My favorite video of all time....relally really smouldering salma hayek dancing to some real good music from the movie "Dusk till dawn"....starring george clooney and tarantino.....i really like robert rodriguez movies....hayek has a small role in the movie as a vampire who gets killed wayyy too fast but lets beer drip on her leg into tarantino's mouth.....
Friday, October 26, 2007
Thursday, October 18, 2007
Become a millionaire: Start saving in your youth
I came up upon the article ..... courtesy fo digg.com...pretty good tips I think....
none of the rich dad pimp dad bullshit...
article from yahooo finance
"Being young and financially irresponsible is great fun, but being old and broke stinks.
Still, that doesn't mean you have to become a shut-in and put every spare cent into your retirement plan. Tuck away a little bit on a regular basis and you can party when you're 19 and 99.
The turbulent 20s, that sometimes pleasurable, often painful transition from carefree adolescence to responsible adulthood, is admittedly a difficult time for anyone to focus on saving for retirement.
"It's tough to start talking too many numbers with young people because a lot of times they're also overwhelmed -- it's their first job, their first real paycheck, their first apartment, their first time dealing with health insurance," says Derek Avdul, financial consultant and author of "Real Life 101: The Workbook."
"When you have all these variables going on and they're trying to be grown-ups, retirement just takes a back burner for a lot of them."
Small sacrifices Saving a little bit each month from the time you are young doesn't require great sacrifice, yet it can make the difference between prosperity and poverty in the second half of your life.
Put retirement front and center
1. Cut the financial umbilical cord 2. Make affordable sacrifices 3. Women: Pay close attention 4. Make it, but don't take it 5. Don't pass up free-money 401(k) plans 6. Live within your means
The reason their parents' generation continues to harp on it, with the best of intentions of course, is that many of them wish they'd started saving earlier, when they could have made smaller sacrifices and let compound interest do the heavy lifting. Compound interest, you may recall, is interest that is calculated on the initial principal and the accumulated interest of prior periods.
But that sage advice, as sound as it is timeless, still mostly falls on deaf ears.
"You can't talk to them about 30 years from now and how compound interest is going to benefit them, because, as we all know, at that age you know a lot more than anybody older than you and you're not going to need retirement money because you're going to make it big on your own," Avdul says.
Cut the financial umbilical cord
Unrealistic money expectations are rampant among young people today, according to author Nicholas Aretakis, who interviewed hundreds of 20-somethings coast to coast for his tough-talking survival guide, "No More Ramen."
"Why don't they save? The short version is, they never had to do it before. Their parents, the baby boomers and just after, have done so well economically that they've never had to have a budget before," he says.
"The problem is, when they're living at home, they take for granted that room and board is free, transportation is relatively free, most of their expenses are gratis on the parents, so they've got that financial umbilical cord. When they do break out on their own, they find out that everything has an associated cost. It's a really tough concept for them that they just got done with college and they already have to save for retirement, so some of them are frozen in time and they just don't start saving," Aretakis says.
Make affordable sacrifices
Peg Downey, a fee-only Certified Financial Planner and partner in Money Plans, of Silver Spring, Md., says it only takes a small lifestyle adjustment early on, not a major commitment, to get this saving party started.
"If they just saved what they spend everyday at Starbucks, they would have a million dollars right there when they retired," she says. "It's phenomenal."
Maybe not a million -- but a half million, easy. Why quit the daily stop at Starbucks? You can brew that good stuff at home much more cheaply.
Let's say that, beginning at age 25, you put the equivalent of seven $4 grande lattes a week toward retirement, setting aside $121 a month. If you invest it in a stock mutual fund with annualized returns of 9 percent, you would see $23,415 after 10 years, $80,814 after 20 years, $221,520 after 30 years and a whopping half-mil, or $566,440, when you retire at age 65.
Similarly, you can add even more to your retirement funds if you routinely set aside the price of small purchases.
Small trade-offs to make for future security:
A couple of movie dates a month.
An occasional manicure or tanning session.
Music CDs.
A couple of appletinis a week.
Women: Pay close attentionOf course, historically, investing in a stock fund that mimics an index such as the Standard & Poor's 500 has offered returns of 10 percent, but there is no guarantee that it will continue to do so in the future. Nevertheless, young folks are in the best position to weather the storms of volatile markets because they have more time to recoup losses.
Downey says young women in particular need to start socking away the latte cash sooner rather than later.
"They're going to live longer, they're going to earn less, and they may need to fund their own retirement," she says. "The way that jobs work now, you don't stay at one job more than a couple of years, so nobody is going to be building up any kind of pension, even if there was one."
Make it, but don't take itThe easiest way to make affordable sacrifices on a regular basis? Take the money out of your paycheck before it hits your hand.
"Get them to open up a savings account and, even if it's $20 a paycheck, just siphon that off so that it automatically goes in there," says Avdul.
"The first goal is to get them to take it out so they don't have to think about it."
Downey agrees: "It's rare that people actually think to have money taken out of their check automatically every month; it can go into a money market account or a mutual fund.
"When I say that, people are just amazed. You never see it so you won't spend it."
Don't pass up free-money
401(k) plansEmployer-match 401(k) plans work well that way for many. Although some young workers bristle at tying up their money for so long, an employer match is one of life's rare free-money opportunities that are too good to pass up.
"So many people tell me, 'I can't afford the 401(k), I'll do that in a couple years when I'm settled,'" says Aretakis. "You can't afford to wait."
Say your company will match 50 percent of your contributions, up to 6 percent of your salary. And let's imagine you earn $40,000. If you agree to contribute 6 percent, or $2,400, your company would add another $1,200 to the pot. That's a 50 percent return on your money without even putting it into a risky stock fund.
On top of that, you're putting away money on a pretax basis, which lowers your income base when it comes to paying the tax piper.
"If you're getting taxed maybe 25 percent state and federal, you just made 25 percent on your money, plus whatever cumulative interest you're going to make on top of that every year by putting it into a diversified account. You can't get any better return than that," says Aretakis.
Of course, you will have to pay taxes on that money eventually, but in the meantime it can grow unfettered by taxes.
Live within your meansTo find the scratch to sock away, Aretakis offers some suggestions.
Ways to increase income or lower expenses:
Get a roommate.
Work a second job.
Drive a fuel-efficient, secondhand car.
Use an online telephone service like Skype or Vonage to lower communications costs.
Cook in rather than eat out.
Ditch credit cards and use cash.
Above all, strive to live within your means -- not some Hollywood fantasy.
"Put together a budget and live beneath that budget," Aretakis advises. Open up a brokerage account and start socking money away, he adds.
none of the rich dad pimp dad bullshit...
article from yahooo finance
"Being young and financially irresponsible is great fun, but being old and broke stinks.
Still, that doesn't mean you have to become a shut-in and put every spare cent into your retirement plan. Tuck away a little bit on a regular basis and you can party when you're 19 and 99.
The turbulent 20s, that sometimes pleasurable, often painful transition from carefree adolescence to responsible adulthood, is admittedly a difficult time for anyone to focus on saving for retirement.
"It's tough to start talking too many numbers with young people because a lot of times they're also overwhelmed -- it's their first job, their first real paycheck, their first apartment, their first time dealing with health insurance," says Derek Avdul, financial consultant and author of "Real Life 101: The Workbook."
"When you have all these variables going on and they're trying to be grown-ups, retirement just takes a back burner for a lot of them."
Small sacrifices Saving a little bit each month from the time you are young doesn't require great sacrifice, yet it can make the difference between prosperity and poverty in the second half of your life.
Put retirement front and center
1. Cut the financial umbilical cord 2. Make affordable sacrifices 3. Women: Pay close attention 4. Make it, but don't take it 5. Don't pass up free-money 401(k) plans 6. Live within your means
The reason their parents' generation continues to harp on it, with the best of intentions of course, is that many of them wish they'd started saving earlier, when they could have made smaller sacrifices and let compound interest do the heavy lifting. Compound interest, you may recall, is interest that is calculated on the initial principal and the accumulated interest of prior periods.
But that sage advice, as sound as it is timeless, still mostly falls on deaf ears.
"You can't talk to them about 30 years from now and how compound interest is going to benefit them, because, as we all know, at that age you know a lot more than anybody older than you and you're not going to need retirement money because you're going to make it big on your own," Avdul says.
Cut the financial umbilical cord
Unrealistic money expectations are rampant among young people today, according to author Nicholas Aretakis, who interviewed hundreds of 20-somethings coast to coast for his tough-talking survival guide, "No More Ramen."
"Why don't they save? The short version is, they never had to do it before. Their parents, the baby boomers and just after, have done so well economically that they've never had to have a budget before," he says.
"The problem is, when they're living at home, they take for granted that room and board is free, transportation is relatively free, most of their expenses are gratis on the parents, so they've got that financial umbilical cord. When they do break out on their own, they find out that everything has an associated cost. It's a really tough concept for them that they just got done with college and they already have to save for retirement, so some of them are frozen in time and they just don't start saving," Aretakis says.
Make affordable sacrifices
Peg Downey, a fee-only Certified Financial Planner and partner in Money Plans, of Silver Spring, Md., says it only takes a small lifestyle adjustment early on, not a major commitment, to get this saving party started.
"If they just saved what they spend everyday at Starbucks, they would have a million dollars right there when they retired," she says. "It's phenomenal."
Maybe not a million -- but a half million, easy. Why quit the daily stop at Starbucks? You can brew that good stuff at home much more cheaply.
Let's say that, beginning at age 25, you put the equivalent of seven $4 grande lattes a week toward retirement, setting aside $121 a month. If you invest it in a stock mutual fund with annualized returns of 9 percent, you would see $23,415 after 10 years, $80,814 after 20 years, $221,520 after 30 years and a whopping half-mil, or $566,440, when you retire at age 65.
Similarly, you can add even more to your retirement funds if you routinely set aside the price of small purchases.
Small trade-offs to make for future security:
A couple of movie dates a month.
An occasional manicure or tanning session.
Music CDs.
A couple of appletinis a week.
Women: Pay close attentionOf course, historically, investing in a stock fund that mimics an index such as the Standard & Poor's 500 has offered returns of 10 percent, but there is no guarantee that it will continue to do so in the future. Nevertheless, young folks are in the best position to weather the storms of volatile markets because they have more time to recoup losses.
Downey says young women in particular need to start socking away the latte cash sooner rather than later.
"They're going to live longer, they're going to earn less, and they may need to fund their own retirement," she says. "The way that jobs work now, you don't stay at one job more than a couple of years, so nobody is going to be building up any kind of pension, even if there was one."
Make it, but don't take itThe easiest way to make affordable sacrifices on a regular basis? Take the money out of your paycheck before it hits your hand.
"Get them to open up a savings account and, even if it's $20 a paycheck, just siphon that off so that it automatically goes in there," says Avdul.
"The first goal is to get them to take it out so they don't have to think about it."
Downey agrees: "It's rare that people actually think to have money taken out of their check automatically every month; it can go into a money market account or a mutual fund.
"When I say that, people are just amazed. You never see it so you won't spend it."
Don't pass up free-money
401(k) plansEmployer-match 401(k) plans work well that way for many. Although some young workers bristle at tying up their money for so long, an employer match is one of life's rare free-money opportunities that are too good to pass up.
"So many people tell me, 'I can't afford the 401(k), I'll do that in a couple years when I'm settled,'" says Aretakis. "You can't afford to wait."
Say your company will match 50 percent of your contributions, up to 6 percent of your salary. And let's imagine you earn $40,000. If you agree to contribute 6 percent, or $2,400, your company would add another $1,200 to the pot. That's a 50 percent return on your money without even putting it into a risky stock fund.
On top of that, you're putting away money on a pretax basis, which lowers your income base when it comes to paying the tax piper.
"If you're getting taxed maybe 25 percent state and federal, you just made 25 percent on your money, plus whatever cumulative interest you're going to make on top of that every year by putting it into a diversified account. You can't get any better return than that," says Aretakis.
Of course, you will have to pay taxes on that money eventually, but in the meantime it can grow unfettered by taxes.
Live within your meansTo find the scratch to sock away, Aretakis offers some suggestions.
Ways to increase income or lower expenses:
Get a roommate.
Work a second job.
Drive a fuel-efficient, secondhand car.
Use an online telephone service like Skype or Vonage to lower communications costs.
Cook in rather than eat out.
Ditch credit cards and use cash.
Above all, strive to live within your means -- not some Hollywood fantasy.
"Put together a budget and live beneath that budget," Aretakis advises. Open up a brokerage account and start socking money away, he adds.
Saturday, October 13, 2007
Saturday Night Movies
I havent been watching too mnay movies at the cineplexes lately cos mainly I havent been able to convince people to watch the movies. I couldnt convince anyone to come with me for resident evil extinction and thus I had to go alone....I didnt like it muhc...only the action....was ohkkk and mila jovovich wasnt even good in this one...one thing I did notice that there was smoothing technique applied ot ehr skin throughout the movie to make it look nice...unfortunately ali larter who was also in this movie didnt get it....there was no nudity and no good zombies so the movie was a dud...
I have been watching some movies lately because i copied arnd 45 gb of movies approximately 50 movies from a guy I know and I watched some movies recently. I really loved trendspotting. I dont endorse or support pushing anything but I liked the movie cos:
I have been watching some movies lately because i copied arnd 45 gb of movies approximately 50 movies from a guy I know and I watched some movies recently. I really loved trendspotting. I dont endorse or support pushing anything but I liked the movie cos:Ewan Mcgregor with his accent was great.
The other chap from full monty and that james bond movie was good as being as mad as a hatter
Mainly these 4 or 5 lads from scotland and their obsession with heroin....2 of them were clean and stuff....and its interesting how the story evolves
Someone told me my life is some really slow Woody Allen movie and half as interesting. I havent watched any wooden allen movie till now and since I have taken this movie "Manhattan" from someone else on the network Ill watch it soon. It stars woody allen as usual as a sad comedy writer in love with a high school girl(totally illegal), with a lesbian ex wife(a suprisingly hot meryl streep) and then he falls in love with the mistress of his best friend.Now i havent watched the movie yet but I jus watched some part of it and its in black and white....Ill watch it and let people know.
Friday, October 5, 2007
30 things I have done
Saw some girl do that and she had lame entries like "I had a pet turtle"and "I had a stalker"....wat crap...i decided to put mine.....
1) Was punished in school while dancing with the national anthem
2) Was beaten by 2 chinese guys in school and I survived it
3)Was caught in class 9 imitating the vice principle
4)Was banned from bio class the entire class 10
5) Had curshes on 2 different sreya basu s( shreya and sreya), sreya basu later became my gf
6) Have been knocked off from the dance floor by a drunk girl
7)Was always dead scared of cats and dogs all my life...
8)Let a cat sit on my lap to please a special someone
9)Fought with an auto driver when I was in class 7
10)Learnt wat prostitute means when I was in class 6 and thought the idea was smashing
11) (All DB people) used to gawk at a girl called sneha misra behind our school who is now a model for maxim and cosmo(shit)
12) Parents and teachers thought I would end up in asylum or jail by 21
13) Took up bodybuilding....left it ..will take up again
14) Was a model for ABP group when I was 12 yrs old
15) Told I look like Sergey Brin and Jerry Seinfeld
16) Told i look french algerian and mistaken for one
17) Approached in various degrees of uncomfortness by several gay chaps who thought i had the quality too
18) Have been hit upon by women way elder to me
19) Had romantic obsessions which lasted 5 yrs each
20) Wanted to be a computer scientist when I was a kid
21) Had crushes on friend's gfs and fiances
22) Represented univ as a proffesional gamer
23) Became from a non photographer to one in one year
24) Always had dreams of saving a plane from a terrorist attack where a certain actress(drew barrymore, monica bellucci) needed to be rescued
25) Been told by a girl...that im sexy but not cool (hehehhee)
26) Trimmed my body hair
27) Had cut myfinger after trying to imitate zorro with a pen knife
28) Was scared of water and took me 7 or 8 yrs to learn to swim
29) Went wake boarding and looked retarded cos got cramp in the middle
30) Told everyone at salsa class that I was dyxlesic to cover up bad coordination
1) Was punished in school while dancing with the national anthem
2) Was beaten by 2 chinese guys in school and I survived it
3)Was caught in class 9 imitating the vice principle
4)Was banned from bio class the entire class 10
5) Had curshes on 2 different sreya basu s( shreya and sreya), sreya basu later became my gf
6) Have been knocked off from the dance floor by a drunk girl
7)Was always dead scared of cats and dogs all my life...
8)Let a cat sit on my lap to please a special someone
9)Fought with an auto driver when I was in class 7
10)Learnt wat prostitute means when I was in class 6 and thought the idea was smashing
11) (All DB people) used to gawk at a girl called sneha misra behind our school who is now a model for maxim and cosmo(shit)
12) Parents and teachers thought I would end up in asylum or jail by 21
13) Took up bodybuilding....left it ..will take up again
14) Was a model for ABP group when I was 12 yrs old
15) Told I look like Sergey Brin and Jerry Seinfeld
16) Told i look french algerian and mistaken for one
17) Approached in various degrees of uncomfortness by several gay chaps who thought i had the quality too
18) Have been hit upon by women way elder to me
19) Had romantic obsessions which lasted 5 yrs each
20) Wanted to be a computer scientist when I was a kid
21) Had crushes on friend's gfs and fiances
22) Represented univ as a proffesional gamer
23) Became from a non photographer to one in one year
24) Always had dreams of saving a plane from a terrorist attack where a certain actress(drew barrymore, monica bellucci) needed to be rescued
25) Been told by a girl...that im sexy but not cool (hehehhee)
26) Trimmed my body hair
27) Had cut myfinger after trying to imitate zorro with a pen knife
28) Was scared of water and took me 7 or 8 yrs to learn to swim
29) Went wake boarding and looked retarded cos got cramp in the middle
30) Told everyone at salsa class that I was dyxlesic to cover up bad coordination
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