About sixteen years ago, I met him for the first time. My trainwreck sibling brought home this adorable puppy he had no business adopting because he had not one thing in his life that wasn’t a mess. I was furious at my sibling – he didn’t even take care of himself, how could he drag
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August 10, 2016
I don’t think that the only way to express love is to spend money but it’s prevalent in both our family cultures. Well, naturally it’s commercially popular, but I also see this among family and friends who weren’t raised in a capitalist society.
Even among the traditional, Eastern philosophy set, money seems to reign supreme as the expression of love, loyalty, fealty, filial piety.
At Lunar New Year, married couples wish the young singles a happy new year and prosperous life by giving them red envelopes stuffed with cash.
For weddings, we don’t give gifts or make registries. Family and friends show their support of the wedding and the marriage by means of a red envelope stuffed with cash. It’s not called a gift, in my culture, it’s called “tying their hands together” (roughly translated), meaning you’re contributing to the fact of their union. I always liked that.
We never celebrated birthdays except for little kids, and you guessed it, gifts were normally red envelopes stuffed with cash. A wrapped gift item was rare.
Never coins, though, it had to be paper bills. I can’t remember the reason behind it but your envelopes should never jingle, only crinkle.
I see this mentality played out through other aspects of the culture, too, and while I loved some of the traditions, some of them get carried a bit too far.
Love is supporting your kids / dependents financially.
Kids didn’t ask to be brought into this world and a loving and responsible parent should be doing everything they can to make sure their kids are fed, clothed, educated and safe.
But it has to stop at some point, doesn’t it?
When parents are still supporting their kids well past their 20s, and into their 30s, and 40s, even when the kids in question are perfectly capable of supporting themselves, I’m not sure what the game plan was and how it went so very wrong.
I see parents insisting on funding things for their kids that seem outrageous to me when I know the kids are earning very solid incomes and have every opportunity to save for these things on their own: cars, down payments, vacations, household supplies. You have to wonder how the kids are going to manage on “just” their own incomes when the parents aren’t there to serve up another half salary.
Then again, Nicole and Maggie have me asking is it support or is it a gift?
Love is supporting your parents in their old age.
Within reason! Ten years ago, I dreamed of providing my parents a very comfortable retirement. But it was supposed to start closer to my 30s or 40s, not in my 20s.
But it started in my teens and 20s, so I can only provide Dad shelter, food on the table, and utilities fully paid. We’re not going to endanger our financial futures by trying to go overboard and provide luxuries he wouldn’t enjoy much for the look of the thing.
I learned that lesson by observing some cousins who are on financially shaky ground because they did that very thing: their parents were so grabby that the cousins couldn’t save for retirement, couldn’t save anything, really, and ended up needing support themselves. Both parents and kids are to blame in that case – the cousins were well old enough to set reasonable boundaries and refuse to volunteer money for luxuries like retirement and
Love is giving money gifts.
Under the specific rules above: Lunar New Year and weddings, sure. I’ll even throw in graduation presents up through college for very close relatives.
But we don’t do gifts for every occasion. We don’t gift on Valentine’s Day, Mother’s Day, Father’s Day, etc. It weirds me out when people have an expectation of gifts for everyone on every occasion.
Love is treating everyone else to a meal out.
It’s nice to be able to pick up the tab every so often.
But I much prefer paying our own way or taking turns or even just staying in and cooking. Not every meal has to be a dining experience. If you’ve ever seen an all-Asian table get into rugby mode over the bill, well. Let’s just say that following up a nice dinner with a knock down drag out fight a few times means that you’d be tired of this one too. I mean, it’s funny the first few times but …
And if you don’t participate then you never pay, and while always being treated when you eat out may seem nice, I certainly don’t like being that person. Let me pay my own way and have a civilized meal, for the love of Murgatroyd!
:: What do you think? When is it a gift and when is it support? When is it support and when is it enabling? Are you comfortable with the flow of money in your family and friend circles? What are your norms?
August 8, 2016
A
Gai Shan Life turns ten!
Born in 2006, this site has changed names once, changed URLs twice, and changed designs at least seven time. AGSL is a senior in dog years, starts fifth grade in kid years, or could retire as a centenarian in blog years.
I’ve published more than 2000 posts, some of which don’t bear re-reading and some of which I’m still proud of, made literally awesome friends, and found community in the unlikeliest of places.
It almost feels pretentious to celebrate a decade of blogging. I’ve been tapping my keys, chatting with y’all. But I can’t pretend that running this blog this long, despite the slings and arrows of fortune or wondering why I’m doing this, isn’t a big deal.
We’ve come a long way since starting a free blog on Blogger, posting random musings on the complications of fresh out of college income, family, and navigating relationships when you’re bogged down with a freighter’s worth of family baggage. (more…)
August 1, 2016
ON MONEY
I use Swagbucks. Here’s a handy tutorial if you’d like to join and earn.
Spending
In the wake of June’s credit card bills, I cautioned PiC we had to pull back on spending for a few months to let our accounts breathe. We largely did ok with this even with this month’s travel.
Our normal monthly credit card spending on food, household supplies, any utility bills I can charge without fees, medical and vet bills, tends to average around the $1000 mark.
Planning ahead to FinCon in September, unfortunately my post didn’t win any prizes, so I’ll be on the hook for all the travel costs. This makes me triply glad that we had great friends willing to host us and Seamus for the week of SDCC. (more…)
July 27, 2016
Joking with Kate and Little Green Revolution on Twitter about being ingrates who give unwanted, personalized, gifts that you can’t regift, a genius brainstorm hit me. I can hire JuggerBaby out! Ze can finally earn zir keep!
Ze is a natural (two-legged) cat with the added benefit of not shedding (much). Ze has been auditioning for the role of Minimalist Cat for MONTHS. If there’s anything breakable within reach, ze makes eye contact, reaches out with a chubby paw and pushes it off the shelf. Grins for the smash. Extra giggles if you react. Extra extra cackles if you react with anger.
Foolish human.
Minimalist Cat thrives on bringing chaos.
Disclaimers: Minimalist Cat does not recycle. Minimal Cat does not dust or pick up unless you offer really good bribes and use Mom voice. Minimalist Cat is a fan of brooms but mostly for licking and wild gesticulations. Not so much for sweeping.
Got clutter? Minimalist Cat will help you!
- Is it breakable? Minimalist Cat will break it.
- Is it fabric? Minimalist Cat will pick and chew it.
- Is it paper? Minimalist Cat will shred and cheek it.
- Is it shoes? Minimal Cat will steal them.
- Is it a gift you really really didn’t want? Minimalist Cat will rend and tear it.
- Are you daunted by how much there is? Does it feel like too big a job because your shelves overflowing? Minimalist Cat will empty them and strew things EVERYWHERE. The better for you to sort it.
- Are you not unsure what’s in that one closet you don’t open the door to? Minimalist Cat fears not! Ze has your back. Services offered: pull everything out of the closet, unpack all bags and boxes so you can’t pretend you didn’t know it was there, and lick half of it. It’s marked now, throw it out.
- Is that your mouse? YOU DON’T NEED IT.
- Is that a landline? Ze can smash it.
- Is that a cell phone? Ze will use it.
- Is that your baby? No, silly, that’s Minimalist Cat’s baby now.
“‘Uh-oh’ is for accidents, Minimalist Cat,” says PiC. HAH.
No, but seriously
Clutter is a problem around here. Unwanted gifts, poorly selected clothing, snowdrifts of junk mail all make their way in and it’s a Herculean labor to shovel it all back out again. It’s an endless task but it’s gotta be done or we’ll drown in Bed Bath and Beyond coupons.
I’ve tackled the closet one 20-minute session at a time, forcing myself to make ruthless and realistic decisions. The one-year rule doesn’t work for me because I can go a whole year without touching half my closet but then need that half the following year.
Now, I’m paring down with the aim of having a week’s worth of clothing suitable for each season, casual and business. If I do it right, I’ll end up with a much slimmer and more classic wardrobe.
As for kitchen supplies, nothing new is allowed in there unless we get rid of three things for every one item. I refuse to end up with a Hoarders-level kitchen!
:: What decluttering challenges do you face? Do you discourage gifts from family or friends? Would you like to hire JuggerBaby?
July 25, 2016
PiC and I have taken years to properly combine and organize our money since the wedding.
The end goal has always been that I shall take and keep complete Dominion over All Things Money! Given our wildly differing levels of interest, it’s for the best.
We started out with completely separate finances. It was all too complicated to merge, I thought. But as we started to combine our lives, the separation and siloed information started to drive me bonkers. It turns out that I need to have almost complete control over the whole picture to be able to make effective, informed decisions. It’s simply how I work best.
There are still some loose ends. Some of them may stay loose-endy due to their nature of being specifically one person’s thing to deal with. I recently wrapped one of my own, dealing with a retirement account that was weirdly designated and dumping those funds into my primary retirement account. I have another one that I’ve started writing about and am not ready to put out there yet.
Things like inheritance gets tricky. I don’t feel like I have a right to touch money inherited from his side, nor do I want to touch it. On my side, there’s been nothing but grief when it comes to money so I especially hate the feeling that doing anything to protect his inheritance feels like I’m a moneygrubbing so-and-so. Except I don’t want any of it for myself! I just hate seeing money managed less effectively than it could be. But because of the feeling that I didn’t come to this union with my own family money (except I did, it was all money that I earned with my own hands), I’m more comfortable ignoring the nagging feelings that it could be better managed and leaving it alone.
Viewing the landscape, I see friends of varying economic levels from poor to very high net worth with all kinds of financial arrangements.
I also keep seeing strong opinions on how, if you’re married, you need to combine finances. I agree that you have to have a system but I don’t agree that it has to be any specific kind.
:: Have you ever had intertwined finances or finances that were dependent on others (partners or roommates)? How did that work for you? Do you have a personal preference for combined or separate finances?
July 20, 2016
Lend me a hand?
Just two weeks ago, we were holding out our hands to JuggerBaby, either to assist an unsteady gait, or to lead zir the way we needed zir to go. Ze would sometimes take our hands and wobble along with us. Other times, ze tucked zir hands close to zir body with an “Ngh!” clearly refusing to be led. “I can do it! (but I won’t)” you see, on zir face.
Overnight, it seems ze can walk without wavering, without hesitation, though ze has zero concept of the proper way to navigate stairs and stay upright. Ze is now even running with that peculiar pace that wee kids use. Shoulders nearly up to zir ears, entire torso swinging left and right wildly, angled nearly 45 degrees to the ground.
JuggerLB extends a hand expectantly. Makes eye contact, and as hand clasps hand, ze sets zir feet firmly, preparing for my resistance. Sometimes I cooperate and follow. Sometimes, I play limp noodle and resist. Ze is prepared for this, and digs in zir feet like a pro tugger-of-war. The stubborn is strong in this one.
I see a future of our wills clashing and smile. It’s inevitable to have some clashing but I hope that at least some of the time, they’ll be teaching moments: teaching zir how and when to stand up for zirself and be zir own advocate when it’s time for zir to spread zir wings and fly solo.
JuggerBaby has graduated from needing to be tickled (physically) to laugh and now finds the humor in things on zir own. We play games, like “bring me all your toys”, or “destroy everything” and either because of my expression, or my exclamations, ze will burst into laughter and try to get me to do it again. Role reversal of the best kind.
Good-bye, organization
A friend said of toddlerdom: say good-bye to anything staying in its place ever again. I did the mental equivalent of plugging my ears and shutting my eyes and pretended that wasn’t coming my way.
Sure enough, nothing is safe any longer. We often hear footsteps: pat. pat. pat. pat-pat-pat PAT-PAT-PAT as ze makes a dash for our bedroom and my nightstand. My side of the room has been off limits for months but now it’s too hard to keep zir from it. If you give chase you hear a cackle peel out as ze makes the final end run, bouncing off the dresser, crawling over Seamus’s bed, scaling the boxes to Baby-Ninja-Warrior zir way to the treasure trove that is my nightstand and bookshelf.
Every day and night, ze tries to check the nightstand just in case there’s something different there to inspect, taste, and steal.
Meal Negotiations
It’s amazing how such a little package can contain so much defiance and attitude. Ze knows the rule is that we sit when we eat, even if it’s just a quick snack and sitting on the ground. Ze sits just fine at a size appropriate table and chair at daycare.
And yet.
“Sit down and have a bite.”
Squats, opens mouth.
“Sit ALL THE WAY DOWN. I refuse to be responsible for you getting stabbed in the face with the fork.”
Plops down with a scowl. Bounces back up on zir heels before the fork is fully out of zir mouth.
And heaven help you if ze really wants something and you’ve said no. You’ll get a long stare, then ze will attempt to grab it anyway. Dodge the attempt and scolding “no” riles zir further and ze lunges again. This time for the nearest Mom flesh, not zir desired object, in order to sink seven sharp vindictive teeth in.
A strangled shout of “STOP THAT YOU DO NOT BITE ME!” is met with an unwavering glare and another attempt to bite. Never turn your back on zir. Ever.
Pure pigheaded defiance, this one.
I remind myself that this is probably normal and assuming that ze lives to adulthood and I survive to see it, this pigheadedness and refusal to be cowed will likely serve hir well in this world of ours. A lot of ifs, if you ask me, but here I am, being patient, deep breathing and rubbing bite marks out of my arms.
The things we do for our kids.
We’ve tried this dozens of times but JuggerBaby has always held out against our bargaining. At the beginning, we would stand firm and insist that ze needed to eat as directed but we learned that a more flexible approach combined with some firmness and some humor made mealtimes a lot more bearable.
Ze remains a fan of dropping food overboard but now that ze is starting to understand simple cause and effect, I’m enforcing a new rule: if food is tossed, you’re done. Whether ze has had a full meal, or two and a half bites of zir snack, ze gets booted from the high chair the moment food is tossed on the ground.
After several repetitions, ze has gotten much better about it but that doesn’t mean meals are consumed with grace and alacrity.
We had burger night and ze was 100% focused on the juice boxes on the table. It was my treat, I usually drink water, but PiC wisely set one out for zir. The trick was in getting zir to eat food instead of sucking down the whole juice.
By the way, when I make burgers, I make baby sized burger patties especially for zir. It’s a thing I’m proud of. Next we need baby sized buns.
I dictated that ze had to eat TWO BITES before getting to sip the juice. I held out two fingers, and counted out loud, very firmly. At first, ze was defiant and insistent, shaking zir head NO at me very firmly and pointing at the juice. I replied, nope, two bites or no juice and went back to my meal. Ze called for the juice box again, and I repeated: 2 bites. Ready for one? Ze glared, then relented and nibbled on the burger bun. I praised the bite, “that’s one! One more.”
Ze chewed, mulling it over, then silently accepted when I offered another bite. Then decided to go for the gusto and launched zirself at the burger and snatched a dino-sized bite. We were on!
Ze willingly ate 2 bites per sip of juice for a while until I suggested a 3:1 bite to juice ratio, at which tyranny ze balked and decided ze would rather not eat or drink than to accept such unreasonable terms.
FINE. After I went back to the 2 bites rule, ze even relaxed enough to enjoy the burger normally, and stopped demanding the juice. I guess you can train a toddler!
It’s still hit or miss, honestly, but it’s a start!
Vegetables have been the least popular food group now that JuggerBaby has to chew all zir own food. I hate well-cooked vegetables but crisp vegetables are harder when a baby only has the tearing teeth and not the grinding teeth. We compromised with slightly more limp specimens than I like and we’re seeing more veggies go in the mouth without making a surprise reappearance.
When they’re sauced, ze will even clamor for more, so that’s motivation for me to stop being lazy with only steaming vegetables and learning to make a sauce.
We’ve decided not to care about zir very odd habit of dropping food into zir water cup, like a crow trying to raise the water level, or dipping zir food into water like Kobayashi with his hot dogs. If you want to eat waterlogged food, that’s fine with me.
We’ve also decided not to care about zir imitating Seamus at mealtimes. It’s faintly ridiculous but ze is still determined to eat and drink like big brother, cramming zir face into zir food bowl without using zir hands. It’s hard to decide if ze thinks ze is a puppy or that Seamus is human because ze does not act like he’s like any other dog.
Independence
Chatting with a neighbor while JuggerBaby struggled to pick snacks out of zir snack box, our neighbor offered to help zir out and quickly solved the puzzle. I didn’t mind, I just commented that normally I stand back and observe until JuggerBaby has exhausted all zir ingenuity and asks for help. And even then I might just point out a possible solution and encourage zir to keep trying.
Ze is still quite young but I want zir to develop a firm confidence in hir ability to eventually crack even the toughest nuts, occasionally with help, and learn that early frustration and failure aren’t good reasons to give up.
With food and books, ze is willing to batter the problem into submission but we see zir give up quickly with concepts like shapes and colors. Pondering how to fit one shape into another shaped hole, often ze will bypass the problem by opening the top of the container or hand it to one of us with an imperious “ah!” This may pass but it won’t if we don’t give hir the freedom and push to keep trying. It’s not that I worry ze will be seventeen and still unsure of the difference between a sphere and a hexagon. I worry that at seventeen ze will hit the base of a mountain, metaphorical or otherwise, and give up before ever taking the first handhold.
I’ve no idea how early children develop and firm up their willingness to face down frustration but I hope this all adds up.
:: Do all kids imitate animals when they’re young? Were you an independent kid? Did that carry over to adulthood?
July 18, 2016
You might remember we just spent half the year on dealing with car stuff so when I spotted this comment over at Dad is Cheap it jumped out at me.
After working in the auto industry for 16 years, I’ve seen just about everything. Some of the things I’ve learned: 1) Never buy used from a private party. 2) When you buy used from a dealer, know that they almost always “pack” the car by at least $2k-$3k. In other words, start your negotiations by taking off at least that much and sometimes more depending on the model. 3) If you get a great price, know that the finance department will do their best at charging you high interest (they get a bonus) to make up for the loss. Don’t let them get away with it. Ask for the lowest “buy rate” if you need to finance it.
The commenter went on to explain why:
It’s more or less general rule of mine because I’ve rarely seen private sales work out in the long run. Unless you are car savvy or take it to a trustworthy auto technician to be examined, it can be difficult to detect a maintenance nightmare and unfortunately, I’ve seen far too many private party sales end up in court battles with little or no recourse.
In my personal opinion, an exception to the rule would be if you know the car and where it’s coming from, and you are able to make a determination that the car was maintained properly. Maybe from family member or friend. I most certainly would not take a chance on purchasing a car from an unknown party.
Rules 2-3 are useful, but Rule 1 directly contradicts ours. My first car was new, but since PiC and I joined forces, we have never bought new since and we avoid dealers like the plague. The convenience has never been worth the price padding for us.
PiC’s rules for buying cars (& approved by me)
Rule 1: Always buy used from a private party.
Rule 2: Always buy from an original owner or a 2nd owner.
Rule 3: Always review the owner’s paperwork and maintenance history, making sure that it all matches up. Don’t take their word for it.
Rule 4: Always take it to a reputable mechanic for a PPI (pre-purchase inspection) before making any decisions. You can, and we often do, negotiate a lower priced based on the recommendations from the inspection.
Rule 5: If you have car savvy friends (we do), don’t be too proud to consult them. Our very car savvy friends know certain makes inside and out, and were able to advise us to avoid certain model years due to known maintenance issues.
Together, we’ve purchased three used cars in the past ten years and they have all run smoothly and reliably. We budget for and pay regular maintenance costs every year, and we still spend less than the cost of a new car (financed or paid for in cash) and all the normal maintenance associated. We’ve never broken down due to mechanical issues, though we have had some random unfortunate incidents.
As an aside, this is why my parents insisted that I buy a new car in one of my earliest wastes of money. They didn’t realize that it just takes being more selective, and more legwork to save 50% or more on a used and just as reliable car.
It’s not that we don’t like new cars – we do! But believe it or not, we like cars that are quite expensive. Way too expensive for a family of four, and way too expensive for a family who intends to retire early and do some good in the world. And that stuff is more important to us anyway, so even though we might LIKE the idea of the super shiny techy, we choose not to go that route. Instead we pick cars that fit exactly our needs today, in excellent condition, and keep them that way as long as we can. Which, considering the JuggerBaby, takes a little extra work, but it’s worth the satisfaction of winning another battle against entropy.
And someday, when I hit the bigtime, PiC can have his Porsche. Any kind, any color. 🙂
:: What are your car buying rules? Does “used” make you think of a clunker or someone else’s lemon?