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  1. effenheimer_IHB

    It's official. We are in a recession.

    <img src="http://www.catwack.com/pics/715.jpg" alt="" />
  2. effenheimer_IHB

    Here We Go. Shutting down lines of credit.

    "Average age of accounts" is an important factor in credit scoring. I'd fight to keep open an older account. Newer accounts not so much. I'd be thrilled if they closed a couple of mine. Last time I closed two accounts, it was like pulling teeth and the tradelines didn't report closed...
  3. effenheimer_IHB

    A Peak at Bank Account Balances

    Take the high-dollar ATM receipts and use them to <a href="http://en.wikipedia.org/wiki/Tom_Leykis">write your phone number upon </a>to give to dingbats in OC bars.
  4. effenheimer_IHB

    YouTube (and other) Time Wasters

    I should be in <a href="http://www.msnbc.msn.com/id/27898395/">prison</a>.
  5. effenheimer_IHB

    Effect of inflation on future housing prices

    Horm, I see it like this... Absent some kind of artificial stimulus (like toxic loans), monthly house payments are made from earned income. Those with other methods of covering the monthly nut are few and far between. If nominal wage growth is flat, nominal house prices are going to be flat...
  6. effenheimer_IHB

    Interesting/Amusing Property Finds

    They are very important! <img src="http://www.journeyetc.com/wp-content/uploads/2008/03/bidet-beer.jpg" alt="" />
  7. effenheimer_IHB

    ~ The IHB, 7 Circles Cycling Club information, upcoming events and Post-ride reports thread ~

    Y'all leave too early. I gots bidniss to 'tend in the early morn, dear.
  8. effenheimer_IHB

    My 401k

    <blockquote>What will happen if I go 100% s&p ? Today? I?m thinking of doing it just to see what will happen</blockquote> The market will crash! Duh!
  9. effenheimer_IHB

    So who here is an IAC renter?

    I've been hanging stuff from ceilings and walls of my rentals for years.. Nobody's ever cared. Haven't tried any BDSM gear, tho.
  10. effenheimer_IHB

    Headlines...

    Yay! $20/month Pr0n on a $700 Hi-Def LCD! Who cares about cheap gas when we have no job to drive to?
  11. effenheimer_IHB

    My 401k

    Went to cash equivalents in June 2006 at SPX 1250, been waiting for an entry point ever since. Last month, I pushed-in about 15% of my stash at SPX 850 or so. Now I'm watching for the next leg down. From then to now, I've been doing only the 5% payroll contrib needed to get my full...
  12. effenheimer_IHB

    Problems with landlord (new lease)

    Time to play the <a href="http://www.caltenantlaw.com/images/UDFlowChart.jpg">eviction game</a>!
  13. effenheimer_IHB

    A sneek peek of what will really become of the "Great Park" courtesy of Ken Block Racing

    <a href="http://www.speedventures.com/">Maybe this?</a> I'm thinking about the Autocross next Sunday. I did an SCCA event once at Qualcomm. This event sounds more casual. <em>This Autocross will be set up in a parking lot inside the Speedway. Drivers DO NOT have to work and will get...
  14. effenheimer_IHB

    What were those lights hovering over Irvine/Tustin tonight?

    <img src="http://4.media.bustedtees.com/bustedtees/mf/f/2/bustedtees.4307e88f91b95c9b0cd0c562712653c0.gif" alt="" />
  15. effenheimer_IHB

    Seabreeze Community in Costa Mesa: HOA nuts?

    92606 Streets are Marinella and Reggio
  16. effenheimer_IHB

    Seabreeze Community in Costa Mesa: HOA nuts?

    Bix, there's a 2/2 condo floorplan in Aventura with a two car garage and a ~19' driveway wide enough for two more cars. HOA rules permit parking in these driveways. Perfect for you. Those stupid stucco cubbyholes are still too expensive, though.
  17. effenheimer_IHB

    What were those lights hovering over Irvine/Tustin tonight?

    yup. Trying to catch the taggers who made a big mess outta VOC's wall. Hey, it's a PPT-related activity as grafitti lowers home values!
  18. effenheimer_IHB

    Has anyone here ever driven across America?

    I've driven Florida to Illinois several times. Generally lame, but if you want to get off the beaten path, spend time in the <a href="http://www.blueridgeparkway.org/">Smoky Mountains</a>. As for coast-to-coast, I've done a round-trip in a car (1998), a one-way when moving out here (1999)...
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