Personal Finance - services

Personal Capital (Empower) - https://personalcapital.com/

Mint (Intuit) - https://mint.intuit.com/

Monarch Money - https://monarchmoney.com/ Paid

YNAB - https://www.ynab.com/

SIMPLIFI (Quicken) - https://www.quicken.com/products/simplifi/

1970-90s Brands

 Godrej

Vettum puli matches

charminar

scissors

pasing show

Prestige

Raymond

People

 https://en.wikipedia.org/wiki/Warren_Buffett

https://en.wikipedia.org/wiki/John_C._Bogle

https://en.wikipedia.org/wiki/Robert_Kiyosaki

youtube channels

 https://www.youtube.com/@CodieSanchezCT

https://www.youtube.com/@alux

https://www.youtube.com/@financesimplifiedyt

https://www.youtube.com/@MinorityMindset

https://www.youtube.com/@realestatemindset

https://www.youtube.com/@OrlandoMiner

https://www.youtube.com/@PBoyle

Retirement tools

 https://ficalc.app/

https://www.newretirement.com/retirement/simple-retirement-calculator/

https://www.portfoliovisualizer.com/

ARM - Adjustable Rate Mortgage

 Why I like Adjustable Rate Mortgage over Fixed rate.

privacy in 2019

https://techcrunch.com/2019/02/06/iphone-session-replay-screenshots/

Mobile apps are recording all user actions and screenshoots using technology from
https://www.glassboxdigital.com/ & https://www.appsee.com/

They are not forthright in informing the customers. The record/replay technology providers don't require of their customer to inform the customers. OS platform companies don't ban this capture, as technology.

Well, welcome to 2019

Adobe

Elastic @ Adobe: Making Search Smarter with Machine Learning at Scale
https://www.elastic.co/elasticon/tour/2018/santa-clara/elastic-at-adobe-making-search-smarter-with-machine-learning-at-scale

Real Estate Investment - Resources

https://www.biggerpockets.com/
https://www.fortunebuilders.com/
http://www.sweetrois.com/
https://www.ponderosahomes.com/


Example County Sites (official records)

1. https://payments.sccgov.org/propertytax/Secured/AdvAddress
2. https://www.arcgis.com/apps/webappviewer/index.html
3. http://www.padctn.org/prc/#/search/1
4. http://jacksoncomo.maps.arcgis.com/apps/webappviewer/index.html?id=19d0c3fbbfac42a1bc35bad9be238c53
5. 
   

https://noteinvestor.com/
http://www.mgcleasing.com/
https://app.crowdstreet.com/properties/


https://www.propertyware.com/

https://www.fanniemae.com/content/guide/selling/

Wholesale
Commercial Residential Property
Duplex/FourPlex properties

https://www.zillow.com/
https://www.redfin.com/
https://www.trulia.com/
https://www.loopnet.com/

Profit Sharing Plan

Wikipedia Articles:
https://en.wikipedia.org/wiki/Flipping
https://en.wikipedia.org/wiki/Property_management
https://en.wikipedia.org/wiki/Lease_administration
https://en.wikipedia.org/wiki/OSCRE
https://en.wikipedia.org/wiki/Private_equity_real_estate
https://en.wikipedia.org/wiki/Real_estate_investment_trust
https://en.wikipedia.org/wiki/Real_estate_owned
https://en.wikipedia.org/wiki/Capitalization_rate
https://en.wikipedia.org/wiki/Gross_Rent_Multiplier
https://en.wikipedia.org/wiki/Investment_rating_for_real_estate
https://en.wikipedia.org/wiki/Real_estate_economics
https://en.wikipedia.org/wiki/Rental_value
https://en.wikipedia.org/wiki/Duplex_(building)

Being poor is costly

1. Time spent on commuting
2. Higher interest rate
3. Higher bank fees
4. Collecting check physically, sited of bank deposit/mailed check
5. Going to school to acquire skills , instead of 1:1 coaching by experts
6. No airline mileage redemption
7. Not much healthy food in neighborhood groceries
8. Paying same rate for older/expiring food, than other affluent neighborhoods
9. Higher traffic neighborhood
10. Live under poor air quality most of the life
11. Run old and low efficiency cars
12. Unable to avail car pool lane
13. Lower wages for the same time spent working
14. Poorer working condition
15. Not able to go on vacation, pushes poor into stress and poorer work performance
16. Costs a lot to pay for other even poorer people around you
17. No preventive medical care, puts in to higher cost of health cared maintain acne
18. Employer group health care and government discounts are not available for poor
19. Admin and paperwork delay for poor could have determinantal impact on lives of poor
20. money, time, hassle, exhaustion, menace
21. pay more on a capital basis for inferior housing
22. Discounting for bulk price can disadvantage/injustice for poor who can not offed bulk.
23. Poor has be be another protected class in law. So, poor can fight in court telling discrimination.
24. Depending on public laundry facility over a private laundry. Time, money, bad quality machine, bad outcome. Can be a risky place due to other poor people looking for trouble

People and documents:

1. Bradley R. Schiller, a professor emeritus at American University and the author of "The Economics of Poverty and Discrimination."
2. 
   

Following law is costly

Following all the laws all the time is too expensive. To save some time/money/resource, people/companies/governments break them from time to time. Few of the law breaking incidents are caught and fewer of them are punished.

NSA surveillance...

Just because you can do some thing, there are situations why it might not be a good idea to do it.

US government NSA surveillance....

NSA provides backup (snooping) service to most technology companies in the US. So, other governments, like Brazil, are considering to demand international companies keep their citizens data with in their country - not move it out.

Government Settles on my behalf?

1. UBS to Pay $1.5 Billion to Settle Libor Charges
2. Morgan Stanley Coughs Up $5 Million in Facebook Settlement
3. Standard Chartered Bank has agreed to pay $327 million to settle federal and New York charges it laundered money on behalf of four countries that were subject to U.S. economic sanctions from 2001 through 2007.
4. HSBC settles US money laundering case for $1.9B
   
   
   In what way does it really help me? Is this my wish? Am I truly compensated? Looks like the Government is helping the lawyers get their money (pension?). May be some ego/promotion of government official is met...

China subsidy vs US subsidy

The US government complained to ITO and imposed tariffs on Chinese products imported to the US.

The US federal government offers various subsidies, including farm subsidies for goods end up getting exported. Also, various state,county and city governments provide various subsidies like tax holidays, free land to attract large companies to relocate to their region.

Don't understand the logic - other than calling it double standard.

Apple Store dns ttl change

@Wed Mar  7 15:15:16 EST 2012 the dns ttl for apple is


store.apple.com.        259     IN      CNAME   store.gcsis-apple.com.akadns.net.
store.gcsis-apple.com.akadns.net. 19 IN A       17.112.156.51

while

apple.com.              2484    IN      A       17.149.160.49

apple.com.              2484    IN      A       17.172.224.47

apple store loosing their copyright protection?

Apple copy right as of March 07, 2012 12:12pm Pacific Time says

Copyright © 2011 Apple, Inc. All rights reserved.

I am sure they care for copy protection... Or, did they give up any copy protection after the iPad fight with China?

can't call directly from Android OneNote

Downloaded OneNote Android today (2012/02/28) on receiving promotion mail from hotmail.

1. I can not insert a method to call a number in notes. tel: protocol does not work.
2. On web interface there is no way to insert check boxes.

Is this just poor selection of feature set by Microsoft? makes me wonder, is this what Apple & Google do it just right for them to be doing well in the past 10 years...

Megaupload <> roads

Why should we not sue the owners of 'roads & streets' for allowing bad people drive/walk on them doing bad things? This sounds comparable to the reasoning by Justice department indicted Vestor Limited


http://www.justice.gov/opa/pr/2012/January/12-crm-074.html

Megaupload diagnostics

Megaupload diagnostics after Order of US District court was executed

megaupload.com.         26607   IN      A       107.21.243.42

;; AUTHORITY SECTION:
megaupload.com.         172800  IN      NS      ns5.cirfu.net.
megaupload.com.         172800  IN      NS      ns6.cirfu.net.

;; ADDITIONAL SECTION:
ns5.cirfu.net.          172800  IN      A       107.21.224.156
ns6.cirfu.net.          172800  IN      A       107.21.226.254

---

whois:

   Domain Name: MEGAUPLOAD.COM

   Registrar: DOTREGISTRAR, LLC.

   Whois Server: whois.dotster.com

   Referral URL: http://www.dotster.com

   Name Server: NS5.CIRFU.NET

   Name Server: NS6.CIRFU.NET

   Status: clientDeleteProhibited

   Status: clientTransferProhibited

   Status: clientUpdateProhibited

   Status: serverDeleteProhibited

   Status: serverTransferProhibited

   Status: serverUpdateProhibited

   Updated Date: 20-jan-2012

   Creation Date: 21-mar-2005

   Expiration Date: 21-mar-2014

Registrant:

   Megaupload Limited

   P.O. Box 28410

   Gloucester Road Post Office

   Wan Chai, Hong Kong  00000

   HK

   Registrar: DOTREGISTRAR

   Domain Name: MEGAUPLOAD.COM

      Created on: 21-MAR-05

      Expires on: 21-MAR-14

      Last Updated on: 28-NOV-11

   Administrative, Technical Contact:

      Lam, Bonnie  domain@megaupload.com

      Megaupload Limited

      P.O. Box 28410

      Gloucester Road Post Office

      Wan Chai, Hong Kong  00000

      HK

      +852-3013-7707

   Domain servers in listed order:

      NS1.MEGAUPLOAD.COM

      NS2.MEGAUPLOAD.COM

      NS3.MEGAUPLOAD.COM

      NS4.MEGAUPLOAD.COM

whois for cirfu.net

   Domain Name: CIRFU.NET

   Registrar: GODADDY.COM, LLC

   Whois Server: whois.godaddy.com

   Referral URL: http://registrar.godaddy.com

   Name Server: NS73.DOMAINCONTROL.COM

   Name Server: NS74.DOMAINCONTROL.COM

   Status: clientDeleteProhibited

   Status: clientRenewProhibited

   Status: clientTransferProhibited

   Status: clientUpdateProhibited

   Updated Date: 30-nov-2011

   Creation Date: 01-apr-2009

   Expiration Date: 01-apr-2013

Registrant:

   Federal Bureau of Investigation

   935 Pennsylvania Avenue, NW

   Washington, District of Columbia 20535

   United States

   Registered through: Go Daddy

   Domain Name: CIRFU.NET

      Created on: 01-Apr-09

      Expires on: 01-Apr-13

      Last Updated on: 30-Nov-11

   Administrative Contact:

      Division, Cyber  ipr@ic.fbi.gov

      Federal Bureau of Investigation

      935 Pennsylvania Avenue, NW

      Washington, District of Columbia 20535

      United States

      +1.2023243000      Fax --

   Domain servers in listed order:

      NS73.DOMAINCONTROL.COM

      NS74.DOMAINCONTROL.COM

Hostname				Region Name	City	Postal Code	Lat	Long		Organization		Area Code
107.21.243.42				Washington	Seattle	98144	47.5839	-122.2995		Amazon.com		206
107.21.224.156				Washington	Seattle	98144	47.5839	-122.2995		Amazon.com		206
107.21.226.254				Washington	Seattle	98144	47.5839	-122.2995		Amazon.com		206

Some of the DNS Servers are still returning

London, United Kingdom (BT Global)

174.140.154.24 174.140.154.23 174.140.154.22 174.140.154.21 174.140.154.20

Istanbul, Turkey (TTNET)

212.156.4.8

154.140.174.in-addr.arpa. 1798  IN      SOA     ns1.carpathiahost.net. hostmaster.cirn.net. 2008112100 10800 3600 604800 86400

Business entities who helped in megaupload.com site to be brought down

1. Amazon.com - hosted servers & hosting name server ( http://usdoj.s3-website-us-east-1.amazonaws.com/ )
2. dotster.com - DNS registry
3. godaddy.com - DNS registry for domain name used for the name server for megaupload.com

megaupload.com

HEAD /banner.jpg HTTP/1.0


Date: Sat, 21 Jan 2012 07:38:47 GMT
Server: Apache/2.2.21 (Amazon)
Last-Modified: Fri, 20 Jan 2012 19:31:19 GMT

HEAD / HTTP/1.0

Date: Sat, 21 Jan 2012 07:40:03 GMT

Server: Apache/2.2.21 (Amazon)

Last-Modified: Fri, 20 Jan 2012 21:36:33 GMT

list of names part of 1%

As my contribution to occupy wall street movement, I want to collect the list of people who belong to the 1%. This list is going to be 3,125,380 (3M+). Well, that's a tall order to meet. We should give it a try - why not!! Who knows what we will see/get..

Couple of places to compile from

1. Forbes list (potentially, Copyrighted material)
2. sec filings
3. How about property list (Zillow?)
4. Political Campaign contributions

Bells and whistles:

1. May be provide a wiki style for people to add/edit?
2. Looks at what is spent (how about list of expenses - especially that huge for ordinary things)
3. How to maintain this list as information changes. Can this change on a day to day basis when share market moves around?
4. Why limit to US - why not expand to world wide
5. How to differentiate family wealth from individual wealth
6. How to differentiate office spending on wealthy individuals - as compared to personal spending (Example: President of the US & President of Exon fly to places with whole bunch of people with them. Do we include this trip in their personal income?)