You see true home values probably hit a peak in either late 2003 or 2004. Then every price after that was based on a fake speculation and the prices were pushed up too high. The prices never could account for a purchaser to have a positive cash flow by renting it out. This is where all the banks went wrong. They should have realized it back then and this whole mess would never have happened.

This is something that all of the great real estate gurus always tell you. If you buy Real Estate, always make sure that the rent that you can get for it is enough to pay your mortgage each month, this also includes the escrow for taxes and insurance. But we all did not listen to this advice. We just went out and got those mortgages with those 1 percent teaser payment rates because our Real Estate agents assured us that we could flip it in 6 months or so. I still remember that smile on my agents face.

And then the flip that never happened. It was not possible anymore. By the time I closed on the sale of this pre-construction home, it was already worth $30,000 or $40,000 then what I had paid. The problem is that none of wanted to admit it. We did not want to admit that we screwed up. So we waited longer and longer and now we are so deep in debt to the bank that we have 2 choices left. One is foreclosure and the other is for us to wait 15 years until the 2003 prices increase 150 percent - at 10% a year. So forget about it. What is better? 2 years of bad credit or 15 years of misery?

It sickens me to think that this Florida kid: Michael Hernandez is trying to pull that defense. And I gasp to think about how those greedy lawyers can go ahead and defend him with a clean conscience.

Retards and Autistic people don’t kill people, instead they are usually in fear of being hurt or killed by somebody else. Now on the other had, animals do kill. Also people and kids that have animals for parents can be killers. Something has to transform them from people into animals. So I think the parents should get punished too.

Last year I wrote about John Cooey, he is another animal and we should not allow the mental challenge or insanity pleas in cases like this. This stuff makes America look like a stupid country. The reason this kid killed, is because he either saw violence in his own home or because his parents spoiled him and did not want to hurt his feelings by telling him no when he asks to watch a violent movie. Or maybe the parents were afraid of their own child, so they let him do whatever he felt like. That is an example of liberalism gone wrong. Also too many parents work too much and they are not home enough to properly raise their own kids. Others are selfish and choose to get divorsed to make their own lives more confortable, instead of thinking how it may inpact their childs life. I am not sure of the exact situation here, but it has to be one of these reasons. Maybe the parents are afraid to admin this.  So the next thing that happens is they allow for their children to be raised by other liberal school teachers or parents who may be giving the wrong advice to these kids. So in the end the end the kid is not insane, he is just a victim of foolish parenting and liberalism gone wrong. Drugs are not the answer to this either. The kid needs to be punished by jail and then sent to a special school where he can be taught conservative values and morals. He needs to admit that he did wrong because his parents never taugh him the difference between right and wrong.

Then lets see what happens. Maybe he will change his life, ask God for forgiveness and do something useful to help other kids in this world. But If this still fails and the kid is unrepentant, then the kid should not be considered a human! and maybe he should be treated like any animal and euthenized.

Note: This is only an opinion from a conservative viewpoint. I am relecting my constitution right of freedom of Speach, which as far as I know is still an American Right. Freedom! 

This virus is so evil that it will disable your task manager, change you wallpaper and send you lots of popup to advertise fake anti-spyware programs. Do not click on these ads or you will keep getting more spyware, trojans and virus. It will eventually slow down your pc so much that you will have to call me.  

Yesterday I went to repair another computer for a customer and she had this bad virus. She had the same type of Zlog trojan that I also wrote about last week. That time I decided to reinstall windows, but this time since I had read some articles about it, so I went prepared with a few tools to clean it. First I had the smitfraudfix.exe and I also had a fixtaskmanger.exe as well as a few other basic antispyware and antivirus programs. I thought that the smitfraudfix.exe would be the perfect tool. I went ahead and ran it in safe mode and let it do its things. But even after it was finished and rebooted, this virus kept reappearing. I also noticed that the task manager was still disabled. So now I ran the other tools. I ran the task manager fix tool and it did get me back the access to the taskmanager. I continued to clean using some original methods of regedit and msconfig. This PC had Windows XP home edition. I found a few entries for rundll followed by the name of some strange dlls. So I deleted these from the startup paths and also from the registry Hkey local machine, software, microsoft, windows, run key etc.

I also booted back into safe mode and deleted the strange dll’s which I know are the virus files. But I noticed that even in safe mode, I was still getting the highjacked wall paper and the little yellow triangle that this Zlob trojan causes. it looks like this is a new variant that not even smitfraudfix.exe can get rid off. I also ran Adaware, Spybot and trojanhunter. None of these programs could kill this virus. I was ready to reinstall windows. But I decided to try one more tool. I downloaded a SuperAntiSpyware free version and I tried that too. This program which I once I thought was spyware actually helped clean up many more adware, trojans and spyware programs. It only left the fake wallpaper and I removed that, but I still have a feeling that this virus is still hiding somewhere else.But where can it be hiding? I think it has somehow infected the files that windows uses to display the active wallpaper. I will have to go back this evening and this time I will have to try a self booting antivirus program and see if it find the effected files. If anybody who reads this post knows a better way I will be glad to here from you. I may even offer you a small reward!

I know that I will see this virus again. Next time I want to be even better prepared for it. Please post any helpful comments below. Thanks in advance.

BTW I just found a few more tools and will bring them to the PC tonight:

SmitRemove and Rouge remover. I also will run ccleaner and install the latest antivirus version as I can find.

Now I think I have no choice but to reformat again and use the correct Corp VLK CD.

Unless somebody knows a way that I can fix the version that is on it, to work, and let me activate it. I also want to know if I call Microsoft, will they be able to help me? I can give them my Corp VLK info and prove that my company paid for it too!

I have had several Routers: Linksys, Netgear, Belkin and even a Novatech and this has happened to all of them. The router either shuts of power to the Radio transmiter or the Radio transmitter burns out completely. 

When this happens, you may get lucky by just doing a Hard Reset and then reprogramming the Router. Also it may not be the router, it may be your wireless card too. But if you find out it is the router what can you do?

Well the answer is: reset it or replace it.  You can also try doing a firmware update. But if none of this works, then this basically means that the radio transmiter or amplifier chip inside the router, or wireless card has burned out. This may have been caused by too much heat, or because of a power surge. If you still have a warranty then take it back and return it. If not buy a new one for about $50. This time buy it at a Store like BestBuy of Circuit City. Pay an extra $10 for the 3 year extended warranty. Also make sure to use a power strip.

Another thing: Always activate the WEP or other Wireless security features. It is possible that hackers can do things to your wireless router, pc’s and network that will cause the radio transmitter to burn out too. If you do not know how to setup security then you should unplug your router. Or you can call me and I will help walk you through this over the phone.

http://www.movicompservices.com

And lastly, if you ever go away for vacation, please unplug your router.

This applies to:

Linksys, Netgear, Belkin, 3com, Novatech etc.

Well Why did they close it? They say that shopping center did not do so well. Maybe the Rent was too high. But Now There are so many new shopping centers being built in West Kendall. Also the population is growing and gas prices are rising. So we need to get enough people to vote for getting a new Hooters in Kendall. If we get a lot of people to post your comments here or on Facebook, Then we may be able to convince the owners about getting one back into our own neigborhood.

So Please post as many comments as possible.  Tell us your story and what you remember about the Town and Country Hooters in Kendall! 

Model = A135-SP4796 

Ever since I downgraded it from Window Vista - Basic Spanish Version, I am having a hard time finding all of the XP drivers. For starters, Toshiba will not help. They have some kind of evil agreement with big Microsoft, not to make it easy for anybody to put XP on it. But I am stuburn, I had Vista. I think Vista is the worst OS that MS has come up with. I do not no many people who like Vista, not even in Big corporate Offices. Everybody is still using Windows XP.

I had started a few weeks ago on this Laptop which belong to my niece. I found some drivers on Hardware Central and Geeks to Go Forums and that helped me to get the Wireless card drivers, The video and eventually the sound to work. Now I am working on it again. I am trying to find the 2 missing drivers:

1) Ethernet Driver - which I can do without as long as I have the wireless working

2) Mass Storage Device - The lack of this prevents me from connecting camera’s USB flash drives or IPODS to it.

Does anybody know who manufactures these 2 parts, The driver has got to be out there somewhere and I will not stop searching until I find it.

Also I hate Toshiba  - Curse them for not helping all of us that resist Vista! 
I almost put Ubuntu Linux, but thought that my niece who is 12 years old may not know how to use it!

Please post comments below.  Thanks!

As I was pressed for time I told my friend that I need to take the computer home and re-install windows. When I arrived home, I searched the internet to find out what kind of virus I was dealing with. It appears to be the Zlob Trojan. This Trojan virus is very nasty. It is hard to get rid of. I found an article on geeks to go.com. This is a virus simular to Error Guard! and it at keeps telling you that you have a virus via Windows anti-virus and it has a yellow triangle on the task bar with an exclamation that will not go away.

If you find this one you may be better of reformatting the computer, but you can also try this tool from geeks to go and it should also clean it.

http://www.geekstogo.com/forum/How-to-Remove-Zlob-trojan-Media-Codec-Goldcodec-Braincodec-t140685.html

In my case it did not work, because I made the mistake of trying to delete files and registry keys and also turning back on several services in an attempt to get back the task manager. So in this case I decided to reinstall windows and that is what I did. I totally wiped away this nasty trojan and all of the other junk that it may have put on the poor pc!

Sitepoint, Cody Moya, Derek Gehl, Majon, Courtney Tuttle, Jim Daniels,

SBI - Site-Build-it! or others.

There are so many of them. But which one is the best? Are they there because of word of mouth? Or is it because they pay for the Ad Words to get there?  I am looking for one myself. I want one that really makes their own money from Internet Marketing and Not from the Sales of their $200 kits. I am not willing to waste money on a SCAM.

I have a friend that bought one of those kits and he used it. He got some results, but not as much as they say you can. He also gave me the kit myself. I read it, but did not find much more than I could already learn by reading the 10,000 ebooks that I already own. The ideas are all there, but they do  not do it for you. You have to do the work and believe me it is time consuming, especially if you have to make multiple pages and proper links to each page.  You have to make a lot of content, or higher someone to do it for you. You also have to send lots of emails or spam! 

I am looking for somebody who will do it for me, but at the same time charge me based on results. So I would pay less in the beginning, but them more as I too make more money. These kit guys do not look like they would have the time to do that for me. But if any of you readers know somebody that does, I am all ears.

I have a site:

http://www.ibookcity.com

and I want to add 100 more ebooks to it. But it is too time consuming.

I have a friend who keeps complaining that he keep loosing money trading stocks. Well, his reason is that he loves to “Short stocks” which is basically a method of borrowing stocks for a higher price and then selling them back for a lower price, and you get to keep the difference. He thinks the market is about to go down, but it does not. So he ends up loosing money.

This is probably because the stock market buys on the news. What this means is that just because the news tells you that we are in a recession, the individual companies that make up the stock market are not, or if they are, they are not showing it yet.  Maybe the Bear Stearns deal is holding things together. But also there are the market makers who are able to keep the market up, as long as possible to keep us from falling into a more severe recession.  Maybe that is ok for them, but in some ways this is hurting us. A good stock market day usually gives banks an excuse to raise the mortgage rates and if they keep going up, that will really create a deeper recession. As I can see this is all a big game.  I think they are waiting for me to invest again and then they can take me for a roller coaster ride, like I did a few years ago.

Only the future will tell. But 2 things are almost for sure. These daily market rallies are either a temporary pattern that will soon fade, and then we will see a huge sell off. Or, If not we may just see a stale market for a long while.  

This is something that I had heard about for several years, it is based on a book called “Bringing down the house” The story is about how some students from MIT made millions of dollars at Casino Black Jack tables, using a mathematical skill called card counting.

To my understanding card counting is a system where you count ones, zeros = negative ones (1, 0 and -1) in rapid succession based upon the face values of the cards that are dealt at a blackjack table. If done properly you can have about a 10 percent advantage over the house. Usually the lower cards will have the value of 1 so, if more low cards are dealt first then your tally will be higher and this means you will have a mathematical advantage over the house. This is not as easy as you think, because not only do you have to know how to count very fast, you also have to have very good eye sight and coordination. Also this is something that Casino owners do not like, and I don’t blame them. Nobody like you to did into their own profits.

Another way that you can make money using statistical calculations is if you are trading in the Stock markets or Forex markets. There is actually software that you can legally use to help you predict exactly when a stock price is going to rise or fall based upon past chart trends, statistical analysis and current buying and selling pressures. I once used a program called Wizetrade that did exactly that. The program does really work, however you have to be very disciplined and follow the training and rules exactly. I also think that the market makers just like the casino operators will find ways to make you overlook your programs recommendations and instead make you interested in buying a stock that does not meet the current criteria recommended by the software program or rules.

I remember falling for these stocks and they caused me to loose money. Other users that were more disciplined did not touch those stocks, so they made the money while I was loosing it.

As for card counting, I only find it interesting to learn or be aware of, but I would never use it in a real live casino. I do not want to get beat up by angry casino security personnel. If I ever play blackjack in a casino I will just play once for fun only.

I really love movies that are of this type and which involve really smart people, and 21 is definitely that type of movie. Some other movies that I enjoyed that are also of this intellectual type are “The Game” with Michael Douglas and “A Beautiful Mind”