<?xml version="1.0" encoding="UTF-8"?>
<?xml-stylesheet href="http://feeds.feedburner.com/~d/styles/rss2full.xsl" type="text/xsl" media="screen"?><?xml-stylesheet href="http://feeds.feedburner.com/~d/styles/itemcontent.css" type="text/css" media="screen"?><!-- generator="wordpress/2.0.2" --><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/" version="2.0">

<channel>
	<title>My 1st Million At 33</title>
	<link>http://www.1stMillionAt33.com</link>
	<description>A site to share my tips, tools, and Humble thoughts on the journey to wealth</description>
	<pubDate>Wed, 14 May 2008 14:00:41 +0000</pubDate>
	<generator>http://wordpress.org/?v=2.0.2</generator>
	<language>en</language>
			<atom10:link xmlns:atom10="http://www.w3.org/2005/Atom" rel="self" href="http://feeds.feedburner.com/My1stMillionAt33" type="application/rss+xml" /><item>
		<title>I need a new laptop computer!</title>
		<link>http://www.1stMillionAt33.com/2008/05/i-need-a-new-laptop-computer/</link>
		<comments>http://www.1stMillionAt33.com/2008/05/i-need-a-new-laptop-computer/#comments</comments>
		<pubDate>Wed, 14 May 2008 14:00:41 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Miscellany</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/05/i-need-a-new-laptop-computer/</guid>
		
			<content:encoded><![CDATA[Sorry I just couldn&#8217;t finish my post on the most important things on investing for the next decade.  My laptop reset 3 times on me.
Come back tomorrow if you will.  I&#8217;m going into my trading pits now.]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/05/i-need-a-new-laptop-computer/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Kiplinger’s magazine is bullish</title>
		<link>http://www.1stMillionAt33.com/2008/05/kiplingers-magazine-is-bullish/</link>
		<comments>http://www.1stMillionAt33.com/2008/05/kiplingers-magazine-is-bullish/#comments</comments>
		<pubDate>Tue, 13 May 2008 12:01:30 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/05/kiplingers-magazine-is-bullish/</guid>
		
			<content:encoded><![CDATA[&#8220;Market Update: For Stocks, The Worst is Over&#8221;.  That was the headline from Kiplinger&#8217;s Personal Finance magazine.  Don&#8217;t you hate that?
I mean, what&#8217;s the chance of the magazine being right?  Kiplinger has signed up Glassman and Jeremy Siegel who are mostly bullish.  But I just don&#8217;t think the worst is over. [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/05/kiplingers-magazine-is-bullish/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Baltic Exchange Dry Index Surging Again</title>
		<link>http://www.1stMillionAt33.com/2008/05/baltic-exchange-dry-index-surging-again/</link>
		<comments>http://www.1stMillionAt33.com/2008/05/baltic-exchange-dry-index-surging-again/#comments</comments>
		<pubDate>Mon, 12 May 2008 12:01:23 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Natural Resources</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/05/baltic-exchange-dry-index-surging-again/</guid>
		
			<content:encoded><![CDATA[Baltic Exchange Dry Index indicates the shipping rates around the globe.  The actual data is not free and hard to look up.  Here is the only place from investmenttools that I can to have any historical charts:


In conjunction with CRB index making new high, the &#8220;decoupling&#8221; theory of the global economy from US [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/05/baltic-exchange-dry-index-surging-again/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Prepare your cash for loading up</title>
		<link>http://www.1stMillionAt33.com/2008/05/prepare-your-cash-for-loading-up/</link>
		<comments>http://www.1stMillionAt33.com/2008/05/prepare-your-cash-for-loading-up/#comments</comments>
		<pubDate>Fri, 09 May 2008 14:01:47 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/05/prepare-your-cash-for-loading-up/</guid>
		
			<content:encoded><![CDATA[Markets are at a really interesting juncture.  Let me take a stab.
The most important thing I believe that&#8217;s going to drive the markets &#8220;should&#8221; be a top in the crude oil right around here.  A declining oil price will probably drive the following:
1. Stock markets will probably go up and exceed the recent [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/05/prepare-your-cash-for-loading-up/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Attention: Costco &amp; Walmart Shoppers</title>
		<link>http://www.1stMillionAt33.com/2008/05/attention-costco-walmart-shoppers/</link>
		<comments>http://www.1stMillionAt33.com/2008/05/attention-costco-walmart-shoppers/#comments</comments>
		<pubDate>Fri, 09 May 2008 12:01:24 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Frugal Ways</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/05/attention-costco-walmart-shoppers/</guid>
		
			<content:encoded><![CDATA[People are shopping more frugally as they should at Costco and Walmart, when the gasoline prices keep going up, and you can&#8217;t no longer charge everything on a maxed-out credit card.
But I must warn you that Walmart is really a better store to shop if your family is small, and doesn&#8217;t consume volume of (the [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/05/attention-costco-walmart-shoppers/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Short note on gold/silver</title>
		<link>http://www.1stMillionAt33.com/2008/05/short-note-on-goldsilver/</link>
		<comments>http://www.1stMillionAt33.com/2008/05/short-note-on-goldsilver/#comments</comments>
		<pubDate>Wed, 07 May 2008 14:00:21 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/05/short-note-on-goldsilver/</guid>
		
			<content:encoded><![CDATA[Sorry, my site was down, and I couldn&#8217;t put up anything.
This morning, Fed came out and talked empty about inflation threat.  I don&#8217;t know why anyone is still listening to Fed, but nevertheless, PM complex went down by some 2%.  My model would have generated a buy signal in about 2 days.  [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/05/short-note-on-goldsilver/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Weird acquisition of Countrywide by BAC</title>
		<link>http://www.1stMillionAt33.com/2008/05/weird-acquisition-of-countrywide-by-bac/</link>
		<comments>http://www.1stMillionAt33.com/2008/05/weird-acquisition-of-countrywide-by-bac/#comments</comments>
		<pubDate>Tue, 06 May 2008 12:01:57 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/05/weird-acquisition-of-countrywide-by-bac/</guid>
		
			<content:encoded><![CDATA[Bank of America (BAC) is saying the most unthinkable: it may not guarantee Countrywide&#8217;s debts after acquisitions.
I have never heard such things.  Buying a company without owning its debts??  What kind of deal is that?  Well, since this deal was a downer for BAC in the very beginning, I would think that [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/05/weird-acquisition-of-countrywide-by-bac/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>A short note to PM investors</title>
		<link>http://www.1stMillionAt33.com/2008/05/a-short-note-to-pm-investors/</link>
		<comments>http://www.1stMillionAt33.com/2008/05/a-short-note-to-pm-investors/#comments</comments>
		<pubDate>Mon, 05 May 2008 12:02:31 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/05/a-short-note-to-pm-investors/</guid>
		
			<content:encoded><![CDATA[PM have reached my downside targets last week.  If you have no stakes, it&#8217;s a great time to pick up some.  But don&#8217;t expect a home run right away.]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/05/a-short-note-to-pm-investors/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Yahoo was too greedy</title>
		<link>http://www.1stMillionAt33.com/2008/05/yahoo-was-too-greedy/</link>
		<comments>http://www.1stMillionAt33.com/2008/05/yahoo-was-too-greedy/#comments</comments>
		<pubDate>Mon, 05 May 2008 12:01:26 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/05/yahoo-was-too-greedy/</guid>
		
			<content:encoded><![CDATA[Microsoft is walking away from buying Yahoo.  And I just don&#8217;t think there will be anyone buying up Yahoo except Microsoft.  Next time Microsoft buys Yahoo, the offer may be at $20 instead for a $14 stock price.
There are two big problems with Yahoo.
1. The best employees are deflecting to Google, which is [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/05/yahoo-was-too-greedy/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Jumbo Mortgage Limit Raised: A Refinancing Trap</title>
		<link>http://www.1stMillionAt33.com/2008/05/jumbo-mortgage-limit-raised-a-refinancing-trap/</link>
		<comments>http://www.1stMillionAt33.com/2008/05/jumbo-mortgage-limit-raised-a-refinancing-trap/#comments</comments>
		<pubDate>Fri, 02 May 2008 12:01:52 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/05/jumbo-mortgage-limit-raised-a-refinancing-trap/</guid>
		
			<content:encoded><![CDATA[Many people in California and other high cost living area has been waiting for the interest rate gap between jumbo loans and conforming loans to close.  The interest rate gap is about 0.5% to 1.5%.  However, it is very unlikely that the gap can go down to 0%.
The biggest unintended consequences that I [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/05/jumbo-mortgage-limit-raised-a-refinancing-trap/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>HUI hammered</title>
		<link>http://www.1stMillionAt33.com/2008/04/hui-hammered/</link>
		<comments>http://www.1stMillionAt33.com/2008/04/hui-hammered/#comments</comments>
		<pubDate>Wed, 30 Apr 2008 12:01:29 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/04/hui-hammered/</guid>
		
			<content:encoded><![CDATA[PM sector is getting hammered yesterday.  The MACD is way oversold.  It&#8217;s possible that the low will be around 370.
According to my own model, if the average value of HUI is roughly 390 for the next 12 days, it will trigger a buy signal.  What this means is that the nightmare that [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/04/hui-hammered/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Tax rebate checks coming</title>
		<link>http://www.1stMillionAt33.com/2008/04/tax-rebate-checks-coming/</link>
		<comments>http://www.1stMillionAt33.com/2008/04/tax-rebate-checks-coming/#comments</comments>
		<pubDate>Tue, 29 Apr 2008 08:12:01 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Debt/Frugality</category>
	<category>Tax</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/04/tax-rebate-checks-coming/</guid>
		
			<content:encoded><![CDATA[Economic stimulus is coming.  And many retailers are looking for you to spend your check.  In the recession, it&#8217;s a good time to spend money if you have it.
Of course, the amount of my rebate check is $0.  I&#8217;m not getting any.  But it&#8217;s not like I&#8217;m making a lot more. [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/04/tax-rebate-checks-coming/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>My new budget for 2008</title>
		<link>http://www.1stMillionAt33.com/2008/04/my-new-budget-for-2008/</link>
		<comments>http://www.1stMillionAt33.com/2008/04/my-new-budget-for-2008/#comments</comments>
		<pubDate>Mon, 28 Apr 2008 12:01:38 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Frugal Ways</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/04/my-new-budget-for-2008/</guid>
		
			<content:encoded><![CDATA[While doing this new budget, I was extremely impressed by the tools provided by the credit card companies.  They have made the budgeting process so much easier that you no longer need to spend hours and hours trying to figure out where your money has gone.  All of them provide spending by categories [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/04/my-new-budget-for-2008/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Stock markets turning around, while PM dives</title>
		<link>http://www.1stMillionAt33.com/2008/04/stock-markets-turning-around-while-pm-dives/</link>
		<comments>http://www.1stMillionAt33.com/2008/04/stock-markets-turning-around-while-pm-dives/#comments</comments>
		<pubDate>Fri, 25 Apr 2008 12:01:54 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/04/stock-markets-turning-around-while-pm-dives/</guid>
		
			<content:encoded><![CDATA[As I have said back in March, I believe stock markets probably have temporarily turned the corner.  However, precious metals are &#8220;fulfilling&#8221; their anti-market function, uncorrelating to the rise of markets, and falling.
I&#8217;m tempted to say that HUI may bottom at around 370 to 400 level, which could be reached today.  But even [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/04/stock-markets-turning-around-while-pm-dives/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>I went to a foreclosure auction</title>
		<link>http://www.1stMillionAt33.com/2008/04/i-went-to-a-foreclosure-auction/</link>
		<comments>http://www.1stMillionAt33.com/2008/04/i-went-to-a-foreclosure-auction/#comments</comments>
		<pubDate>Wed, 23 Apr 2008 12:01:20 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Real Estate</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/04/i-went-to-a-foreclosure-auction/</guid>
		
			<content:encoded><![CDATA[You will be amazed on how fast these homes get sold.  In a single day, some 500+ homes get sold.  And you will be amazed too by the number of people in the crowd.  Definitely, there are still way too many would-be speculators who want to pick up investing properties on the [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/04/i-went-to-a-foreclosure-auction/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Gas costing $4 a gallon, busting budgets</title>
		<link>http://www.1stMillionAt33.com/2008/04/gas-costing-4-a-gallon-busting-budgets/</link>
		<comments>http://www.1stMillionAt33.com/2008/04/gas-costing-4-a-gallon-busting-budgets/#comments</comments>
		<pubDate>Tue, 22 Apr 2008 12:01:40 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Frugal Ways</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/04/gas-costing-4-a-gallon-busting-budgets/</guid>
		
			<content:encoded><![CDATA[The gasoline cost has been going up along with the crude oil prices.  $4 seems to start to change the consumer&#8217;s behaviors from my personal observation.
From my own budget made back in 2006, more than 2 years ago, I was only spending $160 a month for gasoline.  Now, for the last 4 months, [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/04/gas-costing-4-a-gallon-busting-budgets/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Manipulation can only go so far</title>
		<link>http://www.1stMillionAt33.com/2008/04/manipulation-can-only-go-so-far/</link>
		<comments>http://www.1stMillionAt33.com/2008/04/manipulation-can-only-go-so-far/#comments</comments>
		<pubDate>Mon, 21 Apr 2008 12:01:04 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/04/manipulation-can-only-go-so-far/</guid>
		
			<content:encoded><![CDATA[Time after time, the only time that gold can drop by 2+% is during the open hours of London market and US markets.  Majority of the time that it drops is right before US market opens, or 12pm EST in the US market.  Don&#8217;t ask me why, but that&#8217;s the conclusion from my [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/04/manipulation-can-only-go-so-far/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Stock bulls are ready to go higher?</title>
		<link>http://www.1stMillionAt33.com/2008/04/stock-bulls-are-ready-to-go-higher/</link>
		<comments>http://www.1stMillionAt33.com/2008/04/stock-bulls-are-ready-to-go-higher/#comments</comments>
		<pubDate>Fri, 18 Apr 2008 12:01:56 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/04/stock-bulls-are-ready-to-go-higher/</guid>
		
			<content:encoded><![CDATA[I have said back in late March that the worst is probably behind us for this year.  As the days go by, there has been an obvious bullish tint day in and day out.  Are the stock bulls ready to go higher?  Have the brokerages finished their accumulation?
In the emerging market land, [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/04/stock-bulls-are-ready-to-go-higher/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Energy Sector Rotation: Buy Nuclear</title>
		<link>http://www.1stMillionAt33.com/2008/04/energy-sector-rotation-buy-nuclear/</link>
		<comments>http://www.1stMillionAt33.com/2008/04/energy-sector-rotation-buy-nuclear/#comments</comments>
		<pubDate>Wed, 16 Apr 2008 12:01:04 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Natural Resources</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/04/energy-sector-rotation-buy-nuclear/</guid>
		
			<content:encoded><![CDATA[I missed out quite big on the recent waves of the hot energy sectors, due to my belief in the global synchronized slowdown.  Energy sectors however are still in play (so far).
There are many sub-sectors in the energy.  First it was coal, with FDG, PBT.  Then it was natural gas, with CHK, [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/04/energy-sector-rotation-buy-nuclear/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Bank Reserve Balances are TERRIBLE</title>
		<link>http://www.1stMillionAt33.com/2008/04/bank-reserve-balances-are-terrible/</link>
		<comments>http://www.1stMillionAt33.com/2008/04/bank-reserve-balances-are-terrible/#comments</comments>
		<pubDate>Tue, 15 Apr 2008 12:01:12 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Banking</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/04/bank-reserve-balances-are-terrible/</guid>
		
			<content:encoded><![CDATA[In two weeks of time, the bank reserves continue its swan dive.  The whole banking system is now held and patched together by Federal Reserve.  Without all the bailouts for the bankers, many banks should have gone under.
Here is the data for the current bank reserve (click to go to Federal Reserve data), [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/04/bank-reserve-balances-are-terrible/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Credit crunch expanding its reach</title>
		<link>http://www.1stMillionAt33.com/2008/04/credit-crunch-expanding-its-reach/</link>
		<comments>http://www.1stMillionAt33.com/2008/04/credit-crunch-expanding-its-reach/#comments</comments>
		<pubDate>Mon, 14 Apr 2008 12:01:11 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/04/credit-crunch-expanding-its-reach/</guid>
		
			<content:encoded><![CDATA[Money or rather credit will be increasingly unavailable to many.  This is the sign of the time going forward, probably at least for another 3 years.
Look at the headlines:
Linens&#8217;n Things files for bankruptcy.
Aloha airlines files for bankruptcy.
Frontier Airlines files for bankrupty protection.
Borders Bookstore may put itself up for salfe after running short on cash.
US [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/04/credit-crunch-expanding-its-reach/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Stock markets may be falling again</title>
		<link>http://www.1stMillionAt33.com/2008/04/stock-markets-may-be-falling-again/</link>
		<comments>http://www.1stMillionAt33.com/2008/04/stock-markets-may-be-falling-again/#comments</comments>
		<pubDate>Fri, 11 Apr 2008 14:12:14 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/04/stock-markets-may-be-falling-again/</guid>
		
			<content:encoded><![CDATA[I&#8217;ve got out my longs yesterday.  Next week we will have some major financial companies reporting.  It&#8217;s best to simply stand on the sideline.  I don&#8217;t think it will testbreak the previous low, but it may not be pretty either.
Best luck.]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/04/stock-markets-may-be-falling-again/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Buy signal triggered, but is this a trap?</title>
		<link>http://www.1stMillionAt33.com/2008/04/buy-signal-triggered-but-is-this-a-trap/</link>
		<comments>http://www.1stMillionAt33.com/2008/04/buy-signal-triggered-but-is-this-a-trap/#comments</comments>
		<pubDate>Fri, 11 Apr 2008 12:01:38 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Gold/Silver</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/04/buy-signal-triggered-but-is-this-a-trap/</guid>
		
			<content:encoded><![CDATA[My trading model just triggered a buy signal on HUI index at the Thursday closing.  Going all the way back to 1996, this signal is only right about 60% of the time, but has performed well through the bear market from 1996 to 2001, and the bull market from 2001 till now.
But I still [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/04/buy-signal-triggered-but-is-this-a-trap/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>The Fed is “Blameless”</title>
		<link>http://www.1stMillionAt33.com/2008/04/the-fed-is-blameless/</link>
		<comments>http://www.1stMillionAt33.com/2008/04/the-fed-is-blameless/#comments</comments>
		<pubDate>Wed, 09 Apr 2008 12:01:24 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Miscellany</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/04/the-fed-is-blameless/</guid>
		
			<content:encoded><![CDATA[I saw a big typo in the headline by Greenspan.  He said &#8220;The Fed is blameless on the property bubble&#8220;.  Actually it should be &#8220;The Fed is SHAMEless on the the property bubble&#8221;.
Just thought that I should share my thoughts here:
If a ship (economy) goes down that quickly right after the captain took [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/04/the-fed-is-blameless/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Can you beat TheGroceryGame.Com?</title>
		<link>http://www.1stMillionAt33.com/2008/04/thegrocerygamecom/</link>
		<comments>http://www.1stMillionAt33.com/2008/04/thegrocerygamecom/#comments</comments>
		<pubDate>Tue, 08 Apr 2008 12:01:14 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Frugal Ways</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/04/thegrocerygamecom/</guid>
		
			<content:encoded><![CDATA[Watching how Teri shops is just amazing.  I thought it&#8217;s hard to find someone like my wife who really can get grocery deals thru usage of coupons.  But Teri is a couple of steps beyond.
I saw the TV program for TheGroceryGame.Com.  She walked out of the grocery store, paying only about $80 [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/04/thegrocerygamecom/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Gold not out of danger zone</title>
		<link>http://www.1stMillionAt33.com/2008/04/gold-not-out-of-danger-zone/</link>
		<comments>http://www.1stMillionAt33.com/2008/04/gold-not-out-of-danger-zone/#comments</comments>
		<pubDate>Mon, 07 Apr 2008 12:01:43 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Market Pulses</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/04/gold-not-out-of-danger-zone/</guid>
		
			<content:encoded><![CDATA[This is going to be a short message.  I caught a flu, so I&#8217;m going to be short.
I think there may be another lower low ahead of us.  Buy that low.  Don&#8217;t get in yet.
It&#8217;s still quite dangerous.
Right now, it&#8217;s probably best to stay in cash or short-term treasury bonds.  Don&#8217;t [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/04/gold-not-out-of-danger-zone/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>The Coming Famine and Hunger</title>
		<link>http://www.1stMillionAt33.com/2008/04/the-coming-famine-and-hunger/</link>
		<comments>http://www.1stMillionAt33.com/2008/04/the-coming-famine-and-hunger/#comments</comments>
		<pubDate>Fri, 04 Apr 2008 10:09:26 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>World Politics</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/04/the-coming-famine-and-hunger/</guid>
		
			<content:encoded><![CDATA[I have been worried about the global food supply, and I called up one of my friends who is an owner of an agricultural food import/export business.]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/04/the-coming-famine-and-hunger/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Nasty Gold Correction and Stock Market Counter-Rally</title>
		<link>http://www.1stMillionAt33.com/2008/04/nasty-gold-correction/</link>
		<comments>http://www.1stMillionAt33.com/2008/04/nasty-gold-correction/#comments</comments>
		<pubDate>Wed, 02 Apr 2008 12:01:38 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Gold/Silver</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/04/nasty-gold-correction/</guid>
		
			<content:encoded><![CDATA[I can&#8217;t believe that it will take me many many thousands of dollars of loss to bury my head into my own mathematical trading model which has told me to sell.  I only wish I can trade full time.
This gold correction is definitely going to last quite a while.  I guess what&#8217;s most [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/04/nasty-gold-correction/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Get in line in bankruptcy court if you pay by check/cash</title>
		<link>http://www.1stMillionAt33.com/2008/04/get-in-line-in-bankruptcy-court-if-you-pay-by-checkcash/</link>
		<comments>http://www.1stMillionAt33.com/2008/04/get-in-line-in-bankruptcy-court-if-you-pay-by-checkcash/#comments</comments>
		<pubDate>Tue, 01 Apr 2008 12:01:00 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Frugal Ways</category>
	<category>Credit Cards</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/03/get-in-line-in-bankruptcy-court-if-you-pay-by-checkcash/</guid>
		
			<content:encoded><![CDATA[There are an increase in bankruptcy filing by corporations.  It&#8217;s very important for every consumer to protect themselves in every possible way.  The most important thing is don&#8217;t pay cash.  Cash given to corporations is only good as long as the corporation exists.
If you buy gift cards, be sure to use them [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/04/get-in-line-in-bankruptcy-court-if-you-pay-by-checkcash/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>For Lehman, more bad news</title>
		<link>http://www.1stMillionAt33.com/2008/03/for-lehman-more-bad-news/</link>
		<comments>http://www.1stMillionAt33.com/2008/03/for-lehman-more-bad-news/#comments</comments>
		<pubDate>Mon, 31 Mar 2008 12:01:38 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Market Pulses</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/04/for-lehman-more-bad-news/</guid>
		
			<content:encoded><![CDATA[Lehman has been conned for about $250 to 355 million, depending on which article you read.  That&#8217;s about 1 to 2 % of the shareholder&#8217;s equity on the balance sheet, if that number can still be trusted.
Lehman is already trading at its current book value on Friday, so I assumed that this fraud is [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/03/for-lehman-more-bad-news/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>A big raise for this year</title>
		<link>http://www.1stMillionAt33.com/2008/03/a-big-raise-for-this-year/</link>
		<comments>http://www.1stMillionAt33.com/2008/03/a-big-raise-for-this-year/#comments</comments>
		<pubDate>Fri, 28 Mar 2008 12:01:55 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Career/Salary</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/03/a-big-raise-for-this-year/</guid>
		
			<content:encoded><![CDATA[This year&#8217;s raise is less than previous year, but my raise is still about the double of the average engineers in my group.  It&#8217;s fairly good by any measure.
One of the best ways to make more money is to invest yourself in your job and career.  Whether it&#8217;s spending more time, volunteering, attending [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/03/a-big-raise-for-this-year/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Is silver really in shortage?</title>
		<link>http://www.1stMillionAt33.com/2008/03/is-silver-really-in-shortage/</link>
		<comments>http://www.1stMillionAt33.com/2008/03/is-silver-really-in-shortage/#comments</comments>
		<pubDate>Wed, 26 Mar 2008 12:01:47 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/03/is-silver-really-in-shortage/</guid>
		
			<content:encoded><![CDATA[There have been several reports of people not being able to buy silver coins at the local dealers.  Initially, I bought into their story of silver shortage.  However, after more thoughts, I am not so sure if that is really true.
The current shortage in silver seems to be caused by the minting capacity [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/03/is-silver-really-in-shortage/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Danger zone may be over for stock markets</title>
		<link>http://www.1stMillionAt33.com/2008/03/danger-zone-may-be-over-for-stock-markets/</link>
		<comments>http://www.1stMillionAt33.com/2008/03/danger-zone-may-be-over-for-stock-markets/#comments</comments>
		<pubDate>Tue, 25 Mar 2008 16:05:03 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/03/danger-zone-may-be-over-for-stock-markets/</guid>
		
			<content:encoded><![CDATA[Just a short message.
You may consider getting back to the markets when the markets pull back from the coming earning announcement season.
Today since it&#8217;s down a little, do some light pecking if you will.
There is still a possibility of going even lower this year as suggested by BillCara.com.  But the chance of that happening [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/03/danger-zone-may-be-over-for-stock-markets/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>I made it to Peter Schiff’s seminar</title>
		<link>http://www.1stMillionAt33.com/2008/03/i-made-it-to-peter-schiffs-seminar/</link>
		<comments>http://www.1stMillionAt33.com/2008/03/i-made-it-to-peter-schiffs-seminar/#comments</comments>
		<pubDate>Tue, 25 Mar 2008 08:20:36 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/03/i-made-it-to-peter-schiffs-seminar/</guid>
		
			<content:encoded><![CDATA[It&#8217;s kind of weird to see a person on TV in person.  But anyway, Peter Schiff looks just like how he is on TV.
I thought I may be able to hear something new in Schiff&#8217;s seminar.  But he simply went over his standard set of arguments and viewpoints.
1. Bad mortgage and housing bubble [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/03/i-made-it-to-peter-schiffs-seminar/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>I will take the new 3% cashback credit card from Chase</title>
		<link>http://www.1stMillionAt33.com/2008/03/i-will-take-the-new-3-cashback-credit-card-from-chase/</link>
		<comments>http://www.1stMillionAt33.com/2008/03/i-will-take-the-new-3-cashback-credit-card-from-chase/#comments</comments>
		<pubDate>Mon, 24 Mar 2008 12:01:05 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Credit Cards</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/03/i-will-take-the-new-3-cashback-credit-card-from-chase/</guid>
		
			<content:encoded><![CDATA[For those who have missed the HSBC 5% cashback credit card offer, I must say that it&#8217;s a great pity.  Like the previous citibank dividend platinum card which eventually had its 5% reduced to 2%, I&#8217;m a little afraid that the 5% cashback on my HSBC credit card will eventually go away.  Quite [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/03/i-will-take-the-new-3-cashback-credit-card-from-chase/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Gold markets took a swan dive</title>
		<link>http://www.1stMillionAt33.com/2008/03/gold-markets-took-a-swan-dive/</link>
		<comments>http://www.1stMillionAt33.com/2008/03/gold-markets-took-a-swan-dive/#comments</comments>
		<pubDate>Fri, 21 Mar 2008 12:01:19 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Gold/Silver</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/03/gold-markets-took-a-swan-dive/</guid>
		
			<content:encoded><![CDATA[Geez, that hurts (a lot).  I should have acted according to my own mathematical model.
I really thought that PM markets were in the major wave 3 in Elliot wave.  Now I&#8217;m not so sure.  If the recent peak is the termination of major wave 1, there will be quite a long correction [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/03/gold-markets-took-a-swan-dive/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Pre-expiration Rally</title>
		<link>http://www.1stMillionAt33.com/2008/03/pre-expiration-rally/</link>
		<comments>http://www.1stMillionAt33.com/2008/03/pre-expiration-rally/#comments</comments>
		<pubDate>Wed, 19 Mar 2008 13:25:41 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/03/pre-expiration-rally/</guid>
		
			<content:encoded><![CDATA[Options are expiring this week.  It appears that markets are trying to get shorts to cover.
However, it is indeed possible that we have seen the low for the year.  The rally seems to have legs, even though I don&#8217;t think the markets can go too much higher than 1380 to 1420 on S&#038;P [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/03/pre-expiration-rally/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Better be a one full percentage cut</title>
		<link>http://www.1stMillionAt33.com/2008/03/better-be-a-one-full-percentage-cut/</link>
		<comments>http://www.1stMillionAt33.com/2008/03/better-be-a-one-full-percentage-cut/#comments</comments>
		<pubDate>Tue, 18 Mar 2008 12:01:17 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Banking</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/03/better-be-a-one-full-percentage-cut/</guid>
		
			<content:encoded><![CDATA[Today is the Fed meeting again.  I hope they will cut 1%, because I just don&#8217;t want to imagine what might have happened without such a big cut.  The financial world is literally falling apart.  And bringing down the economy into depression is no fun at all for anyone.
Savers obviously will be [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/03/better-be-a-one-full-percentage-cut/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>$2 for Bear Stearns (BSC) which was $143 on Jul 2nd, 2007</title>
		<link>http://www.1stMillionAt33.com/2008/03/2-for-bear-stearns-bsc-which-was-143-on-jul-2nd-2007/</link>
		<comments>http://www.1stMillionAt33.com/2008/03/2-for-bear-stearns-bsc-which-was-143-on-jul-2nd-2007/#comments</comments>
		<pubDate>Mon, 17 Mar 2008 12:01:27 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Market Pulses</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/03/2-for-bear-stearns-bsc-which-was-143-on-jul-2nd-2007/</guid>
		
			<content:encoded><![CDATA[Well, actually it&#8217;s probably going to be less than $2, since JPM will probably fall on Monday.
BSC is the 5th largest brokerage company in America, brought down by the housing bubble created by Greenspan &#038; company.  These are the financial innovations on Wallstreet, creating bonus and money out of toxic loans.
Gold and silver both [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/03/2-for-bear-stearns-bsc-which-was-143-on-jul-2nd-2007/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Bear Stearn almost brought down Wallstreet</title>
		<link>http://www.1stMillionAt33.com/2008/03/bear-stearn-almost-brought-down-wallstreet/</link>
		<comments>http://www.1stMillionAt33.com/2008/03/bear-stearn-almost-brought-down-wallstreet/#comments</comments>
		<pubDate>Fri, 14 Mar 2008 14:24:52 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Market Pulses</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/03/bear-stearn-almost-brought-down-wallstreet/</guid>
		
			<content:encoded><![CDATA[Saw the news yet?!
That was a scary tape!  On my screen, everything suddenly went into free fall, and then reverse.
Bear Stearn is now down more than 80% from the top, and off 43% just today.  What&#8217;s gone cannot be made back.  So don&#8217;t bottom pick these financials just yet.  Same thing [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/03/bear-stearn-almost-brought-down-wallstreet/feed/</wfw:commentRSS>
		</item>
	</channel>
</rss>
