<?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>Fri, 30 Oct 2009 17:08:08 +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" href="http://feeds.feedburner.com/My1stMillionAt33" type="application/rss+xml" /><atom10:link xmlns:atom10="http://www.w3.org/2005/Atom" rel="hub" href="http://pubsubhubbub.appspot.com" /><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>0</slash:comments>
		</item>
		<item>
		<title>Time to change your auto insurance company?</title>
		<link>http://www.1stMillionAt33.com/2009/10/time-to-change-your-auto-insurance-company/</link>
		<comments>http://www.1stMillionAt33.com/2009/10/time-to-change-your-auto-insurance-company/#comments</comments>
		<pubDate>Sat, 17 Oct 2009 16:02:31 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Frugal Ways]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/10/time-to-change-your-auto-insurance-company/</guid>
		
			<content:encoded><![CDATA[I have noticed that Ameriprise, the auto insurance company thru Costco has been raising its price.  I just have recently changed to GEICO, because when calling their sales agent, he was willing to not only match the prices from Ameriprise, but also lower the price by a little bit more.
A solid proof again that [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/10/time-to-change-your-auto-insurance-company/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>Gold at new high in $US</title>
		<link>http://www.1stMillionAt33.com/2009/10/gold-at-new-high-in-us/</link>
		<comments>http://www.1stMillionAt33.com/2009/10/gold-at-new-high-in-us/#comments</comments>
		<pubDate>Tue, 06 Oct 2009 15:57:16 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Gold/Silver]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/10/gold-at-new-high-in-us/</guid>
		
			<content:encoded><![CDATA[Gold broke all time record in $US today.  It is a confirmation that the bull market is alive.
Some people could argue that this may be a double top.  That is definitely possible.  However, if gold does get up to more than $1100, then I think that argument is a little weak.  [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/10/gold-at-new-high-in-us/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Reality check of option ARM recast</title>
		<link>http://www.1stMillionAt33.com/2009/10/reality-check-of-option-arm-recast/</link>
		<comments>http://www.1stMillionAt33.com/2009/10/reality-check-of-option-arm-recast/#comments</comments>
		<pubDate>Mon, 05 Oct 2009 19:30:54 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/10/reality-check-of-option-arm-recast/</guid>
		
			<content:encoded><![CDATA[I have blogged about &#8220;different ways for a busted refinancing plan&#8221; back in 2006 at the height of housing market.  I argued that once the housing markets fall, most of the real estate &#8220;investors&#8221; will NOT be able to refinance out of their payment troubles.  It was very clear to me that a [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/10/reality-check-of-option-arm-recast/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Interesting inflation/deflation debate on financialsense.com</title>
		<link>http://www.1stMillionAt33.com/2009/09/interesting-inflationdeflation-debate-on-financialsensecom/</link>
		<comments>http://www.1stMillionAt33.com/2009/09/interesting-inflationdeflation-debate-on-financialsensecom/#comments</comments>
		<pubDate>Tue, 22 Sep 2009 06:36:40 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/09/interesting-inflationdeflation-debate-on-financialsensecom/</guid>
		
			<content:encoded><![CDATA[There is an interesting ongoing debate on inflation versus deflation at financialsense.com.  This week was a debate between Mish and Daniel Amerman.  Mish has been one of the most vocal deflationist before the stock market collapse, and he has nailed it correctly.  Getting the big picture correct on inflation/deflation is probably the [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/09/interesting-inflationdeflation-debate-on-financialsensecom/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
<enclosure url="http://www.netcastdaily.com/broadcast/fsn2009-0919-3a.mp3" length="23330698" type="audio/mpeg" />
		</item>
		<item>
		<title>Dow back to 10,000 in a week (or tomorrow)?</title>
		<link>http://www.1stMillionAt33.com/2009/09/dow-back-to-10000-in-a-week-or-tomorrow/</link>
		<comments>http://www.1stMillionAt33.com/2009/09/dow-back-to-10000-in-a-week-or-tomorrow/#comments</comments>
		<pubDate>Thu, 17 Sep 2009 06:55:40 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/09/dow-back-to-10000-in-a-week-or-tomorrow/</guid>
		
			<content:encoded><![CDATA[The strength in this market rally has been beyond amazing.  Now I&#8217;m fearing that all sectors are going to make a last parabolic hurray before taking a correction, with energy sector (especially natural gas) making a quick catch-up.
My net worth has been undergoing dramatic changes as market rallies further.  I have benefited greatly [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/09/dow-back-to-10000-in-a-week-or-tomorrow/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Is the market peaking, and time to sell gold?</title>
		<link>http://www.1stMillionAt33.com/2009/09/is-the-market-peaking-and-time-to-sell-gold/</link>
		<comments>http://www.1stMillionAt33.com/2009/09/is-the-market-peaking-and-time-to-sell-gold/#comments</comments>
		<pubDate>Fri, 11 Sep 2009 15:03:20 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/09/is-the-market-peaking-and-time-to-sell-gold/</guid>
		
			<content:encoded><![CDATA[Just some of my market observations.
1. Let&#8217;s start with the easier ones.  Time to sell gold?  NO WAY.  In fact, I will be buying more if there is a 50% pullback from any short-term high that is being established.  I didn&#8217;t buy more nor sell my positions.  My patience is [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/09/is-the-market-peaking-and-time-to-sell-gold/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>HongKong demands its gold back from London</title>
		<link>http://www.1stMillionAt33.com/2009/09/hongkong-demands-its-gold-back-from-london-2/</link>
		<comments>http://www.1stMillionAt33.com/2009/09/hongkong-demands-its-gold-back-from-london-2/#comments</comments>
		<pubDate>Fri, 04 Sep 2009 09:39:46 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Gold/Silver]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/09/hongkong-demands-its-gold-back-from-london-2/</guid>
		
			<content:encoded><![CDATA[HongKong is going to keep its own gold in the newly built vault.  When the party that keeps your &#8220;money&#8221; (in gold) can be insolvent, there is no guarantee that you will get your &#8220;money&#8221; back.  I don&#8217;t know whether this news has anything to do with the two days of the vertical [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/09/hongkong-demands-its-gold-back-from-london-2/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Back-to-School Season</title>
		<link>http://www.1stMillionAt33.com/2009/08/back-to-school-season/</link>
		<comments>http://www.1stMillionAt33.com/2009/08/back-to-school-season/#comments</comments>
		<pubDate>Sun, 30 Aug 2009 17:05:45 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/08/back-to-school-season/</guid>
		
			<content:encoded><![CDATA[With Wallstreet traders returning from summer vacation, the coming September &#038; October will probably have higher volatility for sure.  Yeah, I&#8217;m also coming back from my two weeks visit to my parents.
During July &#038; August, markets have relentlessly grinded shorts and continued its march to higher prices.  Volume has not been big.  [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/08/back-to-school-season/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Going from thirties to fourties</title>
		<link>http://www.1stMillionAt33.com/2009/08/going-from-thirties-to-fourties/</link>
		<comments>http://www.1stMillionAt33.com/2009/08/going-from-thirties-to-fourties/#comments</comments>
		<pubDate>Fri, 14 Aug 2009 07:02:08 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Miscellany]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/08/going-from-thirties-to-fourties/</guid>
		
			<content:encoded><![CDATA[People say that one may have a mid-life crisis around 40s.  That&#8217;s definitely true.
When I started blogging, I have always thought that I&#8217;m &#8220;young&#8221; and energetic.  But a reader while in college addressed me as &#8220;Sir&#8221; as if I&#8217;m so much older.  Come on, about 10 years ago, I was still in [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/08/going-from-thirties-to-fourties/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>Echo bubble in California real estate</title>
		<link>http://www.1stMillionAt33.com/2009/08/echo-bubble-in-california-real-estate/</link>
		<comments>http://www.1stMillionAt33.com/2009/08/echo-bubble-in-california-real-estate/#comments</comments>
		<pubDate>Mon, 10 Aug 2009 16:00:27 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/08/echo-bubble-in-california-real-estate/</guid>
		
			<content:encoded><![CDATA[From several of my friends, I&#8217;ve heard that people are bidding the homes again like crazy for the last four months.  Many properties sold at the asking prices or above, receiving multiple bids.  Home prices actually have gone up by up to 10% versus prices from last year.  People just never learn [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/08/echo-bubble-in-california-real-estate/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>A homeless left behind gifts of four million dollar</title>
		<link>http://www.1stMillionAt33.com/2009/08/a-homeless-left-behind-gifts-of-four-million-dollar/</link>
		<comments>http://www.1stMillionAt33.com/2009/08/a-homeless-left-behind-gifts-of-four-million-dollar/#comments</comments>
		<pubDate>Mon, 03 Aug 2009 08:11:27 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Frugal Ways]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/08/a-homeless-left-behind-gifts-of-four-million-dollar/</guid>
		
			<content:encoded><![CDATA[Not sure if any of you catch this story from NPR (national public radio).  A homeless person gave $400,000 to NPR, and several other nonprofit organization.
Richard Leroy Walters was a retired engineer from AlliedSignal Corp, but who gave up all the materialism of this world, and what could be afforded to him.  Didn&#8217;t [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/08/a-homeless-left-behind-gifts-of-four-million-dollar/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<title>New high for the year, what’s next?</title>
		<link>http://www.1stMillionAt33.com/2009/07/new-high-for-the-year-whats-next/</link>
		<comments>http://www.1stMillionAt33.com/2009/07/new-high-for-the-year-whats-next/#comments</comments>
		<pubDate>Fri, 24 Jul 2009 15:22:49 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/07/new-high-for-the-year-whats-next/</guid>
		
			<content:encoded><![CDATA[The short term rise in the stock market have been bewildering to say the least.  Yes, I was short into the fall, and I have burned up my money.  Nevertheless, because my net worth overall is still net long (and very long because I can&#8217;t offset my stock option positions), my net worth [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/07/new-high-for-the-year-whats-next/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>Paying borrow fees on shorted shares</title>
		<link>http://www.1stMillionAt33.com/2009/07/paying-borrow-fees-on-shorted-shares/</link>
		<comments>http://www.1stMillionAt33.com/2009/07/paying-borrow-fees-on-shorted-shares/#comments</comments>
		<pubDate>Tue, 21 Jul 2009 09:31:14 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/07/paying-borrow-fees-on-shorted-shares/</guid>
		
			<content:encoded><![CDATA[InteractiveBroker is just going nuts on charging 3% to 8% on borrowing shares.  Such borrowing rate is just ridiculuous.  As far as I understand, all of my shares in my margin account can be lent out for the benefit of Interactive Broker.  They don&#8217;t pass those borrow fees to me, but they [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/07/paying-borrow-fees-on-shorted-shares/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Dumb investors in GMGMQ.PK (the old General Motor)</title>
		<link>http://www.1stMillionAt33.com/2009/07/dumb-investors-in-gmgmqpk-the-old-general-motor/</link>
		<comments>http://www.1stMillionAt33.com/2009/07/dumb-investors-in-gmgmqpk-the-old-general-motor/#comments</comments>
		<pubDate>Fri, 10 Jul 2009 14:35:05 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/07/dumb-investors-in-gmgmqpk-the-old-general-motor/</guid>
		
			<content:encoded><![CDATA[Sorry to be so blunt.  But I really really hope that my post can save some of those hopeless souls.
There is simply no values in GMGMQ.PK.  Yes, the new GM is emerging out of bankruptcy, but the old shareholders won&#8217;t be getting anything.  The new GM has been severed from the old [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/07/dumb-investors-in-gmgmqpk-the-old-general-motor/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>How much will you get in food stamp?</title>
		<link>http://www.1stMillionAt33.com/2009/07/how-much-will-you-get-in-food-stamp/</link>
		<comments>http://www.1stMillionAt33.com/2009/07/how-much-will-you-get-in-food-stamp/#comments</comments>
		<pubDate>Fri, 10 Jul 2009 08:02:37 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Miscellany]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/07/how-much-will-you-get-in-food-stamp/</guid>
		
			<content:encoded><![CDATA[I finally know what EBT is, whenever I swipe my credit card at the grocery stores.  EBT is Electronic Benefits Transfer, an electronic system designed to reduce food stamp fraud.
Ever wonder how much you could get in food stamp?
The other day when my family ate at the Boston Market, a lady pushing her toddler [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/07/how-much-will-you-get-in-food-stamp/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Should you settle your car collision outside of your insurance?</title>
		<link>http://www.1stMillionAt33.com/2009/07/should-you-settle-your-car-collision-outside-of-your-insurance/</link>
		<comments>http://www.1stMillionAt33.com/2009/07/should-you-settle-your-car-collision-outside-of-your-insurance/#comments</comments>
		<pubDate>Tue, 07 Jul 2009 05:49:56 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Insurance]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/07/should-you-settle-your-car-collision-outside-of-your-insurance/</guid>
		
			<content:encoded><![CDATA[I had a perfect accident-free driving record for the last twenty years until this weekend.  Coming back home from vacation during the July 4th long weekend, I hit the bumper of the car in front at a speed of less than 2 miles per hour.  Why?  Thanks to all the new distractions [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/07/should-you-settle-your-car-collision-outside-of-your-insurance/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>First fall is not as ugly (yet)</title>
		<link>http://www.1stMillionAt33.com/2009/06/first-fall-is-not-as-ugly-yet/</link>
		<comments>http://www.1stMillionAt33.com/2009/06/first-fall-is-not-as-ugly-yet/#comments</comments>
		<pubDate>Tue, 23 Jun 2009 14:43:45 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/06/first-fall-is-not-as-ugly-yet/</guid>
		
			<content:encoded><![CDATA[With Monday drop in the stock markets, sentiments have temporarily turned.  I think before the first week of July, stocks may be still in the &#8220;levitation&#8221; stage, meaning that a big drop won&#8217;t come yet.  Plus that today and tomorrow, Fed will come out and swing again.  We are sure to see [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/06/first-fall-is-not-as-ugly-yet/feed/</wfw:commentRss>
		<slash:comments>13</slash:comments>
		</item>
		<item>
		<title>Asset class choices – Getting the big picture correct</title>
		<link>http://www.1stMillionAt33.com/2009/06/asset-class-choices-getting-the-big-picture-correct/</link>
		<comments>http://www.1stMillionAt33.com/2009/06/asset-class-choices-getting-the-big-picture-correct/#comments</comments>
		<pubDate>Tue, 23 Jun 2009 05:53:56 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/06/asset-class-choices-getting-the-big-picture-correct/</guid>
		
			<content:encoded><![CDATA[Getting the big picture correct is by far the most important in investing.  The second most important thing is timing.  If you get the first right, but not the second thing right, your performance can still be good.  If you get both right, you can have an out-sized performance.  But if [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/06/asset-class-choices-getting-the-big-picture-correct/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Net worth review of the last 3 years</title>
		<link>http://www.1stMillionAt33.com/2009/06/net-worth-review-of-the-last-3-years/</link>
		<comments>http://www.1stMillionAt33.com/2009/06/net-worth-review-of-the-last-3-years/#comments</comments>
		<pubDate>Mon, 15 Jun 2009 08:32:27 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[My Portfolio]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/06/net-worth-review-of-the-last-3-years/</guid>
		
			<content:encoded><![CDATA[Keeping a history of all the numbers force me to be honest with myself.  After blogging for three years already, there were so many up &#038; down in my own money.
2006/5/9 was the first day of the record of my own net worth.  My scaled down net worth number had $555629.93, which I [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/06/net-worth-review-of-the-last-3-years/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Banks paying back taxpayers’ money in order to pay CEO more</title>
		<link>http://www.1stMillionAt33.com/2009/06/banks-paying-back-taxpayers-money-in-order-to-pay-ceo-more/</link>
		<comments>http://www.1stMillionAt33.com/2009/06/banks-paying-back-taxpayers-money-in-order-to-pay-ceo-more/#comments</comments>
		<pubDate>Tue, 09 Jun 2009 16:43:34 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Real Estate]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/06/banks-paying-back-taxpayers-money-in-order-to-pay-ceo-more/</guid>
		
			<content:encoded><![CDATA[Ten large banks are paying back treasury with 68 billion dollars, so that they can be freed from government meddling in paying their executives.  Now that all of their accounting book is blessed with marked-to-fantasy, they don&#8217;t need the cash anymore.  Can we put in a clause in the payback that &#8220;please don&#8217;t [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/06/banks-paying-back-taxpayers-money-in-order-to-pay-ceo-more/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Trading Lessons on the bankrupt GM</title>
		<link>http://www.1stMillionAt33.com/2009/06/trading-lessons-on-the-bankrupt-gm/</link>
		<comments>http://www.1stMillionAt33.com/2009/06/trading-lessons-on-the-bankrupt-gm/#comments</comments>
		<pubDate>Mon, 01 Jun 2009 13:20:25 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/06/trading-lessons-on-the-bankrupt-gm/</guid>
		
			<content:encoded><![CDATA[The amount of &#8220;irrational exuberance&#8221; is simply amazing in the US stock markets.  I am always amazed by such eternal positive spirits.  In fact, going against irrational exuberance has hurt my performance several times, back in 2000 near the high-tech mania, and back in 2007 May/June, right before the stock market collapse.  [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/06/trading-lessons-on-the-bankrupt-gm/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Too busy selling stocks</title>
		<link>http://www.1stMillionAt33.com/2009/05/too-busy-selling-stocks/</link>
		<comments>http://www.1stMillionAt33.com/2009/05/too-busy-selling-stocks/#comments</comments>
		<pubDate>Thu, 28 May 2009 18:30:48 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/05/too-busy-selling-stocks/</guid>
		
			<content:encoded><![CDATA[I have not been able to post much.  Almost everyday, I&#8217;m selling some stocks.  No complaint at all.  It&#8217;s always better to sell at a good price than at a bad price.  I&#8217;m even selling some of my PM mining stocks, since they&#8217;ve really gone up too fast.  Some stocks [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/05/too-busy-selling-stocks/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>The Echo Wave of the Grand Finale (in 2007)</title>
		<link>http://www.1stMillionAt33.com/2009/05/the-echo-wave-of-the-grand-finale-in-2007/</link>
		<comments>http://www.1stMillionAt33.com/2009/05/the-echo-wave-of-the-grand-finale-in-2007/#comments</comments>
		<pubDate>Wed, 20 May 2009 15:38:02 +0000</pubDate>
		<dc:creator>Frugal</dc:creator>
				<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.1stMillionAt33.com/2009/05/the-echo-wave-of-the-grand-finale-in-2007/</guid>
		
			<content:encoded><![CDATA[Be extra careful of going forward.  The good days are counted in weeks, if not in days.
Stock markets remain exuberant, and possibly will remain so until the end of May.  If June turns out to break new recent height, it will defy all experts on advising to &#8220;sell in May and go away&#8221;. [...]]]></content:encoded>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/05/the-echo-wave-of-the-grand-finale-in-2007/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<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><![CDATA[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>
		<slash:comments>2</slash:comments>
		</item>
		<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><![CDATA[Gold/Silver]]></category>
		<category><![CDATA[Natural Resources]]></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>
		<slash:comments>2</slash:comments>
		</item>
		<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><![CDATA[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>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<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><![CDATA[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>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<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><![CDATA[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>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/04/if-goldsilver-is-good-diamonds-must-be-good/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<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><![CDATA[Mortgage]]></category>
		<category><![CDATA[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>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<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><![CDATA[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>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<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><![CDATA[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>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/03/ramits-book-i-will-teach-you-to-be-rich/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<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><![CDATA[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>
			<wfw:commentRss>http://www.1stMillionAt33.com/2009/03/cgmfx-a-former-star-falling-on-the-hard-time-a-lesson-on-portfolio-mis-management/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<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><![CDATA[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>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<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><![CDATA[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>
		<slash:comments>12</slash:comments>
		</item>
		<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><![CDATA[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>
		<slash:comments>7</slash:comments>
		</item>
		<item>
		<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><![CDATA[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>
		<slash:comments>8</slash:comments>
		</item>
		<item>
		<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><![CDATA[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>
		<slash:comments>5</slash:comments>
		</item>
		<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><![CDATA[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>
		<slash:comments>12</slash:comments>
		</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><![CDATA[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>
		<slash:comments>4</slash:comments>
		</item>
	</channel>
</rss>
