Monday, March 31, 2008


Great movie, Great music. Nothing else to say really. I love the song Falling Slowly and When your Minds Made Up. Glen Hansard and Marketa Irglova are awesome. Watch the movie buy the album its great.

Thursday, March 27, 2008

Poverty has been eradicated in Scottsdale Arizona

Poverty in Scottsdale Arizona has been handled. Although I thought I saw an 84 Ford Taurus on Scottsdale Road the other day. They may have been lost. We can now focus on Paradise Valley Arizona.

Why is the Chevy Tahoe Hybrid Car of the Year?

How can an auto company be congratulated for turning out a pig that gets 20/21 mpg. If it were to get 100 mpg they should give them a national holiday. 20/21 mpg is nothing to get excited about when gas hits $4 a gallon in the near future not to mention the carbon dump. The bottom line is that the Chevy Tahoe Hybrid is still going to pump out a lot of carbon in the atmosphere. I should get an award for driving my 2000 bmw 328ci, it gets an amazing 25 mpg. Cmon Detroit you can do better. I'm not impressed. I am still planning on buying a Toyota Prius Plug In Hybrid as soon as they are available. That'll get 100mpg. I think that would deserve an award.

I still don't get how the masses of people can still afford to drive their monster SUV automobiles around. It just doesn't make sense.

Beer Prices Are on the Rise due to wheat shortage

This news is even worse than the current housing crisis. The price of beer will be rising due to a shortage of wheat. There is a fungus called Ug99 that started in Africa and has moved its way north to Pakistan.

Wednesday, March 26, 2008

Heidi and Spencer break it off

I feel like such a loser, I just found out that Heidi and Spencer from The Hills are calling their engagement off. I wish that I could have been there for them. They showed about as much emotion as a wet paper bag. The moods and attitudes from the two were a proud display of juvenile reality tv at its finest. I hope they can patch things up. I think that they make a nice couple.

I hope that they were acting because if that is how they are in real life they seem like empty skin bags.

National George Bush Bake Sale Day

The National Bake Sale Day is on the Cinco de Mayo. Have your baked goods ready to go. This should help fill in the economic gap for the credit crunch. You will need to sell 1500 cup cakes to make up for every $1000 in value your home has gone down. For some of you out their you will be baking a lot of cup cakes. Luckily Americans love to eat too much so you shouldn't have too much trouble trying to sell them.

Monday, March 24, 2008

George Bush and a National Bake Sale

Instead of mailing everyone a tax rebate, how about the George Bush National bake sale. What's more American than a bake sale. Everyone loves good baked goods. We could all have our own bake sale to make more money to buy flat screen tv's and ipods. The Government would need to design a plan to make sure that we did not all have our bake sale on the same day because if we did there would be no customers to buy our baked goods. A better idea would be for the government to buy all of the excess baked goods. The surplus could be federal expressed to Africa as aid. We could then kill two birds with one stone. We would be providing and injection of capital in our economy and providing charity. We all win and Geroge doesn't have to roll out this ridiculous stimulus package.

Call your congressman about having a national bake sale. What the hell.

Billing Solutions Inc. Update

I did get it resolved. My real bill is $60 and not the $430. It was due and I did owe it. I can say the Wells Fargo was not helpful at all in terms of getting it resolved. All they had to do was call the billing company and they wouldn't. I had to have my attorney call wells fargo to get the right information so I could get this sorted out. My answer to the question is Billing Solutions Inc. a scam, no. I do find it odd how screwed up a bill can be for 3 faxes though. I do think the level of service is insulting that I got from Wells. Not everyone has the luxury to use an attorney to get things sorted out.

Battlestar Gallactica the final season on the Sci Fi Channel

I love the show and can't wait for the final season to start on the sci fi channel. It drives me nuts that Commander Adama lets everyone off the hook for everything. It like Gilligans Island and they keep doing stupid things to not get off the island. They need to start killing people to set an example to the other crew.

Truth in Lending

The truth in lending is that the banks make a crap load of money off of you. If you have a $100,000 and you pay back $330,000 on over 30 years, where is the 6%? Well the truth is that you pay back thousands of percent in the first few years of your loan. I'm not saying that borrowing from a bank is bad, it is what it is. We wouldn't have the lifestyle in our country if money wasn't readily available.

The other truth is that most loan officers don't know how to fill out the form. So the intended use of the TIL or truth in lending is not even met in most cases. The idea of the TIL is that a consumer has the ability to compare mortgage rates side by side with different lenders. It really doesn't work the way it is set up now. You really need to do your homework and compare when you are looking for a mortgage.

Additional mortgage articles

Sunday, March 23, 2008

Sam Adams beer, Brewer Patriot

Ever notice on the label of Sam Adams beer that they list Brewer before Patriot? I thinks it's funny that being a brewer is of more importance than being a patriot. I wonder if our founding fathers would have seen it this way. It wont stop me from drinking the beer. Sam Adams Light is one of my favorites.

Saturday, March 22, 2008

Tori Spelling and her new book

I would like to make my public statement today that I will not be reading Tori Spellings new book. Quite frankly I don't care about a spoiled brat and the hell that it was to grow up a rich kid in Beverly Hills. Life is rough in the Beverly and so is publishing a book nobody cares about.

Friday, March 21, 2008

The Fed Rate Cuts wont help you

Yeah the Federal Reserve lowered their rate again. That's good news for the bank and not necessarily good news for you. The Fed lowered its rates by 75 basis points yet mortgage rates only dropped by .25%. The banks make out on this. They will make more money. Also be wary of slick marketing telling you that rates have really tanked, they haven't. It's just slick advertising.

Additional Articles

Is LOST getting ready to jump the shark

I really love Lost but I'm starting to feel like it's ready to jump the shark. I watched it last night and it was exhausting keeping up with the plot twists. I found myself not caring about what they do to each other. Please end the show while it still has some quality left in it.

Monday, March 17, 2008

I Can Make You Thin with Paul McKenna

I just watched the TV show I can make you thin starring Paul McKenna. It was refreshing to see a show that can actually make a difference in peoples lives. You can incorporate what he teaches very easily into your own life. In fact I have already started. If you haven't seen it and you are looking for a practical way to loose weight I would definitely watch this show on TLC

Sunday, March 16, 2008

Brittney Spears & George Clooney

For the record I would like to state that I don't care about George Clooney or Brittney Spears. They have not added in any significant way to the quality of my life. If anything they have robbed me of brains cells just even contemplating the matter. I think I should receive some type of compensation for this. I'll get my lawyer on this at once.

Thursday, March 13, 2008

Larry Winget and Hyundai

I saw Larry Winget on a Hyundai commercial tonight. He is the straight talking get out of debt guy with the really awful shirts. I really like his style for straight talk when it comes to getting out of debt. I was surprised to see him in a commercial telling people to buy a new car. I realize Hyundais are less expensive than other cars, but it will still set you back over 20k. If you want to get out of debt or put money away for your future, don't buy a new car, buy a used one. I can't believe that he would represent himself this way. This move changes my view of him. Seems hypocritical if you asked me. Do as a say and not as I do.

Additional Money Articles

Wednesday, March 12, 2008

Mortgage Prepayment Programs, the lie

To all of you bozos selling mortgage prepayment programs for $3500, my message is simple, business time is over baby. You can do this yourself. DebtFreePartners sells and ebook for $17 on how to do it yourself. Save your money and go on vacation you don't need to buy this crap.

Is Billing Solutions, Inc a scam?

I recently sent a Verification of Deposit to wells fargo from my home office and got a bill from Billing Solutions, INC for over $400. I have my home phone service service with cox communications. I have never heard of this company. Has anyone else out there seen anything like this? Can someone hijack your phone line? I have sent a letter to the attorney general in my state regarding this. $400 for one fax seems excessive. They have two websites one is and It also goes under If you have any insight on this company it would be appreciated.

Thankyou for your input

Consumer Dave

Monday, March 10, 2008

New York Govenor Eliot Spitzer and prostitutes

I'm a regular guy with a regular job. I work alot and don't have a lot of free time. Where do these jerk off politicians find all this extra time for cavorting with prostitutes and doing all the other crap that they are not supposed to be doing. Must be nice.

Saturday, March 8, 2008

Blue State the Movie

You'll either love or hate this movie. If you are a demo you will love it, if you are a repo you may not appreciate the humor. The movie stars Breckin Meyer and Anna Paquin and it is very clever, very funny a must see for those who appreciate an intelligent political comedy.

A definite giddy up

Friday, March 7, 2008

LA Ink vs. Miami Ink

I don't know if it is just me but when Kat was on Miami Ink I liked her and thought that she got a bad deal. Now that I see her on La Ink, I think they couldn't have gotten rid of her fast enough in Miami. Is it just me? What are your thoughts on this?

Thursday, March 6, 2008

Man vs. Wild on the Discovery Channel, Bear Grylls

Man vs. Wild is one of my favorite shows on TV. You can actually learn something. Any guy that can piss in his t-shirt and put it on his head with a straight face scores major props in my book. Survivorman is also one that I watch a lot. I do have to say that any time I watch anything out of Hollywood now just robs me of brains cells. There aren't too many left so I need to be careful at this point.

Wednesday, March 5, 2008

Millionaires Club on Bravo

In theory you could learn alot from life, the same would go for a good reality show. The truth is that most reality shows look like entertainment and not reality. Patti Stanger who is the star of the show and the owner of the Millionaires Club does a great job in having the millionaires see how they occur to women. How we think we are and the experience others have of us can be completely different. Some of these man childs need a good slap in the face to pull their heads out of their asses. The issue with these guys is that they are boys and not men. Women want men and not boys, it's not to hard to figure out. However if no men are available, money would do I guess.

I give this show a thumbs up.

Tuesday, March 4, 2008

Americal Idol

I could probably watch American Idol if it wasn't for Simon Cowell. I think there is a fine line between straight talk and being a jerk. I understand that it is entertainment, however I think that there are a lot of impressionable minds that watch this skin bag and think that this is an acceptable way to conduct yourself in society. I think it's a great opportunity to be discovered, that may be the price that you pay for fame I guess.

Let me know what you think.

Oil Company Green Ads

I don't know about you but when I see these oil companies doing advertising about how green they are I want to vomit. A tiger doesn't change its spots. If they really want to makes changes I think we would hear more about it. I live in Arizona, where are the incentives for solar, what is aps and srp doing to develop more sources of renewable energy. I don't ever hear anything about it in the media. I think BP is blabbing about the small things that they are doing saying it's a start. Get off your ass and take a stand you oil people.

I curious what you all think about it. Let me know.

Lemon Lime Tic Tacs

I don't know if it's me but the lemon lime tic tacs are gross. The lime ones are good but the lemon ones taste like lysol. Does anyone out there like the lemon ones? The cherry passion fruit do kick ass however.

Monday, March 3, 2008, Social Responsibility with your money

I will be acknowledging people out in the world making a difference. I did find a website that actually wants to help people with their finances. is a financial education portal that wants to keep the average American out of financial trouble. Their articles paint the true picture of how money works and how to avoid the pitfalls of predatory lending.

If you have questions about money, go to

The Apprentice

I think The Apprentice could be a great personal experience to have should you be lucky enough to be chosen to participate on the show. I think the social destruction that the show has caused will take 400 years to clean up in our society. Donald Trump's demonstration on how to handle yourself in business is insulting. Kill or be killed. Not a great way to go through life. He even said in one episode that life sucks. Sounds like a fun person to be around. I think people watch this show and take this way of being into their own lives. I've run into a few of them out there in business. They leave a huge wake of destruction on their way to the top. The phrase that comes to mind to me is, selling your soul for the world. The problem with that is that once you get there nobody wants to be around you. The ones that are there just want your money. Donald has force but he has no power.

I would rather hang out with Richard Branson or Mark Cuban. They seem like a lot more fun and you might learn to be a human being and not a human dominator.

Project Runway the great wasteland

I just saw this show for the first time today, what a disaster. I'm all for interesting and entertaining TV. My problem with this show is there is no distinction for where fantasy and reality cross the line. I think the average Joe watches this crap and believes this is how you conduct yourself in the world. I know Simon Cowell has made a name for himself for being direct in his analysis of the singers on American Idol, however there is a fine line between straight talk and being a jerk. Heidi Klum is another insult waiting to happen. The contestants on the show put themselves out there, they don't need an arrogant smart ass putting them down. Straight talk is not berating or humiliating people for ratings. There is a way to honor peoples humanity and still give them an accurate representation for how they occur in the world. They could actually do a service for people. Instead it is sell out of the human spirit just for ratings. I felt ill just watching this show.

People watch this garbage and think this is how I am supposed to be with people in my life and relate with people to get ahead. If this is where you learn your model for interacting with people, you wont have to many friends in about six months.

My advice read a book or go to the gym. Project runway has no socially redeeming value that I can tell. I feel bad for the people they use that go on this show.