Tisn't the Season to be in Debt

Hi all! With the holidays fast approaching, we run the risk of trying to purchase well above our means. That means we feel pressured and compelled to make credit card purchases for most of our gifts. While this seems like a quick and easy solution, credit card debt can definitely become overwhelming once the novelty has warn off. Now don't get me wrong, credit cards aren't inherently bad. They can even help you build up a credit score, but there are plenty of opportunities for pitfalls and misdirection when it comes to credit card usage. I will be discussing some lesser known credit card myths and do my best to debunk them.

Myth 1:

• Using a credit card for all purchases will increase a credit score

This is a huge myth because while yes credit cards can help you credit score, they can also hurt it. If you are wracking up high rates of spending, and only paying the minimum, you risk your credit score dropping.  Essentially, you are spending more than you can pay.

Myth 2:

• Applying for multiple lines of credit at one time won’t hurt my score

Unfortunately, this hurts your score because for every line of credit you open, your average account age lowers. As a result, your score may potentially take a dive. It also makes you look like a risky borrower, if all the lines are new.

Myth 3:

• Closing the account with the highest credit allowance/limit is better for your score than closing a lower limit account

 The main issue with this is that say you have four accounts: Three accounts are a limit of $500 each and one of the accounts is a $1000 limit. If you maxed out the three cards at the $500 limit, but have paid off the $1000 card and closed it. Before, it looked like you owed $1500 out of $2500, which isn't very good, but compared to owing $1500 out of $1500, it wouldn't have hurt your credit score as bad. When in doubt, look at the amounts owed on all cards collectively before considering closing out a high limit card.

Myth 4:

• Closing the oldest account can help my credit score

The primary issue with closing out the oldest account is that it makes your credit history look shorter by lowering your account age.

Myth 5:

• Tossing out old cards will make your account disappear

This is a big myth in the sense that unless you actively work to close your own accounts, they will not close on their own. Be sure to pay off your balances, call the customer service department, and insist that they close your account. Typically, upon closing an account, you'll receive letter confirmation about the account closing within a week or so. If you don't get that confirmation, be sure to call the customer service line again.

Lastly, remember to monitor your accounts in order to notice and address unexpected or authorized activity that could seriously hurt your credit report. When it comes to disputing errors that appear on your credit report, always address discrepancies immediately to avoid lasting damage.

I hope that my debunking of myths was useful to you, and be sure to check out the following guide to learn more about how a poor credit score can affect your financial health!

Let me know in the comments below what tips you have for people using credit during the holidays.


Till Next Time!

-Hachi

Great Things can Come in Small Sizes: Ontario California Comic Expo Review

Hi all! Happy first week of Fall!🍂 Fall/Autumn has got to be my favorite season of all. The weather cools, but isn't unbearably cold, the leaves come off the trees and I get to hear the crunch of them as I walk down the sidewalk, and I have even more cosplay/convention opportunities than I do during the summer.

Today's blog is actually about the most recent con that I went to, Ontario California Comic Expo. At this con, I was given the honor of being a cosplay guest, a panelist, and an artist alley vendor. While I have been on various panels in the past, the other titles were new to me. The convention was Saturday, September 23rd, and Sunday, September 24th from 10:00 am - 6:00 pm. This was the very first year for OCCE, and they had a great turn out. The con was affordable, easily accessible, and also had free parking. The location was the Ontario Airport Hotel and Convention Center, and it was the perfect size for the con's inaugural year.

The Con flyer - picture courtesy of OCCE.

Both my friend Crystal, and I had booths as cosplay guests where we were allowed to sell items. Crystal chose to sell artwork that she does, which she takes commissions for, along with cosplay prints. She also had some of her cosplay on display, such as her renaissance Harley Quinn & various masks.  I loved her display, very professional looking with great attention to detail.

My friend's booth - Photo credit by Crystal Rose Creations

My friend's booth - Photo credit by Crystal Rose Creations

On the other hand, my booth was much simpler.  I sold cosplay prints, gave out Dum Dum Pops (they're free of major allergens), and did a raffle. My raffle is actually still ongoing because I am trying to raise enough money to donate partial proceeds to the Children's Hospital of Orange County (CHOC) and the Children's Hospital, Los Angeles (CHLA). Once I figure out how to do PayPal entry fees, I will extend this raffle through Halloween. For the $5 raffle, the winner will receive an approx/ 54" x 60" Legend of Zelda blanket, and for the $1 raffle, the winner will receive a Legend of Zelda Bi-Fold Wallet. When I get that PayPal entry set up, the raffle will also be extended to my readers to enter. I am also taking commissions on both the blanket and the wallet.

I wasn't kidding when I said my booth was rather simple.

I cosplayed both days. Day one as Lucoa, but I forgot my horns, so that isn't pictured. On day two, I was both Bumblebee from the Teen Titans and Storm from X-Men. Also, I played a "cosplaying photographer" both days and went around the convention taking pictures of other cosplayers. I would like to share a couple pictures and the pages of the cosplayers pictured with you.

Me on Day Two as Bumblebee with my Sony Alpha a6000.

Here is cosplayer Adam Arroyo, known as Aadarthbane on Instagram, cosplaying as End Game Joker. He was a fun person to work with because he played the part of Mistah J very well and he was so kind. I would love to work with him again at a different convention.

Talk about some Bokehlicious bokeh. Photo by me on my photography ig page: Himawarisayscheese

Another cosplayer that I was able to work with is Stevie Belleperche, known as TheBoneBitch on Instagram. From one Harley Quinn cosplayer to another, she was such a great Harley Quinn. Her posing is top notch and she has such a photogenic aura about her. I would love to work with her again.  

See, the camera loves her! Photo by me.

At OCCE, the attendees, vendors, and guests were welcomed with cheerful staff volunteers. I mean, these staff volunteers looked like they loved what they do and that can greatly affect an outcome of how a convention will turn out. The wonderful staff that often passed out snacks and bottled water to the vendors and guests, while maintaining constant interaction with the attendees were a delight. I have honestly never seen such amazing hospitality by the staff at any convention I've been to like how I experienced here. This is coming from someone who goes to an average of ten conventions yearly. The pre-purchased badge attendees,vendors, and guest were given a high quality badge, that looked like a lot of work went into it. There were decent sized panels, and I was graciously offered to also be a panelist on a panel about the ins and out of cosplay for beginners. While this con might have been small, it generated nice sized crowds and was a decent price at $15/ day & $25/weekend. My favorite thing about this con was the staff, to be honest. They just made the whole con experience amazing. They were always checking on us guests to make sure that we were alright, and if we had to leave our booths, someone would come and stand-in for us. Safety was also their number one priority. So, if anyone had a problem with someone at the con hassling them, they would have their security escort them from the premises. I am so very glad that I was able to be a guest at this convention, and hope to return to other cons ran by this staff again.





Have any of you ever attended a brand new convention? What was your experience like? Let me know in the comments below. Also, on October 7th, I'll be at Grave Harvest, the Halloween con in Fullerton. It's going to be at the Hotel Fullerton, which has free parking as well. Grave Harvest is $10, online only as no tickets will be at the door. So if you love Halloween, I recommend checking this con out as well.

Till Next Time!

-Hachi

Vancouver or Bust: A hypothetical, yet Strategically Planned Vacation

Hi all! I know summer is nearing its end, but that doesn't mean that planning out an ultimate vacation has to! Can you imagine if you had a budget of $10,000 to plan your dream trip? Think of all you could do and where you could go with that kind of money. While that seems like a lot compared to the lesser amount that I usually spend on a five day vacation or trip to a research conference, I decided that this will be a challenge accepted, courtesy of Earnest!

I decided I would base my hypothetical vacation off of a real trip that I have planned out for November. In November, I'll be flying to Vancouver, BC for a research conference. I might have mentioned in a previous blog that I do Psycho-linguistic research and enjoy presenting my research at conferences when I can. Anyhoo, let me see if I can make an itinerary that can get my to that $10,000 budget, or close to it. I feel like with the excessive amount of thriftiness in me, the princess of bargain hunting, I won't make it anywhere near that budget. If I am lucky, I will get to $5,000 with some cheating😉, but I feel it is worth a try.

Well the first decision I would make would be whether to fly or take the train. Flying would be the faster option, but if I have a good amount of free time before hand, I would also consider taking the train. Everything else follows after I decide how to get to Vancouver.

To and From Transportation:

Flight -

Date: During the middle of the second week of November 2017

Price: $267 round trip from SNA (John Wayne Airport - Santa Ana) to YVR (Vancouver).
This particular flight is also the fastest way to Vancouver from Orange County. However, the flight happens to have multiple connections as seen with cheap flights. In order to avoid connections, LAX is the closest option. I don't personally mind connecting flights as it gives me a chance to stretch my legs, so I will keep it for this hypothetical itinerary.


Train -

Date: During the end of the first week of November 2017

Price: Utilizing my AAA discount, I would have to take the train straight out of Los Angeles to Vancouver, BC, as no connecting train from anywhere in Orange County to LA Union Station would work for this particular mode of travel. The stressful part about this train is that it only leaves two times per day, 10:10 am and 3:10 pm and it is reserved travel. So if you miss your train, you might risk paying extra to catch another one. The cheapest train is $112 one way for a coach seat, but since I have "money" to spend, I would go for the sleeper car. My train riding goal is to go on a long trip in a sleeping car, but they are expensive that I haven't been lucky enough to do so yet. That sleeping car will set me back $361 one way. Taking the train requires a 34 hour one way ride too, so this is only useful if I had free time to leave earlier and return later.

Transportation During Stay:


Walking:

Vancouver is considered to be Canada's most walk-able city with a score of one, so I would probably just walk everywhere like I mostly do in San Francisco.


Housing:

Hotel:

Fairmount Waterfront Hotel

If I am really going "all out", I would have to pick this hotel because it boasts amazing views of the city and the harbor. It is also only $189 CAD/ $151 USD per night. This is actually far cheaper than any of the hotels I have stayed at during any of the research conferences. Based off of a five night stay, this would be $945 CAD +tax/ $755 USD +tax.


Activities:


The most exciting part of this hypothetical itinerary, because there is actually one thing I am definitely doing in real life while in Vancouver.

Conventions:

Fan Expo Vancouver: I was extremely excited when I learned that my research conference and this comic/pop culture convention were in the same location during essentially the same time. While, I am only intending to go one day in real life, for the sake of hypothetically spending money, I will go all three days and get the deluxe package. The price of this would be:$229 CAD/$183 USD. Now, if I was able to purchase comic books that I need to add to my collection, this price would jump up about $500-$1000 extra.

Other Activities:
Realistically, I would probably do primarily free events and activities like I do during most of my vacations. However, since I HAVE to spend money, I would go on to Vancouver's primer tourism website and sample from paid activities that pique my interests. My estimate is that I could try to spend about $1000 on activities in 5 days (that's if I picked mostly expensive activities and did them multiple times)

Food:

I have a funny feeling that my largest expense would be food, and that I would be able to eat somewhat extravagantly. I would push for trying the priciest meals on the menu at swanky restaurants and hope that can get me to spend at least $100-200 per meal . So if I ate 3 meals per day, that's $300-$600 per day, just by eating. That's another $1,500-$3,000 down the drain.

Stock photo of Vancouver from Patrick King

That's all for now, my friends! I knew I would fail this miserably, being as thrifty as I am, but it was still a fun thing to plan out. Ultimately, by train with sleeper car, the most I would have spent: $6,495 and by plane, the most I would have spent: $3,505. If you’re interested in planning a similar trip, budgeting and travel research is the way to go. It is definitely possible to make due on less if you have good money management skills. Let me know in the comments below where you would go and three main things you would do on vacation with $10,000. Hopefully, you guys are better at this than I am. 😅



Till Next Time!

-Hachi

Time Travelling Letters

Hi all! Today's blog is a little bit different. I am teaming up with Earnest, which is a S.F. based tech-enabled student loan refinancing company, to reminisce about my college days in the form of a letter to my past self. It was almost 10 years ago since I was a freshman at UC Riverside, and now, in just 10 days, I will be participating in the hooding ceremony for my master's degree from Cal State Fullerton. I am both excited and nervous because I did not get the opportunity to walk with my friends for my undergraduate graduation. As a result, I did not participate in it. This time around, I get to walk with some amazing people from my graduate cohort. Anyway, I hope you enjoy my letter!

Dear 18 year old Dawn,

Hi there! Would you believe that you are almost 28 years old now?! Time sure flies! I cannot begin to tell you about all the interesting people you will meet and things you will do with your life. You will have many fun experiences in college, some of which will dictate how you live out your life until this very day.

You were never much of a party animal, but as soon as you turned 21, kickbacks with friends became a weekly thing. You would invite everyone over to your apartment to play Super Smash Brothers Brawl and drink blended margaritas. You really thought you were a good bartender/hostess those days. You went on road trips to Laguna Beach, Long Beach, Los Angeles, and many other places. You saw Salvation Mountain with once close friends and visited their family.

Unfortunately, like many instances in your life, friends came and went, but you always cherished the good times despite that. Some of your friends you made in college, you still will spend time with.  Did you know that you took over two and a half years of Japanese classes as an undergraduate and grad student and picked it up pretty well? You also became a Conversation Partner and made many Japanese and Korean friends from this program as well that you still connect with. You're still as into anime and manga as always, and even got more into cosplay. Through this, you made life long friends that you meet up with at every convention. Also, can you believe that you have gone to FanimeCon over 12 years in a row, and that you would be volunteering for Comic-Con International going on 5 years now? I bet you didn't expect a hobby like that to extend throughout your young adult life.

You felt like you would be tired of school many times and that you would stop with just your bachelor's degree. Well believe it or not, you are now about to receive a M.A. in Linguistics with specialization in Disorders of Communication. Congrats to you! You persevered, changed majors once, stayed one extra year & a quarter, and still embrace the scientific/analytical side of your personality. You are a seasoned researcher that has both presented at and been invited to several different research conferences in many states and one country. You are a smart young lady! Never forget that! There were many challenging classes you'd take as an undergraduate and despite not having the ideal GPA, you still got into graduate school and thrived! You're in a prestigious international honor society and one of the top students of your graduating class of grad school. Be proud of all your accomplishments and all you have went through and will go through. You have the passion of a highlander with the strength of a titan and you will overcome all obstacles. Nothing can stand in your way.

With love,

27 year old Dawn

18 year old me vs present day me. Do I look that much different? Haha

I hope you guys like my letter to myself. This actually isn't the first time I have done this. If I remember correctly, one of my undergraduate classes had us do this as an assignment. It was either an English class or a Japanese class.  Have you guys ever written a letter to yourself? Let me know in the comments below. *Random factoid: Travelling is the British English spelling, while traveling is the American English spelling. I tend to write using both dialect styles.*

Till Next Time!

-Hachi