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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>
	<pubDate>Mon, 29 Jun 2009 14:44:59 +0000</pubDate>
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	<language>en</language>
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		<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>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>
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		<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>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>
		</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>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>
		</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>Investing</category>
	<category>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>
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		<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>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>
		</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>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>
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		<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>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>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2009/05/the-echo-wave-of-the-grand-finale-in-2007/feed/</wfw:commentRSS>
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		<title>Sell your energy stocks</title>
		<link>http://www.1stMillionAt33.com/2009/05/sell-your-energy-stocks/</link>
		<comments>http://www.1stMillionAt33.com/2009/05/sell-your-energy-stocks/#comments</comments>
		<pubDate>Fri, 15 May 2009 16:57:34 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Natural Resources</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/05/sell-your-energy-stocks/</guid>
		
			<content:encoded><![CDATA[With the exception of uranium, I am not so hopeful on energy industry for this year.  If you don&#8217;t sell them this round, there may be one more chance after some 1 or 2 weeks of the current short-term corrections.  After that, energy stocks will probably drop along the general market, with bigger [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2009/05/sell-your-energy-stocks/feed/</wfw:commentRSS>
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		<item>
		<title>Biblical Investing - Great Inflation</title>
		<link>http://www.1stMillionAt33.com/2009/05/biblical-investing-great-inflation/</link>
		<comments>http://www.1stMillionAt33.com/2009/05/biblical-investing-great-inflation/#comments</comments>
		<pubDate>Wed, 13 May 2009 16:05:01 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Natural Resources</category>
	<category>Gold/Silver</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/05/biblical-investing-great-inflation/</guid>
		
			<content:encoded><![CDATA[If you believe in Bible, what kind of investment choices should you make?  One of the most mysterious chapters in Bible is the Revelation which predicts the end time.  The most interesting part I would have to say are the seven seals.  When I first read them, some were kind of clear, [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2009/05/biblical-investing-great-inflation/feed/</wfw:commentRSS>
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		<item>
		<title>HSBC cutting my credit line to $3000</title>
		<link>http://www.1stMillionAt33.com/2009/05/hsbc-cutting-my-credit-line-to-3000/</link>
		<comments>http://www.1stMillionAt33.com/2009/05/hsbc-cutting-my-credit-line-to-3000/#comments</comments>
		<pubDate>Fri, 08 May 2009 04:28:46 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Credit Cards</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/05/hsbc-cutting-my-credit-line-to-3000/</guid>
		
			<content:encoded><![CDATA[Being the second bank after Citibank, HSBC has cut my credit card line from $7200 to $3000.
I don&#8217;t know how they evaluated this, but it is for certain that they don&#8217;t care that I have paid down all of the balance every month, and that my credit FICO score is at about 800 (well, if [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2009/05/hsbc-cutting-my-credit-line-to-3000/feed/</wfw:commentRSS>
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		<title>A Rally Into FantasyLand</title>
		<link>http://www.1stMillionAt33.com/2009/05/a-rally-into-fantasyland/</link>
		<comments>http://www.1stMillionAt33.com/2009/05/a-rally-into-fantasyland/#comments</comments>
		<pubDate>Tue, 05 May 2009 14:51:12 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/05/a-rally-into-fantasyland/</guid>
		
			<content:encoded><![CDATA[As I have stated, people needs to take advantage of this rally to sell out of their stocks.  This is the &#8220;prayer answered&#8221; for those who have suffered big losses.
What&#8217;s ahead?  My own opinion is that the rally is soon going to stall a little at about here.  Many people are looking [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2009/05/a-rally-into-fantasyland/feed/</wfw:commentRSS>
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		<title>If gold/silver is good, diamonds must be good?</title>
		<link>http://www.1stMillionAt33.com/2009/04/if-goldsilver-is-good-diamonds-must-be-good/</link>
		<comments>http://www.1stMillionAt33.com/2009/04/if-goldsilver-is-good-diamonds-must-be-good/#comments</comments>
		<pubDate>Mon, 27 Apr 2009 15:48:43 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Gold/Silver</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/04/if-goldsilver-is-good-diamonds-must-be-good/</guid>
		
			<content:encoded><![CDATA[I have been asked by several people (mostly females), my wife and my mother-in-law included, that if gold/silver is a good investment, then diamonds must also be a good investment.  And my answer is always an emphatic NO!
Yes, diamonds are very precious in the sense that they are probably one of the most expensive [...]]]></content:encoded>
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		<title>A decision guide on what you should do for your home/mortgage</title>
		<link>http://www.1stMillionAt33.com/2009/04/a-decision-guide-on-what-you-should-do-for-your-homemortgage/</link>
		<comments>http://www.1stMillionAt33.com/2009/04/a-decision-guide-on-what-you-should-do-for-your-homemortgage/#comments</comments>
		<pubDate>Mon, 20 Apr 2009 18:18:29 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Mortgage</category>
	<category>Real Estate</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/04/a-decision-guide-on-what-you-should-do-for-your-homemortgage/</guid>
		
			<content:encoded><![CDATA[Here is just some decision flowchart on what I think you should do for your home/mortgages in many circumstances.  It&#8217;s based on my personal opinion, and you should always consult professionals &#038; legals when it applies.  There aren&#8217;t many solutions for you besides out-right sale, short sale, refinancing, loan modification, foreclosures, and walkaways. [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2009/04/a-decision-guide-on-what-you-should-do-for-your-homemortgage/feed/</wfw:commentRSS>
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		<title>How long will the good time last?</title>
		<link>http://www.1stMillionAt33.com/2009/04/how-long-will-the-good-time-last/</link>
		<comments>http://www.1stMillionAt33.com/2009/04/how-long-will-the-good-time-last/#comments</comments>
		<pubDate>Thu, 09 Apr 2009 14:50:19 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/04/how-long-will-the-good-time-last/</guid>
		
			<content:encoded><![CDATA[As I have said that stocks should rally towards April, it had arrived quite a bit late than I expected, but arrived nevertheless.  The question is how long will it last, and how far will it go?
My original tentative sell-out date was about third week of April, and it&#8217;s almost here.  Since the [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2009/04/how-long-will-the-good-time-last/feed/</wfw:commentRSS>
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		<title>Ramit’s Book “I Will Teach You To Be Rich”</title>
		<link>http://www.1stMillionAt33.com/2009/03/ramits-book-i-will-teach-you-to-be-rich/</link>
		<comments>http://www.1stMillionAt33.com/2009/03/ramits-book-i-will-teach-you-to-be-rich/#comments</comments>
		<pubDate>Tue, 31 Mar 2009 15:27:38 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Book Review</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/03/ramits-book-i-will-teach-you-to-be-rich/</guid>
		
			<content:encoded><![CDATA[Congratulation to Ramit first of all on his very successful book &#8220;I Will Teach You To Be Rich&#8221;.  It&#8217;s amazing how he has made so far.  Success never comes easy.
I must first make a disclaimer, that I have not read his book.  Therefore my following comments can be biased and inaccurate.
Like most [...]]]></content:encoded>
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		<title>CGMFX: A former star falling on the hard time - A lesson on portfolio (mis-)management</title>
		<link>http://www.1stMillionAt33.com/2009/03/cgmfx-a-former-star-falling-on-the-hard-time-a-lesson-on-portfolio-mis-management/</link>
		<comments>http://www.1stMillionAt33.com/2009/03/cgmfx-a-former-star-falling-on-the-hard-time-a-lesson-on-portfolio-mis-management/#comments</comments>
		<pubDate>Wed, 25 Mar 2009 16:06:15 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/03/cgmfx-a-former-star-falling-on-the-hard-time-a-lesson-on-portfolio-mis-management/</guid>
		
			<content:encoded><![CDATA[I&#8217;ve blogged about Heebner&#8217;s CGMFX &#038; CGMRX fund before.  Before 2007/2008, it had a terrific performance.  I admired Heebner&#8217;s foresight on the builder&#8217;s good fortune from 2002 to 2005 (CGMRX), and taking advantage of commodity stocks out-performance from 2003 to 2007 (CGMFX), and the downfall in mortgage/financial companies(CGMFX).  But the downfall since [...]]]></content:encoded>
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		<title>Stock market yo-yo</title>
		<link>http://www.1stMillionAt33.com/2009/03/stock-market-yo-yo/</link>
		<comments>http://www.1stMillionAt33.com/2009/03/stock-market-yo-yo/#comments</comments>
		<pubDate>Fri, 20 Mar 2009 13:34:16 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/03/stock-market-yo-yo/</guid>
		
			<content:encoded><![CDATA[From the last lower low till now, I believe the market participants were in the state of paralysis, refusing to throw in towel for a final panic.  Sentiments were at bottom, and so we are getting a technical bounce.  I repeat again that I believe that this is going to be the last [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2009/03/stock-market-yo-yo/feed/</wfw:commentRSS>
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		<title>We need a Revolution!</title>
		<link>http://www.1stMillionAt33.com/2009/03/we-need-a-revolution/</link>
		<comments>http://www.1stMillionAt33.com/2009/03/we-need-a-revolution/#comments</comments>
		<pubDate>Sun, 15 Mar 2009 16:03:06 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>World Politics</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/03/we-need-a-revolution/</guid>
		
			<content:encoded><![CDATA[Taxpayers are going to &#8220;be forced&#8221; to pay out 450 million in bonuses to the guys who have essentially bankrupted AIG 10 times and counting, and dipped into treasury pots fourth time for 180 billions in less than a year.
All these guys should be all fired, sued for paying back all past bonuses and compensation, [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2009/03/we-need-a-revolution/feed/</wfw:commentRSS>
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		<item>
		<title>Is Gold In A Bubble?</title>
		<link>http://www.1stMillionAt33.com/2009/03/is-gold-in-a-bubble/</link>
		<comments>http://www.1stMillionAt33.com/2009/03/is-gold-in-a-bubble/#comments</comments>
		<pubDate>Fri, 13 Mar 2009 15:19:59 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Gold/Silver</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/03/is-gold-in-a-bubble/</guid>
		
			<content:encoded><![CDATA[One of my colleagues have repeatedly asked me this question.  I am quite clearly on the answer, &#8220;NO&#8221;.
How many people do you know who actually hold GLD?  How many people do you know actually buying gold?  How many people do you know actually buy mining shares?  The answer all too often [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2009/03/is-gold-in-a-bubble/feed/</wfw:commentRSS>
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		<title>Considering the Impossibility</title>
		<link>http://www.1stMillionAt33.com/2009/03/considering-the-impossibility/</link>
		<comments>http://www.1stMillionAt33.com/2009/03/considering-the-impossibility/#comments</comments>
		<pubDate>Fri, 06 Mar 2009 15:27:37 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/03/considering-the-impossibility/</guid>
		
			<content:encoded><![CDATA[Everything is possible now with the unraveling speed of Wallstreet 700 trillion derivatives.  Which of the following scenario may come true?  Maybe all of them.
1. Dow at 3500 in 2011.
2. Gold at 5000 in 2016.
3. S&#038;P 500 bottoms at 400.
4. The economic depression lasts more than 20 years until 2032/2033.  This is [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2009/03/considering-the-impossibility/feed/</wfw:commentRSS>
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		<title>New lows!</title>
		<link>http://www.1stMillionAt33.com/2009/02/new-lows/</link>
		<comments>http://www.1stMillionAt33.com/2009/02/new-lows/#comments</comments>
		<pubDate>Tue, 24 Feb 2009 17:40:22 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/02/new-lows/</guid>
		
			<content:encoded><![CDATA[I didn&#8217;t expect new lows to come this fast.  Certainly, the April rally is turning into an April rout.  Regardless, the stock markets are far from the bottom still.
Both gold and gold stocks seem to have temporarily topped out.  The initial downside targets can be $900 on gold, and $32/$33 on GDX. [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2009/02/new-lows/feed/</wfw:commentRSS>
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		<item>
		<title>Where to hide your money</title>
		<link>http://www.1stMillionAt33.com/2009/02/where-to-hide-your-money/</link>
		<comments>http://www.1stMillionAt33.com/2009/02/where-to-hide-your-money/#comments</comments>
		<pubDate>Tue, 17 Feb 2009 16:57:33 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/02/where-to-hide-your-money/</guid>
		
			<content:encoded><![CDATA[As most readers are aware of, I&#8217;m a long term &#8220;investor&#8221; in gold.  I don&#8217;t trade out of my precious metal positions much at all.  At least until the end of 2011, I will still be in gold.
Here is a chart for gold in euro:

In terms of other currencies (except Japanese Yen), gold [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2009/02/where-to-hide-your-money/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Cycles, Market Psychology, and Singularity</title>
		<link>http://www.1stMillionAt33.com/2009/02/cycles-market-psychology-and-singularity/</link>
		<comments>http://www.1stMillionAt33.com/2009/02/cycles-market-psychology-and-singularity/#comments</comments>
		<pubDate>Fri, 06 Feb 2009 13:01:02 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/02/cycles-market-psychology-and-singularity/</guid>
		
			<content:encoded><![CDATA[My last post on depression have people called &#8220;Chicken Little&#8221;.  Most people will probably think I am a pessimist.  I tend to think that I am a realist.
I&#8217;m very pessimistic on stock markets and economy in general because we just had the biggest bubble burst in human history, a synchronized global boom along [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2009/02/cycles-market-psychology-and-singularity/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Depression, here it comes</title>
		<link>http://www.1stMillionAt33.com/2009/01/depression-here-it-comes/</link>
		<comments>http://www.1stMillionAt33.com/2009/01/depression-here-it-comes/#comments</comments>
		<pubDate>Mon, 26 Jan 2009 17:01:45 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/01/depression-here-it-comes/</guid>
		
			<content:encoded><![CDATA[As days go by, I&#8217;m more convinced that the current economic slowdown will turn into an economic depression (but don&#8217;t sell your stocks before April, until the intermediate rally runs out of steam).
This depression will be less severe than the last Great Depression at the lowest depth, but it will last much longer, possibly until [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2009/01/depression-here-it-comes/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Obama rally</title>
		<link>http://www.1stMillionAt33.com/2009/01/obama-rally/</link>
		<comments>http://www.1stMillionAt33.com/2009/01/obama-rally/#comments</comments>
		<pubDate>Tue, 20 Jan 2009 16:53:05 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/01/obama-rally/</guid>
		
			<content:encoded><![CDATA[With a new president, there is new hope.
The short term correction in stock market should be over.  Temporary sunny days are here I believe.  This is a turning point for sure.
However, to turn the tidal wave resulted from the biggest credit excess, it will take years, and possibly one or two terms of [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2009/01/obama-rally/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>I am getting “promoted”, but also getting a “pay-cut”</title>
		<link>http://www.1stMillionAt33.com/2009/01/i-am-getting-promoted-but-also-getting-a-pay-cut/</link>
		<comments>http://www.1stMillionAt33.com/2009/01/i-am-getting-promoted-but-also-getting-a-pay-cut/#comments</comments>
		<pubDate>Thu, 08 Jan 2009 16:15:26 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/01/i-am-getting-promoted-but-also-getting-a-pay-cut/</guid>
		
			<content:encoded><![CDATA[Times are really bad, and unfortunately it&#8217;s just going to get worse going forward for most people.
I just got unofficially promoted, managing a team of six engineers as a project leader.  But the CEO of my company has come out and said that there is no salary raise for anyone this year.  And [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2009/01/i-am-getting-promoted-but-also-getting-a-pay-cut/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Markets are very positive in 2009 opening</title>
		<link>http://www.1stMillionAt33.com/2009/01/markets-are-very-positive-in-2009-opening/</link>
		<comments>http://www.1stMillionAt33.com/2009/01/markets-are-very-positive-in-2009-opening/#comments</comments>
		<pubDate>Mon, 05 Jan 2009 16:29:48 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/01/markets-are-very-positive-in-2009-opening/</guid>
		
			<content:encoded><![CDATA[Based on how markets are opening around the world, I think it&#8217;s very positive.  Obama will be delivering his inaugural speech around Jan 20.  I believe that markets should be strong this month.  The fact that the markets are not tanking after rising some 5 to 10% thru the thin volume tradings [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2009/01/markets-are-very-positive-in-2009-opening/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>The oil conundrum</title>
		<link>http://www.1stMillionAt33.com/2008/12/the-oil-conundrum/</link>
		<comments>http://www.1stMillionAt33.com/2008/12/the-oil-conundrum/#comments</comments>
		<pubDate>Mon, 29 Dec 2008 17:52:54 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/12/the-oil-conundrum/</guid>
		
			<content:encoded><![CDATA[What should be the fair price of oil?  The fair price is obviously the market price.  But the price oscillation is really too big to be &#8220;credible&#8221;.  From $51 to $147 in 1.5 years, and then from $147 to $36 in 4 to 5 months, do you know anything that you buy [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/12/the-oil-conundrum/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>The Final Episode of Serial Bubbles: Bond</title>
		<link>http://www.1stMillionAt33.com/2008/12/the-final-episode-of-serial-bubbles-bond/</link>
		<comments>http://www.1stMillionAt33.com/2008/12/the-final-episode-of-serial-bubbles-bond/#comments</comments>
		<pubDate>Thu, 18 Dec 2008 16:43:53 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/12/the-final-episode-of-serial-bubbles-bond/</guid>
		
			<content:encoded><![CDATA[First it was high-tech boom.  Then it was real estate.  Now it is the bond bubble.  Bonds have appeared to go into the last phase of parabolic rise.

Fall it must eventually, yet the timing is hard to determine.  The timing could probably be approximated from the log-periodic power law which puts [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/12/the-final-episode-of-serial-bubbles-bond/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>The risk of demand/supply destruction</title>
		<link>http://www.1stMillionAt33.com/2008/12/the-risk-of-demandsupply-destruction/</link>
		<comments>http://www.1stMillionAt33.com/2008/12/the-risk-of-demandsupply-destruction/#comments</comments>
		<pubDate>Tue, 16 Dec 2008 12:01:09 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/12/the-risk-of-demandsupply-destruction/</guid>
		
			<content:encoded><![CDATA[With crude oil fallen thru $40 recently, the demand destruction is in full force, or is it?
At gasoline prices of about $1.60 to $1.70, my recent trip on freeway was met with so much more traffics.  At 2pm on a Saturday, I ran into traffics on freeway TWICE!  That was just unbelievable.  [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/12/the-risk-of-demandsupply-destruction/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Just back from my vacation &amp; some notables</title>
		<link>http://www.1stMillionAt33.com/2008/12/just-back-from-my-vacation-some-notables/</link>
		<comments>http://www.1stMillionAt33.com/2008/12/just-back-from-my-vacation-some-notables/#comments</comments>
		<pubDate>Mon, 08 Dec 2008 13:01:53 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
	<category>Astrology</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/12/just-back-from-my-vacation-some-notables/</guid>
		
			<content:encoded><![CDATA[With Xmas seasons here, I probably won&#8217;t have a lot of posts before the year end.
Here are some of the things that I thought you may want to know:
1. Bob Hoye continued to call for a upward march towards March, and that gold shares have bottomed.
2. There is a backwardation in gold for 2 days, [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/12/just-back-from-my-vacation-some-notables/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Studies on economic cycles from the best</title>
		<link>http://www.1stMillionAt33.com/2008/12/studies-on-economic-cycles-from-the-best/</link>
		<comments>http://www.1stMillionAt33.com/2008/12/studies-on-economic-cycles-from-the-best/#comments</comments>
		<pubDate>Wed, 03 Dec 2008 16:44:15 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/12/studies-on-economic-cycles-from-the-best/</guid>
		
			<content:encoded><![CDATA[Directly from the jailed but the best economist in the human history IMHO:
http://www.contrahour.com/ItsJustTimeMartinArmstrong.pdf (found the link at http://princetoneconomics.blogspot.com/).
Enjoy!  (Yeah, it&#8217;s 77 pages long, but I wouldn&#8217;t miss 1 word of it.  In fact, I would probably re-reading and regurgitating pages after pages.)
By the way, I haven&#8217;t read it yet, but I can&#8217;t wait [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/12/studies-on-economic-cycles-from-the-best/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Bond trading indicating serious deflation problems</title>
		<link>http://www.1stMillionAt33.com/2008/12/bond-trading-indicating-serious-deflation-problems/</link>
		<comments>http://www.1stMillionAt33.com/2008/12/bond-trading-indicating-serious-deflation-problems/#comments</comments>
		<pubDate>Mon, 01 Dec 2008 17:30:50 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/12/bond-trading-indicating-serious-deflation-problems/</guid>
		
			<content:encoded><![CDATA[The current bond trading is NOT consistent with a stock market recovery.  This is putting big fears for my projected March/April stock market rebound.
The 30-year treasury bonds have broken the all time low, and currently trading at about 3.3% (for the next 30 years).  Is USA heading into a Japanese-style 20+ years recession?

Mish [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/12/bond-trading-indicating-serious-deflation-problems/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Intermediate lows are behind us</title>
		<link>http://www.1stMillionAt33.com/2008/11/intermediate-lows-are-behind-us/</link>
		<comments>http://www.1stMillionAt33.com/2008/11/intermediate-lows-are-behind-us/#comments</comments>
		<pubDate>Tue, 25 Nov 2008 15:11:57 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/11/intermediate-lows-are-behind-us/</guid>
		
			<content:encoded><![CDATA[As I have said previously, there should be a retest of previous low, and it should be bought.  I believe the current rally would last until next March/April.  Make sure however that you&#8217;re prepared to exit the markets for the next down draft.  As far as everything goes, we are on track [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/11/intermediate-lows-are-behind-us/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>I’m on vacation</title>
		<link>http://www.1stMillionAt33.com/2008/11/im-on-vacation/</link>
		<comments>http://www.1stMillionAt33.com/2008/11/im-on-vacation/#comments</comments>
		<pubDate>Mon, 17 Nov 2008 16:16:04 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Announcement</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/11/im-on-vacation/</guid>
		
			<content:encoded><![CDATA[I won&#8217;t be posting much until I&#8217;m back from my vacation.  Annually I use up all of my vacation days just to visit my parents aboard.
In the meantime, hold onto your stock positions.  It should turn up soon, I believe.  It&#8217;s going to be a very difficult market, and it will get [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/11/im-on-vacation/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Federal Reserve avoids Freedom Of Information Act request</title>
		<link>http://www.1stMillionAt33.com/2008/11/federal-reserve-avoids-freedom-of-information-act-request/</link>
		<comments>http://www.1stMillionAt33.com/2008/11/federal-reserve-avoids-freedom-of-information-act-request/#comments</comments>
		<pubDate>Mon, 10 Nov 2008 23:31:16 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/11/federal-reserve-avoids-freedom-of-information-act-request/</guid>
		
			<content:encoded><![CDATA[Bloomberg has filed a Freedom Of Information Act (FOIA) request against against Federal Reserve for requesting the collateral information on some two trillion dollar that Federal Reserve has accepted as collateral.  Federal Reserve however refused to comply.
You can read through details here from PrudentInvestor, or from the original blogger at NakedCapitalism who revealed this, [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/11/federal-reserve-avoids-freedom-of-information-act-request/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Democrats the “terrible” socialists</title>
		<link>http://www.1stMillionAt33.com/2008/11/democrats-the-terrible-socialists/</link>
		<comments>http://www.1stMillionAt33.com/2008/11/democrats-the-terrible-socialists/#comments</comments>
		<pubDate>Thu, 06 Nov 2008 16:41:28 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/11/democrats-the-terrible-socialists/</guid>
		
			<content:encoded><![CDATA[Even on day 2 after election, I already fear the bigger government that is to come as promised by Democrats.  All these people who continue to think that government should take care of their people (by becoming bigger &#038; more expensive) simply don&#8217;t understand one basic thing: government simply CANNOT take care of themselves, [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/11/democrats-the-terrible-socialists/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Obama wins big, and what a non-surprise</title>
		<link>http://www.1stMillionAt33.com/2008/11/obama-wins-big-and-what-a-non-surprise/</link>
		<comments>http://www.1stMillionAt33.com/2008/11/obama-wins-big-and-what-a-non-surprise/#comments</comments>
		<pubDate>Thu, 06 Nov 2008 12:01:59 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/11/obama-wins-big-and-what-a-non-surprise/</guid>
		
			<content:encoded><![CDATA[When economy sours, people want changes.  Both parties caught on Ron Paul&#8217;s messages of anti-war, and anti-establishment quickly, muffled out Ron Paul, and carried out the same tune and same tactics (Obama/Hilary for change, and McCain the &#8220;maverick&#8221;).  Well, but will we get changes with Obama as the president?
In fact, I&#8217;m going to [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/11/obama-wins-big-and-what-a-non-surprise/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Watch for a pullback</title>
		<link>http://www.1stMillionAt33.com/2008/11/watch-for-a-pullback/</link>
		<comments>http://www.1stMillionAt33.com/2008/11/watch-for-a-pullback/#comments</comments>
		<pubDate>Mon, 03 Nov 2008 18:14:45 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/11/watch-for-a-pullback/</guid>
		
			<content:encoded><![CDATA[If there comes a pullback, or later in November, one should buy stocks I believe.
Of course, it is going to be a bear rally in my opinion, instead of a new bull market as Bill Cara claims it to be.  In my opinion, there is no new bull market for the next 3 years [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/11/watch-for-a-pullback/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Platinum sold out in less than 24 hours</title>
		<link>http://www.1stMillionAt33.com/2008/10/platinum-sold-out-in-less-than-24-hours/</link>
		<comments>http://www.1stMillionAt33.com/2008/10/platinum-sold-out-in-less-than-24-hours/#comments</comments>
		<pubDate>Thu, 30 Oct 2008 14:41:22 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
		
	<category>Investing</category>
		<guid isPermaLink="false">http://www.1stMillionAt33.com/2008/10/platinum-sold-out-in-less-than-24-hours/</guid>
		
			<content:encoded><![CDATA[Did you see it at tulving.com?  I saw it, and was still contemplating whether I should pay $129 premium over spot price, or more than 15% over spot.  This morning waking up, it&#8217;s ALL gone.  Incredible.  Minimum order was about $5K dollar, and it&#8217;s all gone in less than 24 hours, [...]]]></content:encoded>
			<wfw:commentRSS>http://www.1stMillionAt33.com/2008/10/platinum-sold-out-in-less-than-24-hours/feed/</wfw:commentRSS>
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	</channel>
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