I accept mail about corrections and advertising only.
I'm sorry, I have, literally, over 10,000
messages in my In Box, and it's impossible (not
inconvenient, but impossible) for me to deal with any
mail other than corrections. The only options that will
work in the menu below are for Corrections and Advertising.
Thank you for reading and understanding.
Sorry, no questions
accepted
Please realize that this website is
my gift to you.
Private consultation is
not. With the volume of email I receive
it's just not possible for me to function as a
help line. When I have tried to refer readers to
their lender or their realtor to have their
questions answered they've often responded with
something like, "Some help you are!" Why
people think I exist to serve them is beyond me,
but it's also hurtful, after I spent many, many
hours putting this site together to share my
knowledge for free.
Please realize that in most
cases your lender or your realtor will really be
better sources of information than I will.
Unlike me, they work with real estate issues day
in and day out, and more importantly, they're
more familiar with you and your specific
situation. (i.e, Put your questions to them, not
to me.)
I used to offer help in exchange for being
paid for a modest fee of $40, but that just
resulted in readers writing in to angrily accuse
me of making the website and having the No
Questions policy simply as a front to sell my
consulting services. That was definitely not the
case. If it were, I would have advertised that
service all over the site rather than
just on the "Don't email me" page. (Also, no one
ever took advantage of it -- people apparently
want my help only if it's free.) Anyway, since
so many readers questioned my motives for
offering paid assistance, I no longer do so. I'm
not available for help now, even if you pay
me.
Amazingly, despite the huge
disclaimer above some people send their
questions anyway. I guess some people are
just eager to prove how stupid they are. I'm
sorry about the strong wording but without it I
get even more questions.
And I can't tell you how many times I've
gotten a message like this one I just received,
which I excerpt verbatim:
"TAKE DOWN YOUR FUCKIN
SITE IF YOU DON'T WANT TO ANSWER
QUESTIONS!" So I'm not allowed to share
information via a website unless I also agree to
function as a free helpdesk? Wow.
I don't trade links,
period.
My site already ranks well, you have
nothing to offer me. And it ranks well because I
made a useful site, not because I spent my time
begging links from other webmasters. Make a
useful website and yours will rank well too.
Here's more on why
your link exchange request failed.
If you insist on writing me about link
exchanges anyway (as so many clueless
link-exchangers do), then congratulations, I'll
simply just trash your email as soon as I see
it.
Fan mail
I'm glad you liked the site so much
you want to thank my personally. But it's
really not necessary. I know people like the
site because I've received countless messages
from readers, and thousands of people bookmark
it, link to it, and share it with their friends.
In fact, my sites get well over two
million visitors a year. If only a
fraction of that two million writes in, that's a
lot of extra mail for me. As it stands, I
currently have over 10,000 messages in my In
Box. So please be assured that I've received
more than enough thanks from my readers over the
years. Thanks for understanding!
No affiliate
programs
I'm not joining any new affiliate
programs, sorry. Please don't write about
your affiliate program. Yes, I do currently have
a few affiliate links on the site, but those are
the last ones I accepted, years ago. I'm not
accepting any more. Please don't write about
affiliate programs.
Advertising -- please
read carefully!
NO AFFILIATE
PROGRAMS.Please don't write
about affiliate programs, period.
NO TEXT
LINKS.I won't link words from
my editorial to an advertiser's site so they can
try to increase their search engine rankings. I
accept traditional banners and pagraph-style
text ads only.
NO LINK
EXCHANGES. My site already ranks
well, you have nothing to offer me. And it ranks
well because I made a useful site, not because I
spent my time begging links from other
webmasters. Go back and make a useful website
and yours will rank well too. Here's more on
why
your link exchange request failed.
BANNER
ADS.I accepted only
static (non-animated) banners. I accept
all standard formats (160x600, 120x600, 468x60,
300x250, etc.). I'll also accept a 728x90 but
the only place that one will fit is at the very
bottom of the page.
TEXT / HTML
ADS.I will run text / html
ads, as long as the headline + copy is at least
190 words (double what Google Adwords allows).
HTML size can be any standard banner size.
TRAFFIC.I serve 127,000 pageviews a month from my
homebuying guide.
TERMS.One month minimum, renews automatically
every month, cancel any time. You can pay by
PayPal once I approve and install your
ad(s).
SPOTS
AVAILABLE. This is exactly what is
available. Nothing else is available, no other
prices are available, please don't
ask.
$100/mo., Three pages. You can buy
a spot on any three pages for $100/mo. total.
This is the only non-site-wide offering; all
the ads listed below are for site-wide ads.
("Site-wide" is for the "How to Buy a House"
site, not whole the michaelbluejay.com
domain.) The most popular pages are the home
page, "How much home can I afford?", and the
down payment page.
$300/mo., Adlinks spot. I'll
replace the Google Adlinks in the left-hand
sidebar (under the menu) on each page with
your ad.
$450/mo., Bottom spot. I'll
replace the 468x60 Google Adsense on the
bottom of each page with your ad.
$1300/mo., Right spot. I'll
replace the 160x600 Google Adsense in the
right-hand sidebar of each page with your
ad.
If you have actually read
everything above, then you can contact
me
here.
Corrections.
Thanks for helping me try to improve
the site! Readers have discovered many
glitches in the site over the years, which has
enabled me to make the site better for everyone.
But a large number of the "corrections" I
receive aren't really corrections at all, so
don't be offended if I don't "correct" what
isn't really broken. Here's an example:
Jennifer
Ushka wrote to say that my advice
about paying off a 30-year loan in 15 years
won't actually save any interest, because the
mortgage interest is "front loaded". I explained
that, no, you can indeed save interest by
prepaying your loan, and referred her to my page
which explains how the interest is
calculated.
She wrote back to insist that I'm wrong. She
referred me to some uninformed post on a
message board which she thought backed up
her position. So I explained that the idea that
you can save interest by prepaying is
universally accepted as fact, there is zero
question about it, every finance textbook says
the same thing, I've done it myself on several
loans, etc. Here was her response:
The mere fact
that you don't acknowledge that the
interest rate is lower on a 15-year loan
vs a 30-year loan tells me you're an
idiot. Forums are a great
source to learn what other
intelligent people have to say
regarding your misconceptions.
You have nothing to offer as proof of
any of your statements other than "I've done
it myself" and references to your own
information? Ridiculous.
So if you promise not to insult and argue
with me if I tell you that your correction is
not really a correction, then please contact
me here.
If you liked this site then you might like some of my other sites:
