Friday November 27, 2015

Never Attribute to Malice

Never attribute to malice that which is adequately explained by stupidity.
Or incompetence. Or lack of care...

In 2000, we refinanced the mortgage on our house. Shortly thereafter, we applied for a home equity line of credit (HELOC). The former was with First Nationwide Bank; the latter with CalFed. In 2003, Citibank purchased both notes.

I don't recall the details of the application for the HELOC. The paperwork we have does say, in the fine print, that the note would be a revolving LOC for 15 years, then come due as (gasp) a balloon payment. I don't know what we were thinking. I can only presume we were planning to make sure that it was paid off before that happened. We don't have any notes from that time.

Our thoughts in 2000 shouldn't matter, because in 2004 we refinanced the mortgage with Citibank. We thought we were refinancing the HELOC at the same time. We were explicitly told that the LOC would be "replaced". We were also explicitly told that the terms would be: a revolving LOC for 10 years, then the note would convert to a fixed-rate loan to be paid off over 20 years. ...
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Never Attribute to Malice ( in category Trivial Pursuits ) - posted at Fri, 27 Nov, 19:54 Pacific | Comments (0)

Wednesday November 25, 2015

Livescribe 3 - Moleskine edition

(Disclaimer: I volunteered to be part of an Early Access program for the Livescribe 3 smartpen Moleskine Edition. I received the Livescribe product for free in return for my review. My opinions and comments, however, are entirely my own and were not previously vetted by anyone at Livescribe.)

I should start by saying that this is my first experience with Livescribe pens or with Moleskine notebooks, although I have heard quite a bit about both products before. I have been intrigued by the Livescribe pen for several years, but wasn't convinced that I wanted to carry a special, bulky pen and pad of dotted paper with me.

The Livescribe 3 Moleskine Edition changes the parameters. First, the pen seems very... pen like. It's fat -- a little over half an inch in diameter, but nevertheless sleek in design. I could wish it tapered just a bit more at the front half; my hands are on the small side. I would also prefer a gel ink to a standard ball point; my hand starts to cramp faster using a ballpoint pen. Other than that, I don't really have any complaints about the design. ...
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Livescribe 3 - Moleskine edition ( in category Trivial Pursuits ) - posted at Wed, 25 Nov, 11:05 Pacific | Comments (0)