Deprecated: Assigning the return value of new by reference is deprecated in /nfs/c01/h14/mnt/428/domains/dollarbytes.com/html/wp-settings.php on line 468

Deprecated: Assigning the return value of new by reference is deprecated in /nfs/c01/h14/mnt/428/domains/dollarbytes.com/html/wp-settings.php on line 483

Deprecated: Assigning the return value of new by reference is deprecated in /nfs/c01/h14/mnt/428/domains/dollarbytes.com/html/wp-settings.php on line 490

Deprecated: Assigning the return value of new by reference is deprecated in /nfs/c01/h14/mnt/428/domains/dollarbytes.com/html/wp-settings.php on line 526

Deprecated: Assigning the return value of new by reference is deprecated in /nfs/c01/h14/mnt/428/domains/dollarbytes.com/html/wp-includes/cache.php on line 103

Deprecated: Assigning the return value of new by reference is deprecated in /nfs/c01/h14/mnt/428/domains/dollarbytes.com/html/wp-includes/query.php on line 21

Deprecated: Assigning the return value of new by reference is deprecated in /nfs/c01/h14/mnt/428/domains/dollarbytes.com/html/wp-includes/theme.php on line 618
Dollarbytes

Did you know you’re rich?

November 13th, 2006

Most of us don’t think we’re rich because we compare ourselves to the uber-rich. But if you make at least $47,500 per year, you’re richer than 99% of the people on Earth according to GlobalRichList.com. The site calculates your rich list position so you can see how you rank to the other 6 billion earthlings.
Only the top 10% of the ‘richest people’ earn more than $25,000 per year, while the bottom 85% earn $2,182 per year or less. The site is designed to make people think about their relative wealth. Click the link below and let us know how rich you are.

Global Rich List 

BofA Fraud Dept Needs Higher Standards

October 10th, 2006

bofalogo.gif Bank of America blocked my ATM card on the fourth of October, without calling or emailing me. Apparently their fraud department detected something suspicious. Bank of America has blocked my card before, but that was when I was hopping around Asia- I can see how it can look suspicious if there are purchases in three different countries in one day. I wasnt able to withdraw cash over the weekend which sucked, but I managed by using my business ATM card and borrowing some cash from that account. It took 48 minutes on the phone with a BofA rep and a game of 20 questions to sort it out and unblock my card.

Things got really interesting when I called BofA today. The first rep I spoke with said I had to be transferred to the fraud department, I told him I had a question about something else before I was transferred, but he rudely cut me off before I could finish my question.

Could you please transfer me to a supervisor or someone else whom may be able to assist me with my question? I asked.

He transferred me to BofAs main menu. Thanks a lot buddy. I had to navigate through all the voice prompts and punch in all my info all over again.
Read the rest of this entry »

Tick. Tick. Beware the mortgage time-bomb

October 9th, 2006

Weve all been bombarded by continous ads for mortgages that sound too good to be true. And too many homebuyers have taken the bait, biting off more house and debt than they can chew. Foreclosures are up 163% in California and things are likely to get worse according to a CNN Money article.

This is yet another example of how out of whack the real estate market is. Whats worse is there seems to be a steady supply of buyers who are completely ignorant about how much house they can afford. A mortgage friend of mine met with a single 20-something woman who wanted him to pre-approve her for a mortgage for a $500,000 loft in San Francisco. She had a few thousand in the bank, a mediocre credit score and a $42k salary. The would be homebuyer was angered when broker explained that it just wouldnt be possible without a cosigner or her parents.
Bottom line is there’s hundreds of thousands Americans facing mortgage timebombs cause they are buying more than they can afford.

In the past two years, homeowners took out 1.3 million ARMs with teaser rates below 2 percent, according to Cagan’s research.
Of those, 21.5 percent have negative equity, where the market value of the home is less than the amount owed. The number of people in that spot could go up significantly if home prices fall as forecast or if homeowners with teaser-rate-ARMs experience job loss, illness, divorce or a death in the family, which are the main causes of mortgage default.

An ARM charges an initial discounted rate for a period of time, after which it adjusts to market levels. When some types of ARMs with teaser rates of 2 percent or less reset, the rates are likely to jump to more than 6 percent - and even as high as 9 percent.

link to CNN Money story

Extended Warranties Suck

October 5th, 2006

Ive bought my fair share of electronics from retailers that push expensive extended warranties. Ive always thought of them as a rip-off, but the Washington Post published a great article that goes into great detail. The whole extended warranty business is just overpriced insurance that is rarely used, about 20% of revenues are paid out as claims. Most electronics we buy today will be obsolete long before your extended warranty expires. Youre better off saving your money for your next purchase.

“Warranty Week, an industry publication, last year estimated that of the $15 billion in premiums charged consumers in 2004, $7.5 billion went straight into the pockets of the stores that sell warranties as their cut.
Of the remaining $7.5 billion, the publication estimated that $3 billion was paid in claims by the insurance companies that back the plans. On the other hand, according to the Insurance Information Institute in 2004, the U.S. auto insurance industry paid out $66 in claims for every $100 in premiums.”

One of the storys sources makes an excellent point that good companies will fix their products. This summer my high-end Nikon digital camera just stopped working after two years of light usage. I called Nikons repair center and they happily offered to repair it even though it was well out of warranty. Not only did they fix the camera, they also gave it a thorough cleaning, updated the software, shipped it back with a complimentary carrying strap and extra battery. I think Nikon qualifies as a good company and a good example of how buying is always the best way to go for expensive purchases.

The decision to buy an extended warranty, however, defies the recommendations of economists, consumer advocates and product quality experts, who all warn that the plans rarely benefit consumers and are nearly always a waste of money.

Dont let the salespeople pressure you into overpriced warranties and remember that almost all products come with a one year warranty. If the product theyre selling you is good, why would you need an extended warranty?

link (Washington Post)

The Neiman Marcus Christmas Catalog is Affordable

October 4th, 2006

Every year, Neiman Marcus kicks off the holidays with a catalog full of luxury goods, cars and experiences most can only dream of buying. People gasp and shake their heads, declaring how ridiculous these gifts are.

Oh my God!! A pen for $160,000

neimanpen.jpg

A trip into space for $1.7 million!

neimanvirginspace.jpg

$295 for a set of boxer shortsnobody even sees your boxer shorts!

neimanboxers.jpg

If you take a closer look at the catalog and the people who it is targeted to, maybe it isnt so ridiculous after all. We live in the richest nation in the world, a country with at least 400 billionaires. A country where many financial advisors wont give you the time of day unless you have a $10 million portfolio. And to those people and many, many others- these gifts are affordable. In fact, there are lots of people that can afford to buy one of each thing in the catalog. Heres a list of them (link).

Im not advocating these luxury gifts are affordable for Joe and Jane America, but they are in fact more affordable to the rich (whom Neiman targets) than the crappy gifts the vast majority of us buy each other. The Neiman gifts are affordable, because people who buy trips to space are not skipping mortgage payments, running up credit car debt or pulling money out of their kids college funds.

People who buy the most expensive things in the catalog can AFFORD it. For a mere $1.7 million dollars, or less than .17% of your net worth if your one of the 400 richest Americans, you can go to space with five loved ones. Less than .17% of your net worth to fulfill a dream isnt bad at all.

One of the most talked about items in this years catalog is limited edition BMW M6. Only 50 are available at a price of$139,000 and they will probably sell out in less than an hour (this is quite normal for cars in past catalogs). Is it really that shocking there are 50 people that can easily afford to snatch them up? Not really when you consider all those multimillionaires and billionaires need to buy gifts for each other , just like the rest of us. Imagine how hard it is to buy a unique gift for your wife if her monthly allowance is five or six figures.
neimanbmw.jpg
The real story about extravagant gifts are far removed from the Neiman catalog. They lie in the lowly aisles of Wal-Mart and Toys-R-Us , where low-wage earners blow hundreds of dollars on plastic toys that kids break or get bored of before the Christmas trees come down.

Its all perspective I guess, but the catalog is affordable for lots of people.


  • safe take 2 pills
  • vs clariton
  • picture
  • dosage children
  • going generic
  • sinus ingredients
  • to conversion
  • leva pak directions
  • opiate
  • and rash
  • para que sirve el
  • safe while pregnant
  • and high blood pressure
  • side effects of 100 mg
  • dose of for ocd
  • bad gas
  • can i take and
  • for fatigue
  • pristiq dose equivalent
  • vs generic
  • can take aspirin
  • cholesterol reduction
  • how long do you take
  • djelovanje na zene
  • england football team
  • dosing pediatric
  • over the counter equivalent
  • use teenagers
  • for warts
  • difference between hcl er
  • and efficient comparison
  • tendonitis incidence
  • get high off
  • ds blurry vision
  • highest dosage
  • get out your system
  • how often can i take
  • bula
  • for poop out
  • mucinex together
  • klonopin
  • side effects aggression
  • and xanax interactions
  • oral vs iv for c.diff
  • cream for inflammation
  • can i take and together
  • splitting pills
  • generico de
  • taking d and benadryl
  • how long until takes effect
  • birth control overdose
  • compare xyzal
  • recreational drug
  • can make your yeast infection worse
  • life expectancy patients
  • can i take and together
  • 100 mg daily
  • 1 for men
  • rash after taking
  • 2mg lp
  • delai d'action
  • can cause leg cramps
  • per i bambini
  • is it safe to use during pregnancy
  • prices canada
  • wisdom teeth removal and
  • many milligrams
  • opinie
  • iv drip gi bleed
  • common side effects withdrawal
  • cream rebate
  • inactive ingredients
  • can you take benadryl and at the same time
  • can i drink beer while taking
  • buy generic no prescription
  • tab 90mg
  • xicu y
  • max dosage
  • 20 mg posologia
  • online
  • eczema treatment
  • ds safety pregnancy
  • coupon code
  • risks taking
  • what happens if i miss a dose of
  • shampoo
  • benefits of hct
  • side effects muscle aches
  • y tension alta
  • young women
  • dose herpes labialis
  • rxlist
  • ringworm
  • albania 6-1
  • u dzieci dawkowanie
  • side effects memory
  • is it ok to take expired
  • what happens if i stop taking
  • en espanol
  • limba romana
  • mode administration
  • full prescribing information
  • free australia
  • free drug program
  • overdose effects
  • ou
  • drug interaction
  • menstrual cycle side effects
  • really helped me
  • liver damage
  • can you drink alcohol while on
  • 28 oral uses
  • sa 100mg capsules
  • cause dizziness
  • chronic therapy icd 9 code
  • recommended dosage cold sores
  • for bigger loads
  • can take my plane
  • liver damage
  • fairless hills
  • label
  • strengths does come
  • yellow
  • free astrazeneca
  • johor
  • safe during breastfeeding
  • raise progesterone
  • substitute penicillin allergy
  • or lawsuits
  • seaweed
  • combination
  • blood levels
  • used bv
  • 100 mg 12 capsulas
  • diferenAa entre e hct
  • vs
  • oral suspension
  • interaction between and
  • can cause weight gain
  • rash hands
  • side effects
  • versus
  • first signs pregnancy after taking
  • arimedex hd vs
  • bronchitis antibiotics
  • manfaat
  • tablets 250mg
  • medicine side effects
  • gel inactive ingredients
  • or which is better
  • medication and grapefruit
  • e gravidez
  • can you lose weight while
  • cerotti posologia
  • used prostate cancer
  • for exercise induced asthma
  • for depression
  • iv vs oral
  • vs
  • funciona 3 semanas embarazo
  • t lotion ingredients
  • can take
  • xtc
  • same time
  • que es 60 mg
  • side effects exercise
  • via oral tomar
  • ed
  • et ovulation bAbA
  • alcohol flush reaction
  • settlement canada
  • buy 60 mg
  • st john's wort
  • withdrawal muscle weakness
  • femme enceinte
  • can cause you fail drug test
  • side effects eye problems
  • taking too much
  • drug interactions alcohol
  • how long before a meal should i take
  • can you take together
  • quand comment prendre
  • how fast works
  • 10mg used
  • has a black box warning what does this mean
  • xl and breastfeeding
  • withdrawal symptoms heart palpitations
  • sleep
  • ou
  • retail price
  • valeant
  • stopping before tooth extraction
  • how long does it take before works
  • diarrhea
  • commercial
  • 2.5mg
  • heart arrhythmia
  • 625mg bnf
  • worked for me
  • how long until works
  • picture pill
  • safe pregnancy
  • uses acne
  • 30 tablets
  • does delay period
  • yawn
  • hfa inhaler
  • is a psychotropic
  • o
  • vs
  • jittery
  • prices walgreens
  • urinary retention
  • achat de en ligne
  • generic online cheapest
  • ou
  • alcohol use
  • taking birth control pills
  • low blood pressure
  • dental
  • 500 mg warnings
  • can you take nasonex and together
  • or side effects
  • is safe in pregnancy
  • greens vitamin k
  • difference between dexilant
  • and xanax combination
  • can you take at bedtime
  • taking during pregnancy
  • does cause weight gain
  • can increase blood pressure
  • venda porto alegre
  • loss of appetite
  • where to buy in australia
  • 5mg or 1mg which is better
  • is a corticosteroid
  • como tomar corretamente o
  • dangers alcohol
  • canadian pharmacy online
  • tylenol recall symptoms
  • prescribing information
  • 20 mg of a day
  • que es mejor o o
  • stop after 1 month
  • gastric bypass
  • xl monographie
  • wellbutrin xl versus
  • treatment anxiety depression
  • india online pharmacy
  • how much weight can i lose with
  • how long does it take for to work
  • bula do 500mg
  • get free
  • used for weight gain
  • medication
  • what is the difference between and
  • how long works
  • reviews for men
  • during pregnancy risks
  • qt prolongation
  • vs xr anxiety
  • 225 mg side effects
  • iv indications
  • given iv
  • k 50 mg
  • hfa cvs
  • depressionen
  • 200mg tablet
  • natural substitute
  • other names
  • safe take while breastfeeding
  • pcos
  • dosage for low testosterone
  • can i take while on my period
  • manufacturer
  • 4780346839
  • plus
  • salbe fA?r kinder
  • urine odor
  • v\/s ipogras
  • scarring healing
  • e' mutuabile
  • si o no
  • or wellbutrin which is better
  • ohne rezept
  • ativan and
  • wszystko o
  • pain relief
  • e hipertensA?o arterial
  • dosage instructions
  • taking full stomach
  • better anxiety citalopram
  • efectos del jovenes
  • buy canada
  • long term side effect of
  • en zwanger
  • substitute
  • drug half life
  • can take same time
  • use pregnancy
  • telma h
  • hfa user reviews
  • insomnia anxiety
  • does have a generic
  • building muscle
  • que es a
  • coq10 canada
  • liver disease
  • prostate cancer study
  • to
  • do you take 14 days
  • how much does cream cost
  • natural foods for women
  • low dose
  • us fda approves new indication
  • is an anticoagulant
  • contre indications
  • trial offer
  • low sperm count
  • para alzheimer
  • 75 3 times day
  • 331772897
  • baby before shots
  • medication high blood pressure
  • dosage for colitis
  • taking while pregnant
  • safe dosage range
  • dose im
  • coagulopathy icd 9 code
  • tylenol and together for pain
  • best dosage sleep
  • sr side effects
  • ndc 200 mg
  • floppy iris
  • bulas de medicamentos
  • thyroid problems
  • merck braces flood lawsuits
  • pi
  • dr vs depakene
  • iv dose migraine
  • 15mg tablets
  • cream manufacturer
  • can you take with
  • what does snorting do
  • compare
  • indications
  • korea
  • miranda sao paulo
  • 500 mg tablet
  • can take together
  • inactive ingredients
  • 200mg tablets
  • tab
  • treatment allergic rhinitis
  • can you cut odt in half
  • pi
  • 625mg boils
  • online paypal payment
  • generic pictures
  • oral for osteomyelitis
  • withdrawn from market
  • can't swallow
  • ratio ascites
  • used for bipolar disorder
  • expiration date
  • for men without erectile dysfunction
  • h2
  • for rapid cycling
  • how it works
  • lawsuit side effects
  • 250 mg tablets
  • bula do nistatina
  • price canada
  • different strengths
  • is safe during pregnancy
  • hfa coupons special offers
  • bleeding
  • works right away
  • dosage of for ic
  • coverage pseudomonas
  • purpose
  • suspensie copii administrare
  • 2800375228
  • toddler allergic
  • can you take and together
  • robitussin pregnancy
  • drug test
  • w tabletkach
  • can i lose weight on
  • and constipation
  • post office opening times
  • cream infants side effects
  • allergic reaction symptoms
  • lescol xl vs
  • generic fake
  • implications
  • 3.75 mg
  • can lose potency
  • healing from toxicity
  • drug interactions