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<channel>
	<title>My 1st Million At 33 - yes, you can do it too</title>
	
	<link>http://www.1stMillionAt33.com</link>
	<description>A site to share my tips, tools, and humble thoughts on the journey to wealth</description>
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		<title>US dollar crisis in this decade</title>
		<link>http://www.1stMillionAt33.com/2010/03/us-dollar-crisis-in-this-decade/</link>
		<comments>http://www.1stMillionAt33.com/2010/03/us-dollar-crisis-in-this-decade/#comments</comments>
		<pubDate>Tue, 09 Mar 2010 17:16:03 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1319</guid>
		
			<content:encoded><![CDATA[As I have said well before the financial crisis hits back in 2006 on my blog, this game between the liars (housing speculators) and the cheaters (the bankers who totally expected to pass the AAA-rated toxic mortgage loans to Fannie Mae &#038; Freddie Mac &#038; other mortgage investors, but somehow got caught with a huge [...]]]></content:encoded>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why consumers are paying down credit card before mortgage</title>
		<link>http://www.1stMillionAt33.com/2010/03/why-consumers-are-paying-down-credit-card-before-mortgage/</link>
		<comments>http://www.1stMillionAt33.com/2010/03/why-consumers-are-paying-down-credit-card-before-mortgage/#comments</comments>
		<pubDate>Mon, 08 Mar 2010 16:00:09 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1313</guid>
		
			<content:encoded><![CDATA[Here is the article from Marketwatch.com, reporting consumer behavior is changing, putting credit card debt before mortgage.  Why would anybody put the priority of unsecured debt over debt that is secured by the home &#038; the roof over someone&#8217;s head?  It is puzzling to all the bankers and people who only crunch out [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/03/why-consumers-are-paying-down-credit-card-before-mortgage/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Housing bubbles everywhere</title>
		<link>http://www.1stMillionAt33.com/2010/03/housing-bubbles-everywhere/</link>
		<comments>http://www.1stMillionAt33.com/2010/03/housing-bubbles-everywhere/#comments</comments>
		<pubDate>Fri, 05 Mar 2010 13:30:22 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1310</guid>
		
			<content:encoded><![CDATA[I thought that what happened in US since 2007 (and in Japan back in 1990) would have taught people some lessons.  But human greed knows no bound.  Either they don&#8217;t read news, or they&#8217;re too greedy.  There are still booming undying bubbles in China, Taiwan, Canada, Australia.
It is apparent that most participants [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/03/housing-bubbles-everywhere/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>A buying strategy for the current housing market</title>
		<link>http://www.1stMillionAt33.com/2010/03/a-buying-strategy-for-the-current-housing-market/</link>
		<comments>http://www.1stMillionAt33.com/2010/03/a-buying-strategy-for-the-current-housing-market/#comments</comments>
		<pubDate>Mon, 01 Mar 2010 17:29:14 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1308</guid>
		
			<content:encoded><![CDATA[Very infrequently I come across some articles that are so well written that I feel obliged to recommend them to people.  And I found it at Irvine Housing Blog.  IrvineRenter, the owner of the blog has written a couple of excellent articles that should be must-read for every home buyer.
On &#8220;Valuation of Lots [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/03/a-buying-strategy-for-the-current-housing-market/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>“Golden” conversation with my friends &amp; relatives</title>
		<link>http://www.1stMillionAt33.com/2010/02/goldconversation-with-my-friends-relatives/</link>
		<comments>http://www.1stMillionAt33.com/2010/02/goldconversation-with-my-friends-relatives/#comments</comments>
		<pubDate>Sat, 20 Feb 2010 15:30:18 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1299</guid>
		
			<content:encoded><![CDATA[Because I haven&#8217;t been blogging often, some of my friends &#038; relatives have been going through the insider track via phoning me or emailing me directly.  I have been spending an extraordinary amount of time on watching over stocks and my own portfolio.  This year will be &#8220;the year&#8221; that I will either [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/02/goldconversation-with-my-friends-relatives/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>MACD on SPY</title>
		<link>http://www.1stMillionAt33.com/2010/02/macd_on_sp/</link>
		<comments>http://www.1stMillionAt33.com/2010/02/macd_on_sp/#comments</comments>
		<pubDate>Tue, 16 Feb 2010 16:53:45 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Market Pulses]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1290</guid>
		
			<content:encoded><![CDATA[Few technical indicators give a clear picture on the movement of stocks.  Unfortunately, all indicators are often too late by the time when the markets have made their initial move.  The more averaging the indicator does, the later it will give you a signal, but the signal becomes more reliable.  The vice [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/02/macd_on_sp/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Cat has 9 lives, and stocks may have its last</title>
		<link>http://www.1stMillionAt33.com/2010/02/cat-has-9-lives-and-stocks-may-have-its-last/</link>
		<comments>http://www.1stMillionAt33.com/2010/02/cat-has-9-lives-and-stocks-may-have-its-last/#comments</comments>
		<pubDate>Tue, 02 Feb 2010 16:23:54 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Market Pulses]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1288</guid>
		
			<content:encoded><![CDATA[In my projection, stock markets may make a lower high in about March timeframe.  My advice is to sell and get out.
Despite my general bearishness, I want to emphasize that this is NOT 1929 great depression, when deflation ruled the days.  In fact, at the next intermediate long of stock market probably 8 [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/02/cat-has-9-lives-and-stocks-may-have-its-last/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Corruption in Financial Institutions Goes Unpunished</title>
		<link>http://www.1stMillionAt33.com/2010/01/corruptions-in-financial-institutions-goes-unpunished/</link>
		<comments>http://www.1stMillionAt33.com/2010/01/corruptions-in-financial-institutions-goes-unpunished/#comments</comments>
		<pubDate>Mon, 18 Jan 2010 08:54:30 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1285</guid>
		
			<content:encoded><![CDATA[Here is an interesting article detailing on how the &#8220;club&#8221; of financial institutions may be profiting while all of us suffer.
When Enron and WorldCom debacle happened, the people who were responsible went to jail.  When financial &#038; mortgage (CDS, SIV, etc.) markets collapsed, NO ONE is even investigated.  We are talking about trillions [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/01/corruptions-in-financial-institutions-goes-unpunished/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Brief review on my net worth for 2009</title>
		<link>http://www.1stMillionAt33.com/2010/01/brief-review-on-my-net-worth-for-2009/</link>
		<comments>http://www.1stMillionAt33.com/2010/01/brief-review-on-my-net-worth-for-2009/#comments</comments>
		<pubDate>Mon, 11 Jan 2010 17:26:21 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1283</guid>
		
			<content:encoded><![CDATA[Year 2009 for me personally was an amazing comeback year, and totally beyond my wildest imagination.
I don&#8217;t know how many people out there can say this, but my net worth luckily almost recovered to the stock market peak of 2007.  Without counting the 35+% loss in my home valuation, I&#8217;m just a couple of [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/01/brief-review-on-my-net-worth-for-2009/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Some thoughts on 2010 stock markets</title>
		<link>http://www.1stMillionAt33.com/2010/01/2010-stock-markets/</link>
		<comments>http://www.1stMillionAt33.com/2010/01/2010-stock-markets/#comments</comments>
		<pubDate>Mon, 04 Jan 2010 17:18:59 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1278</guid>
		
			<content:encoded><![CDATA[As the new year begins, the stock market again continues the rally that doesn&#8217;t seem to ever end, enough to convince most participants that the bear market has ended, missing the &#8220;bargain&#8221; of the century back in March of 2009.  But all good things come to an end, especially the ones that are just [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/01/2010-stock-markets/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>Mish blog has been removed?!</title>
		<link>http://www.1stMillionAt33.com/2009/12/mish-blog-has-been-removed/</link>
		<comments>http://www.1stMillionAt33.com/2009/12/mish-blog-has-been-removed/#comments</comments>
		<pubDate>Mon, 21 Dec 2009 17:56:22 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1274</guid>
		
			<content:encoded><![CDATA[I&#8217;m trying to read one of my favorite blog by Mish at http://globaleconomicanalysis.blogspot.com, and I&#8217;m getting this message:

Sorry, the blog at globaleconomicanalysis.blogspot.com has been removed. This address is not available for new blogs.

I hope that there is some mistake on the part of eBlogger (belonged to Google), but my personal experience with Google Adsense was [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/12/mish-blog-has-been-removed/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Ironies yet to be: Bernanke on Time Magazine</title>
		<link>http://www.1stMillionAt33.com/2009/12/ironies-yet-to-be-bernanke-on-time-magazine/</link>
		<comments>http://www.1stMillionAt33.com/2009/12/ironies-yet-to-be-bernanke-on-time-magazine/#comments</comments>
		<pubDate>Thu, 17 Dec 2009 17:08:47 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Stock Market]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1272</guid>
		
			<content:encoded><![CDATA[Helicopter Bernanke has been chosen as the Person of the Year 2009.  That is just ridiculous in my personal opinion.
For someone along with Greenspan created the single biggest housing bubble (in size) in human history so far, bailing out all the guilty parties and mopping up all the mistakes with even greater mistakes through [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/12/ironies-yet-to-be-bernanke-on-time-magazine/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Gold going gangbuster</title>
		<link>http://www.1stMillionAt33.com/2009/12/gold-going-gangbuster/</link>
		<comments>http://www.1stMillionAt33.com/2009/12/gold-going-gangbuster/#comments</comments>
		<pubDate>Wed, 02 Dec 2009 15:27:44 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Gold/Silver]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1270</guid>
		
			<content:encoded><![CDATA[Gold just made a new high at $1217 today.  I believe that it can easily go to $1300, and possibly touching $1400 before pulling back.  BUT it can also easily fall back to $1080.
The bottomline is that I don&#8217;t know whether it will go up or go down tomorrow.  But nobody else [...]]]></content:encoded>
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		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Dubai induced panic in a low-volume sell-off</title>
		<link>http://www.1stMillionAt33.com/2009/11/dubai-induced-panic-in-a-low-volume-sell-off/</link>
		<comments>http://www.1stMillionAt33.com/2009/11/dubai-induced-panic-in-a-low-volume-sell-off/#comments</comments>
		<pubDate>Fri, 27 Nov 2009 15:22:57 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Market Pulses]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1268</guid>
		
			<content:encoded><![CDATA[The volume is extremely low today.  Anybody buying or selling out there needs to be very careful.  The market will not reveal its true direction until Monday.
I believe that if there is a pullback, it would be more healthy.  I still don&#8217;t see markets going down big time yet, despite my overall [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/11/dubai-induced-panic-in-a-low-volume-sell-off/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Thanksgiving doorbuster sale has begun</title>
		<link>http://www.1stMillionAt33.com/2009/11/thanksgiving-doorbuster-sale-has-begun/</link>
		<comments>http://www.1stMillionAt33.com/2009/11/thanksgiving-doorbuster-sale-has-begun/#comments</comments>
		<pubDate>Fri, 27 Nov 2009 09:35:26 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Frugal Ways]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1266</guid>
		
			<content:encoded><![CDATA[This is the first time that I&#8217;ve ever tried to &#8220;bust the door&#8221; for black Friday sale.  I went to Toys R us to get legos for my kids.  The sale started at midnight, and I was 30 minutes late since I was going through global stock market news due to Dubai debt [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/11/thanksgiving-doorbuster-sale-has-begun/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Review on the new gold ETF GDXJ &amp; GDX</title>
		<link>http://www.1stMillionAt33.com/2009/11/review-on-the-new-gold-etf-gdxj-gdx/</link>
		<comments>http://www.1stMillionAt33.com/2009/11/review-on-the-new-gold-etf-gdxj-gdx/#comments</comments>
		<pubDate>Fri, 13 Nov 2009 17:45:51 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Gold/Silver]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1246</guid>
		
			<content:encoded><![CDATA[GDXJ was debut this Wednesday.  Both GDX and GDXJ (the junior companies) are offered by Van Eck.
Here are the links to the company site for GDX and GDXJ.  The complete weighting of the components are listed below:




Fund Holdings of GDX as of 2009/11/12













Number



Holding



Ticker



Shares



Market Value



% of net assets





1



Barrick Gold Corp



ABX



18,718,639



$783,749,414.93 



14.49%





2



Goldcorp Inc



GG



14,249,524



$614,011,989.16 



11.36%





3



Newmont Mining [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/11/review-on-the-new-gold-etf-gdxj-gdx/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Missing Gold Bars at GLD ETF?</title>
		<link>http://www.1stMillionAt33.com/2009/10/missing-gold-bars-at-gld-etf/</link>
		<comments>http://www.1stMillionAt33.com/2009/10/missing-gold-bars-at-gld-etf/#comments</comments>
		<pubDate>Fri, 30 Oct 2009 16:22:18 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Gold/Silver]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/10/missing-gold-bars-at-gld-etf/</guid>
		
			<content:encoded><![CDATA[Rob Kirby has recently alerted people at financialsense.com for the possibility of missing gold bars at GLD.  Here is what he said:

 An alert reader I communicate with [who shall remain anonymous] has been documenting the length of the published GLD bar list:

on Friday, Sept. 25 – the list was 1,381 pages long
on Friday, [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/10/missing-gold-bars-at-gld-etf/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Time to change your auto insurance company?</title>
		<link>http://www.1stMillionAt33.com/2009/10/time-to-change-your-auto-insurance-company/</link>
		<comments>http://www.1stMillionAt33.com/2009/10/time-to-change-your-auto-insurance-company/#comments</comments>
		<pubDate>Sat, 17 Oct 2009 16:02:31 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Frugal Ways]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/10/time-to-change-your-auto-insurance-company/</guid>
		
			<content:encoded><![CDATA[I have noticed that Ameriprise, the auto insurance company thru Costco has been raising its price.  I just have recently changed to GEICO, because when calling their sales agent, he was willing to not only match the prices from Ameriprise, but also lower the price by a little bit more.
A solid proof again that [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/10/time-to-change-your-auto-insurance-company/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>Gold at new high in $US</title>
		<link>http://www.1stMillionAt33.com/2009/10/gold-at-new-high-in-us/</link>
		<comments>http://www.1stMillionAt33.com/2009/10/gold-at-new-high-in-us/#comments</comments>
		<pubDate>Tue, 06 Oct 2009 15:57:16 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Gold/Silver]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/10/gold-at-new-high-in-us/</guid>
		
			<content:encoded><![CDATA[Gold broke all time record in $US today.  It is a confirmation that the bull market is alive.
Some people could argue that this may be a double top.  That is definitely possible.  However, if gold does get up to more than $1100, then I think that argument is a little weak.  [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/10/gold-at-new-high-in-us/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Reality check of option ARM recast</title>
		<link>http://www.1stMillionAt33.com/2009/10/reality-check-of-option-arm-recast/</link>
		<comments>http://www.1stMillionAt33.com/2009/10/reality-check-of-option-arm-recast/#comments</comments>
		<pubDate>Mon, 05 Oct 2009 19:30:54 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/10/reality-check-of-option-arm-recast/</guid>
		
			<content:encoded><![CDATA[I have blogged about &#8220;different ways for a busted refinancing plan&#8221; back in 2006 at the height of housing market.  I argued that once the housing markets fall, most of the real estate &#8220;investors&#8221; will NOT be able to refinance out of their payment troubles.  It was very clear to me that a [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/10/reality-check-of-option-arm-recast/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<item>
		<title>Interesting inflation/deflation debate on financialsense.com</title>
		<link>http://www.1stMillionAt33.com/2009/09/interesting-inflationdeflation-debate-on-financialsensecom/</link>
		<comments>http://www.1stMillionAt33.com/2009/09/interesting-inflationdeflation-debate-on-financialsensecom/#comments</comments>
		<pubDate>Tue, 22 Sep 2009 06:36:40 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/09/interesting-inflationdeflation-debate-on-financialsensecom/</guid>
		
			<content:encoded><![CDATA[There is an interesting ongoing debate on inflation versus deflation at financialsense.com.  This week was a debate between Mish and Daniel Amerman.  Mish has been one of the most vocal deflationist before the stock market collapse, and he has nailed it correctly.  Getting the big picture correct on inflation/deflation is probably the [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/09/interesting-inflationdeflation-debate-on-financialsensecom/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
<enclosure url="http://www.netcastdaily.com/broadcast/fsn2009-0919-3a.mp3" length="23330698" type="audio/mpeg" />
		</item>
		<item>
		<title>Dow back to 10,000 in a week (or tomorrow)?</title>
		<link>http://www.1stMillionAt33.com/2009/09/dow-back-to-10000-in-a-week-or-tomorrow/</link>
		<comments>http://www.1stMillionAt33.com/2009/09/dow-back-to-10000-in-a-week-or-tomorrow/#comments</comments>
		<pubDate>Thu, 17 Sep 2009 06:55:40 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/09/dow-back-to-10000-in-a-week-or-tomorrow/</guid>
		
			<content:encoded><![CDATA[The strength in this market rally has been beyond amazing.  Now I&#8217;m fearing that all sectors are going to make a last parabolic hurray before taking a correction, with energy sector (especially natural gas) making a quick catch-up.
My net worth has been undergoing dramatic changes as market rallies further.  I have benefited greatly [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/09/dow-back-to-10000-in-a-week-or-tomorrow/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Is the market peaking, and time to sell gold?</title>
		<link>http://www.1stMillionAt33.com/2009/09/is-the-market-peaking-and-time-to-sell-gold/</link>
		<comments>http://www.1stMillionAt33.com/2009/09/is-the-market-peaking-and-time-to-sell-gold/#comments</comments>
		<pubDate>Fri, 11 Sep 2009 15:03:20 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/09/is-the-market-peaking-and-time-to-sell-gold/</guid>
		
			<content:encoded><![CDATA[Just some of my market observations.
1. Let&#8217;s start with the easier ones.  Time to sell gold?  NO WAY.  In fact, I will be buying more if there is a 50% pullback from any short-term high that is being established.  I didn&#8217;t buy more nor sell my positions.  My patience is [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/09/is-the-market-peaking-and-time-to-sell-gold/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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		<item>
		<title>HongKong demands its gold back from London</title>
		<link>http://www.1stMillionAt33.com/2009/09/hongkong-demands-its-gold-back-from-london-2/</link>
		<comments>http://www.1stMillionAt33.com/2009/09/hongkong-demands-its-gold-back-from-london-2/#comments</comments>
		<pubDate>Fri, 04 Sep 2009 09:39:46 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Gold/Silver]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/09/hongkong-demands-its-gold-back-from-london-2/</guid>
		
			<content:encoded><![CDATA[HongKong is going to keep its own gold in the newly built vault.  When the party that keeps your &#8220;money&#8221; (in gold) can be insolvent, there is no guarantee that you will get your &#8220;money&#8221; back.  I don&#8217;t know whether this news has anything to do with the two days of the vertical [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/09/hongkong-demands-its-gold-back-from-london-2/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Back-to-School Season</title>
		<link>http://www.1stMillionAt33.com/2009/08/back-to-school-season/</link>
		<comments>http://www.1stMillionAt33.com/2009/08/back-to-school-season/#comments</comments>
		<pubDate>Sun, 30 Aug 2009 17:05:45 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/08/back-to-school-season/</guid>
		
			<content:encoded><![CDATA[With Wallstreet traders returning from summer vacation, the coming September &#038; October will probably have higher volatility for sure.  Yeah, I&#8217;m also coming back from my two weeks visit to my parents.
During July &#038; August, markets have relentlessly grinded shorts and continued its march to higher prices.  Volume has not been big.  [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/08/back-to-school-season/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Going from thirties to fourties</title>
		<link>http://www.1stMillionAt33.com/2009/08/going-from-thirties-to-fourties/</link>
		<comments>http://www.1stMillionAt33.com/2009/08/going-from-thirties-to-fourties/#comments</comments>
		<pubDate>Fri, 14 Aug 2009 07:02:08 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Miscellany]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/08/going-from-thirties-to-fourties/</guid>
		
			<content:encoded><![CDATA[People say that one may have a mid-life crisis around 40s.  That&#8217;s definitely true.
When I started blogging, I have always thought that I&#8217;m &#8220;young&#8221; and energetic.  But a reader while in college addressed me as &#8220;Sir&#8221; as if I&#8217;m so much older.  Come on, about 10 years ago, I was still in [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/08/going-from-thirties-to-fourties/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>Echo bubble in California real estate</title>
		<link>http://www.1stMillionAt33.com/2009/08/echo-bubble-in-california-real-estate/</link>
		<comments>http://www.1stMillionAt33.com/2009/08/echo-bubble-in-california-real-estate/#comments</comments>
		<pubDate>Mon, 10 Aug 2009 16:00:27 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/08/echo-bubble-in-california-real-estate/</guid>
		
			<content:encoded><![CDATA[From several of my friends, I&#8217;ve heard that people are bidding the homes again like crazy for the last four months.  Many properties sold at the asking prices or above, receiving multiple bids.  Home prices actually have gone up by up to 10% versus prices from last year.  People just never learn [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/08/echo-bubble-in-california-real-estate/feed/</wfw:commentRss>
		<slash:comments>9</slash:comments>
		</item>
		<item>
		<title>A homeless left behind gifts of four million dollar</title>
		<link>http://www.1stMillionAt33.com/2009/08/a-homeless-left-behind-gifts-of-four-million-dollar/</link>
		<comments>http://www.1stMillionAt33.com/2009/08/a-homeless-left-behind-gifts-of-four-million-dollar/#comments</comments>
		<pubDate>Mon, 03 Aug 2009 08:11:27 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Frugal Ways]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/08/a-homeless-left-behind-gifts-of-four-million-dollar/</guid>
		
			<content:encoded><![CDATA[Not sure if any of you catch this story from NPR (national public radio).  A homeless person gave $400,000 to NPR, and several other nonprofit organization.
Richard Leroy Walters was a retired engineer from AlliedSignal Corp, but who gave up all the materialism of this world, and what could be afforded to him.  Didn&#8217;t [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/08/a-homeless-left-behind-gifts-of-four-million-dollar/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>New high for the year, what’s next?</title>
		<link>http://www.1stMillionAt33.com/2009/07/new-high-for-the-year-whats-next/</link>
		<comments>http://www.1stMillionAt33.com/2009/07/new-high-for-the-year-whats-next/#comments</comments>
		<pubDate>Fri, 24 Jul 2009 15:22:49 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/07/new-high-for-the-year-whats-next/</guid>
		
			<content:encoded><![CDATA[The short term rise in the stock market have been bewildering to say the least.  Yes, I was short into the fall, and I have burned up my money.  Nevertheless, because my net worth overall is still net long (and very long because I can&#8217;t offset my stock option positions), my net worth [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/07/new-high-for-the-year-whats-next/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>Paying borrow fees on shorted shares</title>
		<link>http://www.1stMillionAt33.com/2009/07/paying-borrow-fees-on-shorted-shares/</link>
		<comments>http://www.1stMillionAt33.com/2009/07/paying-borrow-fees-on-shorted-shares/#comments</comments>
		<pubDate>Tue, 21 Jul 2009 09:31:14 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/07/paying-borrow-fees-on-shorted-shares/</guid>
		
			<content:encoded><![CDATA[InteractiveBroker is just going nuts on charging 3% to 8% on borrowing shares.  Such borrowing rate is just ridiculuous.  As far as I understand, all of my shares in my margin account can be lent out for the benefit of Interactive Broker.  They don&#8217;t pass those borrow fees to me, but they [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/07/paying-borrow-fees-on-shorted-shares/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Dumb investors in GMGMQ.PK (the old General Motor)</title>
		<link>http://www.1stMillionAt33.com/2009/07/dumb-investors-in-gmgmqpk-the-old-general-motor/</link>
		<comments>http://www.1stMillionAt33.com/2009/07/dumb-investors-in-gmgmqpk-the-old-general-motor/#comments</comments>
		<pubDate>Fri, 10 Jul 2009 14:35:05 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/07/dumb-investors-in-gmgmqpk-the-old-general-motor/</guid>
		
			<content:encoded><![CDATA[Sorry to be so blunt.  But I really really hope that my post can save some of those hopeless souls.
There is simply no values in GMGMQ.PK.  Yes, the new GM is emerging out of bankruptcy, but the old shareholders won&#8217;t be getting anything.  The new GM has been severed from the old [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/07/dumb-investors-in-gmgmqpk-the-old-general-motor/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>How much will you get in food stamp?</title>
		<link>http://www.1stMillionAt33.com/2009/07/how-much-will-you-get-in-food-stamp/</link>
		<comments>http://www.1stMillionAt33.com/2009/07/how-much-will-you-get-in-food-stamp/#comments</comments>
		<pubDate>Fri, 10 Jul 2009 08:02:37 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Miscellany]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/07/how-much-will-you-get-in-food-stamp/</guid>
		
			<content:encoded><![CDATA[I finally know what EBT is, whenever I swipe my credit card at the grocery stores.  EBT is Electronic Benefits Transfer, an electronic system designed to reduce food stamp fraud.
Ever wonder how much you could get in food stamp?
The other day when my family ate at the Boston Market, a lady pushing her toddler [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/07/how-much-will-you-get-in-food-stamp/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Should you settle your car collision outside of your insurance?</title>
		<link>http://www.1stMillionAt33.com/2009/07/should-you-settle-your-car-collision-outside-of-your-insurance/</link>
		<comments>http://www.1stMillionAt33.com/2009/07/should-you-settle-your-car-collision-outside-of-your-insurance/#comments</comments>
		<pubDate>Tue, 07 Jul 2009 05:49:56 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Insurance]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/07/should-you-settle-your-car-collision-outside-of-your-insurance/</guid>
		
			<content:encoded><![CDATA[I had a perfect accident-free driving record for the last twenty years until this weekend.  Coming back home from vacation during the July 4th long weekend, I hit the bumper of the car in front at a speed of less than 2 miles per hour.  Why?  Thanks to all the new distractions [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/07/should-you-settle-your-car-collision-outside-of-your-insurance/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>First fall is not as ugly (yet)</title>
		<link>http://www.1stMillionAt33.com/2009/06/first-fall-is-not-as-ugly-yet/</link>
		<comments>http://www.1stMillionAt33.com/2009/06/first-fall-is-not-as-ugly-yet/#comments</comments>
		<pubDate>Tue, 23 Jun 2009 14:43:45 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/06/first-fall-is-not-as-ugly-yet/</guid>
		
			<content:encoded><![CDATA[With Monday drop in the stock markets, sentiments have temporarily turned.  I think before the first week of July, stocks may be still in the &#8220;levitation&#8221; stage, meaning that a big drop won&#8217;t come yet.  Plus that today and tomorrow, Fed will come out and swing again.  We are sure to see [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/06/first-fall-is-not-as-ugly-yet/feed/</wfw:commentRss>
		<slash:comments>13</slash:comments>
		</item>
		<item>
		<title>Asset class choices – Getting the big picture correct</title>
		<link>http://www.1stMillionAt33.com/2009/06/asset-class-choices-getting-the-big-picture-correct/</link>
		<comments>http://www.1stMillionAt33.com/2009/06/asset-class-choices-getting-the-big-picture-correct/#comments</comments>
		<pubDate>Tue, 23 Jun 2009 05:53:56 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/06/asset-class-choices-getting-the-big-picture-correct/</guid>
		
			<content:encoded><![CDATA[Getting the big picture correct is by far the most important in investing.  The second most important thing is timing.  If you get the first right, but not the second thing right, your performance can still be good.  If you get both right, you can have an out-sized performance.  But if [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/06/asset-class-choices-getting-the-big-picture-correct/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Net worth review of the last 3 years</title>
		<link>http://www.1stMillionAt33.com/2009/06/net-worth-review-of-the-last-3-years/</link>
		<comments>http://www.1stMillionAt33.com/2009/06/net-worth-review-of-the-last-3-years/#comments</comments>
		<pubDate>Mon, 15 Jun 2009 08:32:27 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[My Portfolio]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/06/net-worth-review-of-the-last-3-years/</guid>
		
			<content:encoded><![CDATA[Keeping a history of all the numbers force me to be honest with myself.  After blogging for three years already, there were so many up &#038; down in my own money.
2006/5/9 was the first day of the record of my own net worth.  My scaled down net worth number had $555629.93, which I [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/06/net-worth-review-of-the-last-3-years/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Banks paying back taxpayers’ money in order to pay CEO more</title>
		<link>http://www.1stMillionAt33.com/2009/06/banks-paying-back-taxpayers-money-in-order-to-pay-ceo-more/</link>
		<comments>http://www.1stMillionAt33.com/2009/06/banks-paying-back-taxpayers-money-in-order-to-pay-ceo-more/#comments</comments>
		<pubDate>Tue, 09 Jun 2009 16:43:34 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/06/banks-paying-back-taxpayers-money-in-order-to-pay-ceo-more/</guid>
		
			<content:encoded><![CDATA[Ten large banks are paying back treasury with 68 billion dollars, so that they can be freed from government meddling in paying their executives.  Now that all of their accounting book is blessed with marked-to-fantasy, they don&#8217;t need the cash anymore.  Can we put in a clause in the payback that &#8220;please don&#8217;t [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/06/banks-paying-back-taxpayers-money-in-order-to-pay-ceo-more/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Trading Lessons on the bankrupt GM</title>
		<link>http://www.1stMillionAt33.com/2009/06/trading-lessons-on-the-bankrupt-gm/</link>
		<comments>http://www.1stMillionAt33.com/2009/06/trading-lessons-on-the-bankrupt-gm/#comments</comments>
		<pubDate>Mon, 01 Jun 2009 13:20:25 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/06/trading-lessons-on-the-bankrupt-gm/</guid>
		
			<content:encoded><![CDATA[The amount of &#8220;irrational exuberance&#8221; is simply amazing in the US stock markets.  I am always amazed by such eternal positive spirits.  In fact, going against irrational exuberance has hurt my performance several times, back in 2000 near the high-tech mania, and back in 2007 May/June, right before the stock market collapse.  [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/06/trading-lessons-on-the-bankrupt-gm/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Too busy selling stocks</title>
		<link>http://www.1stMillionAt33.com/2009/05/too-busy-selling-stocks/</link>
		<comments>http://www.1stMillionAt33.com/2009/05/too-busy-selling-stocks/#comments</comments>
		<pubDate>Thu, 28 May 2009 18:30:48 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/05/too-busy-selling-stocks/</guid>
		
			<content:encoded><![CDATA[I have not been able to post much.  Almost everyday, I&#8217;m selling some stocks.  No complaint at all.  It&#8217;s always better to sell at a good price than at a bad price.  I&#8217;m even selling some of my PM mining stocks, since they&#8217;ve really gone up too fast.  Some stocks [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/05/too-busy-selling-stocks/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>The Echo Wave of the Grand Finale (in 2007)</title>
		<link>http://www.1stMillionAt33.com/2009/05/the-echo-wave-of-the-grand-finale-in-2007/</link>
		<comments>http://www.1stMillionAt33.com/2009/05/the-echo-wave-of-the-grand-finale-in-2007/#comments</comments>
		<pubDate>Wed, 20 May 2009 15:38:02 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/05/the-echo-wave-of-the-grand-finale-in-2007/</guid>
		
			<content:encoded><![CDATA[Be extra careful of going forward.  The good days are counted in weeks, if not in days.
Stock markets remain exuberant, and possibly will remain so until the end of May.  If June turns out to break new recent height, it will defy all experts on advising to &#8220;sell in May and go away&#8221;. [...]]]></content:encoded>
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