looking and staring at the fact bloodmoons jealous of lunar being brought back but not him but also disregarding the entirety LUNAR was the one to promise him a body.

So when i watched death note in high school it made me curious about real japanese police work. I read about it alot and came to the conclusion that their justice system isnt too great.

Im currently upset that a coworker who i took as a friend - not only disliked me all along - but went as far as to lie about me to get me in trouble. That no one cared to hear my side. That i was fired on the spot. That people turned their back on me immediately. That no one cares.

Well. 17 year old me would have said. But of course. In Japan your guilty until proven innocent. That japanese put on a show but dont truely like most people. That they band together and will go out of their way to avoid any kind of conflict. That they care more about a pretty appearance than solving anything. 17 year old me that only heard and read about Japan knew these things. 17 year old me imagined this cool different country that works because theyre proud of this... performance way that they live. And i was amused by it. All i knew was america and european history. I was so hungry for something different. I was so interested in different people.

Then I went to Japan. I got here and it was too similar to manga. How silly, i thought, those a comics - i didnt actually expect the country to be like those comics. And ive never really been able to place what that made me feel but id grown past this bemusement of different “alien like” people. Theyre just people who live in another country i thought. I dont like america and our norms. I know nothing but america but i dont agree with any of our steriotypes. You cant describe me the way most would try to describe a typical american. So why would people from any other country be different. Im sure theres people like the sterotype - but certainly more not at all like that.

And i got here and i watched the smiles on service workers slowly fade when they thought no one was watching. I watched children put trash where it didnt belong thinking no one was watching. I was girls laugh loudly and run around and yell at their boyfriends. I watched drunk college kids hollar and reak havoc in the city. Not robot people, not obedient children, not, quiet and demure girls listening to the men, not studious students worried about their reputation. Just people. The same people i saw back home.

And so i thought. Its the same. Different history. Varrying values. Same old people - judgmental and watching everyone ready to scold them if they deem it necessary.

But that guilty until prooven innocent thing. The fact that the old way of caring about your reputation is still a solid work practice.

These things. Make me feel like... i guess.... to my dissapointment. Maybe america really is more free...

I dont want that to be true. The us is so full of itself. Just like healthcare. I want universal health care to be a good thing and at very least in japan its not really. Its better. Its more affordable. Maybe their problem is just how much they hate drugs and thats what stops real care.

But. Ive always been a cautious person - i just dont want to get in trouble. But ive never thought id be in a situation i couldnt talk my way out of - because i dont do anything super bad. Maybe sometimes ive pressed the limits - but never outside of... like i drank underage. I tried to get into bars i wasnt old enough for. Ive dodged paying for the train fare. Dumb things. Things that the worse that would happen is i gotta pay it somehow or id get scolded. Drinking under age is against us law but its almost never taken too seriously.

But its occurred to me. Yeah. In japan it is guilty until prooven innocent. I really could have gotten in legal trouble for baseless allegations.

And japan is as racist and people say. Theyre friendly and try to talk to you in english and say nice things. And it doesnt seem like racism to a person from the states. Out racist look at you with digust. They wont touch you. They wont talk to you. They dont want to know about you

But here... it takes the form of a racist parent who grew up in the 50s and knows that theyre not supposed to be racist but still is.

Theyre welcoming and friendly to your face but talk shit behind your back. They ask a bunch of questions like (in america “where are you really from”) they refuse to accept you might actually belong. They constantly want to assert how different you are so instesd of telling you that your different - they ask questions or explain what theyre doing. And if you say ‘yes we also do this’ they react with disbeleif - what? No! You couldnt possibly get this - this is our thing and you are not us! And they constantly ask if you miss your home. Assume that you’re uncomfortable because they are. Also also. Instred of not wanting to touch you here - theyre much more willing to push you out of the way

Theres many mixed race kids here now though. I assume theyll have to do the same thing that happened in America. I havent met any mixed race adults but ive met plenty of white dads.... all trying super hard to assimilate to the point that they walk around talking like robots. Swearing that everything japan is great and they dont miss their home cointries at all. Pretty similar to the immigrants of america from when my mom was a kid.

So i still think at least for japan. Theyre way more similar to the west than they think they are. But these restricting regulations that they live by... really does make the country seem not as free as id ignorantly beleived it was.

It surprised me because their rules are so much like the way my great grandmother talked about stuff. And while were supposed to care... we just dont in the states. Respect your employer? Sure we say we do to their face but talk shit with coworkers. Worry about your reputation? Eh think im a bitch i dont give a fuck whatcha gonna do about it? Nothing thats right. Dont like another person? No one cares. Like that person or dont - it doesnt change anyone elses relationship with them. Make a mistake? Well if your boss fires you - everyone already probably thinks their an asshole cause generally mistakes are just met with some form of dickwaving belittlement. Pretty sure most of us get mad everytime we hear a story about someone getting fired because they posted a picture of them in a bikiki or having fun - most of this generation agrees thats dumb and has to change.

I feel more like an american now than ever. Americans are reluctant to change im told. Yes. I suppose we are. We might not know the rest of the worlds history but we kinda know our own. And as much as ive alwags agreed with the sentiment that cultures are different and thats just the way they want to be.... we used to be these ways but decided it was restrictive and controlling and mentally abusive and fought it...

Ive been reading more about the work culture in japan to figure out how he fuck this went so wrong. Apparently when young japanese people enter the work force, they cant even have friends as distractions outside of work because their boss will move them away from home.

Ive already read that japanese think suffering is good and seniority and witness first hand their preoccupation of appearing busy over actually being productive. Its just this constant performance.

Perhaps i did stress him out to the point of physical pain. I remember having a massive meltdown where i shook and it felt like my brain was melting after i tried so hard to be a good nice person. I did whag people apparently like. I changed myself to just agree with people and be positive and assume the best in everyone. Then my “friend” told me that i was a bad friend because i asked them if they would people drive their friends home so i could to sleep at 4am. And the two things just didnt click. I didnt go to sleep that night. I sat at my desk shaking for the next 5 hours and having flashbacks.

Im talkative. I talk as much as i do here in real life. And i have alot of questions. I talked to him a lot. Made him look not busy. I know he liked talking to me. I know he did. Thats why i got confortable talking more. He was always surprised when i asked him questions about himself but once he started answering he kept talking. Yeah. Its nice to have someone ask you what your thoughts are on topics. What your experiences have been. Did you like those things or not. I know japan it a group think culture - i guess they get there by really draining out ANY idea of individualality. He told me hed never been asked what he likes about himself. In the us were asked that constantly from elementary school “what do you like about yourself. What do you like about your friend. What makes you different?”

It kinda baffles me... questions and thoughts like these are so common in anime.... and obviously anime is popular in japan. Obviously obviously. Im confused how theyre watching these programs often with such deep meanings.... and not taking anything away from them. In the states our tv programs are always being restricted and stuff because they might give us “bad ideas” but they aren’t restricted here and yet... it seems no one takes anything from them

When i visited japan in 2013 i saw a teenage girl in huge heels lose her balance and stomp on a middle aged womans foot. That woman had already been standing like her feet were in pain and she made a face of being in so much pain. The girl rudely didn’t apologize and the older woman said nothing. She smiled through her pain...

And i also complained to my coworker. Not full on complaining. The small ones you make at work when youre not sure of the extent you can go to. At first he held off like the other teachers. But. Then. He started complaining back. It got to me not needing to be the one say an annoyance first. Like i asked how his meeting was. Other people i worked with might leave it ah it was a bit slow but necessary. And he started that way. But instead he started responding to me a succession of statements the slowly crept more toward his real feelings. ‘It was good... we didnt do much... or anything, i just sat and listened and took notes. we dont learn anything, it takes up a lot of time but we have to go. I dont like those meetings. I dont know their pupose... but were told to go so we must’

Whatever. Im just gonna keep rambling and complaining about this cause it sucks and is awful. Contracted woth my company i wasnt allowed to publically critisize japan. I imagine thats why you dont often find many things on the internet complaining. You will literally be unemployable if your name is attached to critisisms of this country.

Where as everyone can come to the states and tell us to our faces how much we suck and how much cooler their countries are. And generally the younger general is just kinda like - ‘you right’ people write articles all the time shit talking the states and we just go ‘ya we deserve that’ we do. Im not saying dont do that... but like... maybe just maybe. Were doing the good thing where were like

Haha call us fat! We are fat. We love us some mcdonalds. Hm.... why though. Actually we need to fix that. Why are people eating so unhealthy? What is the underlying cause of this problem? Lets try to work on that - and then we fight amoungst ourselves.

I like that... i like thay thing we do

In the states you might not want to become a ‘whistleblower’ and in some industrys you might get black listed for something dumb. But at least we talk about it and agree its a problem. In japan no one wants to even admit they have problems.

Know what else i told him. I talked about how were overworked in the states. That our work culture has gotten too similar to japans and we hate it. No one working 80 hour weeks thinks that they should have to do that. Of course i didnt go about it that way. I told him that my friends back home work 80 hour weeks and its unhealthy. That i cant work that much and refuse to. He i imagine counted how many hours he works and laughed and i said - oh haha yea i guess you also work that much. And he looked so much like he wanted to cry about it in the same way my friends back home. But said its natural in japan and that hes gotten used to it. But he definitely didnt mean it as he said it. I told him my friends say that as well. That i think theyre workaholics and i personally cant do it. That when work calls them they always pick up the phone even when they dont want to. But i dont do that. When my job called me as a server id ignore it and call them back later when it was too late for me to be asked to come in and ask them what they wanted.

Maybe to him my stories felt like when i read about students in europe being allowed to not go to school without reprucussions. It made HAVING to go to school evem more annoying. Why cant we choose to take breaks? I heard that place doesnt have homework - meanwhile im given at least 6 hours work a night! Not everyone has to do this? Other places learn things for fun?? They dont have to keep up with standardized exams that dont account for different teachers and school districts?? A 50% in that country isnt a failing grade???

Those were already shitty things but to read about them not bein universal did make having to endure it more upsetting.

Doesnt change that im stoll upset with him for not saying anything to me. Doesnt change that im mad that he made stuff up.

Really me rambling on about this doesnt change my presepective on any of it. Im just bitching

Questions About Car Seats, Leftovers, Medical Insurance, Budget Brands, and More!

Whats inside? Here are the questions answered in todays reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question. 1. Early or late retirement contributions? 2. Purchases for infrequent use 3. Used car seats? 4. Excessive leftovers 5. Friends want me to spend 6. Value of one bag living 7. Buying a house on $35K 8. How to avoid drive-thrus 9. Medical insurance difficulties 10. Budget brands? 11. Starting career advice 12. Thoughts on taekwondo One of the most enjoyable parts of writing this mailbag column is the wide variety of comments and questions I get from readers. I usually try to keep the stuff I choose for the mailbag at least somewhat within the realm of personal finance, maybe slipping in one or two questions or comments a week that arent related to the topic, but I get quite a lot of great stuff from readers that covers completely different topics that I just cant reasonably fit into the mailbag. For example, just in the last week or two, Ive received the following notes from readers: A reader wrote in to talk about the joys of playing Magic: the Gathering with her son and how they were building Commander decks together. A reader wrote in to encourage me to pick up some of the writings of the philosopher Byung-Chul Han, particularly his essays Psychopolitics and The Scent of Time (which Im currently reading). A reader has been trying to get me to debate him concerning a number of hot button political issues. A reader has been writing to me consistently for weeks asking for step-by-step help in getting a batch of homemade kombucha to work. A reader invited me to his dynasty fantasy football league. Thats just over the last several days. Honestly, I love this kind of thing, because it represents human connection. Theres a sharing of ideas and interests and a sharing of concern behind all of it that goes way past merely writing about financial issues, and it means a lot to me, even if its not fodder for the mailbag. Speaking of the mailbag, here are this weeks questions. Q1: Early or late retirement contributions? Is it better to contribute to a Roth IRA early in the year or as late as possible? I have money set aside for my 2019 Roth contribution but I dont know if I should do it now or wait. Brian Unless theres some specific reason thats unique to your situation that points to waiting, you should put those savings in there as soon as possible. The longer the money is invested, the more time you have for compound interest to work in your favor. Having said that, investment markets are unpredictable. Theres always a chance that right after you put your money in, the markets dip. Remember that this could happen no matter when you put your money in there. You could put your money in now and immediately see a dip, or you could wait until next February to put it in and immediately see a dip. The difference is that, on average, its much more likely that the investment youre putting your money into will go up in value over that period. If you wait, its very likely that youre going to miss out on growth. Put your retirement money away in retirement accounts as soon as you can. Dont sit around holding them, because youre usually doing nothing more than missing out on growth if you do that. Q2: Purchases for infrequent use Im considering purchasing a pair of bowling shoes. I only bowl once or twice a year, but it seems like its a wise investment since I could get a pair of perfectly good bowling shoes for around $25 instead of paying $3 or so each time to rent them. How do you view rarely used purchases like this that, while adding to the stuff you own, will eventually pay for themselves? Adam My philosophy on purchases like these is similar to yours. I try to look at the total cost of ownership of the item over an extended but still reasonable period of time, like five years, and I figure out which is going to cost less. I also consider how frequently Ill actually use the item, and it basically has to be annually at the very least and preferably much more frequent than that. That type of thinking requires full honesty to be valuable. So, in your situation, is it cheaper to rent shoes for $3 a pop twice a year for five years or buy a pair of shoes for $25 once? Well, the cost for rental over that period is $30, so Id probably swing toward buying a pair, assuming that Im bowling twice a year. If you assume that its actually going to be much less than twice a year, youre going to be better off renting. I usually use a five year measure for calculations like this, because I figure its pretty hard to predict accurately what my life will be like beyond that time threshold and its also probably a reasonable guess as to the wear and tear that an item can take. Usually, with a five year calculation, its obvious whether its a good move or not. Again, in this situation, those bowling shoes arent going to be worn out after ten wears, so its likely you will be able to continue wearing them at that point or theyll have some minor secondhand value. This pushes the pendulum even more toward buying them. Q3: Used car seats? I am expecting in November. My husband and I are starting to pick up baby items from FB Marketplace and Craigslist. Whenever a carseat is listed on Marketplace someone always comments that you shouldnt buy used carseats because theyre not safe. How are used carseats not safe? Amy A carseat is one of the few baby options I wouldnt buy used. The reason is simple: a big part of whats protecting that baby when theyre in the carseat is plastic, and you dont know how that plastic has been treated. Theres some chance that the plastic has become brittle and could easily crack or break in a severe impact, just when you need it the most. This can happen, for example, if a carseat has been left in the sun too much over the course of years. Its not an issue of negligence its an issue of you not knowing the history of that carseat. It may have had years of sunlight exposure, rendering the protection that it offers your child much weaker. Most baby items are fine to buy used clothes and baby monitors and things like that. Those arent things that will cause calamity if they fail and its usually obvious if theyre doing their job or not. A car seat, though, is something you should invest in. 99.9% of the time, it wont matter, but 0.1% of the time, it matters more than anything else and youll never, ever want to skimp on that situation. Q4: Excessive leftovers On any given night we will have 2-7 people at our house for dinner. By default we cook for 7 but that means that many nights we have a ton of leftovers. We eat leftovers for lunch every day but they still get tossed a lot. We cant give them to the food pantry either. Ideas? Andy My first suggestion would be to simply have a leftover buffet night for dinner twice a week or so. On, say, Wednesdays and Saturdays, just pull out all leftovers, put them on the table, and let people assemble their own plates of leftovers and heat them up (or heat up the hot items before putting them on the buffet). That way, the leftovers get consumed directly and you have a free dinner. Another suggestion is to frequently make meals and side dishes that are easy to remix into another meal if you have a low turnout. For example, if you make a bunch of spaghetti, you can save it for two nights and then mix in a few additional spices, put it in a greased 9 by 13 pan, put a couple cups of mozzarella and provolone shredded cheese on top, and bake it for 30-45 minutes, covered for the first half, to make a nice spaghetti bake. We also often have plain vegetables as a side dish and save the leftovers to make quick soups later on, for example. A final suggestion is that on nights where you have a low turnout, simply prep leftover plates for the next night and have the same thing for dinner again, or prepare a different dinner the next night for just the two who ate the night before. I dont think you need to feel obligated to have a fresh meal on the table for whoever happens to show up each night. Q5: Friends want me to spend Im 23 and got a nice job out of college paying $45K per year. Several of my friends from college are in the same area and have jobs as well so its fun to hang out with them, but it feels like they want to blow their income as fast as possible. They go out drinking and to clubs constantly, upgrade their phones all the time, ride around in Ubers when they have cars, and throw money at stupid stuff. I want to get rid of my student loan debt and start saving for a house and Im already contributing to retirement so I can get out of this as young as possible. Its not like Im avoiding fun but theres a ton of stuff to do that doesnt cost $50 or $100 for an evening. When I suggest anything else other than clubs or an expensive restaurant, I get ignored. Do you have any suggestions? Amy Find new friends? I mean, that sounds fairly cold, but it sounds like your values are diverging from the values that your friends hold, or perhaps they were always divergent and the income just exposed it. While I dont mind being acquaintances with people with drastically different lifestyles than my own, I have found its far more pleasant and easier to have close friends who have similar values and lifestyles to my own. That way, Im not pushed to overspend constantly just to spend time with my friends. I have been in situations where it felt like I had to pay some kind of admission fee (in the form of going out when I didnt want to) just to hang out with a friend and if I wasnt willing to do that, that person wouldnt hang out with me. That just isnt worth it. Id suggest digging into activities that you feel internally interested in doing. Find groups in your community that match up well with that by using things like Meetup and there youll find people who are also interested in what you happen to be internally interested in. Get involved in those groups. Youll find its not too hard to build friendships that way. Q6: Value of one bag living I found your post on one bag living to be interesting but not practical. Its not like more than maybe 0.001% of your readers will actually ever do it. What is the practical value of such an article? Ollie The practical value of it is that it really shows you how few items you actually need to have a happy and comfortable life, and when you realize that, you begin to realize how much extra unnecessary stuff you have and how much that stuff is costing you, both in terms of the stuff itself and the space youre paying for to store all of that stuff. Lets say, for example, that you decided to try it for a month. You packed a big duffel bag full of stuff and aimed to live solely out of that bag for that month. During the month, almost everything you use comes out of that bag other than maybe a few kitchen items, you really dont use anything else in your home. At the end of the month, youre left asking yourself what the point of all of that other stuff is. Why have any of it if youre able to have a great life without touching it? Why have shelves full of books and DVDs you never touch? Why have a television if you have a good life not watching it? This is likely to lead you to start downsizing your possessions, recouping some money along the way, and its also likely to lead you to question almost all of your physical purchases. If you keep going in that direction, youll find that you likely have excessive living space and can easily be satisfied with a smaller home or apartment, and if you downsize that, then youre on the way to some serious financial improvement in your life, as youre losing far less money to utilities, insurance, property taxes, and so on. Q7: Buying a house on $35K I am a single woman with a four year old child from a previous marriage; the father is not involved and avoids paying child support. We live in a small apartment in [a large city with a moderate cost of living]. I make $35K per year. My mom lives about five miles away and takes care of my son when Im working and hes not in preschool as she has a pension thats enough for her to live on because my father died in the workplace. I would like to be able to afford a small house for us and get out of this apartment building before hes too old because theres kind of a rough culture of teenage boys here. I would like to be in a house in four years. I have no debts and am saving about $200 a month for emergencies. Carrie First of all, Id contact a lawyer and do what you can to get child support. The cost of supporting your child should not be borne solely by you and hes legally obligated to provide financial help here even if hes uninvolved. Second of all, $200 a month in savings thats also used as an emergency fund isnt adequate to get to where you want to go in four years. I looked into your area and a small starter home is going to run you in the $300K range now and will probably be closer to $350K by the time you want to buy. 20% of $350K is $70K. If youre saving $200 a month, youll get to about $10K in four years if there are no emergencies. To get to $70K in four years, you need to be saving around $1,500 a month and have no emergencies that tap that money. Considering that youre making about $3,000 a month before taxes, thats an extremely difficult proposition. Thus, to make it to your target, youre going to have to do some radical things. The first thing I would do is sit down with your mother and discuss the option of cohabitation for a few years, with you splitting up the housing costs. If she could move into your apartment or you two could move into her dwelling and its a tenable situation for a few years, youll both save a mint. If youre paying $1,000 a month in rent and it suddenly drops to $500 a month, theres $500 a month toward savings, and probably more than that because youll have lower utility bills and you can more easily share food costs. You may find that after you buy that starter home, it may make sense to have your mother continue to live with you to keep costs manageable going forward, at least for a while. If you can swing something like that, use a lot of smart frugal tactics like sticking with store brand items when shopping, get on that child support issue, and keep working at your career to move toward a better salary, you can make this work. Without those kinds of big changes, this probably isnt a realistic goal. Q8: How to avoid drive-thrus How do you stop relying on the convenience of drive-thrus? I understand that its way cheaper to make meals at home but when I can just go to a drive-thru and get a quick meal and have it eaten before I even get home or eat it right when I walk in the door and theres no cleanup because I just toss the wrappers, its hard to convince myself to make a big mess making a meal at home. Leon There are a few good strategies for solving this problem that work well for different people. I suggest trying one for at least 30 days, see if it clicks with you or merely causes frustration, and either stick with it if it works or move on to another if it doesnt. First, try simply packing a meal for yourself at home before you leave in a small cooler. Make something simple that you like a sandwich and some baby carrots and a drink or whatever. Pack the individual items in reusable containers and put them in something insulated with an ice pack to keep it cool. Take that meal with you when you go out and save it at your desk or in a work fridge until youre ready to leave, then eat that on the way home. You can do the meal prep the night before while watching a television show and if you use reusable containers, cleanup is really just a matter of popping stuff in the dishwasher and wiping off the table (which youd need to do anyway). If you want, you can designate Fridays as eat out days and keep it as a treat for yourself for getting through the week. Another thing I strongly suggest is to simply get better at cooking at home. Cooking seems very difficult at first and even easy things like scrambled eggs feel like a giant mess and a big time and energy investment, but once you get more practiced, it stops feeling so challenging. Start by making really simple meals that you like grilled cheese sandwiches or scrambled eggs or spaghetti. Another strategy is to cook things in advance, make individual meals out of them in reusable containers, and keep them in the fridge. For example, you could make a huge batch of spaghetti one night and pack three or four individual meals of spaghetti with a breadstick in resealable containers in the fridge. Then, you can take them to work with you and youll also know that one is just waiting for you when you get home. Yet another strategy is to use a slow cooker. Start a simple dump meal before you leave (a dump meal means you just dump several ingredients in there and turn it on low) and youll have a hot home-cooked meal waiting for you when you get home. Slow cookers are great for stews, chili, soups, and simple casseroles; it can also make a mean pot roast. The goal of all of these things is to either put something in your hands directly so that youre not tempted to stop or have something at home waiting for you so youre not tempted to stop. Q9: Medical insurance difficulties I am covered by [a major medical insurer] through my workplace. A few months ago, I had a procedure done that my doctors office informed me would be fully covered by my insurance. They filed this with the insurance and the insurance company came back saying that the procedure wasnt medically necessary and wouldnt cover it, so my doctor is now billing me for it at the tune of $30K. I dont even know where to start. Should I contact a lawyer? Petra Without seeing the bills and documentation, I cant give you full advice on what to do. However, my first step would be to document every single detail that you can recall about this entire process, including dates and what you were told by both your doctors office and insurance. If you have any supporting documents, such as receipts and printed information about the procedure or about the costs, thats all valuable here. Then, I would go through the process of appealing this claim with your insurer, providing a copy of all of that documentation. An appeal should definitely be your first action. If you find that your appeal is denied, you should then discuss the matter with your doctor and attempt to get their bill reduced. If youre still finding that youre paying an excessive amount, then I would take all of this documentation to a lawyer and get legal help. It very much sounds like you were given inaccurate guidance from a doctors office and a lawyer can usually help here. Q10: Budget brands? Are there any budget brands you trust for making high quality stuff? Meaning brands that are cheap in price but the quality of their stuff is good? Darren The store brands at most department stores and grocery store chains fit that bill. For the vast majority of product types, the store brand is as good as most of the name brand options. They might not beat some of the really high end premium versions of those products, but the store brand is usually as good as 80% of similar items on the shelf. For things like charging cables and basic electronics like computer mice or keyboards, Ive found that Amazons generic brand, Amazon Basics, is really good for the price. For many different kinds of smaller electronic items, like external batteries for charging devices on the go or headphones or things of that nature, I strongly trust Anker. If theres an Anker option for a small electronic device, youre probably getting great bang for the buck with it. Those are the ones that immediately come to mind as brands that I strongly trust that consistently provide good bang for the buck across a wide variety of products. Q11: Starting career advice My oldest son is about to graduate from college with a degree in electrical engineering. I am collecting career advice from some people I respect to pass along to him. What advice would you give to a fresh college graduate in a technical field today? Robert First of all, treat the first decade of your career as an opportunity to build skills and relationships above chasing salary. A killer resume ten years from now will be worth a lot more than earning an extra $5K or $10K right out of the gate. If one job pays a little more but feels like a dead end, while the other job pays a little less but feels like its overflowing with opportunities and ways to build relationships, take the latter job in the first decade of your career. Second, if your workplace offers a 401(k) plan, take advantage of it immediately and contribute as much as you can stand. You will never regret this. Just do this and then start off with smaller take-home checks theyll still be a lot more than what you had in college. Pay yourself first. Third, no matter how tough a situation is, dont burn bridges, even if it would feel good. If youre moving on from a position, do it as gently as possible and be as positive and flexible as you can on your way out. Finally, eat healthy, get some exercise, get plenty of sleep, and dont work too many hours. If you dont do those things, youll be far less productive during your work time, the quality of work you produce will be lower, and youll have a harder time picking up new skills. If your workplace is obsessed with 80 hour workweeks, carve out as much of that 80 hours toward self care and rest that you can reasonably get away with. Q12: Thoughts on taekwondo I was wondering if you could share your thoughts on taekwondo from the perspective of both a parent of a student and as a participant with an eye toward cost. Is it worth it? Do your kids get value out of it? How about yourself? Brenda I attend a local taekwondo school with the rest of my family. It was an activity that my two oldest children wanted to try and the family plan isnt much more expensive than just the two of them participating, so when our family schedule lined up and our youngest was old enough, we all joined. In effect, our third family member was half price and the rest of us are effectively going for free, and the price has actually gone down as some family members have reached black belt rank (and those who havent are at a belt rank approaching black). First of all, if youre new to martial arts of any kind, its something you should shop around for. Any city of any size likely has a few martial arts schools; a larger city likely has some dedicated taekwondo schools with branches in various locations. Different schools offer different prices and different philosophies. Taekwondo is a martial art thats focused on fast, high kicking. That means that it really works hard on agility and balance. Theres also an emphasis on forms, which are sequences of kicks and other movements that are memorized and done from memory, which challenges a persons memory while physically exerting themselves. Our familys interest in martial arts lies much more in the realm of self improvement, character building, self defense, and fitness rather than training to fight. There are definitely martial arts schools that are very focused on simply training to fight, preparing people for things like mixed martial arts. Theres nothing wrong with that, but its not what Sarah or I were looking for in a school. We wanted a school where the merit wasnt in whether you defeat someone in a fight, but whether youre working hard and genuinely improving yourself so that youre better at the techniques, better in all around fitness, and better in character than you were the day before. Again, I have nothing against a school focused on fight-focused training, but its just not what Im looking for or what I would direct my children toward until theyre old enough to make those kinds of choices for themselves. Perhaps someday theyll take what theyve learned and move in that direction, and Im fine with that. When my oldest son and daughter began expressing a genuine interest in taekwondo, we shopped around for local schools that offered dedicated youth programs and were focused on a self-improvement type of martial art philosophy, and we found one that we liked that had classes near us, and over time, we all joined up. I think it has genuinely helped our children improve their ability to focus, their ability to overcome challenges, their character, and most definitely their ability to defend themselves and get out of a threatening situation. As a parent, Im thrilled with the impact taekwondo has had on them. As for myself, I joined because I agree in a deep philosophical way with the goals and direction of the school, as well as the fact that I was looking for a fitness program for myself and an opportunity to mutually encourage my family to be more fit. This hits all of those marks and with family rates, its pretty inexpensive. If you divide our session fees by five, theres absolutely no way any of us could be in a sport or a fitness program at these rates. If someone is interested in taekwondo or martial arts in general, Id start by figuring out why you want to do it. What are you hoping to get out of it, or what do you want your child to get out of it? Self-discipline? Fitness? Self-defense? Character? What are the one or two things you want most for yourself or for your child that you hope martial arts can provide? Start from there and shop around at a lot of schools in your area. Theyll all have different philosophies and centers of focus some of them will line up well with your own goals and philosophies, while others will go in a different direction (not wrong or bad, just different). Find some that match what you want, price compare them, and give one a try for a session and see if its right for you. Got any questions? The best way to ask is to follow me on Facebook and ask questions directly there. Ill attempt to answer them in a future mailbag (which, by way of full disclosure, may also get re-posted on other websites that pick up my blog). However, I do receive many, many questions per week, so I may not necessarily be able to answer yours. https://www.thesimpledollar.com/questions-about-car-seats-leftovers-medical-insurance-budget-brands-and-more/

Should we require people to wear Motorcycle Helmets?

"Should we require people to wear Motorcycle Helmets?

Should we require people to wear Motorcycle Helmets?

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I have 10 points on my license for minor infractions and now I am having trouble finding affordable insurance.

Car insurance help and rules?

Okay so I am 18 years old living on my own completely dependent. Now if I put my dad as a secondary owner to my car so I still have possession of it and got on his insurance would it be cheaper? Or would it have to be his car. I live in Oregon by the way. And also could I get better rates if say I got on my grandma's insurance? Is that possible considering she isn't my guardian or anything and I don't live with her? Because she has the best credit known to man and I know that affects your rates. If you have have any tip on how I can stop paying 250 a month on my 94 Accord which is 4 door (yes I'm getting very raped by American Family) I would appreciate it.

Can my dad by a motorcycle and put it under his insurance for me to drive?

ok im conused about this whole thing i know for a 16 year old motorcycle insurance is crazy. So how would this work my dads been driving all his life(Harley-Davidson) and his insurance is cheap, now for me its gonna be alot of money so can he buy the bike and put it under his name then i just drive it so then it wont be so much $ on me? can this work or is that illegal for me to be driving someone elses bike? is there anyway like i stated above to make my insurance cheaper if this doesnt work?""

Short term car insurance?

hi there, im 19 and need to get short term car insurance for about 1 week. every insurer ive tried wont insure me until im over 21. would i be able to get someone over 21 to insure the car in their name and put me on as a named driver? thanks""

How to win the claim case from the other car insurance company?

ok. So few days ago, I got into a car accident. I was driving down the highway simply just going straight. All of a sudden, this SUV crashed into me from my left lane and knocked off my side-view mirror & left some marks on my left front door. At that time of the being, I was so shocked because all I did was just go straight & I guess the car next to mine was trying to make a lane change but he wasn't fast enough to advance me. so instead, he bumped into me and realized what he's done then went back to his lane. after the accident, we both exited out from the highway & parked our cars on the side road because that's where the other car led me. I was driving alone at that time & I was so scared because it was my first time getting into this kind of an accident. I quickly tried calling 911 & told the 911 lady to send me a police. But she just asked if there was any injury & I said no then she just told me to exchange the insurance. How rude of her. Not to be mean, but I was little scared of the mexicans b/c the area I was in at the moment was really ghetto. so then I took some photos of the damages and exchanged the insurance company. The guy kept telling me in bad English that he was ahead of me so it's my fault. and I told him that I didn't even move & he was the one changed the lane without even checking to see if it was clear. but he couldn't really speak english well or he didn't even want to listen to me. so I left like that with my sideview mirror dangling next to me. *sigh* this isn't the end of the story yet. I claimed his insurance company which ive never heard of. They said that he's telling them I was the one who hit their car. which made NO SENSE. I even have a picture of their car bumper's mark on my side of the car door which proves that there's no way I hit their car and left a mark on mine and broke my own side view mirror and left THEM no damages. His car was clear with one inch scratch on the side which was made when he hit my car after bumping into me with his bumper and quickly turning back into his own lane. I can't even believe how he can lie about this kind of stuff. I feel so mad that there're ppl like him existing!!! It's so frustrating to see the liar defending himself. His Insurance company didn't even try to look at my car & told me that they are sorry & they can not help me b/c their customer said he didn't do it. What should I do in this situation? I have no witness, there wasn't any police there at the time because they wouldn't send me any which is SO WRONG of them to do. I want to sue 911 people. grr. How can I possibly prove them that I have no faults and they should repair my damn side view mirror?!?!?! What can I do?""

What is the best online source for shopping for health insurance?

My son is 20, full time college student in a different state (PA.) Home state is Ohio. I am on disability so my insurance (and my husbands') is through Medicare.. I am shopping for an individual plan for my son, and there are so many sites which offer so many choices...Not only do I need to get the insurance plan, I need to find the best web site for the query. (tried einsurance, etc..)""

Insurance on salvages autos? hw much?

i was just wondering if its possible to get insurance if i buy a salvage car from private seller? how much would the rates be? anybody has any idea? is it possible to get comprehensive insurance for a salvage car? well you cant get insured then how can you drive the car around ! doesnt make anysense right!?

Will my insurance drop me?

hey guys.. i have state farm insurance and i was put on my parents insurance as a 17 year old because i got into an accident in november (not my fault, i got rear ended). i turned 18 on new years day and just got a speeding ticket (51 in a 35). i was just wondering if my insurance could drop me and if so how likely it would be. thanks.""

How do I find affordable health insurance that covers sterilization?

My job doesn't provide benefits, but I'm tired of waiting to get Essure or a tubal ligation. Where can I find information about reputable insurance companies (that I can afford) that cover sterilization procedures?""

Info on car insurance for a 17 year old girl?

Hi, I am a 17 year old female who lives in the suburbs of New jersey. I will be driving a 1999 year model car and i want to know if anyone can give me a quote on insurance. The insurance will be paid only by me by myself not with my parents. i really need help or else I will never be able to drive! best answer = 10 points!!!!""

Approximately how much will car insurance cost me in the usa?

im 19 years old im getting a mazda rx8 2004 it has 55k millage on it. i will use my foreigner license in the states. im live in new york and im a student on an f1 visa.

Cost of car insurance in michigan with the full time driver being 18?

what is the cost of car insurance for 1 year in ichigan with the full time driver being 18? can you tell me where you found this?

I need cheap auto insurance below $150?

I'm 18 just got my drivers license got a honda civic lx 2010 and i need auto insurance i have a suckish job and i'm currently not in college but i will be attending after this next semester. i'm just looking for auto insurance, why is it so complicated?""

How much will my car insurance be?

R reg vw polo 999cc

""Looking for auto insurance, do I need to report an accident?

I was driving a friend's car and was involved in an accident. I was not at fault and no ticket was issued. My friend's insurance paid for the damage on the other car. Do I need to report this accident while shopping for car insurance or can I leave it out? I live in California and was required to report the accident to the DMV even though I was not at fault.

Classic car insurance from a 17 year old? less than a grand (VW Beetle)?

Hi all, Im 17 a VW enthusiast and just passed my driving test. I'm not saying im going to be any different to the statistics but im not a racer at all, lack of experience is still an issue though Guys preimiems are double girls and yet i think its possible to get insurance ive heard of people who have just wonder from which company? Im after insurance for a VW type 1 1300 beetle or a VW split screen camper for a 17 year old. As anyone who has tried getting a quote for a 17 year old boy its going to be 800 for cheap 1L car, 900 for a 1.25L Fiesta or 1,400 for a 1.4L Zetec. So im after insurance for less than 1000 has anyone manged it for a classic car? and where? The RAC quoted 1,100 and then went to ask about it and then they refused had several quote for a 1.6L beetle (due to age and slowness) of 1,400 but would like under a 1000""

Should we require people to wear Motorcycle Helmets?

Should we require people to wear Motorcycle Helmets?

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