Posted by TJ on Wednesday July 16, 2008 @ 10:01 AM
[Tags: economy, internet, thoughts]

Who will benefit from the falling economy and fears of recession?

Internet advertisers, thats who. Gas prices have increased dramatically and so has all prices in general which have led to some people skipping their vacations, trips to shopping malls, leisure activities to spend more time at home. What do people do at home? Browse the internet. And there's only so much someone can do online before they will click an advertisement, even if they have a strict no click policy against advertisements.

Now some may also argue that this increase in internet users will be washed away by others who cancel their internet because of the economy. Don't kid yourself... it's impossible to live without internet in this day and age...right?

Update
Apparantently internet auction websites benefit as well. eBay's profit increased 22% in the last quarter. I guess everybody is buying is used gas on there or something. What ever happened to the purported boycott of eBay to due the site's change in fees and feedback policy??

Source: EBay profit jumps 22% CNN.com
Source: EBay seller boycott set to start Monday CNN.com

Posted by TJ on Friday July 11, 2008 @ 02:25 PM
[Tags: guide, humor, bored]

Is your son a tagger? I saw this while doing a Google Image Search. It comes from the website of the City of Santa Ana, California.


This is not only ridiculous because all of these points are obvious. If my child had any of these things it would lead to ask him "what the heck are you doing with that?

Source: http://www.ci.santa-ana.ca.us/pd/Graffiti.asp

Posted by TJ on Friday July 11, 2008 @ 10:50 AM
[Tags: personal, house]

Okay this domain never was more relevant as I am in process of purchasing my own home, a 2 bed 1.5 bath Condo in Mt Kisco. I am set to close any where between 7/31 and 8/15. Here's a first sneak peak of my new home, let's call it TJSHOME.

Posted by TJ on Monday July 7, 2008 @ 03:56 PM
[Tags: personal, accounting, house]

My whole life I've never was in debt. Living paycheck to paycheck just wasnt my style. I've never carried a balance on my credit card. I did use student loans while in college but only to take advantage of the low interest rates and was sure to pay them off within 6 months of graduating.

Now I did make some concessions to avoid debt for 27 years:

• I went to Community college,
• I started out with a crappy car once I got my license even though I had 30k available to me. In fact the car couldn't even go more than 3 miles or else it overheated
• I got a job as soon as some one would hire me at age of 16 and even had two part time jobs for most of the time while still juggling high school and college.
• I was had to endure my friends and family calling me the cheap one because I never spent wads on toys or electronics..oh the pain.

Well now I enter the debt zone in a couple months with my first house. The 30 fixed mortgage is sure to put me in debt for along time. And the state of the economy and the housing market doesn't help ease anything. I will still not be living paycheck to paycheck as I made sure to keep more than 3 months emergency fund (on top of money for closing costs and furnishings), however, I think that I am going to make it my sole objective to pay off the mortgage in as little time as realistically possible. Now looking at my savings over the last month I could have possibly afforded a 15 year mortage, or $753/month more in mortgage payments. This of course leaves little room for unforseen circumstances and wouldnt be that smart of financial plan. But I think what I am going to do is save my money at the same pace I always have been and once I saved enough to make an extra payment I will (for instance make two payments in one month) and if I average at least 6 extra payments a year I would not only be financially free in half the time but save my self ~200k in interest. During my loan prequalification I made sure to clear up that two things were available with my loan online payments and no prepayment penalties to make paying off early easier.

Posted by TJ on Thursday July 3, 2008 @ 11:57 AM
[Tags: internet, news, business]



This can't be anything but bad news for the future of youtube.com. I think this is a huge evasion of privacy as the judge should at least ordered a censored list with no name or ip addresses.

Link: http://blog.wired.com/27bstroke6/2008/07/judge-orders-yo.html

Posted by TJ on Tuesday July 1, 2008 @ 02:06 PM
[Tags: news, links, internet]

It must be a slow day over at CNN he is what the professional journalist are reporting in today...

• Live WWII bombs haunt neighborhood
  
• Scientists set sights on invisibility cloaks
  
• Study: Some sunscreens overpromise


• Chevron chief, RFK, Jr., debate energy choices
  
• CNNMoney: Americans may vote their wallets
• iReport.com: Ask Rudy Giuliani about McCain
• Did Bill Clinton diss Obama?
• Report: Jolie in hospital to give birth
  
• Mugabe tells Britain to 'hang'
• Time: Is Osama bin Laden dying ... again?
• Why one girl refuses to remember
• Cops: Man collected, drank boys' urine
• Reporter falls trying to 'mail jump'
• WPBF: Cops: Cat held hostage for dog's return
• Girl, 5, chirps book review; boy, 8, dishes
• Odor-masking, wash, dry & 'go' toilets

Wow, now I left out a few that were actual news stories but these are the actual headlines posted on cnn.com homepage

Posted by TJ on Tuesday June 24, 2008 @ 09:30 AM
[Tags: links, vacation]

If you are going to go on a cruise you mine as well use this company. Quark expeditions is a national tour company that offers cruise expeditions to the antartic. Their fleet of ships includes icebreakers and boats with helicopters. You can go see penguins at a rate of $8,000-$30,000

http://www.quarkexpeditions.com/

Posted by TJ on Monday June 23, 2008 @ 12:51 PM
[Tags: tv, serious, rip]

What a funny guy and influence to the world of comedy