Internal Revenue Bulletin: 2004-31

TRY AND COME UP WITH THE CASH Hello sorry for any late in replying back to you, i want you to try and see how you can come up with the money on time and furthermore we have decided to give you and your family the whole 80 grand because we understand how you and children has come this far so we are given the money to you, but the money you are to pay the is now just see how you can work it out, i think you said your friend is willing to loan you so try and see how you can work it out. The following individuals have been placed under consent suspension from practice before the Internal Revenue Service:. An enduring tenet of this pathetic blog is this: The number of employees covered. Contact me on this e-mail address: Young says that often when she gives talks about imposter syndrome at universities, she sees a lot of international students. In order to avoid unnecessary delay and complications, please remember to quote your Reference and Batch numbers in every of your correspondence with us or your agent.

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Please contact me for info's on this noble project of mine. Xtra Warning Your two incoming mails were placed on pending status due to the recent upgrade to our database, In order to receive the messages Click here to login and wait for responds from Yahoo. We apologies for any inconvenience and appreciate your understanding. You are required to verify your online banking account to enable you have access and enjoy the new features to our online banking Please note that we shall have no liability if you are unable to use Internet Banking because of the failure of any machine, data processing system or transmission link or anything else beyond our, or our agents reasonable control.

You are required to click on the link below for immediate verification. A case ID "" would be closed within the next 48hours. You are hereby advised to verify your records immediately by clicking on your case ID number below for verification. After filling the update requirements, your account will not be interrupted and will continue as normal. Thanks for your attention to this request. We apologize for any inconvenience.

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The magistrate of the district of Cardiff invites you to be the sole beneficiary of Ms. You are required to respond to this notice with your telephone information. Your immediate response is required. The National Lottery Draw: It is Very Easy and Very Simple: Here's your chance to get paid for shopping and dining out. Your job will be to evaluate and comment on customer service in a wide Variety of shops, Stores, restaurant and services in your area.

Mystery shoppers are needed throughout New Zealand. You'll be paid to shop and dine out-plus, you can also get free meals, free merchandise, free services, free entertainment, free travel and more. If you can shop-you are qualified! Let me explain to you what it entails What is a mystery shopper? A mystery shopper is like being at the mall.

Mystery shoppers must complete their assignments and go un-detected. Mystery Shoppers receive assignments consisting of a variety of business types such as: Businesses benefit from the services of a mystery shopper because they report their unbiased review from a customer's standpoint. This enables the business to identify problems that could result in a unhappy customer and loss of sales.

As you can see, mystery shoppers have a great responsibility and are paid accordingly. As a Mystery Shopper you can: Earn up to New Zealand Dollars per assignment have a flexible schedule and hours pick and choose what assignments you want and bring your kids with you on assignments.

Work part time or full time. Get free merchandise Get paid for dining out Stay at hotels for free Get paid for going to the movies And much more What you need to do is to get back to me with the stated details below: We are looking forward to read back from you.

Please contact oxfaminternationaluk yahoo. Calvary Greetings From Mrs. Lorien Konan Based on your good profile i want to solicit for your asstent in fulfiling my wish, i am Mrs Lorien konan 52yrs old widow from Russia, my husband and i worked with Tullow oil Cote d Ivoire since 20 years now before he died tow years ago, i am writting you this message via a computer lap top on my sick bed at the hospital were i am undergoing medical treatment I have been diagnosed of Endometrial cancer unfortunatelly for me my doctor said i don't have any chance to survive except by a miracle i have spent a lot of money on medical treatment yet no improvement.

Please help me to fulfil this goal before i die and please always remember me in your pray. Please if you are will willing to help me fulfil this gret work of God for charity our god will compensat you, I will like you to contact me today. I expecting to here from you soonest. To Whom It May Concern: Kiwibank - Banking New Zealand. Everyday Banking Message - Kiwibank We've got a great range of accounts and services to meet your everyday banking needs,Bank online and free yourself from transaction fees and secure your internet banking log on details.

Access NOW link below to update: NOW important security feature. All that is required to get the funds transferred out of here is to put your name on the Non-investment account holding the funds.

I will then guide you on how to apply for Closure of the Account and credit transfer of the funds to your designated bank account. If you get back to me with your physical contact address and direct telephone number, we will consummate the funds transfer within one week. I am only to be contacted via my Private email: Hi,i am a single man looking for true love honest and caring woman.

Hello, Please open my attached profile thanks. Please copy and email me through the below email address if I have reach you as I am hopeful. Dear Lucky winner We proclaim the online gaming promo endowment held in United Kingdom on October 27th, Based on random selection execution of the internet websites from millions of e-mail addresses worldwide your e-mail address was select among four 04 other e-mails to receive National Grant Sum of , You are to contact our processing agent by sending your Ref number with mandatory information as follow: Robert Tom Contact Email: Notice Again Good day I am attorney Enrique Zachary, I am contacting you again to confirm if you received my previous email regarding your family member inheritance.

Kindly respond to this email as soon as possible if you wish to proceed with the details. I will be waiting for your positive business idea as soon as you can. With Regards, Emad S. Case Hello, The Better Business Bureau has been filed the above mentioned complaint from one of your customers in respect of their business relations with you.

The details of the consumer's concern are contained in enclosed document. Please give attention to this issue and inform us about your opinion as soon as possible. We are looking forward to your prompt response.

You can unsubscribe Subject: We thought that the sender gave you our contact details and that you would have contacted us by now. We would also let you know that a letter is also attached to your package. However, we cannot quote its content to you via E-mail for privacy reasons. The package is registered with us for mailing by your colleague, and your colleague explained that he is from the United States but he is in Nigeria for a three 3 month Surveying Project for he is working with a consulting firm in Nigeria, West Africa.

We are sending you this E-mail because your package is been registered on a Special Order. What you have to do now, is to contact our Delivery Department for the immediate dispatch of your package to your residential address. Note that as soon as our Delivery Team confirms your information, it will only take us one working day 24 hours for your package to arrive at its designated destination.

This will help you avoid any form of query from the Monetary Authority of your country. So we cannot take the risk to have accepted such payment in case of any possible demurrage. Kindly note that your colleague did not leave us with any further information. We hope that you send your response to us as soon as possible because if you fail to respond until the expiry date of the foremost package, we may refer the package to the British Commission for Welfare as the package those not have a return address.

Kindly contact the delivery department FedEx Delivery Post with the details given below: Eric Johnson Phone Number: This is mandatory to reconfirm your Postal address and telephone numbers.

We personally sealed your Bank Draft and we found your email contact in the attached letter as the recipient of the foremost package. Ensure to contact the delivery department with the email address given above and ensure to fill the above form as well to enable a successful reconfirmation.

Bank of America Alert: Due to this, we have temporarily suspended your account. We need you to update your account information for your online banking to be re-activated please update your billing information today by clicking here After a few clicks, just verify the information you entered is correct. The link in this message will be expire within 24 Hours. Did you get my email? I had a trip to UK yesterday for a brief program, I am presently in Manchester stranded with no phone, neither do I have any money on me.

Please get back to me asap.. Is this for real? I 'm sorry to have come to you in such short notice. Is there any way I could possible get a raise from you financially to get back home?

I have limited access to the Internet and no money to call. I will refund the money back to you as soon as I get back home. I will send you the transfer details in your return mail. I will explain everything when I get back. Please let me know immediately.

No problems, how can I help? I think Western Union will be a better option to transfer money at this point. Here is the transfer details below. John Receiver's Last Name: United Kingdom Thank you once again for your assistance. Please, don't forget to write out the necessary transfer details on the receipt or scan and attach the receipt after you have had the fund wired.

I hope to hear from you soon. Do I need an account number? There is no way i could make use of my bank account , because it have been block , when i file the report with the police , my bank account was block for 14 days , so right now i can get money through western union money transfer only.

First, I must solicit your strictest confidence in this transaction and I pray that my decision to contact you will be given genuine approval considering the facts that we have not known each other before. My name is Miss. Shella Razali Hassan, the daughter of Mr. Razali Bin Hassan of blessed memory from Jakarta Indonesia.

After the death of my father, I decided to move out of Indonesia to Malaysia for assylum. I want to go into arrangement by which I can live in your country and get my money back and you will be rewarded.

I want truth and honest to be our watchword in this Transaction and please treat these transactions with strictly Confidentiality for successful out come of it. All I want you to do is to send me your personal information: Your direct telephone number. Thanks and May GOD blesses you. Please contact me through my private mail box or Tel Number: Can I Trust You.

Compliment, I'm Miss sonia. I will be waiting to hear from you. Reply me with this email address soniagomo gmail. Please note that I forgot my diary in the airport taxi at Republic of Benin as at the time of my departure from West Africa. Sunday, October 21, 4: Doe Dear Doe, I am Mr.

On the 27th of May he was involved in an auto accident and all occupants of the vehicle lost their lives. Since then I have made several inquiries to your embassy to locate any of his extended relatives but to no avail until I found you after reading your profile in the Internet. I seek your consent to present you to the bank as his next of kin.

I will forward the details to you for perusal upon receiving your information as below to help me know you more properly: Finally, we will discuss on the sharing ratio of this fund as soon as I receive your information through my private e-mail address here infojohnsalifoulawoffice yahoo. Sunday, October 21, , 1: I would have thought that if you were sure of us being related you would have hired a lawyer in NZ to come and talk to us?

This appears to be a hoax. Why would you need to know my occupation and position in order to clarify relationship? Regards Jane Doe From: Info john Salifou lawoffice [infojohnsalifoulawoffice yahoo. Wednesday, 24 October 2: Dear Jane, I hereby acknowledge receipt of your mail and I also promise you that this is a very good transaction and I genuinely need your help. Yes it is certain that you are not related to the late depositor but with my colaboration we can perfect the claim in less than two weeks.

The bank will after a stipulated period convert the money and write it off as an unclaimed deposit if nobody comes for claim. Such funds when they end up in the central bank it becomes accesible for the politicians to steal and buy arms and wage war againgst each other but I have very good intentions to build motherless babies homes for the less previledged and old peoples home.

I intend to do good with this money because the late depositor was my client and he was a good man. It is so unfortunate that he never gave us any clue as regards his family because he came here with an American passport and since his demise his properties have been over grown with weeds. I know about the deposited funds and have been monitoring the funds ever since hence my resolve to move it now with someone who shares same surname with my late client. I have the whole information that will help you claim this funds and also I have the secret information to the questions the bank will ask to determine your true identity as the next of kin to the late depositor.

Take note that the full amount will be transferred into your own account not half of it as soon as the official approval is given from the board of directors of the bank.

The advantage we have is that you share the same surname with the late depositor and the bank will be pleased to close the transaction in your favor considering the funds has been in the bank for so many years without claim. I await your urgent response so that I cane give you a sample of the letter of claims you are to forward to the bank and details on how to perfect the claim.

I tried to call in the provided number below but it rang and entered in anwser machin. Call me as soon as you read this mail for further discussion.

Thursday, 25 October 3: Dear Jane Doe, I hereby acknowledge receipt of your mail and I also promise you that this is a very good transaction and I genuinely need your help.

In Search for Foreign Partner! I need your consent to enable me send details. How Is Your Day Hello, My name is Beneystar, I came acrose your profile when i was searching for a life partner I was inspired to send you a massage and ask you for friendship. As you know that having a prophesy of love over somebody there most be odds around the corner, but no matter the odds, love survive all odds. I am a girl who's love story is intresting. I am responsible, romantic and courageous. I belive, with good mind you have to admit my request Please recontact me with my e-mail address so that I can send my picture and tell you more about myself.

Yours In Love Beneystar Subject: From Rita manbram From Rita manbram Hi, I am From Rita manbram my dear how are you hope you are fine and in perfect condition of health I got your profile contact today during my internet private search directory and i read it and took interest in you,please if you don't mind i will like you to write me on this ID ritamanbara yahoo.

Sales, How are you doing today! I'm interested in purchasing some of your products but firstly i want to make an inquiry if you can ship directly to Australia, 1. What type of card do you accept 3.

Linda I can ship to Australia or New Zealand but would have to quote a price to you once i know what you wish to buy , having established it from the UK post office. I have never worked with a shipping agent but am happy to if you wish. However, I cannot take credit card payments - they would have to be via Paypal or via bank transfer. Hi Jane, Thanks so much for the reply and i'm very much glad to read your email, I would like to proceed with my order via email, Below is the items and quantities needed, Do email me with the total cost excluding shipping because i will be having my shipping agent come over to pick the items in your store once they have been fully paid for and ready to be shipped.

I do know they are reliable shipping agent they will take care of that, if not I wouldn't have recommend them for my shipment because they are very reliable and fast. They will take care of everything including Handling, Custom duties, Tax, Insurance etc.

Email me in the format bellow: Thanks again and i will look forward to your email to complete my order. On Wed, Oct 24, at 3: Ah - Linda - I do not have those quantities in stock. I suggest that you buy from XXXX whose email address is XXXX If they are not prepared to sell to you, then I can order them for you but it could take up to three months as it needs to come from America.

Hi Jane, Thanks for the quick update, I will need you to email me back and let me know how many you currently have instock including the total cost. On Wed, Oct 24, at 4: I have only 6 blocks green and frost available, 12 of gold and only 6 stainless steel extruders. Hi Jane, Thanks for the email and i'm very much glad with that, Please email me back with the quote on that and also i will like to confirm also how many quantities you also have on the below items too and email me back with the quote for that also.

Thanks and i will look forward to your email with the quote for the above items selected including the initial items as well.

On Wed, Oct 24, at 6: Tom I have about 35 of the starter kits - which are made by my company. All the other things that you have listed can be bought in for you and delivered within about two weeks. I cannot say how many I have because the amount fluctuates from day to day when I get orders from my customers. The prices of everything are on the shopping cart: Hi Jane, Thanks for the total quote of my order I have calculate those items in units on site. The total cost of my order is quite correct and okay by me and I'm ready to pay the bills.

I shall inform my freight forwarder who will be coming to pick up the order to come immediately you inform me that the items are ready for pick up then i can give you a call on that day to get the items packed for pick up and they will call you on their arrival at your facility address.

Please note that i should have given the shipping agency my credit card for him to deduct the freight charges but he told me that he doesn't have the facilities to charge or debit credit card, so that's why i bring my vote of confidence in you and i want you to assist me in this measure, so i want you to transfer the funds to him after you have make the charges and the money charged from my credit card is in your account,then you can now make the transfer to the agent via western union or money gram.

I would have love to do this my self but there are no money gram here around me because i am out of town to monitor my estate construction at a remote village,So the charges you'll make on my credit card will be: Please do get back to me if you are in the office right now so that i can forward my credit card details to you, then you can charge the payment Linda Kurtz.

You have exceeded your email limit quota of MB. You need to upgrade your email limit quota to 2GB within the next 48 hours. Click Here to upgrade your email account. Thank you for using our email. Dear Clear-Net User Dear Clear-Net User to avoid deactivation of your account, you will have to re-confirm your e-mail address through our database as you clickhere or copy paste to your brawser fill in your correct INFO.

View the pages you are taken to if you click the link. I'm now looking to have some fun and live my life the right way. I'm a commercial real estate investor that requires I travel throughout the US. My hobbies include, boating, traveling, martial arts, cooking and reading, to name a few.

Looking for an attractive, smart and ambitious woman to keep me company and allow me to spend my riches on her. Would be very supportive in contributing towards the achievement of your own goals, whatever they may be. I will treat you with respect and show you a good time no matter where we are or what we do Don't miss out on it before they close it down Subject: Barbara Manenga a dying woman who has decided to donate what I have to charity through any thoughtful and selfless person, I got your information while browsing through the internet, although I am not comfortable using this medium owing to the unsolicited emails everywhere but someone has to be used to save this transaction.

So, I honestly crave your indulgence to digest and do what I have to say, please. I am a woman who was diagnosed for cancer about 2 years ago, after the death of my husband who had left me everything he worked for.

I have decided to donate from what I have inherited from him for charity through you since I cannot do it all by myself considering my condition. I will be going for an operation tomorrow morning and at the moment I cannot take any telephone calls, however, I have adjusted my WILL and my Executor is aware.

Please, you and he should arrange the transfer of the funds from my Bank to your humble self, wherever you are. Please contact him with his private E-mail: I will appreciate your utmost confidentiality in this matter until the task is accomplished as I do not want anything that will jeopardize my last wish.

I will try and be in contact with you at any given opportunity. I wish you all the best and, please use the funds well and always extend the good work to others. Radiology, Diagnostic Clinical Interests: Hope you get this on time? I had a trip to Spain, and am facing some problems here, needing help.

Please let me know if you can help me. I will be waiting for your reply. Sorry Joe, got your email but it had no details. I want you to assist me with a loan of 1, euro to sort-out my hotel bills and to get myself back home. I promise to refund it back to you as soon as I return home immediately. Have been to the the embassy but they are not helping me monetary. Here is my details below to send the money: Hermosilla Local 22 City: Spain After you have send the money, email the western union money transfer control number or you can attach and forward to me the western union money transfer receipt so that i can pick up the money and leave.

Your reply will be greatly appreciated. Best wishes Joe Blogs Subject: Reply if you can and more details will be giving to you. Direct Deposit transaction Herewith we are notifying you, that your latest Direct Deposit transaction Int. The detailed information about this matter is available in the attachment. View attached document using your PDF reader.

Please apply to your financial institution to obtain the necessary updates of the Direct Deposit software. Greetings, We have an investment proposal for you.

This is to inform you that your email address has won the National British lottery which was held on 1st June All winning must be claimed not later than 21 working days from the time of notification. After this date all unclaimed funds will be returned to British Union Treasury as unclaimed Prizes.

Please note, in order to avoid unnecessary delays and complications please remember to quote your reference number in all correspondence. Congratulations from the staff, and thank you for being part of email account users of this program. Please reply if only you are interested. Also include your mobile number when replying. Credit Card Expiration Approaching service intl.

To avoid any interruption to your service, please log in to your PayPal account and go to your Profile to update your credit card expiration date. Protect yourself against fraudulent websites by opening a new web browser e. Please do not reply to this email. This mailbox is not monitored and you will not receive a response. For assistance, log in to your PayPal account and click the Help link in the top right corner of any PayPal page. To receive email notifications in plain text instead of HTML, please update your preferences.

Consumer advisory- PayPal Pte. Users are advised to read the terms and conditions carefully. We have submitted your details to them so that your fund can be transferred to you. Contact the Western Union agent office through the email address below; Contact Person: Nick Tyler Contact Email: We appreciate your business! We are currently experiencing severe technical difficulties with our database and it requires major maintenance, Please do bear with us if you are currently unable to access your account.

Click here to upgrade your halifax account Your Xoom account will be upgraded once updated and you can continue using our service safely and conveniently. We apologize for any inconvenience we might have caused you. Beneficiary Debit Order Notification Dear Customer, A debit order for life insurance from Liberty Life was placed on your account this morning and we have been instructed to deduct R from your account today If you don't want to authorized this debit order, please click here to login.

Regards, Security Department Subject: Hello Dear, Hello I am Mrs. Like I said before, I have only two months to live due to this cancer illness. E-mail us if you will help us God bless you! Re - Urgent Reply to: On behalf of my partners, I seek your assistance to accommodate and invest for us the sum of USD 11 M.

The money in question is sourced to us by a particular head of states as a gesture for appreciation of a good work rendered to their country, but In line with the moral principal of our services, we are not required to accept gift of any kind nor own more than 10, United State Dollars in our respective bank account, hence our plea to be represented by a trust worthy person to accommodate and invest the sum for us.

Please note that this request is not a hoax. We count on your ability to accommodate and invest the funds for us until we are able to process our resignation successfully. If you are interested please provide me with the following in return email: Surplus Greetings, If you have received this email then you are one of the lucky fellows to benefit from us.

On behalf of myself and family, i am happy to inform you that i and my wife Gillian have chosen you to be one of our beneficiaries on our Euro Millions Jackpot win of m One hundred and Forty Eight Million Pounds that held just last August. Based on the win we decided that just 25 people be selected for this benefit, leaving each beneficiary with 1.

This might appear strange but it's a reality, so do get back to us quickly via email at: If you have received this email then you are one of the lucky recipients and all you have to do is get back with us so that we can send your details to the payout bank. My wife and I won a Jackpot in April and have voluntarily decided to donate some part to you as part of our own charity project to improve the lot of ten lucky individuals all over the world.

You can verify this by visiting the web pages below. Scam, I will make sure you start getting paid. Hi Scam, Listen, here is the truth - you probably didn't even deserve getting this message. Honestly, you barely made the list of contacts. But somehow, with just luck, you made it Give me a minute to tell you how much "luck" has just been sent your way. Have you ever seen an X on a treasure map, Scam? Now, how about this - "You're sitting on it What if I told you you've just stumbled onto a real goldmine beyond anything you could have ever dreamed up I assure you that you have no clue as to the power of what you are about to be offered.

And here is what it means for you: By "now" I mean about 3 minutes from now. It's all right here, Scam, and believe me - time is not your friend right now, because it's running out insanely fast. I was contacted by this scammer.

He claims to want to use a U. Saturday, October 13, Thu, 18 Oct Inquiry Ship to Poland? I'm sure we can, but the shipping would be a fortune! Do you have a shipper in mind? Friday, October 19, 9: Charges like handling,customs and duties etc. We have experienced such situation before and i don't want to experience such thing again,you do not need to worry about the stress involve and all documentations because i have a shipping company that have delivered to me in the past,i really like their services so i will like you to contact them about the shipping.

Here is there email address timelessfreight yahoo. Always send me the copy of email you send to them ,pls email them with pick up address,shipping address and the weight of the order. Pls get back to me with the following once you hear back from them.. Total Cost Of Items I will be looking forward to hear back from so that i can e-mail you my credit card details for you to charge the total cost from and get the shipping fees settled,then my order can be picked up asap.

Warmest Regards Albert Subject: Secret pin code Number BMW: The selection process was carried out through random selection in our computerized email selection system ESS from a database of over , email addresses drawn from all the continents of the world which you were selected.

To begin the processing of your prize you are to contact our fiduciary claims department for more information as regards procedures to claim your prize. You are also advised to provide him with the under listed information as soon as possible: Keep the muffins, lose the muffin-top Check out what I'm talking about here: I thought you'd like to know so I'm gonna share this news: I finally got skinny again without dieting and went down pounds!!!

It was so easy and I couldn't be happier! I know you felt so uncomfortable at the pool this summer so I want to share the wealth with you! Take a peek, give it a go, and let me know when you want to go bikini shopping, haha! Gotta go, see you soon! In a case were you think you are not familiar with the bellow banking information as presented by your legal representative and agent, we advice you send to us now without any delay your detail in full containing your Banking information and other personal information so we dont transfer to wrong account.

Therefore, I am personally contacting you directly in order to seek your approval to remit into the above account. In the meantime, the process of programming and registering of your transfer payment status code that will enable a hitch free wire transferring of your fund into your account within 72hours is in progress and I will be willing to assist you believing that you will in turn show some appreciation to me. Get back to me quickly. Notice From Our TelstraClear. Please reply with your full details.

Hello Dear Hello Dear My name is salomey I saw your profile today and became interested in you, I would also like to know you more, and I want you to send an email to my email address so I can give you my picture for you know who I am. Here is my email address salomeyeric yahoo. Remember the distance or color does not matter the age, but love matters alot in life I'll be glad to see a good response from you Thanks and remain blessed.

Your in love salomey salomeyeric yahoo. I have a business proposition for you. Please use the email address below to write me for additional detail.

In my concerted efforts to actualize your fund payment with the convenient time schedule I have concluded delivery arrangement with DHL to oversee the delivery of the ATM card to your doorstep within 48hrs. Be informed that delivery charges of your ATM card will be deducted from our account with DHL, so you do not need to pay for delivery charges.

In order to help us serve you better and expeditiously, you are requested to send the activation fee through Western Union to the below information: We're working harder than ever to help people move money quickly, reliably and more efficiently across borders and around the globe. I look forward to the pleasure of your kind favorable response fairly soon, in the meantime with kindest regards and best wishes. To view this updates, or make additional changes, Login to your Kiwi Internet Banking It may take a few moments for this update to reflect on your Kiwi Internet Banking account.

Issues with this Update? Hamilton St Hillsboro, IL Carp Mini Mart Inc 97 S. Kennedy Dr Carpentersville, IL The Kroger Co J E. Oakland Ave Bloomington, IL Ardmore Station Liquors S.

Shaddy's Convenient Mart Inc. Convent Bourbonnais, IL Lake St Addison, IL Milwaukee Chicago, IL Arlington Heights Mobil S. La Grange Citgo N. Taylorville Rd Decatur, IL Oh what olefactory delights!

I get that this is a financial blog, and so we see the word here through glasses of a particular tint, but whatever happened to healthy young-adult goals like getting into the bondage scene in Berlin, joining a cult, saving the world or plotting the overthrow of whatever was in need of overthrowing. Bayou, you just described classic bubble behaviour. Leveraging real estate gains into more real estate. Minsky called that ponzi borrowing.

You are now way over exposed to a single asset class. Best cross your fingers and hope there is no crash. That drummer is a German girl named Sina. She has long career ahead. I played drums for 53 years, a few of those years professionally. Scarborough ate my heart! Kelowna took my sister! Quebec City destroyed my marriage!

I am laughing hard at your post. Number 9 and 10 are the best of all…: My wife is from Saskatoon. We met in TO but moved to SK after our first child was born. We stayed for a total of 8 months, after which I convinced her that we should moved to Brisbane Australia: I feel your pain: The sllence extends to Internet commenting. So what does curry spices have to do with your story? Are the immigrants in Mississauga bothering you?

What is your point? They are literally too stupid and too lazy and want fast and easy money. That and some more photos of grown men wearing socks with ducks on them. Congratulations on being semi retired. I honestly and sincerely congratulate you on your ability to develop a plan and stick to it. However, you do not need to be so smug about your situation.

The goal of life should be to maximize options and freedom. Frankly, your life seems a little dull to me. I live in a considerably more expensive jurisdiction Manhattan and have managed to avoid debt an save an F-load of money. You can borrow money to invest. Like a lot of it. At least borrowing to invest allows you to spread it around and reduce some of that risk.

Would you borrow 1m to buy 1 stock? How is that different from a home? The rulers and controllers want the disenfranchised masses to paint signs and march around in circles: Concerning the Sherman murders in TO, This info was given by someone who is in a position to know. I know no more than what I revealed.

During the Haiti earthquake disaster a few years ago his pharmaceutical firms gave millions of dollars in badly needed drugs and large amounts of cash through the Clinton Foundation.

The money and drugs never reached Haiti. You know where this is going. There are also a couple of other murders that are associated with this situation. The Inspector General will be releasing a report next month that is going to shake US politics and the Clintons.

Of course the corporate media and the CBC and their ilk will be vewy vewy quite on this. We love our home. Could retire tomorrow if I wanted to. I like my job. Just thought it was kind of neat walking along and every second house the smell that emanated changed from turkey to curry. Make my own coffee Have friends over for drinks instead of out for drinks.

Wait for a sale on vacations etc. I have a business partner, who I know for a fact has made exactly the same income I have for the last 8 years. Sounds crazy to me, but after a bitter few days here on the west coast, close to 10 cm of snow last night, and now the current temperature has dropped to I sometimes wonder just how bad could living in somewhere like Saskatoon be? Of course we got lucky. I stated such in the original entry -missed that? Talking out Of your ass?

But I am biased. I honestly thought there was some giant blue jean skirt sale when I first moved here until someone tuned me into the fanaticism of the church folk here….. Watched the video and then watched about two hours of Sina playing the drums. Holy crow can that young lady play drums! I will be dragging out my snare drum and hi-hat from the garden shed into the kitchen and terrorizing the cats.

I hope they like long drum solos. Almost 2 months into B20 and Victoria, its surrounding communities, are not seeing any impact. Inventory is so low that houses languishing since the summer are still selling at ridiculous prices. There is no deluge of inventory; or price drops; and stuff no one wanted is selling for full price. And while some say that you have to wait six months, if the pre-approvals supposedly dried up on January 1st, then the impact should be seen within a few months.

People think that the Feb 20th provincial budget will somehow be a game changer and depress the market — it is not going to happen.

For those waiting, this site already jinxed it as any proclamations here turn out to be the opposite. Scott sounds like he has lived a boring AF pennie counting life. Live a little Scott, enjoy yourself. The point of not wasting money on frivolous expenses was clearly lost on you, but very telling at the same time.

Wealthy people who stay wealthy as in real liquid wealth and not home equity appreciate the value of money and are not prone to mindless consumption. Finance Minister Bill Morneau has little room for new budget spending http: But going backwards buying was the smarter way as the increase in value far outweighed the costs for most.

Perhaps that was a once in a lifetime opportunity. Anyway, I think this guy took the long route to the financial freedom given the circumstances of those times. Smart money leaving before we go from socialism to communism. An assured success will be followed by a crushing of the American Capitalists on Wed. Apparently, the previous triumph over tyranny was controversial because the Americans fired more shots.

Cold in the winter, oh yeah. But blue skies most of the time, not depressing like the soggy west coast. Friendly people…and the girls…ahhh, the girls…short summer, and man they would make the most of it. Temperatures come up, and suddenly everyone is basking in skimpy outfits out on the patios.

Must suck to be miserable like that wherever you go. The oil sector must be wishing rates were higher so their debt servicing could let them gracefully mothball their stalled projects. Our miners also love high rates and low commodity prices. Wood eye invest in lumber when all we can export tariff -free to the US is hockey sticks and Victory?

The total loss is 1. They go up because of high demand and a great economy in Vancouver. If the economy turns south in Vancouver then we may even see a small decline in prices. Proper adjective use is in decline everywhere. Surely the government of China is turning a blind eye to this. Still a sore point in China. The property bubble has also caused the non birth of hundreds of thousands of babies due to high living costs. Ten years ago I would have laughed at you if you told me I would ever vote for the NDP, but so far it seems they are the only party trying to get to the truth.

If David Eby gets down to real business and if the party can deflate the housing bubble I will be a real supporter of NDP policy at least until they become corrupt like the Liberals. Welcome to west coast Garth where we actually go online to brag about having 1. Oh, by the way, this is a real example of Vancouver speculators moreso than the "chinese" investor.

Mind you the media and the real estate boards have done such a good job of "foreign buyer" hype that Horgan will be "crashing" this party. Scott and his wife have minds of their own. Without that trait, it is nearly impossible to become rich, as you are simply a lemming — putty in the hands of the marketing machine.

Buy this today, replace that now. I totally understand where this brilliant example of smart money management is coming from. You get to park so many nice vehicles. Last night a Mercedes was the highlight. Tonight will be something else. Still go back to Toba times per year to visit family.

Manitoba is Siberia with transfer payments. None of them is an exaggeration. Glad your experience was better. Same goes for my home of 38 years that cost a years income back then plus 6 months of my time to build , except the numbers and occupation.

Love to get down to 0 cars, but for now have 1 for the family. IMHO only Losers spend their day stuck in traffic. Finance Minister Bill Morneau is being told there is little additional fiscal space for new measures as he meets private-sector economists Friday to discuss the state of the Canadian economy ahead of the Feb.

The honorable finance minister was told there is no money in the budget? And he measures only federal debt. How about total debt? Ongoing inflationary depression for 10 years. Which private sector economists is Mr Tax consulting and why am I not invited? I have much better companies in my resume than Morneau Sheppel or even top Canadian banks. So invest wisely, diversify and mind the registered plans, you might be growing nesting eggs for somebody else to spend.

Interesting how many identify with Scott. Of course assets are function of cost of money and the whole thing is a house of cards with the loonie most likely giving up first as there is no way rates are going higher. This is a cold world where you get everything you eat from the store. Or the closest garbage bin. Public sector unions — of course.

Banks and Insurance companies. US owned retail stores…like Tim Hortons. The Kanadian price gouging Duopolists and billionaire families we know and love. You have freedom of choice…pick any one:. Everybody out, papers pleeze. Do not let emotions into the decision making room. If their values regarding money do not align with yours, do not marry them.

Everything flows from money. Just keep your mouth shut after a first offer…the seller of almost anything will come back with a sharper pencil if you simply go silent. Worked today on a roof quote. Certainly helps that the subtrades market has gone totally dry right now too. Americans are back to purchasing large SUVs and trucks instead of passenger cars, fueled in large part by confidence in the U.

We gathered the data from a couple different places—we found average gas prices from AAA. We combined both datasets to color-code each circle on the map, representing how expensive a gallon of gas costs on average in each state. Then, we added a second circle to represent both the state and federal taxes levied on gas.

This approach transforms the complicated reality of energy taxes into an easily understandable map. Several interesting trends are readily apparent. First off, the federal gas tax comes out to This situation might change as Congress and President Trump negotiate an infrastructure spending deal, but who knows?

There are two clear regions with high gasoline prices in the Northeast and across the Midwest. All of this indicates how state and federal gas taxes are the primary reason why it costs more at the pump in some places than others. Take California for example. The state is obviously in a league of its own regarding taxation.

If President Trump proposes an increase in the federal gas tax, people living in these states are likely to feel it the most. They are already paying more than anyone else to fill up, and an increase in the federal tax will only make the situation worse. A better solution might be to peg the federal gas tax to inflation so that it rises and falls in tandem with the broader economy.

This option would remove the issue as a hot-button political debate and ease the pain people feel when they hit the road. You try to spit and there is none. No more smoking man. You try and book yourself into the Stillwater treatment centre in Welland and discover no vacancy till June.

There is no doubt, the elite in this place will reap what they saw. And it will not be pretty. It might cheer you up! Hey Stan Brooks this one is for you. My dog is reading a book on FBI profilers so I thought I would ask him to read through a few of your comments and this is what he came up with on you. What did competition bureau say? In kanadah monopolies are fine. I agree adjectives should be used properly, but more importantly, their use should be minimized.

Peppering prose with too many adjectives is the hallmark of weak writing. Better to face the animal with a smoke dangling from your mouth and an empty micky of JD in your back pocket.

I think there is such a fine line between living a frugal life, and letting frugality run your life. I think you can live within your means, but still enjoy life. If you enjoy travelling, then maybe rent and travel. And people feel that they need to impose their ideas on everyone else.

Do whatever you want. The key is to figure out what that is. Instead of listening to friends, family, the media, etc, really sit down and figure out how to make your best life. THEN, live within your means to achieve it. The mistake a lot of people make is taking the path of everyone around them. Make your own path. Live your life now and everyday, within your means, but in a way that makes you truly happy.

However, what people never talk about is the money they spend on lottery tickets! It seems for most people that is their retirement account. How many times have we been in line at the check out counter behind someone checking their 50 lottery tickets?!!!

How much did they spend? You have a better chance of getting hit by lighting. If only they took that money and started investing.

At least you give yourself better odds at having money for retirement. Scott has it figured out. Youth is for working, making plans, and executing. I like working on my house, building decks, renovating etc… I like working on old heavy equipment, and that stuff actually sells for big bucks if everything works and is in good shape. I can drive for near free thanks to being a car enthusiast my entire adult life. Having a pile of money saved up drastically ups your quality of life.

No fear about job loss, no stress over debts, or expenses which you kept low. No anxiety over what happens at retirement. Dollars also equal extended independence when you are elderly, and no stress for being a burden on others. Having no fear allows you to concentrate on the good things in life — which are mostly free.

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