Often I see her just watching TV or staring at the wall or something and wonder, “what could she possibly be thinking?” just asking myself that makes me laugh. I don’t know if she is thinking in English even.

I walk in the room to see what she is watching and she said “my favorite.” By favorite she meant Steven Sigal’s Into the sun. Perfect!

Today, I am going to create a twitter background to help get tweople interested in following me. I am sick of the default designated “cool guy” twitter theme. It seems as though every guy I know rocks the same BG because its by far the coolest one. Now its time to branch out and create my own that shows I have several domains and identities on the internet other than twitter.

I am also going to look into new wordpress themes. I’ve been rocking the same one made by Chris Harrison for a while now. It’s done very well and it was really nice to work with, but I think I need a more 2009 wordpress theme. My buddy Adam Elliot Fields, just purchased two domains which I will be hosting, so be sure to check him out at adamelliotfields.com and iwanttobeformal.com. You should also follow him on twitter @fieldsy4life. He is an online personality that’s for sure, and you will be fully entertained following him around to whatever he does.

I’ve made some headway on my iPhone app today. Yay! I’ve been creating a simple move stuff around and drop stuff app for a demo for my company, but its turned into a passion project for me now. It started off simple, but then I turned it into a cool game that I hope is addicting! The bare bones version will be finished This Friday, but I hope to work on it more and make it my first iphone game to put on the app store. Shout out to @dr1337 for the instant help when I’m stuck with syntax. Thanks!

So I’ve decided to start posting the dumb(funny) things that Brenda, my mother in case you don’t know me personally, does on a daily basis. She is the BEST. Literally no other mom can top her, ask all my friends. She is hilarious and she doesn’t even know why. For a little background, she was born in the Philippines and moved to the states when she was 23 years old. She still has whicked(Im from Boston) broken English and she speaks entirely in her own made up catch phrases. I could go months talking to her just in her own catch phrases and she wouldn’t even know I was doing anything different. So in the near future be sure to check back on the funny things she says and the funny things she does. I’ll start to name my posts in her catch phrases even though they are NOT SEO’d. I don’t care about SEO anymore it’s over hyped. I care more about MBO, micro blogging optimization.

via MoneyAnswerTree.com
Over the past 6th months I’ve seen my credit card interest rates drop to as low as 9.24%, just to be raised again in anticipation of the new credit card bill passed by President Obama, the “Credit Card Accountability, Responsibility and Disclosure Act.” The bill is intended to help consumers against credit card interest rate hikes by the banks. If this bill is supposed to help consumers against interest rate hikes why did mine just go up?

What does this mean for current card holders?
In the next several months you should be getting letters in the mail from your credit card companies explaining new changes to your terms & conditions. You will see higher interest rates and fees because they will no longer be able to change the APR’s on existing balances under the new bill.

What does this mean for new credit card offers?
It will be much harder to get approved for a credit card. They are tightening up who they allow credit. If you do get accepted, you will see a lower credit limit than what you would expect. For those who are 21 years and under will need to show they have an independent source of income or will need a cosigner. This is particularly good because credit card companies would prey on college students often getting them into debt before they graduate. Under this new bill it also helps protect young people from being irresponsible.

How does this effect the communication between the consumer and the credit card company?
Credit issuers will no longer be able to raise interest rates on existing balances. In a case when a payment is 60 days late they are allowed to raise the rates as high as they want. Not much has changed here right? The only difference is they are required to inform you 45 days in advance and explain the reason for the increase. In addition, your statements will be sent at least 21 days before your payment is due.

To help card holders stay away from debt, statements will clearly show how much it’s costing you to borrow and how long it will take to pay off a balance if you are making the minimum payments. If you can avoid it, never pay the minimum, always pay more. If you are paying the minimum payments now, you will see when these updated statements come, that by paying only the minimum payments, you are often further in debt the next bill cycle.

Photo: AP

Im starting now. Planning for retirement. I think it would be a sick goal to retire at age 32 to have a long time to do cool things before I eventually get bored and probably start working again at age 35. So maybe it will be more like an extended vacation. Either way I plan to live it up.

How will I do this?
It’s simple, I need to invent something cool, start a movement and make money off it, or somehow plant a money tree in my back yard. I am leaning towards inventing something cool. I have some smart friends and I am very confident that we can come up with something. No way am I going to work 9-5 for the rest of my life. It’s not my style and its not what my generation will do. I want to be money rich and time rich. So far I am on my way

Who’s with me?