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In the past week the Baglady trekked to four carnivals and a very frugal festival and they are presented here in chronological order:

— My article about is included here. I also thought that about protecting cash flow by Roshawn Watson is very useful for young people. We often feel that we are young and invincible, but the truth is that anything could happen and we need to protect ourselves.

at Crazy Meezer — My article on the is in this issue. My absolute favorite article from this bunch is by Greta Christina. It’s quite a funny article about independent thinking. You have to read it to discover what her title means.

— I wrote a couple weeks back and it’s in this carnival. I thought this article on the by Moneywalks is interesting. I may just try it out.

— My article on the is at this carnival. I thought all the host’s picks were very good, and additionally I really liked this article about because the hubby and I really love to eat. I think we can save a lot of money on food but the hubby says that I can’t limit his games AND limit his food because that would be way too extreme. We have been trying to cook more though.

— I wrote about in this edition of the festival. It’s really the only big entertainment expense the hubby and I have. It does take a lot of time to get your money’s worth from games, though. My top pick from this festival is , which is also an editor’s pick.

Stay tuned for more exciting musings of !

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So a couple weeks ago I wrote about my and the article became quite popular. What I found quite entertaining is how people found that article through Google. Here’s a list of the various searches:

  1. my boyfriend is tight with money
  2. my boyfriend is cheap
  3. my boyfriend doesn’t like to pay
  4. stingy boyfriend
  5. my boyfriend never pays for my movie tickets
  6. why doesn’t my wealthy boyfriend buy me anything (this is my favorite)

It seems that a lot of these women are searching for answers to why their boyfriends are so cheap. In a funny way it reminded me of my grandmother who still complains that my granddad is so cheap that he bought only sweet yams for their dates. She says she really expected her future husband to buy her some good meat to eat. Well, now they’ve been married for 54 years and the world has changed quite a bit, but it seems that men are still expected to woo a woman by pulling out their wallets. Why is this still the social norm now that a lot of women have their own incomes and careers? What do women really expect men to spend in a courtship?

I think most boys in this country are taught at a young age that they will need to spend money on women. For example, my hubby went to an all boys Catholic high school and he said that’s where he learned women are expensive. He had a class called Christian Lifestyles and his teacher brought in a vacuum sealed wedding dress belonging to the missus. Then the teacher threw the dress on the floor and stepped on it and said something along the lines of “I spent so much money on this useless piece of clothing! Women are expensive!”. In addition to education at school, the media also does a good job in popularizing the notion that a man only has to be wealthy to attract women. I completely understand why other women want men with money from the biological perspective of child rearing. Generally raising children takes a lot of resources and a wealthy man is more attractive because his money is a security blanket for starting a family. However, a lot of women don’t want children, but they still expect their men to take care of them and in this case I think when men spend money it shows a willingness to provide.

Personally, I do not want my hubby to spend a lot of money on me, because I don’t see money as an expression of love. The other day I asked my hubby if he were glad that I am not an expensive wife, and he said, ” you ARE expensive!” Then I asked him why he thinks so and he replied, “you’re expensive because you suck my time and sanity, and those things can’t be recovered. Money can be replaced!” I think he was just joking. The hubby has found out a long time ago that I prefer his time much more than gifts that can be bought. He has given me some very cool and romantic gifts that he spent a lot of time and effort on. For example, he wrote my name in gold molecules with an electron microscope and sent me the finished product which was about 10 nanometers wide. I thought it was an awesomely geeky gift. He said that he heard of a book called and figured out that I like love to be expressed as quality time. He is a very smart man, and that’s why I married him.

Can the issue of money really be removed from human courtship? I am not sure. But I propose a challenge to all the Google users with cheap boyfriends: ask yourselves what your “love language” is. Do you really want your boyfriend/husband to spend more money on you? Or do you just want them to spend more time with you and shower you with love and affection?

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The is officially over. The hubby and I have settled into our new married life together and our financial union is still a little confusing to say the least. We have a joint checking account now and we are paying our bills through that account, but it really feels like our expenses have gone up because I never used to see how much the hubby spent. It makes me wonder if marriage would make our costs go up or go down. I asked a few married coworkers this question and all of them said that after they got married they are spending a lot more than before. However, all of these coworkers are men and one of them has a wife that’s still going to school so he has to support her. So I decided to make a comparison of our current expenditures with our former expenditures here and see what would happen.

Here are the areas where we’re saving money:

over counter substitutes viagra — The hubby used to pay for all of the utilities at his apartment even though he had a roommate. I shared the utility bills with my roommates but it still came out to be $50 to $70 a month. Currently, our cable tv, water, and garbage are included in the rent so that’s also a big plus. Before we got married the hubby was paying for water and garbage also. I estimate that the utitlies savings would add up to approximately $1500 to $2000 a year just because we now live together.

over counter substitutes viagra — We haven’t been eating out as often, but cooking isn’t as cheap as I thought. The only spare time we have to cook is on the weekends so the hubby tries to make a lot of food that lasts for a few days. Our food bills aren’t significantly lowered because we also hosted a couple dinners during the weekends. Hopefully we will save more in the future by eating out less. I estimate that we should be able to save $1000 to $2000 a year on food.

over counter substitutes viagra– We’re no longer driving back and forth between our apartments. The hubby is also now ten miles closer to work so he’s saving much more on gas everyday. I am about four miles farther from work but it works out that our total mileage driven is still reduced. Our gas bill for the past month has been very small and I hope it stays that way. Our estimated savings for gas is about $400 to $600 a year.

over counter substitutes viagra — I wrote about when the insurance company raised the hubby’s rates. Now that we’re married the new insurance company gave the hubby a discounted six months rate that is about $360 lower! I’m pretty happy about that and our next insurance rate reduction will be the 25 year old discount. That’s coming up soon for the hubby and we should be able to shave some more dollars off.

So far, it sounds like marriage is great and we’re saving thousands of dollars, but here are the areas where we’re spending more:
over counter substitutes viagra — The marriage penalty is going to hit us this year and I’m not quite sure how much more we would be paying. If we weren’t married we would both be in the 25% marginal tax bracket since we both contribute a fairly good amount of our salaries to our 401ks. However marriage pushes us to the next bracket. The extra taxes we pay will probably wipe out all the savings we receive from living together. I’m not quite sure what the point of the marriage penalty is besides keeping families living on one income. From my point of view it seems to be such an anti-marriage and anti-women tax policy. However, one thing that could mitigate our taxes is our charitable contributions. It is possible that we may still remain in the 25% tax bracket, but it’s pretty unlikely.

over counter substitutes viagra — Originally we both had roommates that shared the rent. Now we are roommates with each other so our rent seems like such a large number. In actuality it’s only $160 more a month than our combined rents previously. This basically negates the utilities savings.

We don’t have kids yet, but many people have already told me that children will increase our expenditures by quite a bit. So, my current analysis of our expenses is still sort of inconclusive because we are saving quite a bit, and yet it seems like we’re spending more. So to my single readers, do you think that you’ll save more money after you get married? And to my married readers, do you spend more or less now that you’re married? Where are the savings from and where is the extra money going? I haven’t really asked a woman this question yet because most of my coworkers and friends are men and pretty much all of them think that women are expensive. So, feel free to give me your input!

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about an unlucky Guatemalan made me so mad and sad that I had to write about it.

For 11 years, Pedro Zapeta, an illegal immigrant from Guatemala, lived his version of the American dream in Stuart, Florida: washing dishes and living frugally to bring money back to his home country. Two years ago, Zapeta was ready to return to Guatemala, so he carried a duffel bag filled with $59,000 — all the cash he had scrimped and saved over the years — to the Fort Lauderdale-Hollywood International Airport.

But when Zapeta tried to go through airport security, an officer spotted the money in the bag and called officials.

“They asked me how much money I had,” Zapeta recalled, speaking to CNN in Spanish.

He told the customs officials $59,000. At that point, U.S. customs seized his money, setting off a two-year struggle for Zapeta to get it back.

I am not a supporter of illegal immigration, but I think this hard working man was robbed in broad daylight. Currently he faces deportation and a Floridian judge has concluded his case and decided that the United States government is entitled to $49,000 of this man’s sweat equity. I personally didn’t know there was a law that says I can’t carry more than $10,000 of my own money out of the country without telling the government. If I did carry more than that amount, would the government also confiscate my money? Another thing I don’t understand is why didn’t they just inform him that he had to sign a form? He has not gone out of the airport and he should be able to obtain a form and fill it out. At first they detained him as a drug runner and held him on drug charges until he produced pay stubs proving he earned all the money through work. This means that even if Pedro declared his money the government probably would still have held him on bogus drug charges. How can any immigrant transport his/her own savings back to his country especially if it’s a country without a very secure banking system?

It makes me sad that Pedro is treated this way, and the fact is many immigrants in this country, whether legal or illegal, face many financial injustices. Here are a few of them that I am quite familiar with:

over counter substitutes viagra– In the CNN article it stated that Pedro never paid income taxes, but actually I think taxes were deducted from his pay because the Floridian Judge found that Pedro paid more taxes than he should. In the judge states:

The Court rejects the United States’ argument regarding tax evasion or other law violations allegedly committed by Claimant. As noted above, Claimant has not been charged with any crimes, and the evidence indicates that some taxes were in fact paid, when perhaps they did not need to be paid.

Pedro’s income was very low and Florida does not have state income taxes, so he probably did not have to pay any federal income taxes if he did file. Like Pedro, a lot of immigrants pay more taxes to the United States coffers than they should. For example, if any immigrant is paying for social security and medicare taxes and intend to go back to their home countries then they will forfeit 100% of their money. A lot of immigrants are also not extremely knowledgeable about taxes and do not file their taxes either out of fear or ignorance. In fact, if they did file their taxes some of the lower income immigrants will get a return. I also think it’s an injustice that the Internal Revenue Service can classify you as an US person for tax purposes while the Immigration and Naturalizaion Service has not yet given you permanent residency or citizenship. Myself and others I know have been in this situation where we paid all the same taxes that a citizen pays without knowing whether or not we can actually stay in this country. I don’t think it’s fair that immigrants facing uncertainty about their ability to stay are paying for the social security benefits of the current American retirees.

over counter substitutes viagra — Outsourcing and H1B visas are hotly debated topics in the United States. The immigrants and foreigners are almost always painted as the villains that steal jobs from hard working Americans. The fact is that corporations are always looking out for their own bottom line and wants to hire immigrants because they are more likely to accept a below average wage. No one denies that most of California’s agricultural workers are illegal immigrants and most of these immigrants are paid below minimum wage. Additionally, a lot of construction positions are filled by day workers who are illegal. In the Silicon Valley, an H1B visa is usually a way to keep a high tech worker working for a company for below average pay. It is pretty much legalized indentured servitude because the deal is that the foreign worker works for a company for six to seven years and hopefully earn the right to stay in the United States. When the internet bubble burst in the beginning of this decade many immigrant workers were laid off from their companies and had to go back to their own countries. California is an at-will state and that means a company can fire a worker at any time so an H1B worker isn’t always guaranteed their American dream. It is true that the law states when a company helps a worker obtain a green card they must pay the worker a certain wage, but there is a prevalent abuse of this law since the H1B worker can be fired at anytime and isn’t likely to complain about their wage. I have heard cases of companies that do not consider American workers because they know they can keep an H1B worker longer and pay them less. It is completely illegal, but it’s quite a common practice. In Pedro’s case, we do not see that his employers suffered any legal consequences for hiring an illegal immigrant. That seems like quite a double standard on the part of the United States government.

over counter substitutes viagra — The banking and credit system in this country isn’t very friendly to immigrants who do not understand much English. From my experience, a lot of immigrants also have an inherent distrust of the banking system and end up keeping a lot of cash in their homes. Pedro actually kept all of his money in a sack around his home according toUsually you can’t open a bank account, investment account, or obtain loans without a valid social security number so illegal immigrants tend to keep simply cash. It’s very dangerous to do this but they have little other choice. The credit system is another odd beast. It seems that in the recent years it has been so lax that many immigrants were victimized by shady loan peddlers.

Immigration is an important source of people and income for this country and I do not understand why it is so hard for the United States to accept all the hard working honest immigrants. My personal experience with immigration is so bizarre and dramatic that it deserves another few blog posts. If you speak to me in person you’d think that I was just another young American born Chinese woman, but the truth is that for a long time I was so jealous of all my friends who were born here. I got my green card just two year ago after growing up in America for the last fifteen years. In many ways, I am more American than I am Chinese, but when I read stories like Pedro’s it just makes me sick how immigrants are treated in this country.

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It’s 2 am, and my hubby is playing . He actually made me order three copies to make sure that he got one. One copy is for him and the other two copies are for his friends. Yup, I definitely contributed to raked in for the first day. Video games are entertainment items that we always purchase because the hubby feels like he has to support his industry, and he also enjoys having a collection of games that he can play at anytime. The video game industry have come a long way and is now quite mainstream. Some may say that it’s unfair that the media is comparing Halo 3′s revenues with the revenues of a book or movie because inherently games are more expensive than books and movies. However, I feel that most good games have more entertainment value per dollar than other forms of media, and I will list a few reasons here:

over counter substitutes viagra– Most new video games cost from $30 to $60 and take a fairly long time to play through once. I have had games that I played for 100+ hours and so the cost breakdown is only 30 to 60 cents per hour. On the other hand a movie DVD costs anywhere from $5 to $20 to buy and only takes a couple hours to watch. Movie tickets are even worse because you can only see the movie once for $6 to $12. We could also compare games to musical media. Each compilation CD is about 60 to 70 minutes and sells for $5 to $20, and that works out to be much more than 60 cents per hour. Unless you’re a media pirate and get all your movies and music for free, then games are cheaper for the amount of entertainment you could receive.

over counter substitutes viagra — Okay, not all games have a good replay value, but many games do. I find that I tend to replay games more than I re-watch movies or re-read books. Some games are designed so that they can be played over and over again. For example, on the is designed so that you play it everyday. Some games such as or the Sims are designed so that they don’t really end so that you can spend many many hours discovering new things in them. Music does have a lot of replay value and you can easily listen to a song hundreds of times, but music does not change and you will still be listening to the same song after 30 hours. However, you can play a game in different ways and make different choices when you go through it again. Additionally, in some games your skills improve as you play it more so it becomes even more fun.

over counter substitutes viagra — Movies and books are not very social forms of entertainment. Generally you watch a movie or read a book and do not talk to your friends until after it is finished. The social element of going out to movies is more in the gathering involving food and drinks either before or after the movie. The dine and wine part costs even more money than just the movie ticket. With the networking of all the new gaming platforms games have become much more social than before. With an internet connection, friends could adventure together in games like , or battle against each other in Team Fortress 2. When people bring together their consoles or computers to play they also have a bonding experience that tends to be stronger than just sitting around watching a movie.

over counter substitutes viagra — Compared to other forms of media, games are the most interactive form of entertainment. You could yell all you want at a person in a movie to do something but they probably won’t obey you at all. In a game you can direct a character to climb walls, plant trees, or dance around. The possibilities are endless. It’s quite easy to fall asleep during passive entertainment such as movies because they do not require any input, but unless a game is extremely bad or you’re overly exhausted then it’s quite difficult to pass out during a game.

over counter substitutes viagra– Games are certainly expensive, but one good game can occupy all of a person’s time. Before the hubby and I started dating he was playing . Since he only played that game, he didn’t buy any other games and any other form of entertainment. He paid the subscription fee which was under $20 a month. Then he quit cold turkey because he said he wanted to play other games, and the monthly entertainment expenditures went up quite a bit. There are many games that people play full time, and some of these people make their livings playing and selling virtual items. is a prime example of a game that promotes real money trade. The game has a real exchange rate between the US dollar and the virtual currency called the Linden and players of Second Life have created a multitude of virtual shops and products within the game. The issue of real money trade in games is fairly controversial because many gamers think that it ruins the gaming experience. Many games are now filled with “gold farmers” that only play for money. The point is that people do make money from just playing. It’s probably not healthy to be addicted to one game, but it really cuts down on the entertainment spending.

In my opinion, video games definitely gives you more entertainment bang for the buck. I admit that I am a little biased because my hubby is a gamer and a game developer, but I buy games because I think they’re worth my money. The hubby and many others like him put a lot of effort into crafting hours of fun for the masses. Game developers are often underpaid and I agree with the hubby that we should support them by buying games.

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