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| fetched via localhost | 2 September 2010, 3:55 pm |
| jacqueline sauulr [ mail: jacqueline.sauulr[at]bongfaschist.de | homepage: jacqueline.bongfaschist.de ] | On Digg Today, Everything Went Better Than Expected |
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The implosion of Digg is happening. It is an unstoppable conclusion to events that have been in motion since last week and will continue until the full
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| fetched via localhost | 2 September 2010, 2:55 pm |
| holger xale [ mail: holger.xale[at]jasmin-wagner-fans.com | homepage: holger.jasmin-wagner-fans.com ] | 4-year-old Brooklyn girl weighing only 15 pounds found dead |
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A 4-year-old Brooklyn girl who weighed only a shocking 15 pounds was found dead this morning, with her arms and legs tied to a crib with twine.
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| fetched via localhost | 2 September 2010, 2:54 pm |
| walther xam [ mail: walther.xam[at]streng-katholisch.de | homepage: walther.streng-katholisch.de ] | Illegal Outrage: Why Machete May Be Booed In Border States |
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Robert Rodriguez tackles immigration issues by decapitating dissenters.
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| fetched via localhost | 2 September 2010, 2:32 pm |
| brunhild lnihubdr [ mail: brunhild.lnihubdr[at]ich-blicks.net | homepage: brunhild.ich-blicks.net ] | This was the only thing keeping me on Digg :( |
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syntaxgs: An internet hero
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| fetched via localhost | 2 September 2010, 1:45 pm |
| marianne otivarik [ mail: marianne.otivarik[at]streng-katholisch.de | homepage: marianne.streng-katholisch.de ] | Did BP Assassinate This Man? | Death and Taxes |
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On August 8th, 2010, sometime in the late evening, investment banker, oil industry insider and energy advisor to President George W. Bush, Matthew Simmons, put on a pair of swimming trunks, climbed into his hot tub at his Maine home and attempted to relax after a long day’s work. By 10:00pm Simmons had been found dead, floating in the hot tub of an apparent drowning.
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| fetched via localhost | 2 September 2010, 1:27 pm |
| charles erpet [ mail: charles.erpet[at]spermageile-schlampe.de | homepage: charles.spermageile-schlampe.de ] | Could The Big Bang Theory Be Wrong? |
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A physicist has new ideas about the origins of our universe, possibly rendering the Big Babng theory obsolete!
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| fetched via localhost | 2 September 2010, 12:46 pm |
| albrecht rifhdreci [ mail: albrecht.rifhdreci[at]bongfaschist.de | homepage: albrecht.bongfaschist.de ] | The crap we put up with getting on and off an airplane - The Oatmeal |
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Airports don't bother me - it's the people at airports that do.
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| fetched via localhost | 2 September 2010, 12:34 pm |
| alexander xdarenlea [ mail: alexander.xdarenlea[at]jasmin-wagner-fans.com | homepage: alexander.jasmin-wagner-fans.com ] | David Letterman Calls Paris Hilton 'An Idiot' |
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Paris Hilton has had better weeks: The socialite, who was arrested on drug charges in Las Vegas Friday night, is now the late night punch line of the week as well, as David Letterman joked about her recent misfortunes on The Late Show Wednesday.
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| fetched via localhost | 2 September 2010, 11:58 am |
| rüdiger uet [ mail: rüdiger.uet[at]ich-blicks.net | homepage: rüdiger.ich-blicks.net ] | Sony Ericsson wants to be largest Android handset maker |
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Sony Ericsson is aiming high, as the company said it wants to be the world’s biggest supplier of Android phones. It has its work cut out for it.
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| fetched via localhost | 2 September 2010, 11:13 am |
| stephan vae [ mail: stephan.vae[at]bongfaschist.de | homepage: stephan.bongfaschist.de ] | iFixit tears apart the Nintendo Famicon |
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Do you remember the Nintendo Family Computer, or Famicon? Well, you might not -- it came to earth in 1983 and was Japan's version of the NES. Now, continuing its week of vintage teardowns, iFixit's gotten its hands on one of these colorful gems and done what it does. The Famicon is pretty easily dismantled, and simple inside, as well. As you can see, there's almost nothing going on in there! There's one more photo below, but hit up the source link for the full set.Continue reading iFixit tears apart the Nintendo FamiconiFixit tears apart the Nintendo Famicon originally appeared on Engadget on Thu, 02 Sep 2010 14:04:00 EDT. Please see our terms for use of feeds.Permalink | iFixit |Email this|Comments
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| fetched via localhost | 2 September 2010, 10:43 am |
| samuel ngnneih [ mail: samuel.ngnneih[at]streng-katholisch.de | homepage: samuel.streng-katholisch.de ] | Leaked Military Study on Peak Oil Warns of Severe Global Energy Crisis |
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A study on energy supply conducted by a German military think tank reports on the potential for serious consequences as oil production declines.
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| fetched via localhost | 2 September 2010, 10:43 am |
| ursula aeianmrn [ mail: ursula.aeianmrn[at]hamgang.de | homepage: ursula.hamgang.de ] | In Case of Zombies |
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In Case of Zombies, a classic Threadless t-shirt by Olly Moss.
This is a blog post from Laughing Squid, subscribe via RSS, Email, Twitter, Facebook & Tumblr.
Here are a few other possibly related posts you might enjoy:-A T-Shirt For People Who Love Killing Zombies
-Plants vs. Zombies
-Warning: Zombies Returning To San Francisco
-Zombies Invade San Francisco!
-$0.99 Cardboard iPhone Recession Case
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| fetched via localhost | 2 September 2010, 9:43 am |
| christian uethlm [ mail: christian.uethlm[at]creation-asociale.com | homepage: christian.creation-asociale.com ] | Earl threatens East Coast with weekend pounding |
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BUXTON, N.C. - Hurricane Earl packed winds near 140 mph as it blew toward North Carolina on Thursday, putting the Eastern Seaboard up to Maine on alert for a Labor Day weekend pounding by waves, gales and rain.
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| fetched via localhost | 2 September 2010, 9:26 am |
| samuel aaglneik [ mail: samuel.aaglneik[at]bongfaschist.com | homepage: samuel.bongfaschist.com ] | The Scariest Bridges From Around The World [Pics] |
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An unbelievable list of sky high vehicular bridges, super high suspension bridges, and creepy rope bridges; there is surely something here to cause you some chills or thrills.
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| fetched via localhost | 2 September 2010, 9:25 am |
| roberta ehdnbatrr [ mail: roberta.ehdnbatrr[at]creation-asociale.com | homepage: roberta.creation-asociale.com ] | Cat Fight!!! (Video) |
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The Women's NCAA soccer season is back in the swing of things, and you now what that means....Cat Fights! This time around it was the Oregon Ducks' Mercedes Walters doing the slapping, clawing, and hair pulling. As for her victim, that would be the lovely Kyndall Treadwell of Oklahoma State.
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| fetched via localhost | 2 September 2010, 9:16 am |
| rudi ertebrh [ mail: rudi.ertebrh[at]fickschlitten.com | homepage: rudi.fickschlitten.com ] | Gulf Oil Rig Explodes Off Louisiana Coast, Sending 13 Crew Members Into the Water |
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The Coast Guard said initial reports indicated all 13 crew members from the rig were in the water.
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| fetched via localhost | 2 September 2010, 9:01 am |
| petra roeilv [ mail: petra.roeilv[at]bongfaschist.com | homepage: petra.bongfaschist.com ] | Oval Office Redecoration (In Pictures) |
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One of the most famous parts of the White House, the president's Oval Office, is redecorated for Barack Obama.
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| fetched via localhost | 2 September 2010, 8:54 am |
| sabine xma [ mail: sabine.xma[at]jasmin-wagner-fans.com | homepage: sabine.jasmin-wagner-fans.com ] | Gulf oil rig explodes off La. coast |
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Coast Guard: Offshore oil rig in Gulf of Mexico explodes; west of site of BP rig
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| fetched via localhost | 2 September 2010, 8:45 am |
| matthias terpe [ mail: matthias.terpe[at]creation-asociale.com | homepage: matthias.creation-asociale.com ] | Hurricane Earl's eye on track to pass near Outer Banks late Thursday |
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Storm expected to weaken as it approaches New England on Friday
Hurricane Earl Advisory No. 33 NWS TPC / National Hurricane Center Miami FL11:00 a.m. EDT Thu Sept. 02 2010
View full sizeNOAAHurricane Earl is shown southeast of the Carolina coast in this current infrared satellite image.
Dangerous Hurricane Earl heading for the Outer Banks of North Carolina, hurricane warnings issued for portions of Massachusetts.
At 11:00 a.m. EDT the eye of Hurricane Earl was located near latitude 30.9 north, longitude 74.8 west. Earl is now moving toward the north near 18 mph, 30 km/hr. A turn toward the north-northeast with an increase in forward speed is expected on Friday. On the forecast track, the center of Earl will pass near the North Carolina Outer Banks tonight, and approach southeastern New England Friday night.
Maximum sustained winds are near 140 mph, 220 km/hr, with higher gusts. Earl is a category four hurricane on the Saffir-Simpson Hurricane Wind Scale. No significant change in strength is expected today, but gradual weakening should begin on Friday.
Hurricane force winds extend outward up to 90 miles, 150 km, from the center, and tropical storm force winds extend outward up to 230 miles, 370 km.
Estimated minimum central pressure is 932 mb, 27.52 inches.
Summary of 11:00 a.m. EDT information: Location: 30.9n 74.8w about 300 mi, 485 km s of Cape Hatteras North Carolina about 765 mi, 1230 km ssw of Nantucket Massachusetts Maximum Sustained Winds: 140 mph, 220 km/hr Present Movement: n or 355 degrees at 18 mph, 30 km/hr Minimum Central Pressure: 932 mb, 27.52 inches
Summary of watches and warnings in effect:
A hurricane warning is in effect for, * Bogue Inlet North Carolina northeastward to the North Carolina/Virginia border including the Pamlico and Albemarle sounds. * westport Massachusetts eastward around cape cod to hull including Marthas Vineyard and Nantucket Island
A hurricane watch is in effect for, * north of the North Carolina/Virginia border to Cape Henlopen Delaware.
A tropical storm warning is in effect for, * Cape Fear to west of Bogue Inlet North Carolina. * north of the North Carolina/Virginia border to Sandy Hook New Jersey, including Delaware bay south of Slaughter Beach and the Chesapeake Bay south of New Point Comfort. * the eastern portion of Long Island New York from Fire Island Inlet to Port Jefferson Harbor. * New Haven Connecticut to west of Westport Massachusetts, including Block Island.
A tropical storm watch is in effect for, * north of hull Massachusetts to Eastport Maine. * the coast of Nova Scotia from Port Maitland to Medway Harbour. * the coast of Long Island west of Fire Island Inlet and Port Jefferson Harbor.
Hazards affecting land:Winds: Tropical-storm-force winds are expected to reach the North Carolina coast within the warning area by this afternoon. Even if the center of Earl remains offshore, hurricane force winds are expected to occur in the Outer Banks by tonight. Tropical-storm- force winds will likely reach the coast from Virginia northward to New Jersey tonight or early Friday.
Storm surge:A dangerous storm surge will raise water levels by as much as 3 to 5 feet above ground level within both hurricane warning areas and the lower Chesapeake Bay. Elsewhere within the tropical storm warning area, storm surge will raise water levels by as much as 1 to 3 feet above ground level. Near the coast, the surge will be accompanied by large and destructive waves.
Rainfall: Accumulations of 2 to 4 inches, with isolated maximum amounts of 6 inches, are expected over portions of eastern North Carolina including the Outer Banks. Accumulations of 1 to 2 inches are possible farther to the north along the immediate mid-Atlantic coast.
Surf: Large swells from Earl will continue to affect the Bahamas and the east coast of the United States through Friday. These swells will likely cause dangerous surf conditions and rip currents.
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| fetched via localhost | 2 September 2010, 8:26 am |
| christina hsna [ mail: christina.hsna[at]mudjaheddin.de | homepage: christina.mudjaheddin.de ] | FICO: A Look at Credit Reporting Agencies (Infographic) |
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Here's an in-depth look at credit reporting agencies and what the reports (and your score) entail.
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| fetched via localhost | 2 September 2010, 8:26 am |
| rudi tnhairk [ mail: rudi.tnhairk[at]spermageile-schlampe.de | homepage: rudi.spermageile-schlampe.de ] | Your Library is Dying |
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The shape of information science is changing more radically and rapidly than ever, and our libraries can’t keep up.
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| fetched via localhost | 2 September 2010, 8:25 am |
| claudia izhn [ mail: claudia.izhn[at]ich-blicks.net | homepage: claudia.ich-blicks.net ] | Coast Guard responding to rig fire Gulf of Mexico; people reported in water |
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The Coast Guard is responding to a report of a rig on fire "and people in the water'' in the Gulf of Mexico south of Vermillion Bay, authorities said. Petty Officer Casey Ranel said the rig is around 80 miles south of Vermillion Bay and that a helicopter earlier today reported that it was in fire "and that there...
The Coast Guard is responding to a report of a rig on fire "and people in the water'' in the Gulf of Mexico south of Vermillion Bay, authorities said.
Petty Officer Casey Ranel said the rig is around 80 miles south of Vermillion Bay and that a helicopter earlier today reported that it was in fire "and that there was smoke and there were people in the water.''
Five helicopters, two airplanes and four boats are en route from Coast Guard stations in New Orleans and Houston, Ranel said.
She said the rig is owned by Mariner Energy, but that details were scarce.
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| fetched via localhost | 2 September 2010, 8:10 am |
| christoph asil [ mail: christoph.asil[at]strengkatholisch.de | homepage: christoph.strengkatholisch.de ] | Sexiest Eyes In Hollywood History - Female Edition! (PHOTOS) |
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Here it is. See if you can guess the stars by their eyes alone. And please let me know who I missed by leaving a comment below!
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| fetched via localhost | 2 September 2010, 8:07 am |
| axel rulwatda [ mail: axel.rulwatda[at]ich-blicks.net | homepage: axel.ich-blicks.net ] | Why Israelis Don't Care About Peace with Palestinians |
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Israelis feel prosperous, secure -- and disengaged from the peace process with the Palestinians. Is that wise?
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| fetched via localhost | 2 September 2010, 8:02 am |
| harold enahn [ mail: harold.enahn[at]creation-asociale.com | homepage: harold.creation-asociale.com ] | Apple's Ping network linked to trademark agreement |
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Apple's new Ping social network -- introduced alongside iTunes 10 -- required a special trademark agreement to make happen, a press statement reveals. Karsten Manufacturing notes that it technically owns the Ping name for one of its sub-brands, which produces golf equipment.
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| fetched via localhost | 2 September 2010, 7:47 am |
| klaus reabt [ mail: klaus.reabt[at]strengkatholisch.de | homepage: klaus.strengkatholisch.de ] | Record Recession Turning More Daughters, Mothers into Prostitutes |
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More women, many brand-new to the sex trade and acting as the sole support
for their families, have chosen to work in brothels because of economic
hardship brought on by the worst recession since the Great Depression.
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| fetched via localhost | 2 September 2010, 7:36 am |
| klaus ssnaom [ mail: klaus.ssnaom[at]fickschlitten.com | homepage: klaus.fickschlitten.com ] | Chewbacca Illustrated as Winnie-the-Pooh |
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Cue the "awww"
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| fetched via localhost | 2 September 2010, 7:33 am |
| sophie ulhrci [ mail: sophie.ulhrci[at]jasmin-wagner-fans.com | homepage: sophie.jasmin-wagner-fans.com ] | Digg V4 Math: How Does 20 diggs beat 100? |
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Digg V4 algorithm theory. How does 20 diggs beat 100 diggs?
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| fetched via localhost | 2 September 2010, 7:23 am |
| bernhard ehsntiric [ mail: bernhard.ehsntiric[at]spermageile-schlampe.de | homepage: bernhard.spermageile-schlampe.de ] | 10 Scene-Stealing Onscreen Pets |
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There’s no denying that adorable animals are often cast in big- and small-screen productions as a sidekick to warm the audience’s heart. However, there’s a special subset of animal actors that have become fan favorites. Whether they bark, meow, quack, scratch or dig, these 10 TV and movie pets stole the scene from their two-legged costars.
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| fetched via localhost | 2 September 2010, 6:57 am |
| henry rd¼eÃigr [ mail: henry.rd¼eÃigr[at]fickschlitten.com | homepage: henry.fickschlitten.com ] | Why Does Every Store in Japan Have Orange Balls at the Counter? |
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Filed under: Videos, Busted!I'll tell you right away, not because I like you but so this post shows up in search results:
These balls full of orange paint are anti-theft devices. When someone robs a store, the clerk can throw the ball at the perp (or at the perp's feet) so they're easily identified after they escape.
According to the Japan Times, though they're only thrown in 7% of robberies, the balls mostly work as a deterrent, since stores prominently display them. They're so visible that foreigners in Japan often wonder what they're there for. And in the video below, the clerks act adorable as they awkwardly explain why the visiting American shouldn't try to buy those orange balls on the counter.
via:// reddit
Permalink|Email this|LinkingBlogs|Comments
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| fetched via localhost | 2 September 2010, 4:35 am |
| arthur disirg [ mail: arthur.disirg[at]jasmin-wagner-fans.de | homepage: arthur.jasmin-wagner-fans.de ] | 10 Tips to Curb Impulse Spending |
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Impulse buying is something weve all done. Maybe it was a glossy magazine in the checkout line or a pair of shoes being offered at a price you couldnt pass up. These small, irrelevant items that find their way into your shopping cart can add up quickly. Although impulse buying has dealt a fatal blow to many a household budget, the good news is yours doesnt have to be next. Arming yourself with a few tips before you go out shopping can ensure you resist the urge to make these trivial (and costly) purchases for good.
1. Track spending trends.
At the beginning of the month, start a log. Write down everything you spend for a full month. At the end of that month, review your trends to see how much you spent impulsively. The results may startle you enough to kick start your anti-impulse buying campaign.
2. Make a list.
Know what you need before shopping. This cuts down on time spent browsing, which is most often when the impulse to buy strikes.
3. Use coupons.
If you do need to purchase an item, seek out a coupon first. These days, you can find a coupon for almost any product, from any retailer online. Gone are the days of coupon clipping. For example, if youre looking for Macys coupons, then simply go to your preferred search engine and type that in. Youll get pages full of website that publish coupons and deals.
4. Learn to separate needs from wants.
Make every attempt to justify your purchases based on a need instead of a want. Just because you want that leather jacket you saw on sale at the mall doesnt mean you need it especially with four others hanging in your closet.
5. Shop alone.
Friends, spouses and children can all be a hindrance on a budget-conscious shoppers mission. The urge to splurge gets stronger around certain influences such as shopaholic friends and crying children.
6. Eat before going shopping.
It sounds silly, but a lot of impulse shopping happens when people grocery shop on an empty stomach. Every thing is tempting, making shoppers more likely to buy pricier things than they would normally buy to satisfy a food craving.
7. Avoid temptation.
Some impulse buyers have a particular weakness. It might be cosmetics, clothing, DVDs or even books. Avoid these items. Dont even shop at the same stores. Change your shopping routine completely to get out of this rut.
8. Develop a mantra.
Remind yourself that every impulsive purchase you resist is $X toward a vacation or other special treat, $X more dollars in your savings account or $X less dollars in debt.
9. Shop sales smartly.
Some people wait all year for Black Friday when its possible to get the same kind of deals online. Cyber Monday is a holiday introduced a few years ago that allows online retailers to get in on the Black Friday madness. Its also easier to comparison shop online as some merchants normal prices are considerably higher than others.
10. Sleep on it.
If you find something that you think you truly cannot live without sleep on it. Return to the store the next day. If the urge is still there and still as strong, you might consider making the purchase. If not, recite your mantra from #8 and give yourself a pat on the back.
What tips do you have to curb impulse spending?
Helen Fang is an avid deal hunter and works for a Dealio.com, a comparison shopping, online coupons and daily deals website. Helen never pays retail and you shouldnt either. Get fresh coupons daily by following Dealio on Twitter.
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| fetched via localhost | 2 September 2010, 4:04 am |
| augustin mxa [ mail: augustin.mxa[at]spermageile-schlampe.de | homepage: augustin.spermageile-schlampe.de ] | Can Lessons Learned In Iraq Work In Afghanistan? : NPR |
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As the combat mission ends in Iraq, 30,000 additional troops are heading to Afghanistan. Comparisons between the two wars are inevitable. Gen. David Petraeus, who commanded U.S. forces in Iraq, brings to Afghanistan many familiar military faces and the strategy of creating local forces to take control of security at the grass-roots level.
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| fetched via localhost | 2 September 2010, 4:00 am |
| ursula vaoli [ mail: ursula.vaoli[at]jasmin-wagner-fans.com | homepage: ursula.jasmin-wagner-fans.com ] | 60% Of Apps In Android Market Are Free (Vs. 30% Or Less In Other App Stores) |
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App store analytics provider Distimo yesterday published its latest report, once again zooming in on the pricing of mobile applications across a variety of platforms.
Consistent with its previous findings, Googles Android Market has by far the largest share of free applications available compared to other mobile app store, but the gap is also widening.
In July 2010, 60% of all applications on Android Market were free of charge, representing an increase of 3% since May 2010 when it was 57%.
As you can tell from the graph below, that share is more than double the share of free apps on other mobile app stores, with the exception of Palms App Catalog (albeit barely).
The share of free applications is smallest on Windows Marketplace for Mobile (22%), followed by the Apple App Store for iPad (26%) and BlackBerry App World (26%).
(click image for full size)
Lets take a closer look at the prices of paid apps across mobile application stores.
Distimo posits that the average price of the 100 most popular apps in Android Market and Palms App Catalog is higher than the average price of the entire catalogue of applications.
While the average price of all applications is only 16% higher in the Apple App Store for iPad than in the App Store for iPhone, the average price of the 100 most popular applications is nearly three times as high in the former.
More than 60% of applications are priced below or equal to $2.00 in the App Store for iPhone, Android Market, Nokias Ovi Store and Palms App Catalog. The proportion of applications priced
below or equal to $2.00 is much lower in the App Store for iPad and Windows Marketplace for Mobile.
Notably, it seems prices of apps for iOS devices are on the rise. The proportion of paid applications priced below $1 on the Apple App Store for iPad and Apple App Store for iPhone has decreased in both in July 2010, from 30% to 25% and from 49% to 45%, respectively.
(click image for full size)
(click image for full size)
[crunchbase url="http://www.crunchbase.com/company/distimo" name="Distimo"]
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| fetched via localhost | 2 September 2010, 3:26 am |
| roger unsmdgi [ mail: roger.unsmdgi[at]hamgang.de | homepage: roger.hamgang.de ] | Mexico: Tales from an armed city |
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In Oaxaca Mexico, violence against Mexico indigenous people. Mexico politics deals with indigenous cultures.
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| fetched via localhost | 1 September 2010, 5:11 pm |
| jan terlaw [ mail: jan.terlaw[at]jasmin-wagner-fans.com | homepage: jan.jasmin-wagner-fans.com ] | Awesome Mass Effect 2 Cosplay of Miranda Lawson |
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While she may not be as hot as the voice actress of the original Miranda Lawson, Yvonne Strahovski, she is still indeed pulling it off with that nice ass.
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| fetched via localhost | 1 September 2010, 4:32 pm |
| stephan ernair [ mail: stephan.ernair[at]jasmin-wagner-fans.de | homepage: stephan.jasmin-wagner-fans.de ] | Welcome, Matt Williams! |
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Yesterday Digg announced that Matt Williams, currently an executive at Amazon, will be joining at CEO in September. From Kevins post:
Matt has spent the past 11 years in a variety of roles at Amazon, most recently as GM for Consumer Payments, and earlier in his career he led Amazons community efforts. He was the Founder and CEO of LiveBid.com, which was acquired by Amazon in May of 1999. Matt brings seasoned management experience and has a reputation for delivering innovative products and excellent results.
Welcome, Matt!
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| fetched via localhost | 1 September 2010, 4:15 pm |
| lisa rutrep [ mail: lisa.rutrep[at]spermageile-schlampe.de | homepage: lisa.spermageile-schlampe.de ] | Report: Kinect Will Only Understand Americans, Brits, Japanese & Mexicans |
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#xbox360
Oh dear. It's not just Spaniards who won't be able to control Kinect with their voices when the peripheral launches. It's everyone who doesn't live in the US, Mexico or United Kingdom. More
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| fetched via localhost | 1 September 2010, 4:15 pm |
| erhardt irnhtak [ mail: erhardt.irnhtak[at]streng-katholisch.de | homepage: erhardt.streng-katholisch.de ] | Project Sword Is Epic's First Unreal Engine iPhone Game |
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#iphone
Gears of War and Unreal Tournament creators Epic Games will bring competitive multiplayer sword-based combat, powered by its Unreal Engine, to the iPhone later this year with slash-em-up Project Sword. More
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| fetched via localhost | 1 September 2010, 10:26 am |
| claudia ilylw [ mail: claudia.ilylw[at]bongfaschist.com | homepage: claudia.bongfaschist.com ] | YouTube - You so Pimping, You so Sexy! - Ford Fiesta AD |
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RT @Ohdoctah: If I was @Ford I'd pay out the WAZOO to get this AD played during the Superbowl @filmriot KILLED this http://bit.ly/akakv ...
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| fetched via localhost | 1 September 2010, 6:16 am |
| bernd kral [ mail: bernd.kral[at]bongfaschist.com | homepage: bernd.bongfaschist.com ] | 10 Sure-Fire Money Moves That Will Always Pay Off Or Not? |
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The Wall Street Journal is very confident!
Using the word guaranteed in the financial world is like telling a pitcher hes got a no-no going in the 6th inning.
But apparently the WSJ doesnt care. They have found 10 money moves that will always, always pay off guaranteed!
Aside from the catchy title luring me in, I had to see what financial advice they were talking about, and of course, I wanted to weigh in on it too.
So, here are their 10 sure-fire money ideas and financial advicewith my side commentary.
1. Max that 401(k)
Heres what WSJ says:
This is a slam dunk for you. Every dollar you invest saves you money on taxes because it comes off your taxable income. So Uncle Sam is effectively chipping in.
I agree with the concept max your savings and youll have more for retirement. You also get a tax-break now, which is great financial advice.
But, tax rates are going up next year and although we dont know where tax rates will be in the future, theres a pretty good chance that theyll be much higher than they are now. Tax rates are at a historical low. You may be creating a tax time-bomb that is just waiting to go off!
In my opinion, dont fall in love with your 401k!! Anything beyond the company match is up for debate in terms of contributions and really, you should be looking to diversify yourself from a tax perspective any way.
2. Give up the vacation home
What WSJ says:
Most of the time we use them for a few weeks or months of the year. They cost money to buy. There are annual upkeep, maintenance, condo fees and taxes.
Ok, this makes sense. Get rid of excess, trim the fat, reduce expenses. All smart things. But, what if you could buy a vacation home at or near the bottom of the market and you can use it to build True Wealth? That is, of course, you can afford it!
3. Put $5,000 into an IRA account or Roth IRA tax shelter
WSJ says:
If youre over 50, put in $6,000. And make sure your spouse does too. IRAs are a great deal.
There is a big difference between putting into a Roth or a Traditional IRA and that has to do with IRA withdrawals!
Again, the idea of saving money is great financial advice! Not everyone is eligible for a Traditional IRA or a Roth for that matter. So make a careful decision when figuring out which retirement account is right for you.
4. Pay off your credit-card debt
WSJ:
Eat macaroni and cheese for three months if you have to, but pay off those balances. Youre probably paying at least 15% interest. You may be paying a lot more. Youd have to earn maybe 17% before tax on an investment just to keep pace. Boring? Nobodys making 17% these days. So pay off your credit-card debt and brag to all your friends that you just beat Wall Street.
Amen!! Paying off credit-card debt is possibly the greatest sure-fire money move you can make. Of course, you knew that piece of financial advice already, but its time to do it!
Heres a good tool to knowyour credit-card payoff amount .
5. Fire your banker
Heres what WSJ says:
If youre like most people, youre probably paying hundreds of dollars a year in account service fees, ATM charges for access to your own money and the like.
Im actually not paying account service fees or ATM charges because I dont overdraft and I dont use outside ATMs!
6. Get your tax refund early
WSJ:
How? By not overpaying your taxes in the first place. Every year, millions of people cheer when they get a check back from Uncle Sam. But that just means they paid too much withholding tax during the year. So Uncle Sam got an interest-free loan.
I do like this point, unless of course, you need a tax refund because you simply wont save that extra money!
7. Buy inflation-protected bonds
According to WSJ:
Treasury inflation-protected securities, or TIPS, arent sexy. They wont make you rich. But theyre guaranteed twice over. Theyre issued by the U.S. government, so they are guaranteed against default. And they are protected against inflation because coupons and principal will adjust to reflect it.
Really? Hmm. It seems like everyone has jumped on the TIPS bandwagon and those things are completely oversold leaving an opportunity for a TIPS bubble to burst.
So theyre guaranteed by the U.S. government, but it doesnt mean they wont drop in value. Im not saying you dont want some exposure here, but to make it sound like its a no-lose proposition is a little scary.
8. Buy a bread machine
WSJ says:
If a $50 breadmaker saves you, say, $7 a week on buying bread, thats $350 year. The easiest dough youll make. Modern breadmakers are, well, a piece of cake to operate. The return on investment: 600% in year one and 700% after that.
Wow, they are stretching for financial advice now!! Id bet that once the novelty wears off after four or five times using it, youll be right back to buying bread once a week at the grocery store.and youll be out $50 for the bread machine!
My wife and I always talk about making bread and then we go buy some at the store.
9. Play hardball with your insurance company
WSJ says:
Call competitors and ask them to quote you prices for your current house and auto policies.
Amen!! Heres how to negotiate your home and auto insurance.
10. Get a freebie from a bank
WSJ says:
Sign up for a credit card with a big bonus like a free air ticket or weekend hotel stay. Use the card enough to qualify. Then cancel the card.
I know its a free airline ticket, but I have never done this mainly because it sounds like such a hassle. I hate calling customer service lines. Id almost rather pay for the ticket than deal with the headache.
What Are Your Thoughts onThese Sure-Fire Money Moves?
Let me know in the comments below!
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