Monday, December 15, 2008
Reading
On the move
I haven't posted in a while since it is really hard to get a picture of Stephen when he is so mobile. Here's two of recent pictures. He had an ear infection last week, which was hard on all of us, but he is now better and eating more than ever. He ate a whole tamale on Saturday and just loves clementine oranges, pineapples, and of course, bread. I think he's looking forward to Christmas and seeing all the family. He likes walking around everywhere. Sean and I even taught him to put the clothes in the hamper, although he likes taking them out too. His favorite activity is walking around with something in his hand, anything really, from shoes, to blankets, to clothes to anything.
Thursday, December 4, 2008
Stephen walks the line
Monday, December 1, 2008
Thanksgiving
Tuesday, November 18, 2008
Dental Update
And he looks like his mom
Stephen
Shelby
Sean
Thursday, November 13, 2008
More from the Joint Center for Housing Studies
On balance, therefore, evidence suggests that there is room for further relaxation of borrowing constraints to expand access to homeownership. However, such efforts are likely to be more fruitful if attention is given to mortgage products that alleviate borrowing constraints in the early years of the mortgage [ie. option ARM] and if mortgage product innovation is coupled with policies designed to enhance the social and financial stability of families
Joint Center for Housing Studies
The banking crisis in the early 1930s forced lenders to call in the mortgages as they came due, and since all lenders were affected by the banking crisis, refinancing was not available and many borrowers were forced to default. Other borrowers became unemployed and could not make their mortgage payments, so lenders foreclosed on their homes. The situation was exacerbated as the weak economy caused property values to fall, moving borrowers into negative equity situations and giving them an incentive to default. In short, by 1934, many banks had numerous bad home loans on their books (loans for which the collateral—the home—was worth less than the value of the loan). Their lack of assets and their recent experience made them unwilling to extend new home loans.
Policy makers hoped that the FHA, by insuring mortgages, would jumpstart the market for home loans, thereby increasing housing starts and employment in the construction industry. The FHA revolutionized the mortgage market, not only by getting banks to start lending again, but also by changing (and standardizing) mortgage instruments and underwriting procedures. In particular, the FHA (Section 203b) insured 100 percent of qualified loans in case of default. At first, the FHA would qualify 20-year fully amortizable loans with an 80 percent LTV. Later, the FHA began to qualify 30-year loans with LTVs higher than 95 percent. The FHA’s 100 percent insurance was very important because at that time there did not exist reinsurance markets in which banks could reduce their home loan risk.
Monday, November 10, 2008
Wednesday, November 5, 2008
Feeling very patriotic this week
Friday, October 31, 2008
Stephen as Charlie Brown
Thursday, October 30, 2008
Stephen likes his book from Aunt Lilli
Wednesday, October 29, 2008
So Mad at Dish Network
I wonder if the change in security measures has pissed off more people than it has been meant to "protect" and perhaps it wasn't a good business decision because of this. I threaten to leave at least once a year to get better deals and usually get at least $5-20 off my bill at some point, sometimes more. I used to call the cable company and get their deal and then call Dish and go back and forth with who could give me the better deal on the set up that what we wanted. I said that their level of security was equivalent to loans taken out in one spouse's name that the other spouse has to be authorized to speak for that spouse who is on the loan documents. Given that the satellite company is not a mortgage broker and the security level is not even close to that level, it is quite ridiculous.
Ok, enough spouting off. Must eat.
Tuesday, October 28, 2008
Skeletons
I will say though that immediately after the shot yesterday, I did find some relief. For the first time in about a year, I didn't have to help my right leg into the car and I was able to sleep on my right side last night with no pain, which is excellent. I took a walk outside for the first time in about 2 months with Stephen and the dog this evening, and again, it felt really good. The shot is supposed to last about 6 weeks and will hopefully give me enough relief to return to some normal activity level: working out, taking care of Stephen, and just normal life.
Monday, October 20, 2008
Small Birthday party for Stephen and Kaitlyn
Friday, October 17, 2008
Year Update
Tuesday, October 14, 2008
Stephen walks better than his mom
We went to one of Sean's co-workers kid's first birthday party on Saturday. I thought there was going to be a bouncey house, but fortunately there wasn't. Stephen did find that he liked to push the birthday boy in his little car there, although he didn't like to go in the car himself. I was surprised at how fast he went. In other news, my hip is really hurting a lot these days. In the last week, it has gotten to the point where just taking care of Stephen while Sean went golfing on Sunday was so exhausting that I took a 1/2 hour nap after. Fortunately, I revived enough to go to another one of Sean's coworkers for dinner and pool, where Stephen had SO MUCH FUN with their seven year old twins. Sean's gone to Florida the rest of this week for business, so I'm single parenting and hopefully Stephen won't run me ragged. It is just hard getting up and down and making sure that everything is child proofed and he is safe. I did install child locks on some of the cabinets so that I don't have to continually tell him that that cabinet is not for babies. While I'm positive that some of my hurting is psychological, our dr. friend Brent also says that once the joint is bone on bone rubbing against each other, the degeneration and pain can increase really quickly.
Monday, October 13, 2008
Politics, Prose, and Blogging
Stephen's Slide Show
Saturday, October 11, 2008
Birthday and Brunch
I'm trying to upload Stephen's slideshow from 7 months to a year, but one of the songs that I used, Guns N' Roses, Sweet Child of Mine, caused Youtube to ask about using copyrighted material. I wikipedied copyright issues and youtube and I found a case that is very similar to mine and I am in the process of challenging Youtube via an online form. I think I'm within the fair use guidelines of the copyright law, since I own the cd from which the song comes, I am not using it for commercial purposes, and I'm creating a slideshow, but we'll see. In the meantime, here's two pictures of Stephen. The first on his birthday during his photo shoot, and the second one this morning during an outing to a restaurant for brunch. He really liked the orange slice we gave him. Sean and I had a good time last night going to dinner and seeing the Stars hockey game, which they unfortunately lost in overtime.
Thursday, October 9, 2008
A letter to Stephen on the eve of his first birthday
This week has been tough for you...you had a stomach bug that made you throw up over me and then when you got over that, you seem to have had trouble with the four teeth that you are getting all at the same time. You are a little bothered by this, but you have seemed to still sleep through the night, except for that bad Friday night when you wouldn't sleep except with your parents, which you haven't done since you were a newborn and wow, you just constantly move in your sleep and wake us up. We know you are just dealing with all the changes that are happening---becoming bipedal takes work and energy and babbling and expressing yourself is difficult when you don't know the words or how to tell us you want something. We are impressed with your obvious love of things: swinging, swimming, and a new one: the vacuum. You are your parents, both good and bad, in a mini-sized package. We look forward to your second year and how you will change...I know you will be running around soon and transitioning to eating by yourself. Your daddy is looking forward to sharing this Christmas with you...we know that you will love the boxes and unwrapping, but that you won't like that there are boxes there for you under the tree you will not be able to have yet. Soon you will not need mommy except when you are tired, bored, sick, need a new diaper, hurt...ok, so you will need mommy a lot. You are very demanding, but most times, I love to be needed. You have made our lives more...more complicated, more busy, more tired, more debt (house project mainly), more beautiful, more enriching, and more amazing. We love you,
Mommy and Daddy
Monday, September 29, 2008
First Steps: Evidence
Stephen recreated his first VERY wobbly steps on Saturday morning before we had all gotten dressed.
Friday, September 26, 2008
Milestones
Tuesday, September 23, 2008
My entire life is being blogged
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Monday, September 22, 2008
This weekend
Thursday, September 18, 2008
What is old is new again
Tuesday, September 16, 2008
Monday, September 15, 2008
Gorgeous Post Ike weather
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Stephen in the kitchen
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Feeling a little guilty
Friday, September 12, 2008
Random Postings
-for the last couple of weeks, Stephen has been coming into our bed and snuggling at 6am to 7am. Its so nice and it allows all of us to get more sleep and reminds me of when I was little. We have discovered that he only likes it for an hour, so coming into bed at 5am does not work and leaves everyone tired.
-Stephen is such a boy, he's started to really like cars. He's moved on from some of the younger toys to cars, trucks, and such. Its amazing that gender specific toys are favored so young.
-I saw a bumber sticker on a car yesterday that said, NObama08
-I think our city thinks that we recycle too much and were tired of seeing our blue bags. (Yes, they actually do care about the asthetics of the alleyways, why I don't know) We used to place our blue recycling bags next to the dumpster out in the alley and they would pick them up. We now have a dumpster in the alley that is exclusively for recyclables. YAAY.
-My in-laws have already made it out of Houston, they had already planned to go to Notre Dame to see Kaitlyn play soccer, but I hope that all the other family and friends in Houston are safe and/or out of there.
-Happy Birthday to my husband today. I love you.
Thursday, September 11, 2008
Tuesday, September 9, 2008
Future Executive Part 2
This weekend, Stephen helped Grandpa Eidson with some computer work. We enjoyed having Summer, Jon, Nancy, and Frank this weekend. Unfortunately Stephen has a cold at the moment and is a little under the weather, but we had fun none-the-less.
Thursday, September 4, 2008
Palin Political Post
My view: She's going to be outclassed...and not because of her personal life.
I looked up her education because I hadn't heard anything about it. She transferred to three smallish colleges before graduating from the University of Idaho in journalism and a MINOR in political science. She was a sports reporter for a while before getting pregnant. She got to be mayor of her small town of 9,000 because she had lived there all her life and was president of the PTA. Note: just shows how all politics is local.
Both my parents come from small towns, and Sean comes from a smallish to mid size city. All three of them are proud of where they came from, as they should be as it made them who they are. They have all three left though because they knew that there was much more out there to see and do.
I don't necessarily care whether or not she can hunt, but I do care about whether or not she has put any thought into Israel and the rest of the Middle East, what she thinks about immigration reform, even what she reads...is she smart? Does she surround herself with smart people who guide her? She made a comment last night that she may not believe in all of the protections of the fourth amendment of search and seizure protections. Why not? It would seem to me that in a wild west state of Alaska, one might be fearful of the government takings, of land, of gun etc.
Wednesday, September 3, 2008
This time of year
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Kermit goes swimming
Saturday, August 30, 2008
Stephen at SMU v. Ole Miss women's soccer game
Stephen continued to have so much fun at Kaitlyn's soccer game last night. He even found a girlfriend (one of the assistant coach's daughters who is 6 and a half months old) We changed him into his pj's at half time and he continued to just go up and down the bleachers until the end of second overtime (they tied 2-2)
Wednesday, August 27, 2008
Hippie Hippie Shake
I got back from the doctor and there's a voicemail waiting for me saying that the orthopedic surgeon has a cancellation NEXT WEEK! Hopefully they haven't filled it up by the time I can call back tomorrow!
Update: :( There was confusion and there was no availability for the appointment. Waiting 3 months for a consult is not fun.
Tuesday, August 26, 2008
Just like Mommy
Monday, August 25, 2008
Start of Fall Madness
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This weekend, we enjoyed having Sean's family in town for Kaitlyn's first soccer game, which unfortunately, they lost to Oklahoma State. We tailgated before the game, which was really fun, and brought Stephen. Once he was full of food, he really enjoyed cruising along the benches of the stadium (which thankfully, some architect had designed not to be open so that he could not fall through---forethought!) He had a grand old time banging and making noise and did not want to leave until the last five minutes of the game at about five til 9pm. Today, he took 2 almost 2 hour naps, which is highly unusual for him, but it was catching up with him. This weekend was the start of having a lot of family in town for almost every weekend this fall--both mine to visit Stephen, and Sean's for Stephen and Kaitlyn's games. We really enjoy having Kaitlyn here in town. I was even enjoying more the fact that I've been mistaken for a student while waiting outside her dorm. :) Unfortunately, next weekend's trip to Oregon for Sean with my dad and brother has been postponed, but we look forward to having Lilli, mom, and dad here in Dallas.
Wednesday, August 20, 2008
Baby Bjorn
Tuesday, August 19, 2008
Constructing a Hip
Unfortunately, the arthritis in the hip joint in my case is too far gone to do this kind of surgery and a total hip replacement is needed, or I need a new tire because the tread is gone. I have found a surgeon--thank you to my mom, who got the opinions of 3 independent people, plus my dr's, plus my friend Brent. The only thing is that the first open appointment is October 27th, so but unless there is a cancellation, I'm waiting until then. I have more research to do since there are metal v. ceramic replacement joints and benefits and detriments to each. On the economic front, I'm thinking that a company that makes these things is not a bad investment, since more joint replacements are going to be done with the aging of the baby boomers (and for people like Floyd Landis and I that have to have them done in our 30's)
I considered doing another blog about my hip, surgery, and recovery, potentially called Constructing a Hip, but I decided that I'll periodically post things in this blog here instead of having multiple blogs.