i'm very old fashioned... and i like to deal with people face to face so when i get achance to deal with ING Direct, i was hesitant... but i thought i'd give it a try... man... my rep is just not very good.... he's rude and not very specific... i wished he had called earlier so i can deal with everything. i didn't feel very personal and since everything is over the phone... well things take a lot longer to happen.
Although the rates may b a bit better, that's probably cos they skimped on the customer service training. i'm not a big fan of renewing with them. sue is trying to get someone else now. To b honest, is it a tor thing? whatever the case when we tried other banks, they were willing to give us compareable rates which were pretty close.
inother words... unless u don't mind being beside the fax machine all day... you'll probably get better service at the real banks. you'll still get gouged but hey... that's what we get for not being millionaires that can purchase everything on the spot.
Tuesday, May 15, 2007
i finally got on blogger and all my friends r on facebook. with the camera i bought from kevin (plus the $50 1 gb mem card and $35 card reader).. i can now make videos and pictures to post. how much do i want to detail my life for my friends to see? does anyone want to see what i do?
the web could b full of weirdos and stalkers and identity theives waiting to get to know about my life and what i do. this is scary. i gotta have some protection. what benefits of being anonymous and off the system net outweigh being in touch with long lost friends and family?
if they were my really good friends, would i call them anyways? or pop them an email? or have dinner with them? i know sometimes it's good to see pics of what happened. i guess Sue and i will have to start building something once we move. i'm not a good record keeping guy but sue is... cos once we're gone... who's gonna know we were ever here if we don't leave a mark or impression? my concern is... first it was one's own webiste and domain name... then came xanga and blogger and last yr was my space and now it's facebook. what about all those inbtween like friendster and lava life ... my point is... get one address and stick to it.... cos it sucks moving all those old posts from one spot to another... unless of coures somebody figures out an easy export program. or will the future b youtube? cos who wants to read when one can watch... to fulfill all the lurking voyeuristic urges out there.
the web could b full of weirdos and stalkers and identity theives waiting to get to know about my life and what i do. this is scary. i gotta have some protection. what benefits of being anonymous and off the system net outweigh being in touch with long lost friends and family?
if they were my really good friends, would i call them anyways? or pop them an email? or have dinner with them? i know sometimes it's good to see pics of what happened. i guess Sue and i will have to start building something once we move. i'm not a good record keeping guy but sue is... cos once we're gone... who's gonna know we were ever here if we don't leave a mark or impression? my concern is... first it was one's own webiste and domain name... then came xanga and blogger and last yr was my space and now it's facebook. what about all those inbtween like friendster and lava life ... my point is... get one address and stick to it.... cos it sucks moving all those old posts from one spot to another... unless of coures somebody figures out an easy export program. or will the future b youtube? cos who wants to read when one can watch... to fulfill all the lurking voyeuristic urges out there.
got my refund back!
i heard last night that revenue canada needs to order 20 million envelopes in a hurry... good thing i got my refund back. i am now inspired to try to save up to a million dollars but at this rate... i'll b 70 yrs.... cos i still have to pay off the house.
i currently save $710 for my rrsps and $100 for my non rrsps every month but that doesn't seem enough. either i have to make more money or save even more and i have to find better investments.
seeing as how i missed out on buying a house in my 20s, i am a little frustrated at myself.... i read enough to truely believe that stocks/mutual funds will appreciate over a 35 yr horizon quicker tahn real estate. but since real estate has taken a huge upswing for the last 5 yrs, it has far outpaced any mutual fund return. i still have a small investment with the team and that too is atleast locked in for 5 yrs. i guess i am too conservative. i will make my million the old old fashion way. saving a little once every 2 weeks. i know i won't have a boat or a rolex unless i get it at a junk yard or garage sale but i fear the water and i don't use a wtach so this works out.
i suppose if i worked hardedeto get a higher paying job, i would be able to achieve my goal sooner. this is something ia m looking into. yes, all the books say get a raise first.... and then switch to another job that u love if that isn't possible.
so do i slowly choose to accumulate weath ( the easiest way) and wait until i am old feeble and grey or take a higher risk now to be even more aggressive (taking out an investment loan).
i 'm gonna have to think about this one. dollar cost averaging fits my risk tolearnce. leveraging will keep me up at night. mind u the mortgage is keeping me up at night. i guess i have to get used to it. i'm gonna have to call vicky one of these days. that or do it myself.
i currently save $710 for my rrsps and $100 for my non rrsps every month but that doesn't seem enough. either i have to make more money or save even more and i have to find better investments.
seeing as how i missed out on buying a house in my 20s, i am a little frustrated at myself.... i read enough to truely believe that stocks/mutual funds will appreciate over a 35 yr horizon quicker tahn real estate. but since real estate has taken a huge upswing for the last 5 yrs, it has far outpaced any mutual fund return. i still have a small investment with the team and that too is atleast locked in for 5 yrs. i guess i am too conservative. i will make my million the old old fashion way. saving a little once every 2 weeks. i know i won't have a boat or a rolex unless i get it at a junk yard or garage sale but i fear the water and i don't use a wtach so this works out.
i suppose if i worked hardedeto get a higher paying job, i would be able to achieve my goal sooner. this is something ia m looking into. yes, all the books say get a raise first.... and then switch to another job that u love if that isn't possible.
so do i slowly choose to accumulate weath ( the easiest way) and wait until i am old feeble and grey or take a higher risk now to be even more aggressive (taking out an investment loan).
i 'm gonna have to think about this one. dollar cost averaging fits my risk tolearnce. leveraging will keep me up at night. mind u the mortgage is keeping me up at night. i guess i have to get used to it. i'm gonna have to call vicky one of these days. that or do it myself.
running up that hill
a kate bush song from the 80s... as a professed 80s music kinda guy.. i only remember songs frpm after 82... now 90s... i think i may know a few more1
i participated in the vancouver marathon relay run this yr. leg 4 from english bay to 4th and alma. 6 km all up hill in the rain. The original plan was to run it for free with teresa but bonnie called last minute for me to sub on her weak in the knees team ( but most of the girls bailed) and i subbed in. we changed to a mens team and i thought running 6 k is better than running 20 k.
seeing as my leg didn't start til 10 am at the lastest, i still woke up at 6 and slowly transitioned my way down to the leg 4 starting site. i got to see the marathoners run past 2nd ave but i didn't see paul or kitka. i did see some of the half marathoners finish and backtracked all the way to beach street where i saw teresa, falcos and stacey go by. I even got to cheer paul on!
as my leg apporached, i tore up the path and passed about 20 marathoners to get to alam. once there, i handed it off to mike and i strolled around the relay station for a bit. figuring that i had no way home other running or taking the bus, i gambled and decided to finish leg 5 (~10k) non stop. boy, was taht in pain... speed walkers blew by me... this is were the conditioning really kicks in... and i pushed myself in the rain far harder than i should have. the hops started to burn after mile 23 and i was not hydrating properly after mile 24. sheer will got me to mile 25 and the energy of the crowd helped me finish. i did enjoy seeing the yale town yuppies being stuck in traffic as they were forced to watch these runners bravely complete their 26.2 miles journeys.
i met up with kitka inside bc place and congratulated her on her stunning run. john had biked with her the whole time. that is sweet.
chung and teresa were long gone but i met up with bonnie and the team n we went to have sushi afterwards. of course being in the rain post run is what made me sick with the cold now.
being stupid and euphoric, i have now signed on to run the victoria marathon with chung. i have 145 days til oct 7th. i have adequate training time to start today... hee hee
i participated in the vancouver marathon relay run this yr. leg 4 from english bay to 4th and alma. 6 km all up hill in the rain. The original plan was to run it for free with teresa but bonnie called last minute for me to sub on her weak in the knees team ( but most of the girls bailed) and i subbed in. we changed to a mens team and i thought running 6 k is better than running 20 k.
seeing as my leg didn't start til 10 am at the lastest, i still woke up at 6 and slowly transitioned my way down to the leg 4 starting site. i got to see the marathoners run past 2nd ave but i didn't see paul or kitka. i did see some of the half marathoners finish and backtracked all the way to beach street where i saw teresa, falcos and stacey go by. I even got to cheer paul on!
as my leg apporached, i tore up the path and passed about 20 marathoners to get to alam. once there, i handed it off to mike and i strolled around the relay station for a bit. figuring that i had no way home other running or taking the bus, i gambled and decided to finish leg 5 (~10k) non stop. boy, was taht in pain... speed walkers blew by me... this is were the conditioning really kicks in... and i pushed myself in the rain far harder than i should have. the hops started to burn after mile 23 and i was not hydrating properly after mile 24. sheer will got me to mile 25 and the energy of the crowd helped me finish. i did enjoy seeing the yale town yuppies being stuck in traffic as they were forced to watch these runners bravely complete their 26.2 miles journeys.
i met up with kitka inside bc place and congratulated her on her stunning run. john had biked with her the whole time. that is sweet.
chung and teresa were long gone but i met up with bonnie and the team n we went to have sushi afterwards. of course being in the rain post run is what made me sick with the cold now.
being stupid and euphoric, i have now signed on to run the victoria marathon with chung. i have 145 days til oct 7th. i have adequate training time to start today... hee hee
done like dinner
Canucks are done for another yr my friends. The beard is gone. If i can figure out how to post the picture, it's gonna b up here... suffice it to say... it didn't look very good. just the old ladies liked it and none of the young ones. Sue is happy it's gone... but for me... i gto to see a touch of grey and i quite enjoyed having some extra sensors but not as strong as cat wiskers.
well round 2 and game 5... that is way better than last yr's missing payoffs by 2 points.
as for the moose... they got ousted by hamilton and the giants lost in game 7 double OT even though they were up 3 games to 2. I would rather they lose the back to back bid as now they have even more hunger to win the memorial cup.
kudos to team canada for winning the gold in russia! we have a nice young nucleus this yr and that bodes well for hockey canada. I won't talk about the shane doan incident... other than that was the last hurrah for the bloc. once the party disintegrates, perhaps a realignment of party seats will allow for decent representation by population out in the ever growing west and shift more power over here. if not, then justin trudeau will have a lot of work leading the liberals back to greatness.
well round 2 and game 5... that is way better than last yr's missing payoffs by 2 points.
as for the moose... they got ousted by hamilton and the giants lost in game 7 double OT even though they were up 3 games to 2. I would rather they lose the back to back bid as now they have even more hunger to win the memorial cup.
kudos to team canada for winning the gold in russia! we have a nice young nucleus this yr and that bodes well for hockey canada. I won't talk about the shane doan incident... other than that was the last hurrah for the bloc. once the party disintegrates, perhaps a realignment of party seats will allow for decent representation by population out in the ever growing west and shift more power over here. if not, then justin trudeau will have a lot of work leading the liberals back to greatness.
Tuesday, May 1, 2007
Tax time
I survived another tax yr! hopefully i will get a refund.... the question is, should i invest the refund or treat myself to a holiday? or pay off my debt... what debt u say? i'm finally free of debt... i'm trying to not incurr more debt once the mortgage starts.
I am divided though as the perosn i've been getting to do my taxes the last 5 yrs was let go from their previous job for abusing the payroll responsibilities. so do i stay with the person? or trust that my personal information will b safe? That sensitive info can b abused by anyone who has access. i have a access to personal info as well and i don't use it.
I've worked hard to make my credit rating score high and it would just suck if it gets messed up. I guess sometimes one can b the good citizen for society and the ones that benefit are those who cheat bend the rules of the system.
well, i paid my taxes and i won't go to jail. i can sleep at night... unless some bloody car alarm goes off. as they say, it's life and u can only control the things u can control....
I am divided though as the perosn i've been getting to do my taxes the last 5 yrs was let go from their previous job for abusing the payroll responsibilities. so do i stay with the person? or trust that my personal information will b safe? That sensitive info can b abused by anyone who has access. i have a access to personal info as well and i don't use it.
I've worked hard to make my credit rating score high and it would just suck if it gets messed up. I guess sometimes one can b the good citizen for society and the ones that benefit are those who cheat bend the rules of the system.
well, i paid my taxes and i won't go to jail. i can sleep at night... unless some bloody car alarm goes off. as they say, it's life and u can only control the things u can control....
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