theknowitalleffect

http://money.cnn.com/2008/11/03/technology/copeland_solar.fortune/index.htm?postversion=2008110408 Go Solar!!! To be able and site in the air blowing at me in the face would be the day that Solar will be my friend. Might be time to buy that solar stock but which one. Earmarks have been allocated from that 700 billion to go right to it. NICE.

http://money.cnn.com/2008/07/07/real_estate/price_to_rent.moneymag/index.htm?postversion=2008071604 It's been a bit. But this is a storage spot as well. Price to rent ratio. For example, if you can purchase a home for $540,000 but can rent a similar one for $36,000 a year, your so-called price-to-rent ratio would be 15. In general, buying starts to look attractive when the P/R ratio is around 15 or lower, says Newport. (The current national average is 12.5.) As your market's P/R ratio falls, more sellers are likely to come into the market. So demand could pick up and help stabilize home prices.

http://www.news.com/8301-13578_3-9892897-38.html?tag=nefd.lede Wow and I thought I was paranoid. Glad to know I am not the only person that wouldn't want my information stored and stormed by customs. WOWOWWOWOW

http://editorial.autos.msn.com/article.aspx?cp-documentid=457882 Can't wait to see one of these on EBAY. Proof not just concept. So why are we not building these in America?? Hmmm. oooh can you say $10 of diesel per week for me at least. Nice.

http://money.cnn.com/2008/02/06/real_estate/walking_away/index.htm?postversion=2008020610 Walk away from your home there should be laws against it. You should have to claim bankruptcy to walk away. There should be huge reasons required and circumstances that basically equal life or death. Not that oops your gamble did not work out. Why should the rest of us have to suffer for deviant misguided leeches of society. If you gambled your paycheck away or took a line of credit out on your house to gamble at a casino. Would that casino let you walk. Heck no. Banks should be putting new guidelines that state if you walk away from your home you will not be able to qualify for one for so many more years. If you walk away from your home after buying another at a lower price you default to a higher rate. What the heck is wrong with the financial institutions. Is no one accountable.

http://money.cnn.com/magazines/moneymag/moneymag_archive/2008/02/01/102902034/index.htm?postversion=2008012510 Now this is a very interesting read. A little long. But there is some realism here. If you are lucky enough to do what this couple has done. More power to you. 20 years in service with a family. That's dedication..... Not only to a financial plan. Dedication to family. Dedication to each other. Living the American Dream. Too bad St. Louis is not like the rest of America, or would we really want that any way. Nice thought to think about the thoughts that this could be a reality. I wonder how many people already could retire but choose not too. So many what if's in this world. One thing is that they did not say if they paid their house off or not. Now that would be interesting. You have to wonder about interest earned versus interest paid in some respect. But compounding does have it's merits. Kudo's for these people and it for one inspires me to keep doin...

5 wonderful qoutes of wisdom!!!! “Many of life’s failures are people who did not realize how close they were to success when they gave up.” “I have not failed. I’ve just found 10,000 ways that won’t work.” “The value of an idea lies in the using of it.” “Being busy does not always mean real work. The object of all work is production or accomplishment and to either of these ends there must be forethought, system, planning, intelligence, and honest purpose, as well as perspiration. Seeming to do is not doing.” “Genius is one percent inspiration and ninety-nine percent perspiration.” "If we did all the things we are capable of, we would literally astound ourselves." All qoutes from Thomas A. Edison a great pioneer and a man of great acheivment and history.

The new year is here and thankfully I am here as well to enjoy the new year or at least try to make it through it to next year. The new year does not look bright though. However optimistic you want to be. A lot of uneasiness in the air. Nothing that is not in the media constantly. It is amazing how hum drum the world is right now. High oil prices, high gas prices, and a sagging housing market to say the least. The political race is on and what promises we will hear. Who will it be, only the future knows. However, it does not look bright no matter who makes it to office. Can you say the big A word if who should be in office makes it to the office. And do we really need another Clinton in office. The billions spent on a war that cannot be won. Still trying to instate democracy in country's that don't want it and still trying to help the worlds hunger and poverty while AMERICANS go hungry and starving without shelter in our own country. Not a lot of technological advance that wil...

http://money.cnn.com/2007/11/19/real_estate/foreclosure_fix_Stutzmans/index.htm?postversion=2007112112 Seriously, I feel for the story and the situation life offered for this family. But now that they are back on their feet. I want to know what happens to them in a year. Do they get further in to debt again. Now can they afford that new plasma TV and new car they have been dieing to get. I hope they save their money and choose better options next go around. Yah Countrywide only re-negoatiated the loan and forgave this poor family's debt for their own good. But come on, it just steams me. Why should I have to make more conservative decisions and be held accountable for my actions. Why can't I default, keep my home and be forgiven for my debt and go on my merry way. Gimminie Crickets. This is ridiculous. Call me crass or brash. But these people shouldn't have been in the home in the first place with the way they stretched themselves. They took the risk for the adjustable vari...

http://money.cnn.com/2007/10/30/magazines/fortune/Oil_from_stone.fortune/index.htm So if shale is to slate, then what is oil shale to gold. Black gold that's it. So there it is again big oil holding down their investments. We can't afford to go to zero emission vehicles. Big oil has too much investment in oil and refining in general. All be it, it will be a great thing to get away from the oil cartels themselves. All hail oil the big king!!! NOT....

http://money.cnn.com/magazines/business2/101dumbest/2007/full_list/index.html Dear, Seriously Stupid: If you ever felt you have done something seriously stupid @ work fear not there are many more idiotic people in this world. Not to mention just flat silly corporation and buisness blunders that would make any CEO cringe at the mere thought they actually paid these people. I guess there is such a thing as job security. OMG. Sincerly Yours, Not as dumb as the top 100.

http://money.cnn.com/2007/10/24/real_estate/details_on_new_Countrywide_plan/index.htm?postversion=2007102510 What the heck!!! We knew it was coming. The real question is why are we sucumbing to the needs of individuls that are now getting bailed out for making poor financial decisions. I would really like to know, why are we now providing ARM interest rate locks on teaser loans, because the poor fools or the once thought savy real estate investors now have to take it in the shorts. Oh poor me boo who... Who's going to bail me out now. I made a risky investment and got caught with my pants down. Oh please help me and bail me out!!! So why can't I just walk into the bank and re-negotiate my loan. Why can't I just say oh poor me I just didn't understand and I am about to lose my home.. So please mister banker please adjust my home loan and make it affordable for me. The problem with that is.... I did know better!!! I take accountability for the loan documents I sig...

http://articles.moneycentral.msn.com/CollegeAndFamily/CutCollegeCosts/IsCollegeWorthTheMoney.aspx wow is all I can say. A time that I am flat just speechless. What are we in store for now.

http://www.ssa.gov/planners/calculators.htm Use simple quick calculator and inflated dollar option. Pretty funny huh?

http://money.cnn.com/2007/10/05/pf/retirement/cash_from_401k.moneymag/index.htm Well a little cliche, buttttt ... So for those that have scoffed at all be it most 401 k wild projections. Seeing something like this really is a nice change of pace. The problem with most investments is, they are mostly projections. If they pan out great. However the Roth IRA is not a bad deal. $15500.00 seems like a lot of money for most people. Think about it if you started a Roth IRA @ say age 20 and saved just $100.00 a month. Well guess what in say just under 13 years you would have met that amount. Even though $15500.00 is the maximum contribution amount a year for a R oth IRA. In this article it is also used as a wow factor. for a 20 year investment : "Put your money in a Roth 401(k) and you'll end up with $72,245 tax-free in 20 years" However, the numbers don't lie. If you did in fact place $15500.00 in an account and let it sit earning interest amortized @ an 8 % interest rat...

You can read it hear. http://money.cnn.com/magazines/business2/business2_archive/2006/10/01/8387088/index.htm Sounds neat enough. You think it's too late to try it out?

Housing Markey Crash? I am sure you have seen it all over the media. The housing market is crashing. Sales are down! There is a glut of homes on the market. Well want to get some facts outside of the media and the articles. Check out some of these links. Good terms to know: REO : (Real Estate Owned) a.k.a bankowned property; pretty straight forward. Foreclosure - Legal process by which a mortgagor of real property is deprived of his interest in that property due to failure to comply with terms and conditions of the mortgage. Preforclosure - A process where by a default has taken place. Usually a notice of default will have been filed as a first step. If the default is not cured either a judicial or non judicail proceeding is started and property is subject to foreclosure. Preforeclosure is sometimes known as Lis Pendens(lawsuit pending) in states that conduct judicial proceedings. HUD - The Department of Housing and Urban Development was established by the Housing and Urban Developme...

I always wondered about reports and statistics. This article was published : Published March 26, 2007 and the sources of the table of stats: Source: Federal Reserve's 2004 Survey of Consumer Finances *Life expectancy from National Center for Health Statistics, 2006 **U.S. Census Bureau, 2004 (ages 35-44) http://articles.moneycentral.msn.com/RetirementandWills/CreateaPlan/MoneyInYour40sItsMakeOrBreak.aspx Irrelevant of that fact it is very interesting as far as numbers go. Scary thought,,,,,, and people want to place social security retirement account planning in the hands of individual american people. Interesting...... Very interesting.

You need to listen to at least 35 seconds of this video clip before you then have to start questioning a few things....... http://video.msn.com/v/us/Money.htm?g=875cc8dd-8eef-4a13-a226-7c714fe17f57&f=15/64 LinkList &p= hotvideo _money_top_pf& fg = 1st of all this guy is Jim Jubak , MSN Money Senior Markets Editor. For a senior Markets Editor, I am very surprised. What is this guy talking about. The average person won't see any changes, my butt!!!!!!!! He should have made a number of disclosures and if he was going to generalize and down play the Fed's next interest rate cut he should have said he was going too... All sorts of analysts and individuals have their own opinions of the economy and the housing market. Let me make a few comments or points to this affect, I would have loved to email this guy. - The number one group of average Americans that will be effected by this rate cut will be a group that is primarily responsible for this freaking boondoggle. Thes...