Friday, July 25, 2008

i-love my i-phone

"I heard you on the wireless back in Fifty Two
Lying awake intent at tuning in on you.
If I was young it didn't stop you coming through.
Oh-a oh
They took the credit for your second symphony.
Rewritten by machine and new technology,
and now I understand the problems you can see.
Oh-a oh
I met your children
Oh-a oh
What did you tell them?
Video killed the radio star" - The Buggles

For a while I have been thinking about getting a wireless card for my laptop computer so that I can access the Internet while on the road. Specifically, I wanted to be able to log in to my database for work, pull up contact information, and be able to respond to emails. In having my own business, I need to make sure that I stay in touch with people and be prompt in replying to requests, etc. With wireless cards running $55 per month though, I held back. I then considered getting a balckberry or something similar. This would allow me to check and reply to email but would not grant me access to my database. Then I heard about the new iphone. I went to the AT&T store to check it out and low and behold I was able to access my database from the iphone. With service at $35 per month, I was sold.

I ordered a 16GB white iphone last Friday. I was told it would take 10-21 days to come in. I was shocked when they called me on Tuesday to come and pick it up. It took only 2 business days to get the iphone! As I have started to use the iphone this week, I have been nothing less than amazed by all it can do. Besides the applications the iphone comes with, there are hundreds of others you can download - many of which are free!

I have been able to use my iphone this week to log into my database, check and reply to email, purchase and play itunes, browse the Internet, schedule appointments on the calendar, use the built in GPS with a built in map and directions to find my way to my new accountant's office, as a camera to take and store pictures, check activity in our stocks, check the weather forecast, log in to facebook, identify music being played through the "shazam" application, play games, text, and oh yeah - to make phone calls.

On average you might spend $200 on a nice phone, $300 on a nice GPS system, $200 on a decent digital camera, $100 on a wireless card, etc. I am very pleased with my purchase. I think it was well worth the money based on the things I have already been able to do with my iphone. And I know there are hundreds of other things I just need to learn to do that will make it that much better. The iphone is the next best thing to having a fully functional PC in front of you. There are even things the iphone can do that most PC's don't do. Just thinking about how much more awesome my iphone is than my old cell phone made me think of "video killed the radio star" - more like "apple iphone killed the motorola razor star." haha - I know I am a nerd.

If you have AT&T service and you are up for an upgrade, I would highly recommend getting an iphone. My husband is totally jealous. :)

Small Town Sensation

"Well I was born in a small town
And I live in a small town
Probly die in a small town
Oh, those small communities
All my friends are so small town
My parents live in the same small town
My job is so small town
Provides little opportunity" - John Cougar Mellencamp

Don't get me wrong - I love the excitement of going into the city, trying new restaurants, going to baseball games, musicals, concerts, museums and shopping. I even love going on vacations - exploring places I have never been before, snorkeling, galavanting around beaches, parasailing, and hiking. All around I feel I am a pretty adventurous person. If there is an adventure to be had and I can afford it, I'm game.

This morning though I succumbed to a small-town excitement. On Monday, our little town grocery store (Knuth's) closed up shop after 90 years. It was purchased by (Walt's) a larger chain grocery store. This morning was the grand opening at Walt's. Since I had to run to the post office early this morning anyway, I thought I would run into the "new" grocery store - take a look around and pick up some milk and contact solution.

The place was absolute madness. Do this many people usually shop at 8am on a Friday morning? I doubt it. Everyone in town was checking it out. There were a lot of great sales and in the excitement of it all, I decided to stock up. $140 later I am checking out at the register wondering what happened to me. As I loaded the 10 bags of groceries into the car I remember that I had just come in for milk and contact solution - realizing that I didn't buy either.

Living in a small town of 4,111 people surrounded by corn and soy beans for the past two years must be taking it's toll on me. A few years ago, I would never had experienced this much excitement over a new grocery store taking over an old one. I must be becoming a "small-town-girl." Is that a bad thing? I hope not - I kind of like it here....

Wednesday, July 23, 2008

Somewhere there is a fat lady singing

They say it isn't over until the fat lady sings....well I hope that somewhere out there, there is a fat lady singing in the celebration of the completion of our refinance.

When we bought our house a couple of years ago, we opted for a 30 year fixed loan. Unfortunately the rates weren't so hot when we closed on the house and we were above 7%. We planned to wait at least a year, reasses things, and then consider refinancing at a better rate. This past April we got our tax bill and realized that it had more than doubled. Not only would there not be enough money in escrow to pay these taxes but our payment was going to take a major hike north. After meeting with our financial advisor we learned that rates were lower and that by refinancing we could keep our payment about the same but allow for more money to go into escrow to pay taxes.

We met with the loan officer that our financial advisor recommended and we were told that this would be a quick and easy refinance. The only obstacle would be in getting our house to appraise high enough since the market had pretty much taken a dump. We had an appraiser over and to our surprise the house appraised for more than we had hoped. It seemed that all systems were a go and we would be done with the refinance before mid-May. We didn't want to pull out any equity or do anything else. All we wanted to do was to get a fixed rate loan at a lower rate. With rates at 6% we were happy to learn that our payment would even drop a little bit while still including the necessary increase in taxes.

We began this process April 24th (3 months ago!) and let's just say that it wasn't all that cut and dry. To begin with, my self-employment became a major issue. Although I am still doing the same thing I have been doing since 2003, I no longer have a guaranteed paycheck. Therefore, the underwriter would not consider my income in determining whether or not we could get the loan. This was unsettling as we were now looking for the same loan on half the income. I can understand not counting the income of a self-employed person in such a bad economy. However, although they were not counting my income for us, they counted my debt against us. Even though they weren't counting my income, I was required to provide my business financial statements and bank account information. To make matters worse, my husband is an hourly paid employee who nearly doubles his regular earnings with overtime and bonuses. Of course the underwriter did not want to count this money as earnings either.

I have to say that if I knew then what I know now, I would have refinanced in December before I quit my job to start my own business - we could have avoided all of this! We went through months of unsettling absurdity. They didn't verify my husband's employment once - no they verified it about 6 or 7 times! He is a union employee who has been with the same company since 1999. Was it really necessary to reverify his employment every week?

Our loan officer told us that if we couldn't get this loan completed that he would be looking for a new job because if we couldn't get financed he doubted anyone could. He guaranteed us the loan would be done before June 1. That didn't happen. He then guaranteed us it would be done before June 15 and then before June 30. None of these things happened. The underwriter was incredibly slow in getting back to us and for nearly 3 weeks straight there was no communication between the underwriter, account executive and loan officer. It was the most ridiculous thing I have ever seen.

We finally went to the closing on July 15th. We thought we were done...isn't that why they call is a "closing"? Well - we were not done. We closed on Tuesday and then on Wednesday found out that the underwriter was demanding that my name be taken off of the deed, title, note, and mortgage since I am self-employed. I was not happy with this, but after 90 days of himming and hawwing around I just agreed to do it to be done with it and planned to do a quit claim to put my name back on later. On Friday, July 19, we met with the loan officer to sign more papers to take my name off of everything. Now we thought we were really done... WRONG AGAIN!

On Monday morning, I received a call from the loan processor. She tells me that the account executive has called to let her know that the underwriter has changed her mind and that now we need to sign even more papers in order to keep my name on everything. While I was pleased with this change, I couldn't believe it was happening so last minute - especially after everyone scrambled to get papers signed on Friday afternoon - all for nothing.

Monday afternoon the title company was to receive a wire in order to pay off our original mortgage. We got another call that they needed to re-verify my husband's employment one last time before they would wire the money! This was done and finally on Tuesday, July 22nd it was a done deal.

This has been the longest most nerve-wracking experience of my life! I have heard from other friends and people in the lending business that it is like this everywhere. Basically it didn't have anything to do with us in particular - that it is more of a problem with the economy. Throughout this process there were lenders that were taken over by the FDIC, others that halted trading, and many that are sinking because they lent money to people who couldn't afford to pay their bills and are now in foreclosure. I was even told by one person that you could miss your mortgage payment for 13 months before they could catch up with you because there are so many people heading into foreclosure right now.

We are thankful and grateful that it is finally over. Having bought other houses in the past, on our own and together, we never expected this process to take so much time. I literally spent at least 20 hours of my own time in scanning, emailing, and faxing documents over to the laon officer, answering questions, filling out forms, getting contact information for them to verify employment, etc.

In the end there were several other small hangups that we were not happy with either. Because so much time went by since we started the process to when we finished, our rate went from 6% to 6.375%, the underwriter also required that we pay off an auto loan at the very last minute.

I have to say that I am relieved to be done with it all. I can't begin to describe the frustration and anger that this process caused. One thing is for sure - we will NOT be moving anytime soon!

Monday, July 21, 2008

BamBam's Surgery

Right now our dog BamBam is in surgery. A couple of weeks ago he had one of his semi-annual check-ups when our vet noticed a very loud heart murmur. An x-ray proved to show an enlarged heart as well. While he appeared to be OK the diagnosis was not good. A few more months of these heart problems and he would likely go into congestive heart failure. We had noticed a few warning signs - coughing a lot, drinking a lot, etc. Many times these heart problems are caused by dental problems (gum disease, etc.) just like in humans.

The vet has never actually seen BamBam's teeth because he wears a muzzle whenever he goes in. He is a bit hyper about going to the vet. I have seen his teeth though and have even taken pictures for the vet to see. She suggested that we get the dental work done right away. Since it is risky putting him under anesthesia they are going to remove a couple lipomas on his chest as well while they have him out. When it's all over he should feel better and be much healthier. It should stop the murmur from getting worse and could even slightly reverse some of the effects.

I am glad that they are able to do this, but still I am a little bit nervous about the whole thing. Surgery started at 8:30am today and should be over soon. I am waiting for the phone call now and keeping my fingers crossed.

I know he's "just a dog" to most people, but I love that little guy so much. He brings us a lot of love!

Saturday, July 19, 2008

How to save the airlines

This gave me a chuckle this morning - enjoy!

HOW TO SAVE THE AIRLINES
Dump the male flight attendants. No one wanted them in the firstplace.
Replace all the female flight attendants with good-looking strippers!
What the hell -- They don't even serve food anymore, so what's the loss?
The strippers would at least triple the alcohol sales and get a 'party atmosphere' going in the cabin. And, of course, every businessman in this country would start flying again, hoping to see naked women.
Because of the tips, female flight attendants wouldn't need a salary, thus saving even more money. I suspect tips would be so good that we could charge the women for working the plane and have them kick back 20% ofthe tips, including lap dances and 'special services.'
Muslims would be afraid to get on the planes for fear of seeing naked women. Hijackings would come to a screeching halt, and the airline industry would see record revenues.
This is definitely a win-win situation if we handle it right -- a golden opportunity to turn a liability into an asset.
Why didn't Bush think of this? Why do I still have to do everythingmyself?
Sincerely, Bill Clinton

Wednesday, July 16, 2008

Little Changes = Big Changes

We do not have mail boxes in our subdivision. They claim that not enough people live here yet to justify sending the mailman here to drop off our mail. SO, we have to go to the post office to pick up our mail. While the post office is only a 5 mile round trip it is starting to get annoying after 2 years of going there almost daily.

Yesterday morning I decided to walk to the post office. Not only was it good exercise for me, but I had some time on my hands to think and calculate things. My car gets great gas mileage. Specifically, I am getting 34.21mpg around town with the air conditioning on. (If it weren't for my allergies - I wouldn't have the air conditioning on.) It has been a while since I have calculated the highway mileage, but I plan to do that soon. People are always asking me what kind of mileage I get when they see my little car and I would like to be able to give a correct answer.

At 34.21 miles per gallon, and with gas at $4.20/gallon, it costs me 12.28 cents to drive one mile. (See, I told you I had some time on my hands...) With the post office being a 5 mile trip, it costs me 61.4 cents each time I go to the post office. If I were to get my mail every day (like most of the other people in the US), it would cost me $191.16 each year just to get my mail. (That would be if gas stayed at $4.20/gallon). In order to cut back I can either walk, ride my bike, or get my mail less often. While I did enjoy the walk yesterday morning, I don't exactly have an extra 90 minutes to squeeze into my schedule every day. Typically it takes me about 30 minutes to ride my bike that far, and I don't always have that much extra time either. But, I am going to do what I can. Unfortunately, not everyone is able to walk or ride a bike that far.

They say that it takes everyone to make small changes to make a big change. I got to thinking about our neighborhood. There are about 40 homes here and we all have to get our mail at the post office because again, the town won't justify giving us a mailbox. (I wonder what the $7,000+ in taxes each of us pays is going towards.....?)

Now my car is probably the most efficient of all of the cars in our subdivision, but just assuming everyone had the same fuel economy as me - we would be talking about an extra $7,662.80 being spent on gas annually just to get mail. More imporrantly we are talking about wasting an extra 1,824 gallons of gas - just to get mail. Because everyone else's cars likely have a much lower fuel economy, these numbers are certainly going to be even higher.

Should our town decide to put in mailboxes in our subdivision we would be doing the environment some good by not burning up so much fuel. We could also save a decent amount of money as a community which could be used for something else.

If the town continues to leave us without mailboxes, perhaps they could provide some sort of public shuttle service to and from the post office twice a day? I don't know - I am trying to think outside of the box. My point is that something as simple as getting the mail is having an impact on the environment and in our wallets. This doesn't need to be the case - yet nothing is done about it. If something this simple and small is making an impact, think of the problems that exist in the grand scheme of things.

If our town would make this one small change by putting in mailboxes it coule make a larger positive change in the long run.

As we all hope to live the "American Dream" and raise our families in a clean, healthy and safe environment - I urge everyone to make small changes. Small changes add up. Look at the thousands of dollars O'Hare airport ended up with because of thousands of people leaving a little bit of change behind. The same goes with our actions. You may not think it's a big deal if you make an effort to take a shorter shower, use more efficient light bulbs, recycle household items, or use canvas grocery bags - but if we all make little changes, they will truly add up.

Monday, July 14, 2008

Road Trip

This fall we are fortunate enough to have the opportunity to go to FL for a baptism for our friend's daughter. As we have been planning this little trip, we have gotten a little carried away with the idea of a road trip. Our schedule is still tentative, but we are almost certain we will be going to Atlanta GA, Savannah GA, Jacksonville FL, Pensecola FL, and New Orleans LA. If anyone has any suggestions on things to do in any of those places, please let us know!

Who are you?

"You are defined by your family and the friends that you keep."

This weekend we had a lot of partying going on. On Friday night, we got to hang out with our good friends Donna and Brandon while at a party for our friends Kristin and Brandon who were in town from Savannah. On Saturday night, we went to a party for my Uncle Mike and Aunt Sue who are twins. It was a surprise party celebrating their 50th birthday(s). On Sunday we went to a first birthday party for my cousin's son Jeffrey.

The party on Saturday night was a big surprise for my uncle Mike. Little did he know that his twin sister would be in town to spend the evening with him, and that 50+ other people would be waiting to surprise him when he went into a dinner where he epxected to see just a few other people. It was nice to have everyone together. My cousins gave heartwarming and humurous speeches while talking about their dad and many others shared memories of the twins growing up. At one point my uncle stood up to thank everyone and talk about how grateful he was to have such wonderful family and friends. One of the things he said was this. "I have always said that you are really defined by your family and the friends that you keep."

I got to thinking about that and realized how much it applied to me. I feel so fortunate to have such a great family of people who truly care for and love each other. I am not just close with my parents and sister, but with my aunts, uncles, cousins, and in-laws. Over the years I have met wonderful friends who I have grown extremely close to. In the past several years, my husband and I have learned more about what a true friend is than we had expected to. We are extremely grateful for the people in our lives who we consider to be our friends. And we have finaly come to the realization that we are also grateful that some "so-called-friends" who proved to not really be friends at all - are no longer in our lives. Afterall, if it is your family and friends that you keep that do define you, it is nice to know that the good ones are the ones you continually surround yourself with.

In the past several weeks we have been to many parties, out to dinner with friends, to a baptism, several birthday celebrations, and had a party and a few get-togethers at our own home. In the next several weeks we have other dinners, parties, concerts, and weekends planned with friends and this fall we will see some of our friends in FL for another baptism. We are very grateful for the company we keep in our families and friendships. We have been blessed to have some truly wonderful people in our lives.

No matter who you are, your life will always be enriched when you share a strong bond of true friendship with someone else. How exciting would life really be without friends? So to all of our friends out there who might be reading this, thank you for your friendship. You have helped to make us who we are. And to our families, thank you for the unconditional love, support, and comradery. You guys are awesome!