Tag: investments

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My Life

Mind Eraser?

I wish I could have one of those cool mind erasers like they have in MIB, but one that only erases my regrets. There’s lots of things in my life that I both regret doing, and things that I regret not doing.

But for me, they build up, and bug the hell out of me years later. I can’t seem to move on from them. Last night I was kept awake for hours because of something I didn’t do (or maybe it was something I did, depending on the way you look at the situation) when I was 12! God damnit.

Either way, as yesterday’s post stated, I was lazy as hell. I did work my full 8 hours though, and I got some stuff done. But not as much as I could reallly have gotten done. I applied to a few part time jobs. Extra money is always nice. An extra $400-500 a month could do a lot for me. 🙂

After I got home I was going to go biking to start burning off the fat that I gained at my parents house (which is very visiable), but then I got home and decided that it was still too cold to go out. God I’m lazy. I need to get my ass back going to the gym and doing the biking thing. Gah, why is staying healthy so much work?

I ended up sitting on the couch chatting with people online all night, I met someone who’s from Bakersfield, and he started talking with Blake, and then we got into this random three sided conversation. It was crazy. He and I might be doing lunch. I’m going to give him some business contacts cause he’s trying to find a job, and since I keep getting job offers, I figured I’d just pass those people onto him. (Speaking of which, I got ANOTHER call yesterday for a job down in SD)

I also met this guy who graduated from ISU in 2003 and is living in Dana Point. He seems cool, but we haven’t talked too much. I met this other random guy who apparently knows Nikki and JonJon and who was dating Matt at the SAME TIME that Matt was dating JonJon.. Very crazyness. I want to contact Nikki to get her side of the story, because of course his story makes him out to be the victim. I just like hearing both sides. 🙂

And lastly, I’ve been e-mailing this guy back and forth for like a week, he’s been wanting to hang out. But since I’ve been in Iowa I clearly couldn’t. Well last night he indicated that he wanted to hook up as well as hang out. Well I knew I had seen his profile on MySpace and could have sworn it said he was in a realtionship, so I looked and YEP, that fucker is clearly in a relationship, and his boyfriend posts like every other day that he “loves him” on his comments and shit. It’s like, WTF? What is WRONG with the gay community that they want to hook up with random people, EVEN WHEN THEY HAVE A BOYFRIEND ALREADY!?!?!?! God I hate homos.

My mom also called last night and asked how Blake was doing, cause I told her about him being in the hospital, I had to talk to someone about it. Anyways, I thought that was very nice of her. She’s got her up days. lol.

I started researching investments again for this next year, I’m looking into other companies besides T Rowe Price, and I REALLY like Vanguard. If you want to invest something, you should also check them out. I think I will open a few accounts with them this year. They have much lower Expense Ratios then TRP, which is nice. I also am enjoying my new Orange account. 🙂 I need to find a bank around here to cash my EE Bonds for free though. Since Principal doesn’t have an actual location and you have to be physically present to cash them, I can’t just mail them in like a normal check. But WF charges you to cash them if you aren’t a customer, so I have to call some other banks. I’m thinking a credit union would be my best bet. But now even THEY are statrting to charge non-customers for services. I fucking hate banks.

OG installed WP2.0 the other day and it’s very cool. I really need to get my ass in gear and update as well. Maybe this weekend, but probably not.

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My Life

Taxes Are Done

Well my taxes are done for the year.. I should have my refund in a week. Oh the joys of e-file. Excellent.

Though, I’m kind of annoyed that you can only do one state e-file a year. What if you’re like me and have to file in three states! That’s just annoying if you ask me. Whatever I guess.

I finially got my new chair here at work, but it’s still not very comfy. I’m thinking I may take my refund and go buy a new chair. Or maybe I’ll spend it all on a trip abroad, or a new Mac Mini, or OMG, there’s just so much to spend it all on! Gah!

I’ll probably end up just paying off the rest of my credit card with it. Once I do that it’ll leave me with $144 of my refund left. Just enough to buy QaF Season 4 and something else small. Blah.

But that means I’ll have $500 a month extra to spend on Mutual Funds and investments! Woot! My goal is to own at least $1,000 in all of TRowe Price’s Mutual Funds which are performing well. And a few of the others too. I’d really like to buy the Japan or Asian mutual funds, just to see what happens. It’d be fun I think!

Speaking of that, in the last two weeks I’ve gained a whopping $35 on my $3000 investment! YAY! Money. Hopefully they will continue to go up and not down… I don’t like red, or down arrows anymore.

Umm, much else going on… I’m sick. 🙁 I’ve been downing cough drops like mad. And I think I’m going to go home about 6 this morning. Maybe earlier.

I came in 2 hours early today just to do the build with Scott and, well he wasn’t here. And the build failed yet again.

How hard is it really, when you check something into ICARBS, you should immediatly upload it to VSS!! It’s REALLY not that hard. Why do people consistently forget to upload it to VSS when they check it into ICARBS?! Gah! It annoys me so much. I wish I could call the fucking developers at night when they do something that stupid.

Blah blah blah. I’m sure.

Ok. Well I’m out everyone. Got studying to do.

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My Life

Work!

Yeah, so I’m fucked over for work on Setp 19th…

I get to work Midnight to 5am and then 10am to 4pm! GREAT! Then i get to come in that night and work Midnight to 8am! I have a feeling that week will be hellish.

Last night was good. JonJon and I hung out with Ty and then went up and hung out with Andrew. It was good times, though abit wierd all at the same time. We watched Noises Off, but they didn’t seem to enjoy it as much as I did.

Andrew and this Brandon kid have been hanging out a lot lately.

Umm, I’m working 1 to 10 today. It’s hellish like. I haven’t had a call all day… then as soon as I step out for 10 minutes, I get one and now I don’t k now how to get VM. It’s hellish!

My goal for the next two years is to invest $40,000. So by Dec 2006, I want to have that much invested in Mutual Funds/Etc. My goal is to have $8 Million by the time I reach 65. Hopefully I can overshoot that by a long shot, but who knows. I’m doing pretty good towards my short term goal for this year of having $12,000 saved. Nearly almost there.

I’ve looked into IRA’s from Principal. Decided they charge too much for management costs.. Typically in the 1-2% range, with some reaching as high at 6%. However, Suze says that you shouldn’t go with anything that’s charging more then 1%. However they don’t charge any transaction fees. So I dunno if that’ll out balance the higher management costs. I’m not sure if paying between 4 and 6 grand over my lifetime per investment carrier is ok or not.

in coming….

Sorry, stupid phones.

I’ve also requested some info from TR Price and some other people. We’ll see. I’d like to stick with Principal as that would make everything very easy… Bank/Health/Investments all in one spot.

I like being gay… Lots of extra money! 🙂

I also looked into insurance again… It’s going to be about $500 every 6 months to go without full coverage… And then $1,000 every 6 months with. I dunno what I should do. I’ll save a ton of month if I don’t get full coverage, and take the risk of killing my car. But it’s not like I _can’t_ afford a new car. So whatever. We’ll see.

Started checking out a new Wiki this morning… It’s called TWiki. I like it, but I think TikiWiki is the way to go for us. It seems so much easier and plus it’s Database driven which is what we want. Not this CGI/flat text shit. I still need to talk to Jon about what functionality he wants in the calendar aspect of it. Does he need a full fledged calendar, or just use the simple one that’s built into TikiWiki. It does all the basic stuff, including spanning day events, one thing that it doesn’t do is upcoming events that I can embed into another page. So that’s a downside since they seem to really like that feature of how it’s set up now.

Problem with the way it is now though is I haven’t been able to integrate the login tables. For some reason even though they both use MD5 encryption for the passwords, they don’t actually generate the same hash. Which is confusing. So whatever. I think if I can get that figured out it’d all work properly.

My Wasabi isn’t getting here soon enough. I talked to the engraving place the other day and they said they wouldn’t engrave my Yotta because it’s too expensive and they only accept things under $300. Since it was $400, they won’t take it. 🙁 I really want to get it engraved!

Ummm. Enough of my blab!

Laters all.