Monthly Archives: September 2008

My Adjustable Rate Mortgage Adjusted

Posted on September 26, 2008 | 3 comments

So it’s that time for my five year ARM (Adjustable Rate Mortgage) to start adjusting. Was a little nervous because I didn’t know how it would go. It could have go up 2% but it only jumped from 4.25% to 4.875% so I’m pretty happy about 5/8ths of a percent (it’ll stay that rate for the next year). What I couldn’t understand was why my payments dropped if the rates went up? Turns out they recalculated my mortgage based on what I currently owe and since I’ve been paying extra on my mortgage it went down; so even though my interest is going up $45-ish a month it actually dropped my monthly payment.

I’ve had a really great experience with my first mortgage. I set it up with a local company and it was immediately sold to HSBC (it was sold so fast; I signed Friday at 4 pm and Monday I got HSBC paperwork dated from Friday). I purchased the five year ARM at 6.875 interest (I think I paid a small amount for points to drop it 3/8 of a percent) then a few years later I had them redo my interest rate to 5.25% with just a phone call (and a $750 processing fee on my MasterCard) and then I did it once more (5 years ago) to 4.25% for another $750 phone call. The phone call required no paperwork, just them checking my credit and my payment history. So I managed to stretch this 5 year ARM out to almost 9 years while dropping my interest rate in the mean time.

It’s worked out quite well for me (other than the fact that housing values have dropped) especially since I never thought I’d live here even 5 years :)

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International Driving Permit

Posted on September 25, 2008 | 2 comments

I got my International Driving Permit today. international driving permitpermit insideIt’s a boring slightly-larger-than passport sized booklet. It’s $15 at AAA (no membership required) bring 2 passport-type photos if you have them, they’ll charge more if they need to take your photo. If you go in they make it up and you take it with you; you can mail in for it also (a list of the 180+ “participating” countries are on the application form). Make sure they check all your endorsements on the form before you leave; they forgot to check my motorcycle endorsement (I noticed before I left).

When you travel you still need to keep your driver’s license with you. This is just an official document with your info copied to a specific page and then the key to that page is translated into 11 different languages so whomever pulls you over can figure it out.

Sorry, the photos are a little blurry, I took them with my webcam, but you should get the idea; besides they’re official documents I shouldn’t be posting hi-res copies, right?

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Those WERE the droids I was looking for…

Posted on September 22, 2008 | 2 comments

Of all the “these aren’t the ‘droids you’re looking for” jokes / spoofs / parodies I think this is the simplest and the funniest one I’ve ever seen. I got this off PhotoBucket after spotting it on someone’s MySpace page.

Stormtrooper

I love this!!!!

If you don’t understand it, it’s a popular reference from the first (4th) Star Wars movie…

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Are you a creature of habit, food wise? – Friday Question #38

Posted on September 22, 2008 | 2 comments

Do you eat the same thing everyday? Are there any foods/drinks, you feel like you have to consume on a daily basis? Or do you like some variety?

I’m totally a creature of food habit. Breakfast is almost the same every day (turkey bacon, fried egg, cantaloupe and OJ; sometimes I mix it up with real bacon). If I’m at a restaurant, I probably know what I’m getting before I went there (I decided what to eat and then picked the restaurant). Most restaurants I only get one or two different things. If it’s a sandwich, it’s “no pickle, no mustard and no mayo”. And at a few places I have a favorite table or two (at my local Einstein’s they know I’m disappointed if I can’t get the table I want). I really need my daily Coca-Cola but I try not to have any after 2 PM (unless there is alcohol in it). And I try to have at least 3 bottles of water a day (if not more).

From Friday Question #38.

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Sunsets of Costa Rica

Posted on September 19, 2008 | 1 comment

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I uploaded a album of sunsets to FaceBook. These are from my last two trips to Costa Rica. There are a few dozen and I think all of them are labeled where and when they are from.

If you are a member of FaceBook be sure to add me as a friend while you’re there. Just click on “Gary’s Profile” at the top and then “Add as a Friend”.

(I didn’t realize that these public links to Facebook photo albums expire, I’m not even sure how long they last. That’s annoying, I’m glad I only used them for a few albums…)

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Posted in Costa Rica 2008

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Trism for the iPhone

Posted on September 18, 2008 | 1 comment

So I saw this preview for Trism a few months ago, it looks like a cool game and shows where some games are going with motion sensors in the game unit itself.

Looks like a fun smart thinking game, I’d probably buy it if I had an iPhone or iPod Touch, it’s only $4.99.

But that’s old news, why am I bringing it up today? Because Steve just tweeted that since July 11th (10 weeks ago) he’s made $250,000 from the iPhone Apps Store!!! I’m assuming that’s before Apple’s cut, which I think is 30%, but that shows that innovation (and fun) sells. Plus, the Apps Store make it easy to sell your product and also makes it hard to steal your product (you can only download and install from the store). (Robert Scoble pointed that tweet out in his feed)

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Tamarindo, Costa Rica

Posted on September 18, 2008 | Leave a comment

So I like this town, it’s a tourist town so it’s missing some of the remoteness of some of the other towns, but it’s got every thing you might need. Lots of restaurants and hotels, a beach with surfing so it’s a got something for everyone. The beach could be bigger, especially since the tide comes up pretty high but I’ve never been very far up or down the coast from to see what else there is, maybe the next trip.

Since it’s a tourist town, it’s got lots of parking so it’s generally not a problem parking right where you want to be. This is a big bonus if there’s a huge downpour (or you’re really sick).

A lot of the people in Costa Rica scoff at Tamirindo because it is a big tourist town (especially the smaller towns on the coast some of them are just rude about it) but it’s completely different from the smaller towns so (to me) it shouldn’t be compared, you might as well as compare it to New York City; but if you’re looking for surfing NYC isn’t the place and if you’re looking for theatre Tamarindo isn’t the place, so the question is “what is it that you are looking for?” and this might be it…

Here’s the Tamarindo Photo Album I put together. I’m trying this with the MobileMe service, so if it doesn’t view very well for you let me know and I’ll put it in the old format. Photo.Me.FormatNotice the buttons at the bottom of the photos for Grid, Mosaic, Carousel or Slideshow; be sure to check out how they work.

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Dear McDonalds

Posted on September 15, 2008 | 5 comments

So I’m getting desperate in my quest. As a last resort I e-mailed Ronald and Co. today, I said:

Dear McDonalds,

I see that McRibs are back at “participating” McDonalds.

How do the fans find a McRib?

Where in Michigan (Detroit or otherwise) or even Toledo, OH or Chicago can I find one of these? I’m traveling next month? I’ll schedule a layover for my flight so that I can stop in a McRib city, seriously!

Is there a list somewhere or at least someway I can check out some specific markets?

Thank you,
Gary

Do you think I might get a response?

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