<D <M <Y
Y> M> D>

[Comments] (1) economy stimulation: So one of my clients is big on white shirts, ties, and suits. I don't own a suit. I don't enjoy wearing suits. My last suit was purchased during wedding planning at the tuxedo shop and served me well for seven years before my wallet finally wore a hole in the pants. Lesson learned.

So today I braved the stores suit shopping. Suits are expensive! They make it seem like a steal of a deal when it's BOGO free but now I have two suits when one would suffice. Hopefully I can remember not to wear my wallet in it, not to let the kids' sticky hands near it, and not to gain any weight so it'll last sevenplus years. I've now officially done my part to help GDP grow by spending money on stuff I don't really want.

We are also in the process of refinancing our house. Our bank representative never called or emailed us back after multiple attempts to refi. Finally Susie went into the bank, met someone else, and voila, we are in escrow! We are taking some of our India savings to pay down the loan balance, and we are going from a 6.375% interest rate to a 4.25% interest rate. Net savings will be just shy of $500 per month! No wonder the bank doesn't want us to refi! Then today we get a letter in the mail from said original bank rep. Sure it's a form letter, but he tells us to call him NOW to discuss our long-term mortgage needs. What a crock.

As part of the refi, the bank verified our credit scores. Mine is in the 800's and Susie is in the 700's. Not sure why we are different. But we are clearly credit worthy.

We also stimulated the economy by purchasing some festive holiday bundt cakes and gingerbread egg nog, which we took to Grandma's house to share. The entire meal was delicious! But won't help me in the keeping my suit dilemma if my waist outgrows the pants too fast.


© 2003-2015 John Chadwick.