If you absolutely have to borrow , never even go for something like . They don’t take much time in becoming and then you will suffer from too.

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About fourteen years ago the term “Generation Y” was coined to describe people of . Recently my generation has started to enter the work place and I am reading a lot of articles about how hard it is for companies to manage and retain twenty-somethings like me. I would like to address what I have read in the media about my generation and work from my own experience.

cialis generic best price — This is the number one thing hiring managers complain about Gen-Ys in the workplace. Basically they say that Gen-Ys want to be paid well and do not want to work their way up. Here is how I see it. If I have the same title as 50 year olds and I perform the same job, why shouldn’t I be compensated at the same rate? Why should I be paid lower if I can produce just as much quality work as people much older than me? So I don’t see asking for a good compensation package as a sense of entitlement, but as a sense of fairness. Recently a hiring manager told me that I am paid very well for a 24 year old and I am asking for a lot, but my answer to that is I am worth it and age shouldn’t matter in determining a salary. Additionally, it’s illegal to discriminate in hiring based on age. I did get an offer on that particular job but I turned it down. Another key thing companies have to realize is that years of experience do not equate to quality work.

cialis generic best price — Research states that Gen-Ys have a lot less respect for authority than previous generations. I don’t think this is true at all. I have a lot of respect for my highly intelligent and sensible managers, but I am not afraid to tell a person higher up that I think they’re wrong and suggest something different. I think most of my peers are the same. We have respect for those who deserve our respect, but when we encounter stupidity we will question it. The worst thing that can happen is that we get a new job. I think a lot of older managers are not used to this type of questioning from their subordinates and conflicts arise when they’re stubborn and want young people like me to follow directions to the tee. Basically, if a boss wants the best out of me he/she has to be at his or her best as well. Respect has to be earned and not taken for granted and abused. So I would say it’s closer to the truth that we have no fear of authority, but we do respect our supervisors if they are good coworkers.

cialis generic best price– Another big complaint of companies is that Gen-Ys switch jobs much more often than their predecessors. The reason for that is companies aren’t loyal to their employees anymore. I am young, but I am not stupid. I’ve seen how corporations lay off thousands of people in a blink of an eye for their own bottom line. Most hiring agreements are at-will and if companies are all about their own individual profit there is no incentive for me to stick around if there is a better opportunity. With the cutting of pension plans and benefits there is very little incentive for Gen-Ys to become “lifers” at a company.

cialis generic best price — This is a paradigm that isn’t practiced very much by older generations. I think a lot of people of my parents’ generation realize that work shouldn’t be the most important thing in life, but still work so much that they don’t spend time with their families. As children of these workaholics Gen-Ys want flexible working schedules and more time off because they want time to enjoy the fruits of their labor. Of course, this behavior is considered lazy and demanding by a lot of traditional workplaces. I think the growing popularity of telecommuting and flexible work hours is a change for the better and our older coworkers could benefit from it if they choose to.

cialis generic best price — I think most of us want to be treated as equals by older coworkers. I can see why people would be resentful when they’re being managed by those who are half their age when they feel more experienced and skillful. Heck, I have experienced a bit of this resentment when I interviewed older people. When there is a huge disparity in age in the workplace the older workers greatly underestimate the ability of the younger workers. I think everyone needs to just take age out of the equation and objectively examine the quality of work of each person. Otherwise, underestimating the ability of anyone based on their age is discrimination.

With that said, I am constantly learning from those around me regardless of age. I just think there are quite a lot of misconceptions thrown in the media about twenty-somethings. We are not lazy, and we don’t have an easy and coddled life. In fact, we’re facing lower pay, less social benefits, and higher costs so corporate America really can’t blame us for constantly searching for a better life. I think a lot of readers of this blog are young professionals like me and would agree with my observations, but I would like to hear about what you consider as a misconception about our generation. Also to my older readers, what irks you the most about twenty-somethings in your workplace?

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Recently I heard that a jewelry company branded their diamonds Hearts on Fire to charge a premium for the precious stones. The reason they did this is that lately diamond dealers’ profit margins have plummeted due to more educated consumers and online shops like Blue Nile where you can compare the prices on thousands of diamonds with ease. Prior to these branded stones, all diamonds have been “generic” and price was just determined by the characteristics of the gem itself. I personally think that diamonds are a scam, but charging extra for a branded diamond is even more ludicrous. The reason is that if you look at two diamonds of the same quality and size you can’t tell what the brand is at all.

I think that sometimes paying more for a brand name item makes sense. For example, I like name brand walking shoes for their quality. Compared to generic no-brand shoes, a pair of good brand name shoes just last a lot longer. It is the piece of apparel that takes the most beating and my mom found out early on that a more expensive pair of brand name shoes lasted a lot longer than the $7 generic shoes she was buying. The cheap shoes actually cost more in the long run because they broke so fast that she had to replace them. Basically, I think it makes sense to pay a premium for a brand name product if the quality is actually quite a bit higher than generics.

I also buy brand name products if the products are unique and can’t be substituted by generics. For example, many drugs under patent are irreplaceable by generics. So in the case of unique products consumers don’t really have a choice and the company that owns the monopoly on the product can charge any premium they wish. I guess that is why prescription drugs and health care in general tend to be fairly expensive.

Here’s where I think buying brand name products do not make sense. In the supermarket there are many foods that are branded. I have seen store brand butter that is half the price of a package of a frequently advertised branded butter. When the price difference between two virtually identical products is that high I think it makes no sense to buy the branded product. The premium is probably due to the marketing anyway and there is no point in supporting more advertising.

Another thing about branded merchandise I don’t like is that people often use the brand of their things as a status symbol. There is really no point in buying $300 True Religion jeans just for the brand because the same look can be achieved with much cheaper jeans. When people pay a ridiculous amount of money purely for the sake of the brand their behavior becomes brand worship instead of sensible consumerism. In that case, the marketing team of the company has done a fabulous job in brainwashing consumers and building up their brand, but it doesn’t mean that you have to fork over your money to follow a passing trend.

Finally, I hope all of you had a wonderful weekend! If you braved Black Friday I hope you got some deals to make me proud! Did you buy something for the sake of its brand? What attracts you to certain brands?

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Charities receive a large percentage of their donations during the holiday season and today I would like to highlight a few worthy causes.

1. — This is a charity that’s rated fairly high on because they’re very efficient in using their funds. They’re still short on food and they are taking any donations at or at donation bins at Whole Foods, Safeway, Nob Hill, and FedEx Kinkos in San Mateo and Santa Clara.

2. — I just heard on the radio that this year the Bay Area Rescue Missions’s donations dropped 40% and they’re severely short on food and funds to accommodate hundreds of homeless for Thanksgiving. This is a large homeless shelter in Richmond where my high school youth group used to volunteer. They have an if any of you Bay Area folks (especially East Bayers) would like to help those in need in your neighborhood. If you’re within driving distance they’re also taking donated turkeys and any kind of food. They believe that this year there is a sharp drop in donations because a lot of aid went to San Diego wild fire relief.

3. — my friend just told me about this buy one give one event at and he bought one. This allows you to get the specially designed laptop for $399 and another laptop will be sent to a child in need somewhere in the world. $200 of the $399 you give would be a tax-deductible donation. To bloggers out there, I have confirmed that you can blog on these laptops and T-mobile is offering 1 year of wireless HotSpot service for free so you can take these cute little gadgets to Starbucks and blog. Additionally you may be helping a child somewhere learn about the world. This event ends November 26th.

As always, I still donate to because they make having homes possible for families in need. As I write this I am reminded of Acts 1.8 which says “you shall be my witnesses in Jerusalem and in all Judea and Samaria and to the end of the earth.” This is because I have listed the charities in order of their relative distance to me. Since I do believe that my money is from God I hope that the little I give would go from here to the end of the earth. Even if you don’t believe in God I still encourage you to help those closest to you first this holiday season. By helping those in your neighborhood you will improve the part of the world that is most important to you, and it is a win-win situation.

Have a wonderful Thanksgiving everyone!

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