Showing posts with label Finance. Show all posts
Showing posts with label Finance. Show all posts

Friday, July 31, 2026

Tradition, Superstition, or a big waste of time...?

Today was my 細舅父's memorial.  The event was intimate.  Quaint.  Special.  常言道:外甥多似舅.  Not sure if it applied in this situation.  In my entire waking life, I may have spoken no more than 50 words with him.  Usual high-bye.  New Years and holiday greetings.  Probably the most we've conversed was at Amy's wedding.  At that point... his larynx was so damaged I can barely hear him.  Regardless... he's still one of my closest relative.  In the ranking family members... 見舅如見娘.  You don't much closer than that.  And it is on this day... that I found myself in the weirdest of weirds.  Trapped in a vortex of tradition... superstition... taboo... or a downright waste of time. 

In Chinese Memorials... or any memorials... it's tradition that the family will hand out 利是 as a token of appreciation for attending or as a means of gratitude for condolences.  But... but.... BUUUUUUUT.... you must... must.... MUUUUSSSSSTTTT spend that money and not pocket the money.  Go buy some candy.  A drink.  Donate it if you have to.  Never bring it home with you.  Otherwise you'll have a streak of bad luck. You'll be cursed.  Fire and brimstone will rain down on you... without an umbrella!!

All these years... after all the funerals and memorials I've been to.... I've held a steadfast grip on that tradition.  Look... I'm a God-loving, Christ-following man.  Do I really believe in these 文間小見??  Well... let's see.  

I collected a total of $101.25 altogether.  Now I was on a mission to spend it.  Boy was I giddy!!!  I was goin to town!!!

My first stop,,. Arsicault Bakery on Arguello.  There's usually a line around the block.  First thing I ask, "Do you take cash???" Can't assume.  Not these days.  For sure I can spend a bunch of cash there.  Nope!!  I bought like 3 things... and even a fat, fat tip... I barely scratched the surface.  

So I headed back to the Speciality Coffee shop.  "Do you take cash???"  Then I ordered a jaw-dropping $7 cup of coffee and a $12 piece of cake.  Never in my right mind would I ever spend $2 for cake... let alone $12.  But here's where the problem starts.... the total came out to $21.90 and I only had $20's and a $1.  I'm out of practice.... I haven't spent cash in so long.  I could've given the cashier an extra $1, to get $0.10 back. But for whatever reason, I gave him a $20 and went into my wallet to fish out a $5.  Why??? I have no clue.  Now I got a bunch of change and didn't know what to do with it.  My mind was a mess. So I tipped the rest.  Only now... I didn't just spend the 利是錢, I'm dipping into my own money.  Ugh....

Ok... whatever.  The Lady M cake is good.  Coffee is above average.  Not worth $20.  But I still have money to spend.  So off I go to Pineapple King.  This place was a lot easier to deal with.  "Do you take cash???" After a quick exchange... I still had about $40 in my pocket. 

Next stop... was at Target.  I orignally wanted to get a grill brush, but they were out.  So I ended up getting two drinks and two containers of breathmints.  The total came out to like $13.12.  I popped the guy a $20.  He asked if I had $0.12.... he didn't want to make change.  I said I didn't.  (But I did!!! I forgot about my quarter!!!)  So he started fumbling around to make up the $0.88.  I was losing patience.  I kept thinking... "What's the quickest way to end this transaction???"  For some reason, on the cash register, I saw the number $3.72.  So I just rounded down and said, "Just gimme $3."  The cashier said, "That's it???" I said, sounding annoyed, "Yeah."  He said, "Ok."  Handed me $3... and I stormed out.  As I was walking out... I started to do mental math.  Wait a minute... I should be getting at least $6 back..... why did I round it to $3?????  But it was too embarrassing to turn back...

All in all... I had $8 left in cash.  Went to downtown Mt. View to pick NN up and I was early.  So I slipped into a boba place to get a Thai Milk Tea.  Nowadays a Thai Tea runs you $8-10.  I was pretty confident I can spend the rest of the cash and be rid of this baggage... this load.  But the cashier rung me up and said, "$5.50."  I said, "WHAT?!?! That's it?!?!?!"  She looked at me like I had two heads and 8 eyes.  I wistfully handed her $6.... got $0.50 change back.  And with along with the remaining dollar bills... it all went into her tip jar.  Like trash day... I just wanted to get rid of everything.

Sigh..... done.... all the cash.... spent.  Took a lot of work and now I have a car full of pastries, pineapple buns, soda, and candy.  What a healthy way of life.  Ohhhhh... but it gets better.

After dinner.... I suddenly remembered... there was a smaller red envelope with the $0.25.  Why a quarter... I don't know.  What I know is, it's resting in my blazer pocket.  I gotta go spend it... or toss it... or do something with it.   It can't stay in the house.  As I was searching for that quarter... I asked Joyce if she spent her 利是錢.  She pitifully chuckles at me and says, "No, not yet."  And marches upstairs to get it and said, "Go.  Go to Safeway or Trader Joe's."  And that was it.

I drove to Safeway with $21.50 in my pocket.... thinking I can get some fruit, cuz we're out of oranges.  And maybe some healthy snacks.  As I'm climbing up and down the aisles... I'm calculating and counting.  Don't want to spend too little... gotta use up the funds.  But don't want to spend too much... cuz I'll be using my own money!!! Must've walked around the store 3 times... and I finally found the right combo.  I got to the cashier... got my digital coupons... punched in telelphone number... got my member rewards.... and boom... $23 and change!!! BOOM!!! I did it!!!  Haha!!! I pulled out my phone and apple paid it and was about to leave when.... "Oh no!!"  I literally said it out loud, "Oh no!!!!"  The cashier looked at me, concerned.  I closed my eyes in disappointment.  Looked to my left and saw a long line.  "Nevermind... it's ok."  All that work... of counting and calculating... of shopping for things we don't need.  And I ended up... NOT using the cash!!!!!!  That $21.50... was still sitting in my pocket!!!! That was the whole point.  Use up the cash!!!!  

So what do I do??? Return everything and buy it again with cash????  That'll look so stupid.  Ended up rolling everything to the car... loaded it into the trunk and walked back into Safeway with my tail between my legs.  What am I doing???? In this desperate attempt to keep Tradition... to ward off Superstition.... I now have to go back and buy even more junk that we don't need!!!

What a big..... waste.... of time...... 

Monday, March 15, 2021

Strict

COVID19 - School Closure - Day 157  School Reopens - Day 186

"Bah-B... you're kind of strict."

"Really? How...?"

"You don't let us watch TV.  I didn't even know who Elon Musk was."

"Ohhhh.... that's not strict.  I'm just cheap." 

Haiku
What's on TV now?
That they don't show on Hulu
Aside from live sports

Friday, May 22, 2020

How cheap art thou....

COVID-19 - School Closure - Day 66

SW was in tears today... when he casually told us his two best friends were playing Minecraft.  Then he said, "I won't play.  It costs money."  The boy already knows Bah B and Mah mee won't buy it. Turns out...his friends have outgrown Brawl Stars and moved onto the next fad already.

NN was also in tears when she said all her friends are talking about setting up Hangouts on their private emails.  I said.. but you can keep your school email until August.  "Yeah... until August!! But then it'll be turned off!!"  She was irritated... and a bit hurt.  Probably, more so, embarrassed to have two cheap-@$$ parents.

Why are we so cheap??? Why???  
Minecraft is just $7 on the App Store.  
We already set up Google accounts for them... but we're holding back. Why??? Why can't we let loose... and be the cool parents? Or maybe... for once... NOT be the uncool parents. 

Looking back... whenever the kids (more so SW) wanted sports equipment, I'd jump on the bit.  Basketball.  Tennis. Fishing. Bike. Baseball gloves. I wouldn't hesitate to rush to Target or Dick's.  

Being cheap is one thing... but at what expense??? My kids' happiness??? Is it worth it??? 

Friday, February 09, 2018

F.I.R.E.

FIRE - Financial Independence Retire Early

Here's a Rule of Thumb I just learned.  Nothing earth shattering or ground breaking -- the "25x Rule."

Take your annual spendings (food, gas, mortgage, insurance, etc...) and x 25.  That's how much money you need to retire.

If I spend $10k a month. 
That means I spend $120k a year. 
$120k x 25 = $3M.

Friday, September 22, 2017

Money in your Pockets - Pt 3 (Penny Wise Dollar Foolish)


A new series on this blog called "Money in your Pockets" where I give financial advice.  Not because I'm qualified, nor I'm an expert, nor am I correct in my assumptions. Just random thoughts I heard people share or ideas I came up with...

About 4 years ago... we bought NN a bed which we thought would last her until she moves out for college.  We searched high and low... and found a deal that fit our wallets.  She has 10 years before leaving for college... and we've just forked over another several hundred bucks for a mattress.  This time, we paid for the premium.
When it comes to things like beds, sofas, fridge.... spend a little more, and get a little more.  Otherwise, you'll be spending a whole lot more to get a whole lot less.  



Friday, September 08, 2017

Money in your Pockets - Part II (Free is not always good)

A new series on this blog called "Money in your Pockets" where I give financial advice.  Not because I'm qualified, nor I'm an expert, nor am I correct in my assumptions. Just random thoughts I heard people share or ideas I came up with...

The best things in life are free... except when it costs something.
A particular wholesale warehouse has a very good service where they offer lifetime warranty on tires... but only if you schedule periodic rotation and balance.  The service is free... which is great!! Except... I've been sitting here at the warehouse for the past two hours.  Why?? Cuz the service is not just free for me... but free for all other members.  Pay the $25 and get it done in 10 minutes at a local tire shop.  

Sunday, August 13, 2017

Money in your Pockets - Pt 1

A new series on this blog called "Money in your Pockets" where I give financial advice.  Not because I'm qualified, nor I'm an expert, nor am I correct in my assumptions. Just random thoughts I heard people share or ideas I came up with...


Some people say the best way to save money is to skip that daily Starbucks guilty pleasure.  Seriously???? $5/day ($25 a week / $100 a month / $500 $1200 a year) won't save you jack!  So if you feel like ordering a Venti Iced Skinny Hazelnut Macchiato, Sugar-Free Syrup, Extra Shot, Light Ice, No Whip...with a drizzle of caramel then you're entitled to it!