Monday, December 10, 2007

The Simple Dollar » Everything You Ever Really Needed to Know About Personal Finance on the Back of Five Business Cards

This guy covers just amount everything I have ever told anyone about "common sense" financial management. It only takes 5 business cards, and does not require joining the cult of Suze Orman (girlfriend, all your problems are your husband's fault, get a divorce, I hate men)

The Simple Dollar » Everything You Ever Really Needed to Know About Personal Finance on the Back of Five Business Cards

Gore Gets Nobel, Warns of Ominous Threat

The primary cause of global warming is the hot air coming out of his mouth whenever he talks. Can we get the King of Spain to tell him to shut up, like he told Venezuela's President Hugo Chavez. I will die of "Gore Boredom" long before "Global Warming"

Wired News: Gore Gets Nobel, Warns of Ominous Threat

Media: The World's Tallest Building Has a Hell of a View

Media: The World's Tallest Building Has a Hell of a View

Saturday, December 08, 2007

Awesome 3br/1bath home ?

When realtors start calling homes awesome, we are in deep trouble.

Let's see, located almost under 125 free way overpass
Price Reduced: 08/16/2007 from $420,000-$440,000 to $395,000-$415,000
then a bunch of other silly ups and downs, now:
Price Reduced: 12/08/2007 from $339,000 to $315,000

Yeah, awesome as in "inspiring awe or admiration or wonder"
Like, I totally wonder who is going to buy this rad crib, dude ? > 3410 Trophy Dr - MLS# 078061367

Check out the Zillow Bird's Eye View & Map
Just waiting for a car to drive off the overpass through your roof !

Google Shared Items

Check out shared items, below ugly picture and favorite links.
I read a lots of RSS feeds via Google Reader and share them here.
I can not blog on everything I read, I need time to watch TV, too !

Best and Worst List

5.75% CD at Countrywide Financial
Who cares about all the drama, they are FDIC insured

6.00% CD at Pentagon Federal Credit Union
Easy to join, great rates, nice people, etc..

6.00% CD at Northwest Federal Credit Union
Got in by joining "National Wildlife Federation",
before they clarified it was for employees only.


Bank of America
I should have stopped at the $100 bonus for checking, but NO I put $25k in to get 30 free trades per month at Banc of America Investment Services (clears through Fidelity) I put money into Defenders of Wildlife affinty account for a high rate (5.75%) which plummets a few weeks later, so I opened a AAA affinity account which plummets in a few weeks. Eventually I settle for a 5.10% CD until February, when I am sure rate will plummet again.

Getting banking info on the phone is a nightmare, between getting transferred, dropped, or hung up on, it is just not worth the hassle. The brokerage side is perfect, but what else would you expect from Fidelity !! The bank side aggravation make the free trades too expensive, I'd rather pay E*Trade or Fidelity commmisons than deal with Bof A !!!!!

KeyBank Direct

Ok, the rates are nice but ...

Add an transfer account online, locks account, they have to call for verification. They never call, so you have to call them. After three occurances, I ask them what phone number they are trying to call - they have area code 935 instead of 619. 935 was proposed for eastern San Diego in 2000 and never implemented.

After months of having no problem logging into my account, I can no longer get in. Attempts to reset or verify online never work, so I have to call and go through the entire interrogation. The name, address, SSI, etc. is fine, but they want detailed transaction information from my account. I'm sorry but I do not have access to my account, which is why I am calling, so how can I give it you ? DUH !

After third time, I wrote a big check on the account, then call to close. It took about 15 minutes to complete the process of getting my remaining $10.59 back - not worth it !


No links to BofA or Key, I would not want you to go there.

Almost Year End Review

Getting close to the end of the year and starting to see how I did.

Signup Bonuses were less than last year
$250 Chase, $100 BofA, and $100 from Citi = $450

Credit card rebates were OK
About $150 from Citi, $70 from Discover, $20 from AMEX = $240

Best credit card move this year was Balance Transfers.
The 0%APY deals all got put into 5.0% savings accounts.
Quick math tells me I made about $2500 on their money - sweet !

I did not buy a lot of stuff this year, but I got a few rebates checks (maybe $50),
$40 off my 24" Acer montior using AAA 10% off, maybe $25 from, etc.. Nothing to get too excited about.

Continue to get lots of magazine for low-to-no cost. Freebies like Road & Track,
Car & Driver, PC Mag, PC World, and Sound & Vision. Get Business Week, U.S. News &
World Report, and Computer Shopper free electronically through Zinio.

ARM Bailout Unfair to Responsible Borrowers - Seeking Alpha

ARM Bailout Unfair to Responsible Borrowers - Seeking Alpha

Financial Cycles

I think we have just passed the denial stage in real estate and are into fear.
Probably means we are almost halfway though the crash ??

sentiment_cycles.jpg (JPEG Image, 640x439 pixels)

Thursday, December 06, 2007

Bubble Markets Inventory Tracking: More Financial Malpractice from the Union Tribune

Buy a 20 year old condo for $440,000 near the top with an interest only loan.

What could possibly go wrong ?

“We understood the situation with loan adjustments to be that after our first three years, our low rate would increase to the rate that everyone else is buying at right now,” said Suzanne, 38. “We didn't realize that we would see an increase of our monthly mortgage payments by several hundred dollars or that we'd now be facing this uphill interest rate climb that we're not going to be able to afford.”

Yeah, that's it !
I signed a contract for an ARM and did not realize it might adjust upwards and my payments would go up.

Bubble Markets Inventory Tracking: More Financial Malpractice from the Union Tribune

Original Union Tribune Article

October Foreclosure Data

Looks like foreclosures are rapidly turning into REOs
Banks are going to have a huge inventory of homes by Spring 2008

October Foreclosure Data | Piggington's Econo-Almanac | Southern California Housing Bubble News and Analysis

Botom Falling Out of Low End of Real Estate Market

September Case-Shiller Numbers | Piggington's Econo-Almanac | Southern California Housing Bubble News and Analysis

Friday, November 30, 2007

Young Buyers Shun Domestic Cars

With Jill Wagner in the ads, I did not even notice the Mercury.
Likewise, Kate Walsh in the Cadillac ads really distracts from the car.

Young Buyers Shun Domestic Cars.

Saturday, November 03, 2007

Wednesday, October 31, 2007

Bank Short Sale - $695,000 > 925 Chase Ave - MLS# 076084996

This home sold for $ 1,060,000 on 02/21/2007
Reduced $365,000 in about 8 months ????
Something looks wrong here

Tuesday, October 30, 2007

Discover Card: Receipts Rewards

Discover Card: Turn Receipts into Rewards

Not a bad deal, if you were going to buy something anyway. For example, if you planned to buy something at Office Depot or Best Buy, you might as well do it at Parkway Plaza on your Discover Card rather than at a standalone store on another credit card.

Saturday, October 13, 2007

Serramar La Mesa

They built a bunch of homes on one of the last big pieces of land with nice views left in La Mesa, and paid for it.   If the $264 monthly HOA fees were not enough pain, how about trying to sell it ? > 7760 Highwood Ave - MLS# 076009343

Price Reduced: 10/12/2007 from $750,000 to $735,000
Price Reduced: 09/25/2007 from $759,900 to $750,000
Price Reduced: 09/19/2007 from $789,900 to $759,900
Price Reduced: 09/11/2007 from $850,000 to $789,900
Price Reduced: 07/28/2007 from $932,000 to $850,000
Price Reduced: 05/19/2007 from $950,000 to $932,000
Price Reduced: 03/03/2007 from $1,100,000-$1,200,000 to $950,000-$950,000

Hoped to get as much as $1.2M, willing to settle for $735,000.
Probably about what they paid developer for it back in 2005 ???

Monday, September 24, 2007

Google Reader

I had been using Flock to read newsfeeds, but had problems with it. I am now using Google Reader and it is working great.

One nice feature is sharing interesting items in this blog. These items are on bottom right as "goldsheet's shared items" Anything that makes things easier appeals to me !

Monday, September 17, 2007

No Reason to Jump Into Housing Crash Too Soon

Nothing like jumping on an 8% discount, then see folks get a 19% discount, then see homes go for 31% below first phase buyers. As usual, instead of accepting responsibility, lash out at others on Internet.

Bubble Markets Inventory Tracking: Angry Knife Catcher

Blogged with Flock

Saturday, September 08, 2007

Yahoo! Launchcast

I am a big fan of cheap high quailty streaming music, so Launchcast works for me. Surprised to find I have rated over 12,000 artisits, albums, and songs. Guess I listen to a lot of music: goldsheet's Station

Blogged with Flock

I Like Steak

How to Turn Cheap “Choice” Steaks into Gucci “Prime” Steaks | Jaden's Steamy Kitchen

Doing BBQ does not mean slapping sauce everywhere. A nice dry rub of seasonings a few hours ahead does the trick. This article has a good explanation why, with illustrations for the cavemen.

Blogged with Flock

Up to 5.71% Money Market Savings Account at Bank of America

Bank Deals - Best Rates and Deals: 5.71% Money Market Savings Account at Bank of America

Looks like one can get some pretty decent rates at BofA, if you know where to look !

At $2500 it pays 5.22% APR / 5.36% APY
and over $50,000 it pays 5.57%A PR / 5.71% APY

Another interesting feature at Bank of America is 30 free stock trades per month at their brokerage division, if you have at least $25,000 in all of your Bank of America accounts. 30 Trades

Blogged with Flock


Have not updated my blog in about a week.  just busy with the normal stuff until Thursday morning when my computer died.  

Nothing like a bad hard drive in a RAID 0 system, which means I had to start over from scratch.  It was not too bad removing RAID, formatting the remaining drive, and reinstalling Windows.  The Dell website was not too helpful, but the video drivers from the NVidia site and Soundblaster drivers from the Creative site seem to work great.   It took lots of time reinstalling all of my programs, then getting all the data back (yes, I had a backup of everything) 

Nothing like feeling you lost an entire day of your life.

Blogged with Flock

Wednesday, August 29, 2007


Check out this video: My first iPhone Bill!

I think just about everyone has seen this video, although it was overshadowed by the guy who unlocked his iPhone.

Anyway, lifecasting is something I would not do, but she broadcasts everything she does here

So how creepy is it watching a 23 year old from Pittsburgh ?

(rhetorical question, comments not required)

Do Not Take Your Own Photos

If you want to sell your house, do not put photos on Zillow like this

Price History is not pretty either:
Price Reduced: 08/11/2007 from $449,900 to $400,000
Price Reduced: 06/29/2007 from $499,900 to $449,900
Price Reduced: 05/22/2007 from $525,000 to $499,900
Price Reduced: 05/09/2007 from $550,000 to $525,000

Better photos can be found here
What Will Fix the Mortgage Mess?

Too many proposals are impractical, or worse. Is there anything that can cushion the economy from the hit of the subprime crisis?

Bob says: I have NO sympathy for folks who did whatever it takes to get into the real estate market near the top with a zero down ARM. You take your chances and if you screw it up, you lose.

Tax Payers Against a Mortgage Bailout Petition

High Rate Short Term CD Opportunity

5.75% 4-Month Indymac Bank Internet CD Special

Indymac Bank is now offering an internet special 5.75% APY yield on a 4-month CD.

The minimum deposit is $5,000.

10-12% Coupon for Best Best Buy
August 29th to September 5th
Instore Only


Helmsley leaves $12 million for her dog (Reuters)

Real estate baroness Leona Helmsley appears for court to fight a former hotel manager's charges that she discriminates against homosexuals in New York on January 21, 2003. Helmsley left $12 million in her will for her dog Trouble but cut out two of her four grandchildren entirely. (Chip East/Reuters)Reuters - Real estate billionaire Leona Helmsley left $12 million in her will for her dog Trouble but cut out two of her four grandchildren entirely.

You know why rich people are rich? Because they shop around.

Housing crisis keeps buyers on sidelines (Reuters)

Chanette Duplessis poses in her house in Los Angeles August 28, 2007. Duplessis, a 53-year-old publicist in the entertainment industry, has been paying $2,600 a month in rent since she sold her last home in the Los Angeles-area city of Inglewood a year and a half ago. (Mario Anzuoni/Reuters)Reuters - For some prospective home buyers in Southern California, the effect of the U.S. mortgage crisis has been to keep them on the sidelines of the home market, wary of stepping in for fear prices will fall further.

Tuesday, August 28, 2007

FREE FULL CD DOWNLOADS from Wes of Porcupine Tree. Must have Myspace Acct.

HERE is the direct link to John Wesleys MYSPACE acct. There are 6 free CD's to download. Enjoy!

Blogged with Flock

Relisted 3 bed 2 bath home $429,000 to $499,000

1237 Alpine Blvd_Alpine, CA 91901

Price Reduced: 08/22/2007 from $449,000-$499,000 to $429,000-$499,000
Price Reduced: 08/05/2007 from $499,000-$579,000 to $449,000-$499,000
Price Reduced: 07/17/2007 from $525,000-$589,000 to $499,000-$579,000
Price Increased: 06/13/2007 from $575,000 to $599,000
Price Reduced: 05/27/2007 from $580,000-$629,000 to $575,000-$599,000
Price Reduced: 04/28/2007 from $599,000-$639,000 to $580,000-$629,000

Let's see 599,000 to 429.000, down 28.4%

Housing Prices

Housing prices: Steepest drop in 20 years (AP)

Open house signs fill a corner in Altadena, Calif. on Sunday, Aug. 26, 2007. Sales of existing homes dropped for a fifth straight month in July, falling to the slowest pace in nearly five years, while home prices fell for a record 12th consecutive month. The National Association of Realtors reported Monday, Aug. 27, 2007 that sales of existing homes dipped by 0.2 percent last month.(AP Photo/Kim Johnson Flodin)AP - U.S. home prices fell 3.2 percent in the second quarter, the steepest rate of decline since Standard & Poor's began its nationwide housing index in 1987, the group said Tuesday.

Tuesday, June 19, 2007

Sunday, June 17, 2007

Probably the easiest $100 I ever will make (other than the Chase $250 CC bonus!)

$100 Bonus for opening Bank Of America Free Checking (For Credit Card Customers Only)

Rating: 17 Posted By: mjuszczak
Views: 7603 Replies: 76

You will receive your $100 credit to your new account within 50 days of opening your new personal checking account online. Limit one $100 incentive per household every 6 months. This is a special offer to Bank of America credit card customers and only valid only for new MyAccess Checking accounts. You must use the Offer Code CH100CTA and fund your account with the $25 minimum opening deposit requirement within 30 days in order to qualify for this offer. We may report the value of any premium to the IRS. Offer may be withdrawn or modified at any time without notice. The $100.00 credit can only be made to your new account. This new account must be still open at this time to receive your $100.00 credit.


Blogged with Flock

FREE - Always my favorite 4 letter word !

Rating: 40 Posted By: Seandems
Views: 5310 Replies: 46

Kashi Cereal is on sale this week at CVS for $1.99 (good sale price). There is a $2 printable coupon here for Kashi GoLean Crunch: Kashi Coupon. You can print the coupon 2x from each computer.

Blogged with Flock

Wednesday, March 21, 2007

As a result of participating in the Fat Wallet Treasury Bill discussion group over the past year I have put together some data at:

This page has historical data for 28/91/182 bills, charts, and quite a few links.

Hope you find it useful !