<?xml version="1.0" encoding="UTF-8"?>
<?xml-stylesheet type="text/xsl" media="screen" href="/~d/styles/rss2full.xsl"?><?xml-stylesheet type="text/css" media="screen" href="http://feeds.feedburner.com/~d/styles/itemcontent.css"?><rss xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" version="2.0">

<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>
	<lastBuildDate>Sun, 25 Jul 2010 13:39:28 +0000</lastBuildDate>
	<generator>http://wordpress.org/?v=2.8.5</generator>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
			<atom10:link xmlns:atom10="http://www.w3.org/2005/Atom" rel="self" type="application/rss+xml" href="http://feeds.feedburner.com/My1stMillionAt33" /><feedburner:info xmlns:feedburner="http://rssnamespace.org/feedburner/ext/1.0" uri="my1stmillionat33" /><atom10:link xmlns:atom10="http://www.w3.org/2005/Atom" rel="hub" href="http://pubsubhubbub.appspot.com/" /><item>
		<title>Deplete uranium bombs killing infants and causing cancers</title>
		<link>http://www.1stMillionAt33.com/2010/07/deplete-uranium-bombs-killing-infants-and-causing-cancers/</link>
		<comments>http://www.1stMillionAt33.com/2010/07/deplete-uranium-bombs-killing-infants-and-causing-cancers/#comments</comments>
		<pubDate>Sun, 25 Jul 2010 12:36:23 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[World Politics]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1418</guid>
		
			<content:encoded><![CDATA[Dear good people with conscience,
  It is 4:30am in the morning on Sunday.  Still waking up from my midnight prayer to God.  Just the thought of the incredible amount of pain and suffering that these infants and cancer-sick people need to suffer bring tears immediately to my eyes.  LOOK AT THE [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/07/deplete-uranium-bombs-killing-infants-and-causing-cancers/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Critical supports need to hold</title>
		<link>http://www.1stMillionAt33.com/2010/07/critical-supports-need-to-hold/</link>
		<comments>http://www.1stMillionAt33.com/2010/07/critical-supports-need-to-hold/#comments</comments>
		<pubDate>Tue, 20 Jul 2010 13:22:12 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1416</guid>
		
			<content:encoded><![CDATA[Just a short message on stock market.  If S&#038;P 500 doesn&#8217;t hold 1040/1050 today or through this earning season, then I will turn bearish again.  Holding at this level is critical to paint a chart of higher low than the last low at S&#038;P at 1010.
Markets have been extremely volatile.  It&#8217;s best [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/07/critical-supports-need-to-hold/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Stock markets turning around</title>
		<link>http://www.1stMillionAt33.com/2010/07/stock-markets-turning-around/</link>
		<comments>http://www.1stMillionAt33.com/2010/07/stock-markets-turning-around/#comments</comments>
		<pubDate>Wed, 14 Jul 2010 14:47:22 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1414</guid>
		
			<content:encoded><![CDATA[Markets have dipped and then came back since I last commented.  For the short term (months), I am moving my bearish stance to neutral because markets have moved beyond the Fibonacci levels.  Staying on the sideline in this volatile market is probably the best bet for now.  One should use small trading [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/07/stock-markets-turning-around/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Get Your Google Voice Phone Number Now</title>
		<link>http://www.1stMillionAt33.com/2010/06/google-voice/</link>
		<comments>http://www.1stMillionAt33.com/2010/06/google-voice/#comments</comments>
		<pubDate>Wed, 23 Jun 2010 06:50:41 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Frugal Ways]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1410</guid>
		
			<content:encoded><![CDATA[Today Google Voice has been made publicly available to anyone.  I have just been using Google Voice for about one month with my landline, thanks to my IT friend&#8217;s invitation into the program.  It has been terrific.
Here are some of the highlights in my trials:
1. It will ring ALL of your (mobile) phone [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/06/google-voice/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Suicides at Foxconn – Cost Inflation Coming</title>
		<link>http://www.1stMillionAt33.com/2010/06/suicides-at-foxconn-cost-inflation-coming/</link>
		<comments>http://www.1stMillionAt33.com/2010/06/suicides-at-foxconn-cost-inflation-coming/#comments</comments>
		<pubDate>Fri, 18 Jun 2010 14:58:10 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[china]]></category>
		<category><![CDATA[inflation]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1408</guid>
		
			<content:encoded><![CDATA[The 10 suicides at Foxconn have happened in this year, and are no longer news.  However, they are so important in the big economic picture that special attentions are deserved.
Just some background on this Taiwan-based company itself.  This company is arguably the biggest and most efficient manufacturer of all sorts of goods in [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/06/suicides-at-foxconn-cost-inflation-coming/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Short Market Update</title>
		<link>http://www.1stMillionAt33.com/2010/06/short-market-update/</link>
		<comments>http://www.1stMillionAt33.com/2010/06/short-market-update/#comments</comments>
		<pubDate>Thu, 17 Jun 2010 15:41:04 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Market Pulses]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1406</guid>
		
			<content:encoded><![CDATA[Stock rally is stalling a little bit.  This summer until September may be quite nasty.  I suggest lightening up for possible reloading later, which still needs to be qualified by technical observations.
Gold is approaching the high ceiling again, due to stabilization of euro.  It&#8217;s still the strongest currency, stronger than both euro [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/06/short-market-update/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Stock Market Is In Trouble</title>
		<link>http://www.1stMillionAt33.com/2010/06/stock-market-is-in-trouble/</link>
		<comments>http://www.1stMillionAt33.com/2010/06/stock-market-is-in-trouble/#comments</comments>
		<pubDate>Mon, 07 Jun 2010 15:22:17 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Market Pulses]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1403</guid>
		
			<content:encoded><![CDATA[The longer stock markets don&#8217;t rally when they should, the more investors will throw in the towel.  I believe there is a serious danger of breaking 1040 on the S&#038;P 500, after which the markets will collapse at an even greater speed.  I have already increased my existing cash holding by almost 50% [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/06/stock-market-is-in-trouble/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Bing Cashback Ending in July</title>
		<link>http://www.1stMillionAt33.com/2010/06/bing-cashback-ending-in-july/</link>
		<comments>http://www.1stMillionAt33.com/2010/06/bing-cashback-ending-in-july/#comments</comments>
		<pubDate>Sat, 05 Jun 2010 03:25:15 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Frugal Ways]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1401</guid>
		
			<content:encoded><![CDATA[I just received this email from Bing cashback program:
Dear valued cashback customer:
We are writing to notify you that the Bing cashback program will be discontinued, and the last day to earn cash back on your Bing Shopping purchases will be July 30, 2010.
Until July 30, 2010 9:00 pm PST, it&#8217;s business as usual so continue [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/06/bing-cashback-ending-in-july/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>What a volatile week</title>
		<link>http://www.1stMillionAt33.com/2010/05/what-a-volatile-week/</link>
		<comments>http://www.1stMillionAt33.com/2010/05/what-a-volatile-week/#comments</comments>
		<pubDate>Sun, 30 May 2010 04:56:38 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1394</guid>
		
			<content:encoded><![CDATA[This week it looked like I was early by 1 day in calling the bottom this week (so far, if markets don&#8217;t break lower).  But the bounce was weaker than I have expected so far.  Regardless my game plan is still the same.  I&#8217;ve bought into the bottom by covering my shorts, [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/05/what-a-volatile-week/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>No Escape</title>
		<link>http://www.1stMillionAt33.com/2010/05/no-escape/</link>
		<comments>http://www.1stMillionAt33.com/2010/05/no-escape/#comments</comments>
		<pubDate>Tue, 25 May 2010 13:49:58 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1392</guid>
		
			<content:encoded><![CDATA[I should have realized that, just like the incessant rising up since March 2009, this going down may not have any escape.  Any counter-rally if there is any is weak and would be sold.
Regardless of what happens in the short-term on a day-to-day basis, I still think that this summer, stocks will go down [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/05/no-escape/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Sell the short-term counter rally</title>
		<link>http://www.1stMillionAt33.com/2010/05/sell-the-short-term-counter-rally/</link>
		<comments>http://www.1stMillionAt33.com/2010/05/sell-the-short-term-counter-rally/#comments</comments>
		<pubDate>Mon, 24 May 2010 08:44:00 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1390</guid>
		
			<content:encoded><![CDATA[The needed counter rally I believe will begin this Monday (or today) but may only last about 2 weeks with European stocks going up already.  My current target is about right after first week of June.  I think it&#8217;s very important to get out of stock markets after the relief rally, to avoid [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/05/sell-the-short-term-counter-rally/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Protests on Austerity Measures</title>
		<link>http://www.1stMillionAt33.com/2010/05/protests-on-austerity-measures/</link>
		<comments>http://www.1stMillionAt33.com/2010/05/protests-on-austerity-measures/#comments</comments>
		<pubDate>Thu, 20 May 2010 14:34:10 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1388</guid>
		
			<content:encoded><![CDATA[The protests on austerity measures in Europe are becoming widespread.  The thing that these people don&#8217;t understand is that either way they are screwed.  There are only two choices:
1. Austerity measures involving cuts on salaries &#038; benefits.
2. Devaluation / De-link from euro.
The end result is similar: a combination of a drop in living [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/05/protests-on-austerity-measures/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Gold breaks record price (again and again)!</title>
		<link>http://www.1stMillionAt33.com/2010/05/gold-breaks-record-price-again-and-again/</link>
		<comments>http://www.1stMillionAt33.com/2010/05/gold-breaks-record-price-again-and-again/#comments</comments>
		<pubDate>Wed, 12 May 2010 13:44:50 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Gold/Silver]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1386</guid>
		
			<content:encoded><![CDATA[There may be a short-term top after this, but not before setting more new record prices.
Again and again.  That is the pattern of a solid bull market in progress.  Yeah, I managed to invest 24% of my cash since the year starts, but my conservative investing approach has let a big sideline cash [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/05/gold-breaks-record-price-again-and-again/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Coaching my best buddy on personal finance</title>
		<link>http://www.1stMillionAt33.com/2010/05/coaching-my-best-buddy-on-personal-finance/</link>
		<comments>http://www.1stMillionAt33.com/2010/05/coaching-my-best-buddy-on-personal-finance/#comments</comments>
		<pubDate>Mon, 10 May 2010 16:43:20 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Debt/Frugality]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1381</guid>
		
			<content:encoded><![CDATA[I have just a few best friends.  I only told my IT friend about my blog because I needed several helps on the repeated hackers&#8217; attack on my site.  On mother&#8217;s day, my buddy and I talked almost 3 hours about his personal finance, answering every conceivable questions that he had (not that [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/05/coaching-my-best-buddy-on-personal-finance/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>The Stock Market Free Fall and the “Audit the Fed” bill</title>
		<link>http://www.1stMillionAt33.com/2010/05/the-stock-market-free-fall-and-the-audit-the-fed-bill/</link>
		<comments>http://www.1stMillionAt33.com/2010/05/the-stock-market-free-fall-and-the-audit-the-fed-bill/#comments</comments>
		<pubDate>Fri, 07 May 2010 15:30:07 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1376</guid>
		
			<content:encoded><![CDATA[The potential passage in Senate of this &#8220;Audit the Fed&#8221; bill next week could be the cause of Thursday&#8217;s free fall in stock markets.
Federal Reserve bought 1.2 trillion worth of junk toxic mortgage bonds on face value, effectively transferring money from Fed or the public to all the banks who have screwed up.  Since [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/05/the-stock-market-free-fall-and-the-audit-the-fed-bill/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>List of the stocks that went to almost zero</title>
		<link>http://www.1stMillionAt33.com/2010/05/list-of-the-stocks-that-went-to-almost-zero/</link>
		<comments>http://www.1stMillionAt33.com/2010/05/list-of-the-stocks-that-went-to-almost-zero/#comments</comments>
		<pubDate>Fri, 07 May 2010 07:36:25 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1371</guid>
		
			<content:encoded><![CDATA[Nasdaq has published this list for the affected securities that traded beyond 60% down at
http://www.nasdaqtrader.com/content/breaks_050610.xlsx (Download Microsoft ExcelViewer.exe if you can&#8217;t see xlsx files).
There were total of 286 symbols.  I checked some 10+ symbols randomly.  One of them didn&#8217;t go down to below 0.10.  Everything else that I checked went to $0.01 [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/05/list-of-the-stocks-that-went-to-almost-zero/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>An Explanation for Dow Jones Dropping 1000 Points Today</title>
		<link>http://www.1stMillionAt33.com/2010/05/an-explanation-for-dow-jones-dropping-1000-points-today/</link>
		<comments>http://www.1stMillionAt33.com/2010/05/an-explanation-for-dow-jones-dropping-1000-points-today/#comments</comments>
		<pubDate>Fri, 07 May 2010 04:19:45 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1348</guid>
		
			<content:encoded><![CDATA[Yes, the market has been over-bought.
Yes, the market should decline due to Greek debt problems.
Yes, I&#8217;m not personally very bullish on stock markets at all.
But dropping 1000 points (including previous 200 points decline earlier) in less than 5 minutes??  Something has gone very very wrong today.
As it happened in front of my screen, I [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/05/an-explanation-for-dow-jones-dropping-1000-points-today/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>The effect of Greek debt problems on gold</title>
		<link>http://www.1stMillionAt33.com/2010/05/the-effect-of-greek-debt-problems-on-gold/</link>
		<comments>http://www.1stMillionAt33.com/2010/05/the-effect-of-greek-debt-problems-on-gold/#comments</comments>
		<pubDate>Thu, 06 May 2010 13:00:16 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1342</guid>
		
			<content:encoded><![CDATA[The Greek/euro debt drama continues playing out, and I expect the problems to peak around the third week of July, with possibly a temporarily relief in between.  US dollar continues to grow stronger as I have expected.

For those who don&#8217;t understand what a debt problem is, and what effects it would have, here is [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/05/the-effect-of-greek-debt-problems-on-gold/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Goldman Sacked by Frauds Charged</title>
		<link>http://www.1stMillionAt33.com/2010/04/goldman-sacked-by-frauds-charged/</link>
		<comments>http://www.1stMillionAt33.com/2010/04/goldman-sacked-by-frauds-charged/#comments</comments>
		<pubDate>Wed, 28 Apr 2010 16:27:52 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1340</guid>
		
			<content:encoded><![CDATA[Watching the Congress grilling Goldman yesterday, you can almost see the fear in Goldman employees.  Finally fear is striking home.


I have not blogged on any of the greatest financial frauds in this century because I am simply too disgusted by all the Wallstreet &#038; banking industry.  I think this matter is extremely simple, [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/04/goldman-sacked-by-frauds-charged/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Cheap Eye-Fi SD memory</title>
		<link>http://www.1stMillionAt33.com/2010/04/cheap-eye-fi-sd-memory/</link>
		<comments>http://www.1stMillionAt33.com/2010/04/cheap-eye-fi-sd-memory/#comments</comments>
		<pubDate>Mon, 26 Apr 2010 15:53:42 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Frugal Ways]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1335</guid>
		
			<content:encoded><![CDATA[For those who are not aware of eye-fi, it&#8217;s an SD memory card that has built-in wi-fi, allowing automatic uploads of your photos to your PC &#038; designated websites.  I have held off buying eye-fi for the longest time since this great product first came out.  Finally I yielded to my necessity of [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/04/cheap-eye-fi-sd-memory/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Quick update on markets</title>
		<link>http://www.1stMillionAt33.com/2010/04/quick-update-on-markets/</link>
		<comments>http://www.1stMillionAt33.com/2010/04/quick-update-on-markets/#comments</comments>
		<pubDate>Tue, 06 Apr 2010 08:31:46 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1333</guid>
		
			<content:encoded><![CDATA[(Easter) Holiday tends to allow markets to advance in lighter volume, and this week is no exception.  I&#8217;ve never imagined the stock markets to advance to this point in the last year.  But I&#8217;m glad that I covered all of my short positions but one, right at the bottom of the last dip [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/04/quick-update-on-markets/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Freddie Mac Open Access Refinance</title>
		<link>http://www.1stMillionAt33.com/2010/03/freddie-mac-open-access-refinance/</link>
		<comments>http://www.1stMillionAt33.com/2010/03/freddie-mac-open-access-refinance/#comments</comments>
		<pubDate>Wed, 17 Mar 2010 01:30:15 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1329</guid>
		
			<content:encoded><![CDATA[Those whose mortgage are owned by Fannie Mae, there are not a lot of problems with Obama&#8217;s home affordability program, which allows refinancing of upto 125% LTV.  However, those owned by Freddie Mac are much harder to refinance.  Freddie Mac had an open access program started since last October, but the program will [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/03/freddie-mac-open-access-refinance/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>A Memorial on Rachel Corrie, a true American Hero</title>
		<link>http://www.1stMillionAt33.com/2010/03/a-memorial-on-rachel-corrie-a-true-american-hero/</link>
		<comments>http://www.1stMillionAt33.com/2010/03/a-memorial-on-rachel-corrie-a-true-american-hero/#comments</comments>
		<pubDate>Tue, 16 Mar 2010 08:19:30 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/?p=1325</guid>
		
			<content:encoded><![CDATA[Today is a very sad day, a day on which Rachel Corrie was killed seven years ago in 2003 by Israeli bulldozer.  She died in protesting against bulldozing a Palestinian doctor&#8217;s home.  In the name of &#8220;settlement&#8221; expansion, Israel continues to bulldoze Palestinian properties.  Everyday children of Palestine live in fear under [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/03/a-memorial-on-rachel-corrie-a-true-american-hero/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<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>
			<wfw:commentRss>http://www.1stMillionAt33.com/2010/03/us-dollar-crisis-in-this-decade/feed/</wfw:commentRss>
		<slash:comments>6</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>3</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>9</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>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/12/gold-going-gangbuster/feed/</wfw:commentRss>
		<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>
	</channel>
</rss>
