Showing posts from April, 2012

Student Loan Bill

Congress is getting the idea....maybe. The Wall Street Journal’s article “Trying to Shed Student Debt” inspired this blog.The article states that Senator Dick Durban is proposing a bill that would allow forgiveness of "private" student loans in bankruptcy so that private lenders will become more cautious about making student loans. Federal student loans would not be forgiven. I have two problems with this legislation: 1) it is an uneven playing field. Why should private lenders have different standards than government lenders? 2: this is treating the symptoms, not the cause. The causes, as I see them, are many and complicated but the top three are the high cost of education, lack of financial literacy, and lack of personal responsibility. 1. The high cost of education. Reduced government support and increased college cost, along with a recession has left college more expensive and students with less in savings. We also need to ask if a college education is a benefit only to th…

High Cost of STD (STudent Debt)

Can you believe that both agree!?! Yes, it might be really cold and someplace is freezing over, but President Barack Obama and Mitt Romney both agree that student loan interest rates should not be increased.This would keep current interest rates at 3.4%, not raising them to 6.8% on July 1st.By not increasing the rate on student loan interest rates, the government is stating that it will “cost” $5.9 billion.
Woo, wait just a minute-- did anyone question that figure?Being an old banker, we tried to have a 3%-4% spread on money; the cost of deposits verses the cost of loans to make money.The government can borrow money (cost of deposits) at almost zero percent, yet they are charging 3.4%.Even the ten-year treasury is at 2%. Not a bad positive spread.I also just financed a new car for 60 months at 1.9% at my local credit union.Why is the government charging so much on student loan interest and want to raise it even higher? I know, the “cost” of $5.9 billion is really forgone profit if rates…

Ain't No Bimmer

I always have a <3 for mustangs.
This 2011/12 Ford Boss Mustang is riding on a set of BMW Wheels

Model not included </3

i8 concept with Angel Eyes

Found this on Pinterest. What more can I say? dead seksi <3

Follow me!

Hey everyone, I know some of you look at my site, and I'm really not trying to make you feel bad, but I need to get people to follow my blog for my class project. I really can't fail another class, and I really enjoy the emails I've gotten and friends I've made. So please follow me on my blog, and I promise to do whatever I can to help you out! #followme


Found this Bimmer online: Lowered on a suspension system and sitting on a set of aftermarket bmw rims

really cool dubstep song

Hey so this is one of my favorite dubstep songs that I heard recently thanks to my friends!

Like Pinterest? Check out Pinspire

Hey I posted some pics I liked of BMWs on my Pinspire board. If you use Pinterest, Pinspire is very similar with different features. check out My Pinspire page 


happy humpday! #humpday

Will the real first hologram please stand up

My friends sent me

IRS Blues

Yes, we had two extra days this year before your tax bill was due. Even with two extra days, it is still painful. Make sure it is postmarked by April 17 at midnight. Need a playlist to help numb off the sting? If you are working late on your taxes, here is some music to keep you motivated: -Taxman by the Beatles
-Money by Pink Floyd
-It’s Money that I Love by Randy Newman
-Take the Money and Run by the Steve Miller Band
-Tax Free by Jimi Hendrix
-Who Will Buy My Memories by Willie Nelson
-Taxman, Mr. Thief by Cheap Trick
-I Want to be a Billionaire by the cast of Glee
-Mo Money Mo Problems by the Notorious B.i.G. ft. Mase & Puff Daddy
-Sweetest Girl by Wycliff Jean
-If I had a Million Dollars by Bear Naked Ladies
-Take this Job and Shove It by David Allen Coe

me and Hailey out on a wednesday.

Me and Hailey  me and Hailey out on a wednesday. #Lovingit

How Heavenly

Apparently I'm not the only one with angel eyes out there. :(

#jealous #Angel Eyes #BMW

I can't believe this...

First of all, I'm glad she protected her little sister and her car. People like this in general are a disgrace to the human race. It's sad that some people would go out of their way to destroy someone else's property just because of a Hockey game. How stupid can you be? It's very frustrating, and I'm glad that the girl and her sister did not get hurt, or I'd personally drive to Canada and kick some ass.


He reminds me of my dad! lol

Ain't No Bimmer...

but I <3 the color!
can you guess what kind of car? 



Hi everyone, I'd like to introduce myself and why I created a blog about cars specially for girls. Originally a school project to see if opposite genders(men and women) would be able to enjoy the things the other gender stereo typically do. I chose BMW Cars for Girls as a topic of mine. So yes, in a way, this is a social experiment on the internet, and I'm glad you'll be a part of it(which I hope you do)!

[Note: Not my actual car, but similar]
Anyway, my name is Jenni, and I own a 2008 BMW M3 with cool BMW rims, that's why I decided to choose BMW cars. I'm currently attending a University in Malibu.

Filing Bankruptcy While Averaging $115,881 per Month?

Yes, this is what Warren Sapp, former NFL player and Dancing with the Stars contestant did on March 30, 2012.Mr. Sapp filed for Chapter 7 in South Florida stating that he owes more than $6.7 million to creditors and back-child support and alimony.His reported assets are $6.45 million.What does this mean and how did it happen?
It happens because Mr. Sapp was spending more than he could afford, even more than his income of $115,000 a month.Bankruptcy happened because of poor financial decisions, poor financial planning and thinking of the short-term, immediate gratification--not the long-term gain.It happened because he was living life beyond his means.
Chapter 7 bankruptcy is also known as “straight” bankruptcy or liquidation and allows an individual to keep certain exempt property.Assets are sold by a bankruptcy trustee to repay creditors and many unsecured debts are discharged.Florida does not allow the bankruptcy courts to sell your home because the equity is protected by the Florida …