Monday, December 21, 2009
Holiday Gifts and the Spirit of Giving
Except that logic seems just a bit cold. Isn't it that the thought should count? And even if the gift reflects the giver, more than the recipient, I tend to think that has endearing value as well. For example, to go back to my favorite short story -- The Gift of the Magi -- the gifts turn out to be of no use to the recipients. Because both donors thought so well of the other, that the gifts become useless. And the gifts are wasted on the recipients. But the selfless thoughts of both donors are what make this story so endearing... and make them the wisest of all givers.
So in defense of giving gifts, not cash or gift card, I have once again gone against my parents' wish and bought my entire family something. Who knows? This year, my family could be surprised and love my gifts. If not, I don't mind being part of $85 billion waste in giving gifts.
Sunday, December 13, 2009
News Sources
Korean news media from Koreatimes.com reports the same crime -- that the Korean American woman in Venice was murdered and raped, she was 3 months pregnant with twins, the landlord called the police, and that the police caught the 22 year old suspect. But the Korean news media also reports something else -- that the police arrived at the scene within 2 minutes of the call and did not enter the victim's residence to stop the rape and murder. It reports that for 7 minutes the police waited. During that time, the victim was eventually murdered. And yes, the police caught the suspect after the murder. (Yes, it's in Korean, and I suppose you can try to translate on your own if you don't believe my summary).
If the Korean news version is true (and Korean news source allegedly quotes the landlord who told the police to go in and stop the crime), that's a pretty crucial bit of information that seems to be missing from the mainstream American news source. I wondered why that is.
I like to give people some benefit instead of assuming things that may not be true. So I asked the reporters of LA Times of the news article if they were aware of the information missing in their article (but is carried in Koreatimes.com article), if they verified it wasn't true, and forwarded Koreatimes.com article for their reference.
It seems sad that someone could have gone in to at least try to stop the murder but did not. And also sad about what our expectation and reality of help we can receive from others when we are most in trouble. But if true, ultimately saddest if the mainstream media ignored this bit of information for whatever reason.
Different news source with different tales of the same event reminds me that it is still worthwhile to read news from many different outlet because of pieces of information that may be missing intentionally or accidentally.
Monday, November 30, 2009
Cool YouTube Videos
And then a friend of mine forwarded this... it's just WAY too cute and amazing. How does a kitty know to act like a surprised baby??
These 2 videos made my day. =)
Sunday, November 22, 2009
Year End Giving
For the last couple of years, though, I seem to slowly expand my list of charitable organizations to donate (my list doesn't necessarily stay constant from year to year depending on what I want to do). The list grows because with the downturn in economy, charitable organizations are also suffering from decreased donation like this article says. And this year, about 50 million Americans, including almost 17 million kids, were struggling to have enough to eat according to the USDA study as reported by Washington Post.
So, it's not as if I am infinitely wealthy. In fact, even the extreme rich folks focus where they want their charitable contributions to go. But I am lucky enough to be working, and unlike some folks who are worried about job security, I am in a relatively secure position. Thus, I feel that when others are decreasing their donation, I can and should increase mine.
Based on the economic climate, my priorities for picking charity are: (1) ease hunger for the community; (2) allow medical access; (3) education and schools; and (4) art/music non-profit organization. This year, I'm throwing out environment as one of my priorities to make room for other priorities. I add #3 because I strongly believe we should always make education our top priority. Unfortunately, whenever there's a downturn, education seems to be the first area government cuts. So, I include in my priorities to donate to offset in my small way the cuts education endures. I add #4 because art and music have a place in our lives. Music touches lives and is part of what defines our humanity. As a musician, I simply feel it must be part of our lives. So I include it in my list of priorities.
With these priorities I set for myself this year, I need to pick which charities fit my priorities to donate. I generally check American Institute of Philanthropy to see which charities are efficient in using donations for their mission. I also check various charities I have bookmarked throughout the year to review and see if any of them fit what I set out to donate. I also look at my list from last year. I have about 8 organizations that I can list after reviewing all of these. Do I keep donate a little bit to each or pick 4 and donate more to each? That's a decision to make after Thanksgiving.
Monday, November 16, 2009
Trading Moto Q for Palm Treo Pro
So about three years ago, when I decided I needed a phone with data plan so I can actually check my personal email from work, I was debating whether to get a Palm Treo or Motorola Q from Sprint. Frugality got the best of me, and I ended up getting a Moto Q. It was functional -- I could check my personal emails. But I thought, what if I got a Palm?
With Palm Pre out, I have been wondering how to get my hands on it. It would be perfect -- get rid of my old Palm Tungsten, have a great phone, and not follow the herd in buying an iPhone. Because my Sprint plan expired earlier this year, I went to see if I could get it without losing my plan. No dice. I have SERO plan... $30 per month, 500 minutes, unlimited data and text messages. Sprint doesn't allow these plans for Palm Pre.. and it wouldn't even let me pay full price for it. So, after looking around and talking to the sales rep, I decided to get Palm Treo Pro.
It's rather funny because it's the only Palm phone that does NOT use Palm's operating system. So, that also means, I cannot get rid of my old Palm Tungsten. But so far, I really like Treo Pro. I was able to download Opera Mobile and Skyfire. I like Opera Mobile for getting quickly to my email sites... but Skyfire for getting to just regular sites such as Lala.com... and listen to my mp3's! How cool is that? It also has Mobile Office so that I can edit Microsoft documents if I wanted to, storage card space that would allow me to expand up to 32 gb, camera (which I'm still trying to figure out), ability to move between different open applications, and more stylish phone.
In all, I'm glad I traded up from Moto Q (the battery was dying on me so it had to go). And maybe by the time the 2 year contract expires, I can trade up for Palm Pre.
Sunday, November 01, 2009
Chef in My Kitchen
A couple of weeks ago, a chef graced his cooking skills at my kitchen for a delicious (and incredibly filling) dinner. Mike, a friend of my friend Benny, graduated from a cooking school and just started working at a hotel in Coronado. I challenged him to cook dim sum, and he whipped up ridiculously tasty dim sum I definitely couldn't get anywhere else. Below are some pictures.
Potstickers made from scratch, including the sauce.
Chicken satay, with a hint of Jamaican influence in the sauce for a great kick to my taste buds!
Coconut shrimp.
Midnight rice -- spicy Thai fried rice with beef and red chilies.
Mike the Chef!
Sunday, October 25, 2009
Buying a House/Condo in SD? Don't Think So.
Sunday, October 18, 2009
San Diego Asian Film Festival
As a movie lover, I like to attend festivals especially if there is one held locally. When I lived in the San Francisco bay area, I attended SF International Film Festival without fail. San Diego scene is a bit smaller... but I'm always amused that there are more festivals than I know what to do with here. Last month, I saw a few movies at the San Diego Film Festival, held at the downtown Pacific Theatre in San Diego. Unfortunately, I felt the movies I saw were lesser quality than the movies I've seen in the last few years.
Right now, San Diego Asian Film Festival is going on in San Diego from 10/15-10/29. In festivals, you never know what you might like. It's a hit or miss, and generally there's something you don't like seeing. So far, though, I am delighted and really impressed by the quality of the movies I've seen. I saw White on Rice, which was a hilarious movie about an unemployed, divorced Japanese man living with his sister's family in America. One of the few films that actually made me laugh out loud this year. I also saw The Things We Carry; it was an emotionally charged movie about sisters who had to deal with a mother who was addicted to drugs. For a 77 minute film, it felt longer because of intense drama. Hopefully, these movies will somehow make it out of the festivals and end up being shown more widely...because they definitely are better (funnier and more dramatic) than some bigger Hollywood movies I've seen.
Tuesday, October 13, 2009
Finding Ways to Surf Faster
My attention has been devoted to my laptop recently to try to maximize power, disk space, and see if my use has been efficient. I have plenty of things to do (uhhh bankruptcy work) but one of my drives keeps telling me I'm about to run out of space. I also wanted to check if I can install Microsoft Windows 7 because, well, Vista is pretty darn slow.
In the process, I deleted out some old programs. I also got to see how much space some of the programs takes up. Being ridiculously redundant that I am, I actually had 4 different web browsers -- Internet Explorer (came with the laptop), Mozilla Firefox, Opera, and Google Chrome. My default browser I used was Firefox. It was one of the innovative browsers that came out with tab browsing and was nimble. Well, that was then. In horror, I realized that Firefox and Chrome took up 40-60 megabites. Opera takes up less than 8. And despite Google's campaign that it's an insanely fast web browser, Opera is incredibly fast. In fact, Opera even comes with Opera Turbo to kick up the speed if a site is too slow. So being the rebel that I am (or so I like to pretend), I decided to take out Firefox in favor of Opera.
Then I discovered new Yahoo! homepage can be customized. It can be customized so that I can preview sites I normally brought up when I first open the web browser .. such as email sites (yes sites) and news sites. Awesome! Now I can go to one site -- Yahoo! -- and quickly preview all the sites I would normally tab through. If I get emails I care to check, I will then click through to go to my email sites. I also discovered iGoogle has similar customizing feature. However, iGoogle is too busy because it comes up with pages with small preview panes of each sites, whereas Yahoo! interface is extremely clean.
So last weekend was spend figuring out how to surf through computing world faster... so I can spend more time in the real world. =)
Sunday, October 04, 2009
Life on a Curve
Starting in high school, there were some classes where "curve" for grading the class was introduced. During college days and beyond, getting graded based on a "curve" was the norm. What being on the "curve" meant is the teacher or professor decided that top 10% would get the top grade, vast middle would get average, and then bottom 20-30% may fail. Each test would result in some folks necessarily getting A and some folks necessarily getting C, D, or F. Needless to say, students hated it. I would still hate it if I were a student right now. If everyone did equally well, why punish some and not give credit to everyone? What is wrong with giving 100 out of 100 (based on objective means) if that's what a person did?
Well, apparently in life, we MUST decide that only few things are great and rest much not be. This WSJ article discusses how consumer reviews are too positive. So, now there's a movement to try to find reviewers who will give negative reviews or count only negative reviews for determining ranking for businesses. In general, my observation is that people tend to give positive reviews when they are impressed and talk about them with their friends. People will also give strong negative opinions when something really bother them. But if things were ok? Most people probably wouldn't remember and not take any action. So then it's not really a surprise that online consumer reviews tend to be positive... because folks who were really impressed probably went online to review. Why bother reviewing if things were so-so?
So if business impressed some folks so much that those people took the initiative to give positive reviews, should some business still be penalized? Isn't it great that a business does something that impresses some folks enough to take the initiative to give positive reviews? And what is wrong if surviving business got great reviews? Isn't it possible that businesses that do not generate positive feedback are out of business anyway? Basically, the article is pointing out that we as a society must grade all business on a "curve" and that's how our life should be. Which is really too bad... because I really miss the simplicity of going for 100 out of 100 and encouraging everyone else to do the same so we can all be great. But hey, that's just me.
By the way, in making the above observation, I am assuming that negative feedbacks are not deleted by anyone monitoring the review sites. Obviously, any business generating such negative reaction that people take the initiative should get negative review. If negative reviews are being deleted, shame on those deleting them. What happened to free speech, what our founding fathers fought for?
Sunday, September 27, 2009
Public Transportation and Sightseeing
I did learn something new though. Apparently, there's a site by Michael Brein that has guides on how to sightsee cities based only on public transportation! That's pretty cool.
Wednesday, September 23, 2009
Spontaneous Combustion... in Manure??
According to this L.A. Times article,
The cause of the fire, which started Tuesday, is still under investigation, but Ventura County Sheriff's Department officials have said it appeared to have been started by spontaneous combustion of manure from a local ranch.
That has to be the weirdest piece of news I have heard in quite a long time.
Sunday, September 13, 2009
Driving Saturn Aura in S.F.
Below are some pictures of San Francisco!
I went to Rassela's with a friend to enjoy some great Ethiopian food and live music.
It was a beautiful weekend, and I got to enjoy the view of the bay bridge.
Another view of the bay bridge and the farmer's market by the Ferry Building.
Farmer's market and Market street.
Another view of the farmer's market at the Ferry Building.
Sunday, August 30, 2009
Increased Written Communication, Less Face to Face Interaction
Instead of debating about whether the use of technology is good or bad, my sense is what is lacking today is educating folks about good manners, decorum, and proper conduct. It wasn't so long ago that people knew when one person is talking, it is considered rude to interrupt. If you must, people apologized in advance and interrupted for good reason. How many times have you encountered someone who apologized (or even said "excuse me") for having to use the cell phone while you were out on social outing? Or to text? Or to call someone back? There appears to be the sense and urgency that because technology allows people to respond immediately, you should instantly look at your cell phone or your computer no matter what social setting you are in. But the truth is, people (older generation mostly) with good manners will apologize in advance or not check their cell phone or computer under same circumstance.
Good manners don't necessarily have to be tossed out the window because of advancing technology. And good manners have to be taught. Instead of bemoaning Gen Y's lack of face to face interaction, perhaps that could be addressed by instilling good manners to kids in school so that they understand an interruption, even one that comes in the form of technology, is rude.
Sunday, August 16, 2009
Interesting Sites.. Which Ones Last?
Inevitably, I find quite a lot of sites that got a lot of splash initially are now dead. There were sites promising better "bookmarking" capability. Markaboo.com was one, and it appears it's not live anymore because I can't get to it. Online karaoke (www.singshot.com) tugged my heart (being a singer and all) but alas, it also seems to be dead. And what about teleflip.com? Seemed like a good idea...to be able to text from your email for free. And I used it a couple of times... tricking people into thinking I was texting from my phone (and cause quite a lot of confusion apparently when they tried to text back). Alas, also dead.
What is not dead, however, is www.zoho.com. This is started off as free online word processing website and it appears to have grown. WAY before Google doc's and Microsoft's own minimal online version. And now the editing function for the word processor appears richer than when it first came out. There's footnote/endnote function (it didn't when I first reviewed it quite a few years back). The buttons are intuitive. And yes, it can be shared online with others so you can have collaboration. Zoho has pretty much all office products online. I'm so glad it's still alive... because it kicks butt and it is one of the original creator of online word processing software (www.ajaxwriter.com appears to be dead... ).
A lot of music sites appear to be still around too. amiestreet.com is still around, which is awesome. Unlike Amazon.com or iTunes with set prices for each mp3's, buyers price the music. Well, technically, demand sets the price for the music. If lots of people purchase the music, the price goes up. If not a lot of people purchase, well, it starts at $0 so I guess it remains free. So NO set price! If you pay $0.98, that means people really like it. It's true demand and supply forces at work to price the item. I think I'll go check out some music and buy some good undiscovered music... at bargain price (hopefully) ;)
Sunday, August 09, 2009
What is Wrong with Our Health Care?
The main concerns really focus on the cost/finance/economics of health care. So what do we have? One, the "cost" of health care is too high (presumably the premiums that either employees and/or employers pay). Two, there are lots of uninsured people who presumably may or may not get medical attention; if they do get medical attention, then they end up raising the "cost" of health care.
When I ask how these problems arise, we get to no clear answer. I was told it's because the pharmaceutical companies raise cost of drugs to insurance who in turn would raise cost to everyone else. Another person told me it's because all the uninsured somehow raise the cost of insurance (but if the insurance doesn't cover, and hospital doesn't get money from insurance for the uninsured, how do they raise cost for the insurance? I would think it would raise the cost for hospital but this is an aside.). Another person pointed out that it's all the frivolous lawsuits that raise malpractice insurance which raises health care cost (once again, if that raises malpractice insurance rates, how does that translate to health insurance premiums rising? I thought those were two different insurance companies, but again this is an aside). Someone else thinks it's because we are a nation of obese people and just generally unhealthy, raising the cost of health care because we require more complex procedures (diabetes associated with obesity, heart problems associated with obesity, etc. etc.).
I guess what I'm trying to understand, in this health care reform issue, is do we know what the underlying problem is? In order to solve a problem, it would be helpful to understand the problem. And right now, I don't have a sense that I clearly understand the root (more likely roots?) of the problem... and maybe it's because I haven't researched thoroughly. But when I get different answers from different people, I get the sense that most people do not have a clear idea of the problem either. And perhaps that may be the problem to solve first... to get America to clearly understand what the problem (and the underlying cause) is. But that's just my humble opinion.
Sunday, August 02, 2009
Moving My Law School Outline Website
I started searching for web hosts but if you know of a good one (preferably free... because I am frugal), please leave me a note.
On a related, but not really related topic, I took my mentee, who just graduated from law school, out for lunch on Saturday. She just took the bar and made a comment about using computers to take the bar. That made me quiz her about the law school finals and use of computer. When I was in law school, having my laptop in class to take notes was a novelty -- I was one of 3 or 4 students who did that. She told me that now, everybody has a laptop and that there is a software to take finals with laptops. With free wifi, apparently people are surfing the net in class, and professors compete with internet for attention. On the flip side, people IM answers to you if professor starts questioning you. I found all of this fascinating. And my mentee was quite bemused by my questioning... of what was to her a very basic thing in school now.
Like my outlines, probably, I felt a bit outdated. ;)
Tuesday, July 28, 2009
Hilarity of an Honest Question
We ended up watching a preview of the Smallville's next season and Q&A of the panel, which included the actor that plays Superman in that show. I don't really watch the show, but I have to admit the actor is good looking. So the funniest moment for the audience of 6,000 (that's how many the moderator said was in the audience) came when this girl went up to ask her question. The first thing she said... she didn't -- she sighed. And the entire audience was busting up with laughter.
Then she said, "Mr. Tom Welling, my questions is for you. Could you tell me what was the most exciting or interesting thing that happened on the set and could you make it long so you could keep looking at me?" It was so hilarious, I thought I would start crying from laughing so hard. The entire audience's laughter was enough to drown out the answer.
And the actor was pretty accommodating. He said "Well" BIG Pause. Big laughter from the audience. "I would say" ANOTHER BIG Pause. And another gale of laughter from the audience. And so on. And yes, he looked at the girl the WHOLE time. And in the middle of his answer, she sighed once again.
It was the funniest moment of my life. Someone should put that in Youtube. Oh wait. It is. =)
Thursday, July 23, 2009
Resigned
I feel resigned. Although as I observed today, I think younger generation (I guess I'm no longer that young!) is not on Facebook as much... it's been invaded by older folks. So how hip could it be now??
Sunday, July 19, 2009
To Save or Gamble?
So the premise of the article is basically there are savings products out there that give reduced interest rate. In return, you get to enter into a raffle so that you have a chance to win a big prize by opening up the CD or savings account.
But I am sure if you do the math by taking statistical chance of winning, you are far better off putting all that money into a straight savings account or CD with higher rate! Besides which, the idea of marrying gambling into savings product just seems so odd... maybe I'm just getting old!
Sunday, July 12, 2009
My Entertainment -- My Trash Can
I bought a trash can from Costco, after debating whether $45 for an automatic kitchen trash can (actually 2... there was a smaller one inside the big one) is worth it. After thinking how much I get annoyed about having to buy the plastic top cover from Target every few months, I decided a quality trash can may be worth it. Plus, it has infrared censor so that the lid automatically opens if you move your hand or make some type of motion near the lid.
I found out that I LOVE the trash can (powered by 4D batteries, which were not included). I'm just tickled that it opens when I have my hands full of chopped up vegetables, peeled cucumbers, etc. to throw away. And I get amused that if I walk too close, sometimes, it just pops open.
Yes, simple things amuse me. And my trash can has officially entered as one of my entertainments. Here's a couple of pic's.
Monday, July 06, 2009
It's About the Money
Around 8 minutes into the speech, she talks about how she had to spend more than $500,000 in legal fees defending herself from frivolous ethics charges, especially when there's no way to stop person from just filing charges. If you recall, before the election, all the candidates released their financial positions. Palin and her family was the least wealthy -- in fact, they were (and probably still are) the only candidate that could be classified as middle class to upper middle class. She doesn't make millions, and the family didn't have millions. For a middle class family, more than $500,000 in legal fees is a LOT of money. Do you have that much to spend? I don't. And I don't have a family to support.
At the end of the day, she appears to have given her resignation because the family doesn't have sufficient money to keep spending money on legal fees to defend herself against frivilous charges that were piled on after she burst into the national political scene. I am not a Republican. But I think it's ridiculous that politicians are crucifying her move without giving a second thought to her family's finances.
Without being in the position that keeps draining her finances, she could be free to pursue other deals (talk show, book deal, etc.) to bulk up her finances. That may give her more freedom to once again pursue political positions where even if she has to spend money on frivolous or meritorious charges, she has the financial wherewithal to do so.
It's a really sad statement that this American society is so litigious that someone without money (well, gobs of money) cannot maintain an elected political position.
I disagree with most of Sarah Palin's positions. But I'm also disgusted that money is pushing someone out of the political position. And I'm also amazed that this sad fact seems to have escaped the notice of other politicians. Have and have not's apparently run all the way into our political system.
Sunday, June 28, 2009
No More Secrets
Thursday, June 25, 2009
because there was a beginning
the anticipation percolating to being the first
foreshadows the inevitable.
after the beginning
the inspired reach stretching to the next
masked the inevitable.
but because there was a beginning
veritable and sure
must close with an end.
and because there is an end
connected to the beginning with unique nexts
a singular beauty lies encased
Sunday, June 21, 2009
Solutions Not Just Protests
Unfortunately, California is in a major budget crisis. By July 2009, without a budget that balances revenue to expenditure, California government will have to issue IOU's according to many news source (and this is one of them). It's tough to be the program that is on the chopping block. But perhaps petitions and protests are not the answer to financial problem. Instead, it would be more productive if people who are affected reviewed the actual budget and pointed out what else could be done so that affected programs can be saved. Is there belt tightening that could be done elsewhere? Is there a way to generate more revenue?
And going through line by line and then pointing out what could be done instead, would actually give constructive solution. Think that can't be done? The proposed budget and past finances is actually on this website. My understanding is, any government agency (federal, state, county, etc.), actually has to disclose all of this information publicly. (I could be wrong). It's just that no one actually bothers to review it and get back to the people that make decisions.
So, instead of petitions and protests, I say take apart the budget and propose a better solution.
Monday, June 15, 2009
Positive (Optimistic) Words Do More Harm Than No Words
Sunday, June 14, 2009
Saving More Than Money .. By Being Lazy
For the most part, if you own a home, that means making sure you don't water your garden as much, don't wash your car, etc. But if you live in a multiplex building (condo or apartment), what can we do?
For starters, I started turning off water whenever it's just running if I'm not actually using the water for the task at hand. That means, when I brush my teeth, the water will be turned off while I'm brushing but I will turn it on when I need the water. Or in the shower, I turn off the water when I'm soaping.
I have also heard that one uses less water if you use the dishwasher when it's full instead of doing dishes by hand. Check this blog post about this. So, I started to use my dishwasher more. In order to make sure you use less water, though, you need to fill up the dishwasher. For someone who doesn't have a large family or mouths to feed, that means waiting maybe a day or two before washing dishes so that the dishwasher can be full. That's kind of a hassle (yes, I realize the irony) but I decided if it's good for the environment, I can learn to be lazy. ;)
Thursday, June 11, 2009
Savings Caveat
I have a friend who is financially responsible. She is frugal and doesn't spend excessively. However, this same person also paid for her roommate's rent while her roommate/friend was unemployed. I forget a lot of things in life (my brain apparently takes too much abuse from information overload) but that is something I never forgot. Saving doesn't trump generosity... if our family or friend is in need. Or if the occasion calls for it.
Monday, June 08, 2009
Personal Finance Mumbo Jumbo
1) I started tracking every expense.... so I could be certain that I did not spend over the severance amount I received. You heard that many times. I started by writing down on blank paper -- one sheet for each month. And then a few years later, I realized the virtue of excel spreadsheet. I did not wait until the end of the month but literally, when I came home, I would note everything I spent (every tea, coffee, parking meter, etc.) before I forgot. It was scary in the beginning (the first month or two), but as I started tracking I realized the concrete numbers gave me more comfort than some ambiguous notion of what I had and was spending. It gave me the freedom to know when to stop eating out or to take the liberty to eat out with a friend.
2) Once I found a job a year or so later, then I started tracking my version of cash flow... just noting cash coming in and cash going out. If I moved money between savings account to checking, that was not noted. Basically, money going out translated to anything coming out of my checking to pay bills or cash withdrawals. Money coming in was salary, or other miscellaneous items (refund). Then each month, I would total up cash that came in and subtract cash that flowed out. That would be my "savings" for the month.
3) After a few years of just tracking that, I realized I should set a goal for saving instead of blindly saving. Otherwise, my instinct was to not spend anything other than the bare necessity but having a goal helped me to actually spend some money for leisure (concert, books, etc.). I took my gross income and calculated 30% of my gross. That became my goal for total savings for the year (I heard Oprah was told to save 30% before she became mega-rich so I figured that's a good goal to live by).
Then I set a budget to figure out what my goal "expense" should be per month. I did that by taking my net income from paycheck and figure out my net income for the year. Then I took that number and subtracted my total goal (30% of gross income) and divided by 12 to get my goal "expense" per month.
4) I used to use Yodlee to get the snapshot of my investments. Then I thought what if someone hacked in and could access all my account? I got paranoid. So then I started another excel spreadsheet to keep track on weekly basis. Is it a pain to update manually on a weekly basis? Yup. But I broke it down to categories I like to keep track.
So basically, my habits grew out from one simple advice -- keep track of expense. All else sort of grew out of that once that became second nature. I also think that once you get in the habit of thinking about savings, you seek ways to keep track of what you need to keep track. So the basic point? You don't necessarily need all the softwares and websites to help you ... you can start with a piece of paper and pencil. But taking the concrete step every day really goes a long way. Mine has... for 8 years and counting.
Sunday, June 07, 2009
Labor Economics
Sunset from Costa Rica
A set of sunset pictures from Costa Rica is my favorite. The picture was actually taken when I was at a restaurant called El Avion at Manuel Antonio. The sun was actually setting in the opposite direction but the light was bouncing off of the clouds, with some gorgeous effects.
Monday, June 01, 2009
Persevering... to Cut Off Cable Service
So today, after verifying with ATT that my telephone number has transferred to ATT, I called up Cox to cancel my service. As customary these days, I went through some sort of automated dialogue. After determining that I wanted to cancel, the computer put me on hold. I promptly put the hold on speaker phone and got my dinner ready. Then I watched the World News on ABC. And then I started watching a re-run of Two and a Half Man. It took nearly 45 minutes before a live representative got on the phone so I can cancel Cox Cable.
I was tempted at times to just hang up and call early tomorrow morning. But I was determined. At some point after 10-15 minutes, I decided -- I must persevere. I will not let Cox win its battle and get more money from me by psyching me out to get me to hang up by putting me on a long hold. And lo and behold ... I won! It is I that is triumphant! My determination not to give up... not to cut off that really really annoying music by hanging up... to suffer through 45 minutes of muffled music that distracted from concentrated TV watching experience...ahhhh. It felt good to know that the representative had to get to me. The representative tried to tell me I was a fool for switching. But I didn't care. After THAT long of a hold? Why would I want to change my mind to go back to Cox? Do you hear that Cox? I WON the battle of perseverance! =P
Monday, May 25, 2009
Costa Rica Vacation
Our first stop was Arenal Volcano/La Fortuna. We flew into San Jose, Costa Rica but went directly to Arenal Volcano area on the first day. The main attraction was the active volcano, but we did not get to see the lava flow. It turns out, we were staying at the wrong side. The lava flow is only visible from north or west side of the volcano... La Fortuna, where it was cheaper to stay, is on the east side. But we got to enjoy Baldi hot springs.
After spending 2 nights, we moved onto Monteverde for some more nature intake. We visited Selvatura Park for walking around suspension bridges and Santa Elena Cloud Forest Reserve. The cloud forest was pretty awesome but the guide did talk about how the climate change was affecting both animals and plants.
After spending 2 nights there, we went to Manuel Antonio area. There is a small park, Manuel Antonio, where we saw monkeys, sloth, woodpecker, crabs, etc. It's right by the Pacific Ocean so we got to relax by gorgeous beach too.
We arranged this trip ourselves, after deciding that the travel agent was not being totally honest. Guidebooks (Lonely Planet, Frommer's, and Fodors) were helpful to varying degrees. But they did not prepare for some things.
1) If you want to see the lava flow at Arenal Volcano, stay at Arenal Observatory Lodge or north/west side of the volcano. We met someone who basically saw quite a lot of activity because they stayed there. It's a bit pricey but you won't get to see any activity staying in La Fortuna. And you can only see red lava glow at night so you might want to hit the hot springs during the day and then look for lava in the evenings.
2) La Fortuna and Monteverde cities preferred US dollars over their own currency of colones. In fact, the price quotes were so horrible, we did everything we could to use US dollars. The lesson, don't change all your money (like my cousin did) to colones. You will be using US dollars quite a lot.
3) On the other hand, Manuel Antonio area preferred colones over US dollars. So before you get there, make sure you have colones.
4) Cost of goods is NOT cheap compared to the cost of goods at US. The exchange rate won't save you. So be prepared to pay basically what you would at US. For example, bottled water (small) cost $2.
5) We alternated between rain forest and cloud forest. Regardless of which forest, it's humid. And there are lots of bugs. Buy an insect repellent if you forgot to bring one.
6) Don't eat salads or raw vegetables. You might get food poisoning (which is what I think happened to my cousin).
7) Guidebooks will tell you that roads are awful in Costa Rica. That's kind of true. However, the road from San Jose to Arenal Volcano/La Fortuna is not awful. The road from La Fortuna to Monteverde is really really really bad. Our transportation from La Fortuna to Monteverde consisted of taxi, boat across the Arenal Lake, and then taxi to our lodging at Monteverde. As soon as we crossed the lake, we were on unpaved, gravel road all the way to our lodging. There were no road signs. Although lots of packaged tours will include rental car, you might want to stick with obtaining private shuttle/taxi service between cities to save yourself stress of finding the road and trying to drive stick shift for hours on unpaved road.
The road conditions from Monteverde to Manuel Antonio was similarly awful (although after a while, we did hit some paved road).
8) We flew from Manuel Antonio to San Jose on Nature Air, one of Costa Rica's domestic airline. The airplane is really small... 2 turbo engine plane. And there's no air conditioning. But the air time is very short so it might be worth trying to fly between cities to save some time on rough roads.
9) Restaurants and hotels automatically add 10% gratuity on top of 13% tax so don't feel that you need to leave tip. You already are.
10) At Manuel Antonio, we stayed at Vela Bar Hotel which was in a great location. It is literally right across from the free beach. And it's on the road, near the entrance of the Manuel Antonio state park. The guide books make it sound like this is the only hotel at that location. However, there are at least 3 other hotels. They seemed nicer ... and a couple seemed to have swimming pool. They are: Hotel Villabosque, Cabinas Espadilla, Hotel Playa Espadilla. Costa Linda, one right next to Vela Bar Hotel, appears to be a hostel for backpackers and advertised room at $10 per person. All of these hotels are located at probably the best location in terms of access to the beach and the state park. Other nicer hotels are kinda far (although you might have a view of the Pacific Ocean) and you would have to drive in order to access the beach and the park.
11) It's probably worth it to have guided tours at Monteverde. For Manuel Antonio State Park, we were fine without a guide.
There are too many pictures to try to upload. So here's the album link for Costa Rica pictures.
Costa Rica 5-2009 |
Sunday, May 10, 2009
Predicting TV Hits
I'm not saying everything I watch becomes a cult hit. You could also argue that if you watch too much TV, some are bound to be hits.
With the help of Hulu (it is evil!), I actually started watching Dollhouse on Fox. I have to admit I was a fan of Buffy the Vampire Slayer (TV series) and Angel. Joss Whedon is the creator of all 3 shows. The storyline of Dollhouse is... well, morally shocking. It involves brainwashing people and manipulating them to be fantasy slaves to rich people (the short version). But for whatever reason, it is addicting. Maybe because it's morally repugnant? Who knows. But if my past TV watching is any indicator, it might actually become a cult hit.
Tuesday, May 05, 2009
Sleep and Eat More, Work Less!
On the other hand, I guess I should thank my dad for making the decision to emigrate from Korea to US when I was a kid... because Korea holds the record for being the most "awake" nation.
Why I Still Don't Facebook
Still tired of profile creating. Although this site, www.particlebrand.com, has my interest peaked. Robo.to in particular promises that it will keep all your status updated in one easy calling card.
Monday, May 04, 2009
Washing Hands 101 + Pandemic Preparation Kit
So, in order to wash hands properly according to CDC, you are supposed to use soap and lather our hands. I hope we all knew that. We are also supposed to wash thoroughly under running warm water for about 20 seconds (sing Happy Birthday song twice). I hope you knew that because I did not.
Something else I did not really think about until listening to NPR last week -- If a major pandemic does break out, then potentially it may have the same effect in our society as a major natural catastrophe such as hurricane, earthquake, or fire. Meaning, that people will not be in stores, perhaps credit card transactions won't go through (because there won't be people working in that sector), water may not be running (because there won't be people working in that sector), etc. etc. In natural disaster, we are aware that we should have a kit and emergency money. I realized the value of actual cash -- not credit cards -- when everything shut down during the hurricane in Alabama. Having gas for your car is also a pretty darn good idea because pumps won't work at gas stations to fill up your car. And last but most importantly, water and food???
All of which, we should have. But this guy (I forgot his name) on NPR was talking about how the American government was doing disservice to the public by not advising people to basically get their basic emergency kit ready and handy... in case our society does come to a halt. The message was basically that if we have to stay in our homes for a while, having plenty of water, food, and cash goes a long way.
Learning something new everyday.
Monday, April 27, 2009
The Swine Flu Pandemic of 1976
Thursday, April 23, 2009
Being the Butterfly
The other thing I haven't forgotten is one particular birthday wish. Every year, I get birthday wishes from friends I think of so often but don't get to talk to nearly enough... and then I nearly fall out of my chair that they actually remembered my birthday. One particular birthday wish from the past has stuck with me even now because my friend sent me a quote which was just perfect... It was:
"The butterfly counts not years but moments and has time enough." by Rabindranath Tagore.
I plan on being that butterfly to count another year of hopefully great moments.
Wednesday, April 22, 2009
My Trash and Recycling Bags
Actually, as a non-pet owner, I have a problem with getting rid of plastic bags and paper bags. I actually use them as my trash bags (for plastic bags) and recycling bags (for newspaper, plastic bottles, etc.). So if I have to use reusable bags, what will I do? I will go buy plastic bags that will line up my trash cans. Which damages my wallet more than it does me now.
Can't we just require people to re-use their bags? Apparently, at least one cat lover, does. Don't other people re-use the plastic and/or paper bags???
Wednesday, April 15, 2009
Would You Still Be Working at 103?
Monday, April 13, 2009
Foot Following the Hand
------------------------------------------------------------
HOW SMART IS YOUR RIGHT FOOT?
You have to try this please,
it takes
2 seconds. I
could not believe this! It is from an orthopaedic surgeon.............
This will confuse your mind and you will keep trying over and over again
to see if you can outsmart your foot, but, you can't. It is pre-programmed
in your brain!
1. While sitting at your desk in front of your computer, lift your right
foot off the floor and make clockwise circles.
2. Now, while doing this, draw the number '6' in the air with your right
hand. Your foot will change direction.
I told you so! And there's nothing you can do about it! You and I both
know how stupid it is, but before the day is done you are going to try
it again, if you've not already done so.
Send it to your friends to frustrate them too.
Thursday, April 09, 2009
What's in a Name?
When my parents got their U.S. citizenship, I had a choice (as a minor) to become naturalized with a different first name. I thought about it for a while. It seemed cool to be able to choose my name as a teenager. But then, at the end of the day, I decided to keep my name just as it is -- my given Korean name without an English name. Why? Because it's the name my dad had thoughtfully picked for me while he was working abroad at a cargo ship. He broke the Korean naming protocol to pick a name that sounds pretty (in Korean) and has a good meaning (to know grace or gratitude). Besides all of that, I realized I couldn't pick anything else as unique as my name.
But apparently, this politician thinks Asian names should be banned, and Asian Americans should change their names. What's up with that? I wonder if she emigrated to say, China, if she would so easily give up her own name and adopt a Chinese name.
Wednesday, April 01, 2009
Facebook Trumps Free Law School Outlines Resources
My first name is rather unusual. I used to think that it's unusual even for a Korean name. For quite a while now, if you googled just my first name, what comes up is this website I set up while I was in law school. During the mid to late 90's, websites were no more than homepages with a bunch of links to sites that people thought were cool. I figured a website with actual substance would be cooler and taught myself html by viewing various site codes to upload all my law school outlines. While I was attending those classes (it was brutal finishing and uploading them while preparing for finals). Granted it has all my short-hands, but if you know law school study methods, outlines are pretty much a necessity.
Because that website has been around for a long time (now over a decade), it has trumped a lot of other sites (even my blog) if you googled my name. Why? I think it's because over time a lot of other legal resource sites linked to my website as well (heck, it's free and I'm not even getting paid for ads on that site).
But today, I found out the price of not having a Facebook account -- a Facebook account of another person with my first name comes up as the first search result of google. Which made me laugh out loud ... because I'm rather amused that a social networking site should trump a site that tries to give some substance to others. But I guess it's an indication that Facebook is a lot more important than, say, free legal outlines.
More power to Facebook. And if you are curious, yes, I'm still rebelling and I am not getting a Facebook account.
Wednesday, March 25, 2009
AIG Bonus -- What's Not Highlighted
So knowing that and knowing that most executives returned the bonuses, it sucks to be those employees. The mass media and less complete reporting has transformed hard, tough job into a very very thankless job for folks who are trying to undo the mess. Lesson of the day? Apparently, abandon ship as soon as possible so that you are not mistaken for folks who created the problem.
Saturday, March 14, 2009
Use or Non-use of the Word "Rape"
Merriam-Webster defines "assault" as :a threat or attempt to inflict offensive physical contact or bodily harm on a person (as by lifting a fist in a threatening manner) that puts the person in immediate danger of or in apprehension of such harm or contact.
Legally, "assault" means an intentional act by one person that creates an apprehension in another of an imminent harmful or offensive contact.
So if I string all that together I take "sexual assault" may mean threatening or attempting to inflict harm in sexual manner. It doesn't seem to me that "sexual assault" means someone inflicted harm by committing unconsensual sex.
However, when you listen to the news media, the context makes it pretty clear that they use "sexual assault" synonymously with "rape." It seems like the news media decided the word "rape" carries harsher tone so they decided not to say that anymore. Which is cowardly and unjust to rape victims. Rape is a violent and, in my humble opinion, an unforgivable crime. Why soften that up for criminals who commit rape? Why belittle what happened to rape victims by softening up by using words which do NOT literally translate to rape?
I say, if someone actually commits rape, call it as it is -- it's rape. If someone "intends to do harm by creating fear of committing harm by using sex," then call it "sexual assault." And describe how that person did that to fully and accurately report how the person created the apprehension. Did the person say he was going to commit rape? Did the person bind and gag a victim, stripped himself so it appeared he would rape but did not actually commit rape? Don't let criminals off easy by erasing the word "rape" from our news vocabulary.
Thursday, March 12, 2009
Follow This Guy on Twitter for Free Donation to School
Sunday, March 08, 2009
How Safe is Our Money in Banks?
The thing is, as scary as this sounds, it makes sense. If all banks fail, and if everyone has to rely on the safety net, yes, that safety net will be stretched and may be gone. But that safety net is there so that we don't have the public running to the bank, pull money out, and cause even more bank failures. If that happens, would having our money under our bed really help? Probably not. That may lead to hyper-inflation and paper money could become valueless.
So really, even if our money may not be safest in the bank, the only hope is to keep our money in the bank and do what it takes to make sure that banks survive. Hopefully, by then, FDIC will also be a much stronger safety net because banks would stop failing. Definitely interesting times to be living through... and may we all rise to the occasion!
Tuesday, March 03, 2009
Evolution in Action
Sunday, March 01, 2009
Thoughtless (i.e. Stupid) Scam Email
"Dear Friend,
I know that this letter may come to you as a surprise, I got your contact address from the computerized search. My name is Mr Sani Mukila. I am the Bill and Exchange (assistant) Manager of Bank of Africa Ouagadougou, Burkina Faso. In my department I discovered an abandoned sum of nine million three hundred thousand United State of American dollars (9.3MILLION USA DOLLARS) in an account that belongs to one of our foreign customer Mr Kurt Kuhle from Alexandra Egypt who died along with his family in Siber airline that crashed into sea at Isreal on 4th October 2001.
Since I got information about his death I have been expecting his next of kin to come over and claim his money because we can not release it unless somebody applies for it as the next of kin or relation to the deceased as indicated in our banking guidelines, but unfortunately we learnt that all his supposed next of kin or relation died alongside with him in the plane crash leaving nobody behind for the claim. It is therefore upon this discovery that I decided to make this business proposal to you and release the money to you as next of kin or relation to the deceased for safety and subsequent disbursement since nobody is coming for it and I don't want the money to go into the bank treasury as unclaimed bill. Am contacting you because our deceased customer is a foreigner and a Burkinabe can not stand as a next of kin to foreign customer.
The banking guidelines stipulate that the fund should be transferred into the bank treasury after 8 years if nobody is coming for the claim. I have agreed that 33% of this money will be for you as foreign partner in respect to the provision of your account for the transfer, 2% will be set aside for expenses that might occurred during the business and 65% would be for me, after which I shall visit your country for disbursement according to the percentages indicated. Please I would like you to keep this transaction confidential and as a top secret as you may wish to know that I am a bank official. Indicating your interest and also Contact me via this email ( sanimukila1@hotmail.fr )
Please reply with the assurance, come up with the information's showed below:-
1)YOUR FULL NAME...................
2)YOUR AGE...................
3)MARITAL STATUS...................
4)YOUR CELL PHONE NUMBER...................
5)YOUR FAX NUMBER...................
6)YOUR COUNTRY...................
7)YOUR OCCUPATION...................
8)SEX...................
9)YOUR RELIGION...................
10)YOUR PRIVATE E-MAIL ADRESS...................
Yours sincerely,
Mr Sani Mukila.
PHONE ( 00226 71 35 28 65 )"
Ummm. Yes. If the guy needs me to reply back (since he emailed me first) with my private email address, how stupid is that?? It was rather amusing, and livened my Sunday night.
Monday, February 23, 2009
Finding a Romance Article in an Unusual Place
Wednesday, February 18, 2009
Must Be for the Principle
I moved in December to a different unit because my old unit got flooded after raining. Apparently after paying the final bills of all my utilities, I was owed some refund from AT&T (internet, phone, tv). So according to the stamp, AT&T spent $0.42. The refund? $0.02. Basically, AT&T spent 21 times more to deliver the refund to me ($0.02 times 21 equals $0.42). Not very cost effective. I have to admire AT&T's principle to deliver me my refund!
Saturday, February 14, 2009
Happy Valentine's Day!
Anyway, one of my favorite poems by Robert Frost is "The Rose Family." And it may just be appropriate for today. Happy Valentine's Day!
The Rose Family
by Robert Frost
The rose is a rose,
And was always a rose.
But now the theory goes
That the apple's a rose,
And the pear is, and so's
The plum, I suppose.
The dear only knows
What will next prove a rose.
You, of course, are a rose--
But were always a rose.
Tuesday, February 10, 2009
Koala Saved by Tree
Monday, February 02, 2009
My Favorite Movies and Books
Instead of remembering the last movie or book that I saw or watched that I didn't like, I decided to sit down and really think about what my all time favorites are. The simple test is, would I want to watch the movie again? And would I want to read the book again?
And I came up with this list for movies:
- When Harry Met Sally
- Princess Bride
- Lord of the Rings Trilogy
- Welcome to Dongmakgol
- Stardust
- The Lakehouse
- The Way Home
- Maverick
- Sneakers
- Charade
- Clueless
- Office Space
- Matrix
- Ever After
- Matilda
- Wall-E
- Bad Boys
- Speed
- Spiderman
It's kind of a long list, but I wouldn't ever mind watching any of these movies over and over again. In fact, I actually have dvd's for some of them. Sad that only Wall-E made it to my favorite list from last year after all the movies I watched!
As for my recommended book list? I actually ranked my book favorites in the order of preference. But 1-6 are really tied as far as my preference goes.. And "We Wish to Inform You..." gets to the bottom only because it's too heartbreaking to read it over and over again.
- Poisonwood Bible
- Watership Down
- The Centaur in the Garden
- Life of Pi
- Lamb: The Gospel According to Biff
- Oryx and Crake
- Invisible Man
- Blindness
- Straight Man
- The Stranger
- Wicked: the Life and Times of the Wicked Witch of the West
- Candide
- Ender’s Game
- Harry Potter books
- Reading Lolita in Tehran
- The End of Poverty
- Supercapitalism
- A Heartbreaking Work of Staggering Genius
- We Wish to Inform You That Tomorrow We Will Be Killed With Our Families
I was thinking of doing a post of books I really enjoyed of all the books I read in 2008. But looking at my above list, I realize that only one impressed me ("Blindness").
So now that I have made my list, I'm going to see if this year adds anything to this list. It's kind of sad that the list is composed of movies and books that I had consumed quite a few years ago... I don't think I'm going to delve deeply into what that means on quality of movies and books I consume so much?!?
Thursday, January 29, 2009
Wall Street, Main Street .. AND Red District Asking for Bailout
But the industry leaders said the issue is a nation in need. "People are too depressed to be sexually active," Flynt said in the statement. "This is very unhealthy as a nation. Americans can do without cars and such but they cannot do without sex."
"With all this economic misery and people losing all that money, sex is the farthest thing from their mind. It's time for congress to rejuvenate the sexual appetite of America. The only way they can do this is by supporting the adult industry and doing it quickly."
Err. Ok. Whatever. If Congress gives a penny to the porn industry, I'm going to quit paying taxes.Sunday, January 25, 2009
A Marriage Proposal
When he proposed, he did not use flowery language or begin with a 15 minute soliloquy about love and marriage. It was direct, short, and focused -- "Will you marry me?"
My reply? A smile and a gentle "no."
Well, you see, since my move to the new unit within my apartment, I have been walking to work by a different route. That route, unfortunately, has a lot of homeless people still sleeping while I'm walking to my work. One of the homeless men decided to propose to me. And while flattered, I certainly could not accept the offer without knowing who the man is.
All of which led me to think back to a question that my friend asked while we were in law school... and a hypothetical question of would you marry someone who was homeless and penniless? I'm pretty sure I was unable to answer that question at the time -- if that would be a quality that would deter me from marrying someone if you truly loved that person. Of course, this was a different scenario, since the man and I did not know each other.
But I was gently bemused to get my first proposal (I took it as a compliment) ... and have since then changed my route to work. I wouldn't want to be asked more than once and wouldn't want to give same answers over and over! ;)
Monday, January 19, 2009
Tim Tam's -- an Aussie Snack
Heat Wave in San Diego = Surf's UP!
View of the beach at the bottom of the Sunset Cliffs. The water was clear enough you could see the bottom.
The beach is actually not that big... but because it's hard to get down, it's also not that crowded. I'm determined to get down there one day!
Other folks enjoying the view from the cliffs as well.
What view? Rolling waves and surfing!
Riding the wave.
There were quite a few surfers... all clamoring for a little bit of the wave.