Deprecated: Assigning the return value of new by reference is deprecated in /nfs/c01/h14/mnt/428/domains/ on line 468

Deprecated: Assigning the return value of new by reference is deprecated in /nfs/c01/h14/mnt/428/domains/ on line 483

Deprecated: Assigning the return value of new by reference is deprecated in /nfs/c01/h14/mnt/428/domains/ on line 490

Deprecated: Assigning the return value of new by reference is deprecated in /nfs/c01/h14/mnt/428/domains/ on line 526

Deprecated: Assigning the return value of new by reference is deprecated in /nfs/c01/h14/mnt/428/domains/ on line 103

Deprecated: Assigning the return value of new by reference is deprecated in /nfs/c01/h14/mnt/428/domains/ on line 21

Deprecated: Assigning the return value of new by reference is deprecated in /nfs/c01/h14/mnt/428/domains/ on line 618

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 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


A trip into space for $1.7 million!


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


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.
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.

  • men kissing women boobs only pictures
  • girl young nude pic
  • oral sex and hsv
  • teens getting fuck on video
  • porn star pinky with black hair
  • homemade naked teen tarts videos
  • video lady fucked asshole butt phat
  • petite sling bikini babes
  • blackpool public nudity
  • free lesbian porn flicks
  • hardcore sex with girls
  • daving sex with my video
  • half black half korean big booty
  • pictures of men with large nipples
  • Lady gaga naked fakes
  • double dilo porn videos
  • does having braces effect oral sex
  • free naked amateur sex videos
  • wife only wants to fuck husband
  • mature milf video lesbian
  • girl rides nose with ass
  • Real black lesbians
  • mature and amateur and movies
  • super wet mature fuck video
  • naked sexy girls free movies
  • anal cancer sexually aquired
  • mature tries big dick
  • free amateur screw vids
  • lick a womans pussy
  • watch the movie my girl online
  • pink wet pussy rings
  • free porn youngest innocent
  • video mature teacher
  • sexy romance sucking boops young girls
  • japanese porn torrents
  • naked and nude young girls
  • armenian amateur porn canyon
  • pictures actress jennifer love hewitt nipples
  • sex girle next store
  • drive into her pussy
  • Cum sharing videos
  • migets that fucks big black dicks
  • sexy naked nudists
  • free streaming anal porn vids
  • phil porn videos
  • how give a girl an orgasm
  • trouble copying kick ass movie
  • movies babes sex
  • naked black men for girls
  • small tits vids college girls
  • nude celebrities hottest naked celebs porn
  • young little teeny fuck video
  • teen butt buy
  • mature women and young men blowjobs
  • free long interracial milf movies
  • rugby girls topless haka
  • strapon anal wife
  • free chubby chicks sex
  • White girl with a big ass
  • granny pussy owma
  • watch japanese porn
  • Nude japaneese girls
  • cheating teen girlfriend tubes
  • xxx cunt fingering
  • teen blond ice cream fuck
  • legal young blonde fucking pussy
  • teen girl winter coats for sale
  • free naked pictures of housewives
  • free erotic handjob videos
  • Teenage lesbians videos
  • teen streaming fuck showoff
  • free amateur videos gymnast
  • wife want black man
  • Tina anal cum slut
  • female erotic wrestling videos
  • black robbers fuck white house wife
  • young black lesbian videos
  • videos of animated d sex
  • free pics of teen bald vaginas
  • giant white cock fucking black girl
  • sydne asian girls for sex
  • mature chubby femdom wives
  • model sex movie galleries
  • porn videos free streaming
  • free compilation of gp porn videos
  • sexy ass delivery fucked hardcore
  • german japanese mix sex
  • free xxx porn swallowing babes
  • black cocks fuck white women
  • Kimberley conrad nude pics
  • Sexy australian girl
  • woman wearing topless bathing suits pics
  • naked young japanese girls vids
  • free skinny tied girls pics
  • big white girl butts xxx
  • physical exam girls naked
  • free asian cumshot vids
  • girls of caribbean pics
  • naked girls showin tits
  • older porn girls
  • young sexy girls having sex
  • free alina cruz facial videos
  • little young thai girls
  • naked girl porn
  • free real hien sex movies
  • Wives nude photos
  • sexy gaming girls
  • y twink fingering movies
  • young sex tube teen films
  • Spy home sex video
  • Keeley hazell naked video
  • mature women spanking young men
  • eldery sexy mature
  • roslyn oxley gallery naked teen exibition
  • teen uncle videos
  • spread ass gallery xxx pics
  • fuck milf free porn
  • softcore bad girls
  • Hot sister brother sex
  • young asian webcams
  • free young hairy girl pics
  • brandon flowers crossfire video girl
  • naked teen in lockerroom video
  • adult video big tits gy
  • black video free streaming porn
  • girls fucking dicks monster of porn
  • erotic hardcore sex sex pics
  • Nice ass hole
  • young hot girl amateur sex videos
  • galleries japanese girls
  • Girl fingering ass
  • wet black juicy ebony pussy
  • brunette anal sex
  • little boy sex stories fuck
  • latina girls bound naked
  • ass pussy fat girls black sex
  • free naked familie photo gallery
  • interracial wife amatuer
  • young polish teen thumbnails porn
  • simi from sexy babes
  • pictures of marla sokoloff tits
  • poems on love by teenage girls
  • sexy pics of girl from twilight
  • lesbian sex teens
  • lacie heart sex videos
  • amateur japan video
  • girl shave guy pub hair video
  • amateur tiny teen lebians
  • videos of sex boys
  • female husky pussy
  • teen couples homemade sex videos
  • tits juggs busty movies
  • girls teens with long black hair
  • naked girlfriends at beach
  • hottest teen fuck vids
  • interracial milf porn tube
  • amature couples sex tubes
  • asian pregnat xxx
  • sexi black girls
  • pre young model bikini
  • fuck me dy vids
  • asian girls popping balloons
  • girl tiny ass teen panties
  • Soft teen feet
  • girl black hair leapord bikini
  • girl fucks after partying
  • amateur wife slut slaves
  • Lesbians in bed videos
  • erotica for teen girls
  • hottest babes movies
  • hardcore erotic sex stories
  • blonde sex milfs pussy big tits
  • mature babe vids
  • Big boobs and fuck
  • white mature women and black studs
  • asian sex with glasses
  • vivica a fox new sex video
  • lesbian public nudity and flashing
  • tweo men two girls pussy licking
  • red tube creampie pussy
  • forum post sex pics
  • Busty chubby teen
  • young girl partial nude
  • pregnant black girls with big boobs
  • threesome japanese dvd
  • lesbian amateur teenager
  • Anal movies galleries
  • teen transexual galleries
  • hot girls erotic videos
  • little naked girl babyfuck
  • black pussy real
  • young little virgins galleries
  • old age porn videos
  • sexy mature women seduction
  • best sex free videos
  • ls girls bbs nn fuck
  • hardcore fat porntubes
  • sexy nude girls videos
  • paris hilton free nude sex video
  • sex big tits older
  • amature wife fuck pics
  • black teen sex clooge girls
  • teen girls with braces
  • real first lesbian porn
  • nude pictures womens butts
  • hot young girls sex vids
  • huge boobs getting fucked videos
  • japan girls licking
  • sex pussy and more
  • naked running movies
  • asian pussy fucking teens
  • jenny fuck naked movie
  • xxx facebook babes
  • latina lesbian pornstar from florida
  • younger teen jobs in missouri
  • free amateur pussy video posts
  • show sex videos
  • Russian girls nude pictures
  • annuaire sexe anal
  • vagina and oral sex
  • blonde long legs tube movie
  • homemade porn galleries
  • Black hair big tits
  • anime babe gallery anime babes
  • tan girl wearing a bikini
  • fuck young emily
  • under table licking pussy
  • domestic discipline erotic video
  • movie with girls school
  • free gallery mature threesome
  • Hot naked lesbian pics
  • ass ventura crack detective video
  • anal sex movies closeups
  • ptm pt movies petite teens sexxx
  • amateur ladyboy pictures
  • videos of teen girls fucking
  • teen sexy sport pictures
  • pictures of fat girls
  • free gallery cumshot teen
  • college sex girl video
  • Hot girls stripping naked videos
  • black hawk internet pictures
  • free black lesbian teens with strapons
  • emo girls galleries thread
  • sexy college girls getting fucked
  • wild teen sex hitchhikers
  • sexy bar girls
  • xxxdessert bravo tits movies big
  • flickr topless girls
  • ameteur schoolgirls free porn
  • free streaming videos xxx sex
  • vampires suck movie rating info
  • Public sex for money
  • blond girl sucking black dicks
  • watch shemale girl
  • free pictures naked male bodies
  • milfs like young girls
  • hot naked celebrity videos
  • amateur teens playing around in public
  • black chick suck white
  • racquel welch petite wig synthetic hair
  • video solo girl masturbation free
  • Sexy girls strip videos
  • naked wet girl tits
  • ashleys candy naked pictures
  • fat booty black girls
  • young boy mother sex
  • cute teen girlfriends
  • beautiful naked ladies videos
  • sex trans anal
  • huge pussy lips gitting fucked
  • blonde first sex college
  • billie piper having sex videos
  • shaved cock in pussy
  • mature beach sex video long
  • pussy young tight pefect
  • teen bikini org
  • free naked mums wife
  • free black tgirl shemale downloads
  • asian schoolgirls orgasm panties
  • meagan good sex scenes in movies
  • youngest naked girl
  • younger babes gallery
  • pixie pillows pussy shot
  • extrait video sexe mature
  • gloryhole wife fuck
  • getting my wife to fuck black
  • blonde bra teens
  • tight blonde teen pussy
  • Feet fetish lesbian
  • horny mature women young men
  • black female model pictures
  • amateur lesbian porn video
  • closeup pictures of giant anteater claws
  • black teen booty creampie
  • teenage girls riding cock
  • Fucking good girls
  • garter bustier pornstar movies
  • young lesbien porn
  • sex video scandal
  • anal tearing movies
  • free petite teenager
  • black pussy downloads
  • girls showing young little tiny pictures
  • cheerleader panty spread cross legged pussy
  • miss california porn video
  • Rough pussy fucking
  • free sex porno video milf
  • lesbian videos sex gallery
  • teen girls boys sex naughty
  • chav porn pics
  • sex pics kinky fetish
  • group hooker sex
  • young teen girls tribbing videos
  • japanese do not understand reality
  • classic rough sex videos
  • wife blowjob movies
  • mom fuck gallerys
  • mature lesbian vid free
  • young teens handjob porn tube
  • mature pussy fuckers
  • husband punishment spanks wife videos movies
  • erotic black stories
  • milf wife sex story pic archives
  • free latina lesbien sex
  • best hottest sex video ever
  • honour blackman topless
  • teens stolen naked pictures exgirlfriend
  • young babes get their assholes licked
  • blonde slave pictures
  • anal fuck young girl
  • young teen babysitter porn tube
  • free mature milfs porno movies
  • teen wild porn videos free
  • Indian college girl sex video
  • school boy anal fuck movie
  • basketball sized butt pics
  • white girls pussy cumming
  • Sexy ass girls
  • beautiful young teen boobs
  • old pussy streamers
  • sex teen bebe tube
  • married couples making love vids
  • wife big dick fucking
  • tits and pussy cunt
  • fat black porn movie
  • japanese ass tricks
  • ametuer fuck videos
  • best naked lady pictures
  • nikki minaj butt pics
  • ebony and video and free
  • young sleeping teen blond videos
  • young porn jpeg
  • teen girls showing on stickam videos
  • movies with mandy schaffer naked
  • rough gang bang teen sex
  • shemale husband wife names
  • free videos of butts getting pounded
  • free anal black porn
  • free videos sex you tube of
  • Beautiful teens fuck
  • sexual fantasy roleplaying for couples
  • amateur athletic anal amazon
  • naked hot free teen pon
  • pictures of a big girls ass
  • miley cyrus topless you tube pics
  • asian older women porn
  • teen in school uniform pics
  • free shaved lesbian pussy poolside
  • bare boobs pictures
  • naked asianschool girl
  • teens show off pussy
  • booty ass picture
  • free gloryhole girls porn stream
  • download free black porn movies
  • wife vibrator in ass video
  • petite girls sucking big cocks
  • eat unwashed pussy
  • free undre age asian porn
  • first time young lesbian sex stories
  • amateur sex mature o
  • olga petite racerback
  • teen first anal sex
  • home sex bang video
  • nude black female galleries
  • free hot mother daughter porn movies
  • spanked wife xxx
  • young nudism pictures
  • hawaii girls topless
  • erotic sexy swimsuits
  • teens girls vedeos
  • Sexy girl in bra
  • sex porn group free online
  • free hot sexy girls erotic
  • mature land tube videos
  • watch new monster fuck videos
  • busty asian pornhub
  • fuck up my pussy
  • erotic police sex stories
  • asian girl pics lick