Friday November 27, 2015
Never Attribute to Malice
Never attribute to malice that which is adequately explained by stupidity.
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.
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.
Tuesday September 15, 2015
The 8 Colors of Fitness
Our September BAAPT program featured Suzanne Brue with a new twist on Type. You'd probably guess that the different Types approach exercise in very different ways. But this meeting provided the opportunity to discover just how different we can be.
From one SJ/Blue's comment about exercising, "It never occurred to me that fun could enter into it", to an SP/Green's "I like the surprise around the corner and like to adapt to it", we spent three hours learning and talking about physical activity, fitness, and Type.
Sunday August 30, 2015
Personal Weather Stations
I'm not a weather geek like some people, but I do like to know what's going on. We get a lot of wind in our neighborhood, and we've had a wireless thermometer / anemometer running for quite a few years now. But I wanted more.
NetatmoSo, two years ago, when I read about the Netatmo weather station, we bought one. I like it a lot.
Thursday July 23, 2015
We have been thinking about adding solar collectors for a long time, dithering over technologies, worrying about installation and maintenance, etc. When the public school in our neighborhood put in an 8190 sq. ft. array (6 rows of 91 3'x5' panels), we knew we should try to get on board. However, it's always been too expensive. Until now. Rich ran across a mention of SolarCity in January of this year. He started looking into what they offer; he talked to a representative. They sent us a proposal; discussions went back and forth. Eventually, we signed up, hooked up, and became reasonably happy campers. Note: If, after reading this post, you decide to buy from SolarCity, please let them know that you learned about them from us. You'll get a month of free power and we'll get a tasty referral bonus!
Continued... in our wiki.
Friday July 17, 2015
Tea on Ice
A story about cold tea, brought on by a memory triggered by my mug of tea going cool.
Saturday July 4, 2015
My Labels, My Choice
I just ran across this question in a LinkedIn group:
Do Typology Instruments Box People Into a Category Using Labeling?