Thursday, December 25, 2008
Sunday, December 14, 2008
Thursday, December 11, 2008
Buying A House
Everyone thinks Buying A House is the Best Thing Ever. (Yes, capitalization required.) No noisy people upstairs or downstairs! Don't have to pay for laundry! Your own yard!
Yes, all of those things are wonder-wonder-wonderful, however, there are some pitfalls (hmmm… strangely, most are related to… MONEY!) that, had I truly thought about, might have changed my mind to buy a house.
Note: since talking about money and junk is supposedly taboo, and I strictly conform to social norms (ha-ha), I will round up numbers to nice-and-even figures, to keep from being tacky.
Here are some of the LAME aspects of owning a home:
· Not-so-hidden "hidden" fees – I like to think of these as "oh yeah, I knew about that, but I truly didn't get it until I was like "OMG WHERE DID MY MONEY GO?"
o Taxes – ahem. Okay, yeah, I knew I had to pay taxes on my house. I got it. I knew there were charts somewhere with lines and lines of size 6 font showing different percentages and millages (still don't know what that means) and what not. Being an out-of-practice engineer, I shouldn't have been afraid of those charts, but oh, I was.
§ Taxes suck. We pay over 2% of the value of our house in taxes. That sounds so lame and puny, little old 2%, until you multiply that by a couple hundred thousand dollars. That's an extra (rounding!) $5000 a year that we weren't paying last year. Heartburn!
o Insurance. Alright, I understand the need for insurance. I have no problem paying insurance. I love insurance. Insurance loves me. Technically, that's only because I (THANK GOD) haven't had to file a claim yet, only to be denied, but ahh, let's not get ahead of ourselves. But, insurance is another one of those things that, when meeting with a realtor, they never include in their pricing. For instance, you walk into a realtor's office, and say "I want to spend $x a month on a house. Show me houses I can afford." Well, the realtor will show you houses whose house payment will be $x, not including house payment + insurance + taxes. I know those are all different things, but they usually get rolled into the mortgage payment. For instance, on top of my house payment, it's another $1500 a year to insure my house, but this I will gladly pay.
§ PMI taxes – omg this suckkkksssss so much. Basically I pay $1500 a year for my mortgage company to be insured against me, should I decide to stop paying them. SAH-WEET. SIKE! Heartburn.
o Home-Owners Association
§ Some bullshit about "snow removal" and "uniform mailboxes" – whatever! There goes $750 a year I could have spent on a new wardrobe – thanks to you, I'm wearing sweaters from the Old Navy 2003 line (so vogue!) and pants that are, ahem, tight (of the muffin-top variety – there, I said it!)
· Maintenance
o A lawn to mow? No thanks.
o Sprinklers to maintain? Wait, I have to PAY SOMEONE twice a year to "turn them on" and "turn them off"? BULLSCHNITZ.
o That thing I drive up every day – I have to SHOVEL IT when it snows? Gross. Also, rude!
· If it's big, you have to clean it. Dust WILL magically appear on every surface, and yes, you WILL find random weird stains in bathrooms that are never even used. Perhaps it's from the ghosts of past owners, but don't tell Nick that because I have the feeling he's not too keen on having ghosts in our house. I'm kinda okay with it, but I digress.
· If it's small, you might as well live in an apartment.
· Total annual "not-so-hidden" costs: $8750 a year (about 0.35% of my heart just died) – amazing! Amazingly disgusting.
So, in an effort to not have this be 100% negative, I will list a couple of pros for my gentle readers:
· Supposedly you get money back come tax season? I don't know the deets, but, like, someone PLEASE tell me Uncle Sam is going to give me thousands of dollars in February. That would make for an AWESOME Valentine's Day.
· You can decorate however you want. For instance, tacky brass light fixtures? (All throughout my house… shudder.) AWAY WITH THEIR HEADS! Oh wait, that costs MONEY. Anyone have $8750 I can borrow?
· You can do laundry in your skivvies. This is a stretch in terms of a pro. But – since you have laundry in your own home, you can do it (or, do it) without clothes on. Oh wait, this is getting a tad too dirty for my tastes… nevermind.
· You will lose a TON of weight on your new diet consisting of rice, half-off meatballs, and tap-water.
Happy House-Hunting, My Friends!
Wednesday, December 10, 2008
Tuesday, December 9, 2008
It's Not Just Me, Right?
December First
Gah! I’m always late. I wrote this on Dec. 1 but forgot to “publish”. So here it is, a woeful eight days late. Better late than never…
Dec. 1 is a big day for a few reasons:
It’s the day Rosa Parks remained seated in her seat after a day’s work, and got up for no one. Wow. Think about that. While most of us weren’t living at this time, the fact that we lived in a time when Rosa was still alive is even huge. When we learned about her in social studies, she wasn’t like most of the other people we learned about because she was still around. There wasn’t a whole lot of modern day history that I can remember learning about where the subjects were still alive, and even as a school kid I found that to be really interesting.
It’s also World Aids Day. So, here’s something to think about, taken from www.statenews.com on a story about World Aids Day:
According to data from LAAN (Lansing Area AIDS Network), half of new HIV infections happen to people 25 years old or younger. Estimates say there are about 18,000 people in Michigan with HIV or AIDS.
That number is way too high. 50% of infections are happening in my age bracket? I know it shouldn’t be happening in ANY age bracket, but it’s just astounding to me because we’re the generation that grew up learning about HIV/AIDS and how to prevent it. I think kids don’t even consider it, to be honest. My guess is people worry more about pregnancy or other STDs when they are unprotected. The number is just frightening to me, and I really hope it resonates to the people who read it in the State News. It’s just not worth the risk!!!! Yes, four exclamation points!!!!
Monday, December 8, 2008
Thanksgiving Revisited
I've read through all of the nienie dialogues, which are inspiring to say the least. Which has also pointed me to cjane's website, which is equally a treat to read. They've both been added to my daily blog readings, and give good inspiration for making a festive home.
So, for one, I'm thankful for good reads on the internet.
Secondly, going along with the house-wife theme, I'm thankful for my kitchen goodie drawer.
In it contains all that is needed for a weekend (and Monday day-off) of gluttony. I made a lot of recipes from my favorite websites... such as Nie Nie's Whole Wheat Pizza, this awesome salsa from Mighty Girl's suggestion, in addition to The Pioneer Woman's cheese muffins (omg), and (okay, a little embarassed to admit this one) Dottie's baked french toast (she's a Weight Watcher site guru, I wouldn't necessarily call her a blogger... but surfer beware: that site is full of ads and isn't aesthitically pleasing to the eye...)
Anyway, back to the goody drawer. Among my favorites: citrus zester, cheese grater, potato peeler, and my #1Fav: the mojito masher. Ah. Bliss.
I'm also thankful to Mr. Murphy, who has been a complete gentleman on my day off. I had visions of my pup running around ferally, wreaking havoc in the house, humping my leg, and all around annoying me on my day off. I considered taking him to Puppy Day Care, but in the end, Recession Lindsay won and I didn't justify the $25. He's been so mellow today, so I thank him!
Here's a recent picture of our little guy. We bought that little bed for him when he was a wee one, and at the time it was the perfect size for him. He could snuggle up right in it and have room to wiggle. The best part is that he still balls up into position and lays on it... but looks like a fat guy in a little coat. You know what I mean? No offense, little guy, but you're totally reminding me of Farley.
Now I'm going to finish lounging around on my day off... I'm watching wedding shows on the style channel, wishing I could get married again! Ahhh, to dream... (to Nick of course!)
Tuesday, December 2, 2008
LAME!
Why Can't Every Day Be Like Thanksgiving Weekend?
Monday, November 24, 2008
Well look at me now!
Personal Rate of Return from 01/01/2008 to 11/07/2008 is -50.7%
Investing is FUN!!
Saturday, November 22, 2008
Wednesday, November 19, 2008
Wah-Wah Moment # 124, 150, and 151.
Monday, November 10, 2008
Friday, November 7, 2008
Big Mistake
Our Puppy Kindergarten teacher emailed me before the class started to tell us what to bring with us: a hungry puppy, a plethora of small treats to act as the reward for his "lessons", and two overly eager parents. Check, check, and check.
So we arrive with six hot dogs cut up into raisin-sized pieces, a hungry Murphy, and, well, two overly eager parents. Fast forward a day and a half later, and Murphy drops a deuce in our bathroom this morning. First time he's ever done that! We're astonished, and just chalk it up to a fluke.
Fast forward 8 hours, I arrive home after a long day at work, and there's.... evidence.... of another dropped deuce.
Fast forward... twenty minutes... and wow, that dog can clear a room with the smells coming out of his furry booty.
Nick arrives home from work, and gives me the stink eye. "Honey, what have you done??"
"It was him!" I point at the dog, and "It was her!" the dog points back at me. Nick's not sure who to believe, but in the end, Murphy rips one right in front of Nick and I win.
After some careful thought, we realize it must be from the hotdogs. And thus concludes our first Big Mistake as a married couple.
Thursday, November 6, 2008
Indigo
Wednesday, October 22, 2008
I Hope They're Not BANKING On It (aka: Dumb Play On Words)
Funny Story: So I recently got married (see: all posts below) and have gone through the process of legally changing my name. How old-fashioned! With my new drivers license and social security card in hand, I call up my bank to ask them what documents I need to bring in order to change my name with my bank. I’ve made that mistake too many times (wait in line at Secretary of State, only to have the wrong document in hand!) so I want to be prepared this time. I pick up the phone.
“Hi, I’d like to know what documents I need to bring with me to change my name on my bank account?”
“Yes ma’am, not a problem, we can take care of that for you. All you need to do is stop by the branch, bring ID, and your divorce papers.”
OUCH!
Saturday, October 18, 2008
Saturday, October 4, 2008
Saturday, September 13, 2008
Saturday, September 6, 2008
Mmm... Breakfast
So, I was honestly going to take a picture of my delicious breakfast as an homage to my all-time favorite fruit - the red raspberry. As I set the bowl on the counter, what was that in the background... oh yes, a Kitchen Aid! I won't lie... the placement of the bowl was intentional, as I believe I have finally crossed the threshold of a domesticated almost-married adult with the gift of the Kitchen Aid. I also won't lie that I have no idea what to do with this thing. It's not like I'm whipping up cookies everyday, and that's all I really know to do with it.
HELP!
Thursday, August 28, 2008
Fwd: Lad Lit
From: Nick Collins
Date: Thu, Aug 28, 2008 at 10:31 AM
Subject: Lad Lit
To: "Smith, Lindsay"
So I'm buying 4 or 5 new Mike Gayle books on Amazon, and I'm disappointed to see the tag "lad lit" on some of his books.
Friday, August 22, 2008
We met with our classical guitarist last night and picked out the wedding music*. Here is a link to the song that'll be playing when I walk down the aisle... it was breathtaking to hear in person!
http://www.guitarinterludes.com/files/Romanza.mp3
This is one expense that is well worth it, in my opinion. It'll be so classy and elegant to have a live guitarist and I couldn't be happier with the music we chose. It's a Spanish Romantic song, and is so dramatic and passionate and emotional. I'm hoping tears don't ruin my makeup and/or make me do the awkward-cry face while I'm paying a photographer hundreds of dollars per hour to take hundreds of pictures of me!**
* I do realize that most of what I talk about as of late is weddingweddingweddingmarriedomgi'mgettingmarriedweddinghoneymoonwedding. I do realize. But hand-to-my-chest, being engaged is the absolute best time of my life. Sure, there are the low-points {how much to spend? how to deal with different people with different ideas of what to spend, etc. why is it always about money :(?} but everything else is just so great. Even just talking about our wedding day and ceremony and what not brings us closer together I think. Anyway, off of that tangent, seriously, being engaged is the bomb, and while I am starting to get REALLY excited for The Big Day, I'm also a wee bit sad that it'll soon be over. The engaged buzz/glow will be done. But then the real fun begins, right!?
** A word on the crazy prices of wedding photographers!? I saw many many websites full of awesome photography, starting at $4500. STARTING AT?! You've got to be kidding me. I hate to talk money all the time, but we ended up going with one for around $3000 and we got all of the perks we were looking for {CD with all images and photographic rights {their pitch was even "You can print the pictures off at Target if you'd like!" MY KIND OF PEOPLE!} as well as a very nice album, and DVDs created from all of the images, etc.}
*** There was no *** in this post but *** will be a word on the hair appts. Sorry, did not realize this would turn out to be a full-blown wedding post, but DAMN I waited too long to find a salon! Who knew people made hair appointment so far in advance? People have almost laughed at me when I tell them I want appointments 4 weeks from now... it's almost like booking a dentist appointment!
Today couldn't have been a better day for the horrendous construction project outside of my building to cut the lines {I don't know the technical details, people!} to our internet, computer systems, phones, etc. You'd think I would have slipped the construction foreman a $100 to cut the lines! Hehe, whoops, just kidding, ha-ha, nervous laughter!
So when the Boss Man was all "take off today if you have nothing to do" I had my keys out and my purse on my shoulder by the time he was done.
Off to the mall! {Shush, don't tell Nick.} I won't lie... I bought myself diamonds! I mean, I have to brag about it, right? How often does a lady buy diamonds? I think this was the first time ever. What I ended up buying was my wedding band(s... shhhh!). I won't lie... buying diamonds is pretty fun. The best part is, I window-shopped online before-hand, and picked it out before-hand, so I was able to walk in confidently and say "I want this, I saw it online, I know I want it, don't try to sell me anything." Because MAN, I hate sales-people. They suck hardcore!
Now I'm at home, a sweet feeling because it's not even 4:00 yet! The night is young...
Thursday, August 14, 2008
FOOD
Wednesday, August 13, 2008
Radio Head
I have this thing where I listen to the radio on my drive in to work, and as I'm turning my car off, whatever song is playing is the song that I end up humming or singing to myself all day long. This is either an awesome trait or an annoying trait, depending, of course, on the song. This morning it was Rodrigo y Gabrielle with their awesome guitar duo. So this afternoon I'm still plucking along on an imaginary guitar and pounding away on the wood of the acoustic guitar while I issue purchase orders at work.
What's even more uncanny is if I'm listening to a CD. Same thing happens, I hear the last song that was playing when I pull into work, but the funny thing is when I leave work and return to my car, I can almost be singing the exact same line of the song from when my engine shut off nine hours before. My mind just picks up where the song left off, sometimes to the exact lyric.
But on days when it's something like Collective Soul's "The World I Know"? Well then, you better not cross my path because I've been singing this garbage song in my head all day and I'm about to break. True Story.
Monday, August 11, 2008
Invites
Wednesday, August 6, 2008
I'm Still Alive
Who-Hoo!
Monday, August 4, 2008
The nurses and Nick were super nice about it though and didn't make me feel like the freak I was feeling like inside. Honestly, there must be some official name for this "disorder" of being so freakishly afraid of needles/doctors/etc. Oh well, I'm just proud of myself for making it through without fainting. That's always the worst, and you feel like a jackass afterwards, and it's pretty scary because you can hit your head on an array of things on the way down. Last time I fainted it was on the way back from the check-out desk to the waiting chairs, so there was nothing around thankfully, but the doctor offices are so small and cramped and full of counters and sinks and trays of stuff and I'm sure I would have hit something on the way down, so I'm glad I was able to avoid that whole ordeal.
Nick was truly a gentleman and was just there by my side the whole time, putting cool washcloths on my head and neck and talking to me and trying to distract me from my crazy fearful thoughts and my inner fright. I am so damn lucky to have him in my life, I can't even describe it. Now that's out of the way - and I've truly been dreading it for a couple of weeks now - I can focus on other, more important things - such as, oh, I don't know, GETTING MARRIED!
Saturday, August 2, 2008
Wednesday, July 30, 2008
Getting Married Soon! Thus, all of my free time is spent stalking the world wide web for all things wedding. So much good stuff out there, it's hard to keep track of. My "favorites" has grown exponentially... I can see how someone can have a full-time job being a wedding planner. The details! The table cards! The thank you notes! The satin or sateen or silk chair cover sashes! It's all too much... too much fun.
I ordered them from a wedding invitation site online (my mom tried to persuade me to go to a stationary shop but this was less expensive and still great quality) at http://www.weddingpaperdivas.com/. I kind of cringe at the "diva" in their name but they have some nice stuff, if you're in the market for invitations, inner envelopes, response cards, and such. :)
We are having a photo booth at our wedding, too. I first got the idea last summer while perusing some blogs, and stumbled across pictures of someone's wedding who had it at the reception. Now it seems photo booths are a major hit (as seen at parties for BlogHer and the like) and I feel like a copy-cat, even though I've had mine booked for over 8 months. Oh well. Imitation is the most sincere form of flattery, right?
Tuesday, July 1, 2008
Life Lesson # 200
I just drove all the way (a whole 0.5 miles - but! I had to make a left turn out of my place of work! Left turns at noon-time are brutal!) to Wendy's for a scrumptious and healthy salad, got back to my desk, prepared the self for the glorious consumption of said salad, and alas, there's no salad dressing!
Life Lesson # 200 is to always check your Wendy's bag for a complete order before pulling away from the drive-through stop eating fast food.
Love,
Lindsay
Friday, June 27, 2008
Snippets
- This post was sitting in my "draft" box since May 7. So, today, 6/27 is not Freud's birthday, but when I wrote this, it was. Consider yourself informed.
- It's Freud's birthday today... hmm... all of a sudden I'm really craving a hotdog. No, scratch that, a bratwurst. ;)
- I have no problem admitting to everyone that I qualify for the $600 tax refund check thing. Got mine today. It's scary how quickly I can spend $600.
- We were doing some yard work late yesterday afternoon, and then left the house for a couple of hours. When we came back and went into the basement, we realized the slider door had been left open. Our slider doesn't have a screen, so basically there was a wide-open gaping hole to our house for a few hours. When we went to bed, Nick locked the bedroom door "in case there were hobos bumbling around the house." Hehe.
- There's a girl from Dexter who was on America's Next Top Model. She made it to the Top 10 maybe? Top Five? Anyway, her schtick was that she was the manager of a Dairy Queen, and that she just wanted to get out of her small-town Michigan abode, and make it big in the modeling biz. Since moving to Dexter, I have seen her at the Dairy Queen (behind the glass, serving customers) as well as catering a lunch at my work. Yeah, that Tyra Banks show really worked out for ya.
Weekend
Thursday, June 19, 2008
Doesn't Get Old
Thursday, June 12, 2008
M.O.
"She met Barack Obama when they were the only two African Americans at their law firm and she was assigned to mentor him while he was a summer associate."
A.F.
Today is Anne Frank's birthday. Happy Birthday A.F. Now, I don't know this because I'm a pretentious person who knows all of these famous figures lives like the back of my hand, no, I'm just the pretentious person who receives daily email from The Writer's Almanac (haha, because I'm such a writer) and this daily email has tid-bits of trivia at the end of each message.
Anyway, now that that's cleared up.
So, something to mull over – is was this day, on Anne's 13th birthday in 1942, that she received the infamous diary, which she called "Kitty". As you all know, the diary has become a staple in everyone's reading repertoire, but I found it interesting that her diary is the # 2 most selling (ever!) non-fiction book in the history of non-fiction books, behind the Bible. Wow, impressive.
Now, I'm also not this pretentious person who knows quotes off the top of her head – again, this quote came from my daily email, but I liked it so I'm posting it here. Crazy to think it came from a 13 year old, I don't think we give kids enough credit these days. But then again, if you put a 13 year old from 2008 in an attic for two years, she'd complain more about not having internet access so she can facebook her friends, or download new music for her iPod.
Sorry for the tangent, here is the quote: (am I just further propogating the notion that 13 year olds suck these days, by using that stereotype? Eh.)
Anne Frank wrote, "Everyone has inside of him a piece of good news. The good news is that you don't know how great you can be! How much you can love!"
Catch you later.
Tuesday, June 3, 2008
Itchy Eyes
Help!
- Lonestar - Amazing
- Will Smith - Will2K
- Enrique Iglesias - Be With You
- Lit - My Own Worst Enemy (Dirty) [Ed. Note: scandalous! the dirty edition! maybe I wasn't as un-hip in my teenage years...]
- Savage Garden - I Knew I Loved You
- and... last, but not least...
- Creed - My Own Prison (Acoustic)
Monday, May 26, 2008
I'm not taking the whole
Sunday, May 18, 2008
I'm so proud of my
Saturday, May 17, 2008
Its senior prom at our
Tuesday, May 13, 2008
Hats
I'll tell you this, young lovers: Life has a way of taking your most earnest pledges and folding them into funny hats for you to wear.
Thursday, May 1, 2008
A Night and Day of Excess
Wednesday, April 30, 2008
Although I'm starting to get slightly annoyed by how predictable it is...
Opening Scene: Person found dead unexpectedly.
Opening Credits
NYPD, the "Law", interviewing the deceases best friend or business partner or father: "So tell me where was she the night of the murder?" [They are always walking... from Office #1 to Office #2, or from Apartment Room #1 to Apartment Room #2.]
Woman, walking: "She was with me [looking over her shoulder at the two cops], in my studio, from about 9:15 to 10:30 last night."
OKAY, who the fuck remembers what they were doing at 9:15 some night like a week ago?! Also, everytime the cops are interviewing people, the people are always "on the walk" (as in, "on the run"), walking from Point A to Point B. Ummm, if cops were interviewing me about my friends' death, I'd for sure be a.) crying b.) not walking to my next appointment.
I really hope the directors and producers of L&O are reading my website... I'm sure they are! I have loads of good tips... (god I'm an asshole)... (funny is that I first wrote "asshold" rather than "asshole")...
T.G.!
Friday, April 11, 2008
Omg the guy next to
Thursday, April 3, 2008
I am sooo loving this. Let me tell you, I abhor the Microsoft Paperclip. Even worse is the stupid dog you get when searching for files. Hate hate hate.
You know what I don't hate? Rollerblading! Whoo! See post below... we're having a good time with our new rollerblades, even though spring has sprung here and with that a plethora of mosquito-y bugs and such. Nothing like wheeeeeee!ing down a slight incline right into a black curtain of buggery. Yummy.
Anyway, it's almost Friday. It's sick how much I look forward to Fridays. In fact, it's sick how much I look forward to retirement. Yikes. Anyway, so I'm traveling to LA next week for work, and we're staying in Torrance. OMG what do you think of when you hear Torrance?!?!?!?! I won't even give you a clue, you shouldn't need one.
I leave you with this: is purple cabbage not the most beautiful veggie?!
Monday, March 31, 2008
Birthday
Twenty-six was a great birthday, by my measure. It started with breakfast in bed, a leisurely start to the day, and a true clean slate of a Saturday in which I could do whatever I wanted to do. Nick and I went on a wild goose chase, that ended up being not-so-wild as we were lucky on our second store. The goods? Rollerblades. Yeah man! Nothing to make you feel like half your age than a good pair of rollerblades. Nevermind the fact that the wrist pads and knee pads I threw in there for good measure took me right back up to twenty-six, or doubled my age, rather, but it’s all good. I’ll take a bruised vanity over a broken appendage ANYDAY.
Donning my impressive safety gear and new ‘blades, we took full advantage of a beautifully sunny Saturday and headed over to the Metropark. It was nearly 50 degrees and the park was nowhere near empty. Other couples were strolling on the path, kids were throwing rocks into the river, and hippies were playing disc-golf. It was a picturesque early springtime painting. Sublime.
After my first foray into rollerblading in over a decade, we took to the open road in search of a quaint little restaurant on a nearby lake, but was unsuccessful. Some deep-dish pizza pie was a very close second option, and I was pleased nonetheless. I thought to myself, “Damn, I am lucky!”
After bumming around the house, watching bad movies (Perfect Stranger, The Lookout), and lollygagging, it was time for some birthday dessert. Headed up to the bar, got myself a martini (the b.f. a beer) and we each ordered a dessert. Of course, when Nick’s dessert came, and looked ever so appetizing, I took the liberty of having a few heaping forkfuls, you know, it being my birthday and all. He didn’t even touch mine. What a gentleman.
So, the day didn’t involve partying like a rockstar, I didn’t have a huge party with copious amounts of liquor and beer, I didn’t demand roses and diamonds and the likes, but damn, that was as near a perfect day as I’ve ever had. Damn, I am lucky.