Monthly Archives: June 2008

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Tim RussertI’ve never been much of a flag waver. Waving a flag around doesn’t make you patriotic.

I dunno, I guess it’s just not my style, but to me it doesn’t seem to symbolize much more than a nationality — like at the Olympics or something.

I guess, in that respect, I’m a little like Barack Obama — sorry Dad.

I think Obama’s changed his stance though — poll numbers will sadly do that — but I think he now wears one of those little American flag lapel pins. They’re probably made in China.

The whole Tim Russert thing yesterday hit me like a ton of bricks. I’m not really sure why. It’s not like I knew him or anything but it still kinda ruined my day.

I mean, part of it is because of all the stuff that they’ve been repeating over and over and over and over and over since the news broke.

I think it was his enthusiasm that I enjoyed most — one of the main reasons I watch NBC News with Brian Williams each night. Again, sorry Dad.

I’ll never forget, it was a night only around a month ago, where NBC obviously didn’t have a graphic ready for Clinton/Obama delegate totals and Russert broke out a big whiteboard and started drawing away and underlining things.

His arm was in the way as he was writing and talking, err, stammering, as he often would — it looked and sounded ridiculous. I’m pretty sure his math was incorrect too (making the whole scenario even funnier), but it still made the point.

They keep showing his “Florida, Florida, Florida” clip from the 2000 election, and while that may have been one of the first white board appearances, it was far from the best.

I was really looking forward to his reactions to the VP selections that I suspect will come in the next few weeks.

Obama’s a sure thing if he picks Hillary Clinton. That sucks for him. It would be a tough decision because I’m sure he really wants to be President — and he’s got a definite route to get there, but would it be worth it? Nothing against Hillary, but the whole “Dream Ticket” theory is just a bad idea.

From my stand point, I can see John McCain going stupid and selecting someone like Joe Lieberman (a proven loser) from my home state.

That’s right, Joe, you lost with Al Gore and you even lost to the unknown Ned Lamont. In fact, as a result of the latter, you shouldn’t even be in the Senate anymore…

In any case, if McCain announces something like that first, Obama can pick anyone he wants and still win.

I think Colin Powell would make for an interesting selection. No, not because it’d be two black guys running for the highest office, but because both tickets would be split affiliations.

Lieberman and Powell both screwed over their former parties.

And, in comparison, I think Powell brings a lot more to the table (for Obama) than Lieberman (brings for McCain). That and the newscasters can gush over themselves and an all-black ticket.

Best of all, an all-black ticket headed for the White House would, in essence, end the careers of perpetual racists Jesse Jackson and Al Sharpton. That would be a good thing.

In the end, politics aside, I hope Andrea Mitchell doesn’t take over Russert’s on-air post… She just doesn’t have it — whatever “it” is.

Oh, and is it just me, or is it odd that Google doesn’t have a special “Flag Day” graphic today?

Seems every other day lately they’ve got a painter or an architect I’m unfamiliar with showcased within their logo. Today’s a pseudo-holiday that I’ve actually heard of and they’ve got nothing…

I guess Larry Page and Sergey Brin aren’t flag wavers either…

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As I’ve detailed before, I’m a frequent user of Google Maps.

It’s amazing how much you can visualize from a satellite photo. As a result, I now find regular street maps to be rather boring. There just isn’t enough detail. (Shhhh — don’t tell my Garmin.)

Well, earlier this week, I noticed that they recently expanded their “Street View” option to large sections of the country.

Yeah, San Francisco, the Las Vegas strip, and much of Manhattan have been this way for a couple of years now — the idea is nothing new — but now my quiet little side street is included too! We’re in the club! Woo-hoo!

From the looks of the photos, based mostly on the foliage, the Google Street View team drove by my house some time last fall just before the leaves changed color. Probably early October — the neighbors have a pumpkin on their front step.

I realize some of the paranoid out there are very much against this whole project — worried about their privacy or something — but quite honestly, if someone *really* wanted to get a picture of your house, you know, like a stalker or something, they could very easily just look you up in the phone book and hop in the car. It’s not that big of a deal. To me, at least.

Anyway, in case you were interested, here’s the Street View photo of the house that smelled like dog piss:

The ‘Dog Piss’ House

Glad I didn’t move into this place… It would have been far too small, and even though they’ve since paved half of their front lawn, it still would have been a struggle for us to get all of the cars lined up nicely. I wonder if it still smells?

Anyway, it was kinda neat to see my house on the internet. My car in the driveway. My car in the parking lot at work — amazing, I was in two places at the same time!!! My favorite grocery store. My high school. My parent’s old house. The seedy neighborhood I’m afraid to even drive through. I’d show you all of it, but I doubt it would be that interesting.

But there are a number of sites out there that post interesting and funny shots that the Street View camera’s have caught, so if you have a few minutes, it might be an enjoyable waste of time!

As a sample, here are a few of my favorites from Street View Fun:

Speeding Google Street View Vehicle
The Street View car is, well, speeding.

Crime in Progress?
Crime in progress? Something fishy is definitely happening here.

Hubba, hubba…
Hubba, hubba…

Return of the headless horseman?
Ichabod Crane had better keep an eye over his shoulder…

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I’m thinking Arby’sPut those dinner plans on hold!

My wife just emailed me to let me know that Arby’s is apparently offering their regular roast beef sandwiches for 99 cents again!

Not sure if it’s regional or nationwide but it’s valid today only.

In all honesty, when it comes to roast beef, I much prefer Roy Rogers, but they’re getting harder and harder to find… except at the rest stops along the NY State Thruway and those aren’t very clean…

Anyway, for 99 cents each, I know what I’m having for dinner tonight!

Yep, four of them.

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It feels like it’s been months since I last accomplished a financial goal. In fact, it *has* been months. It’s getting me down.

I eliminated $28k+ worth of credit card debt way back on March 27 with a $508.13 payment to Chase Bank.

Seems like forever ago already.

There is a light at the end of the tunnel, though, for my next target — eliminating the PMI I’m charged each month on my mortgage bill.

Private Mortgage Insurance (PMI) – PMI is extra insurance that lenders require from most homebuyers who obtain loans that are more than 80 percent of their new home’s value. In other words, buyers with less than a 20 percent down payment are normally required to pay PMI.

PMI plays an important role in the mortgage industry by protecting a lender against loss if a borrower defaults on a loan and by enabling borrowers with less cash to have greater access to homeownership. With this type of insurance, it is possible for you to buy a home with as little as a 3 percent to 5 percent down payment. This means that you can buy a home sooner without waiting years to accumulate a large down payment.

Under HPA, you have the right to request cancellation of PMI when you pay down your mortgage to the point that it equals 80 percent of the original purchase price or appraised value of your home at the time the loan was obtained, whichever is less. You also need a good payment history, meaning that you have not been 30 days late with your mortgage payment within a year of your request, or 60 days late within two years. Your lender may require evidence that the value of the property has not declined below its original value and that the property does not have a second mortgage, such as a home equity loan.

I’ve got $1448 to go before I hit the magic 20% number when I can request that it be dropped. This will result in a $1k+ savings each year for me.

Right now, I’m sending $150 towards principle every Monday. My monthly mortgage payment knocks off $210 each month (increasing $5 each month). And to make each monthly payment a nice round number (it makes the checks easier to write), I also send an additional $45 that is applied directly to principle.

I’ve already paid the mortgage for June so the numbers for the rest of the month are pretty simple to calculate. There are 3 Mondays remaining this month, so subtract $450 from the total.

$1448 – $450 = $998

I’ll mail in the next mortgage payment (which is actually due August 1) in the first week of July. That will take at the very least another $255 off the total sum. The 4 Mondays in the month will total $600.

$998 – $255 – $600 = $143

On the current course, I’ll complete this goal on the first Monday in August. That isn’t very far away.

But July happens to be a 3-paycheck month for me, so providing that our upcoming vacation doesn’t go way over budget and property taxes on our vehicles don’t kick my butt, I’ll likely send in an extra $500 (or so) in July to really break past the magic number before submitting my request to Countrywide to have the PMI dropped.

Real Estate BookWhen I purchased my home in the fall of 2002, I knew going in that it was going to be a work in progress. A fixer-upper of sorts.

I mean, it was one of those real estate listings with “AS-IS” tagged on. Never a good sign.

I remember my real estate agent calling me up at work and saying that he had a few new listings come in that I might be interested in.

On the way home (my bedroom in my parents house), I stopped by the RE/MAX office and picked up the MLS sheets printed out from an inkjet running dangerously low on ink. It was nothing new, I’d been doing this for at least two months without anything that remotely peaked my interest.

For whatever reason though, that night, after dinner, I brought my younger sister along for a “drive-by” of two of properties the realtor had printed out for me. It was about a half hour ride in total and neither house really interested me.

The next morning, while at work, the real estate agent (who was obviously growing impatient with my complete lack of excitement from his suggestions) called again and I asked if I was interested in any of the properties on the MLS sheets.

“Nope.”

Now, at the time, in the summer of 2002 — houses were selling even before they hit the market. Certainly a different climate than we find ourselves in today.

I’d found a few homes that were perfect, only to find out that by the time they made the newspaper (or even the internet) and I’d caught wind of them, they’d already been sold — usually within the same real estate office that listed them. It was really frustrating.

It was almost to the point where buyers were putting down deposits on homes sight unseen.

Over my lunch hour, I did another drive-by of the two “better” homes that I’d driven by the night before.

One was an updated cape, but a bit smaller than I’d like, it only had a 1-car garage, and it was on a busy road.

The other was a big dark decrepit looking thing with grass approaching the 2 foot mark. Short of boarded up windows, it was obviously abandoned.

Hmmmmm…

What did I have to lose? I hadn’t actually gone through a house for a few months at this point, so I called my agent back and said, “You know what, yeah, let’s take a look at the red one and the tan one…”

I took the rest of the afternoon off from work and headed down to the real estate office — I had become a bit of a familiar face (and probably an inner-office joke of sorts) and as I was waiting for my agent to get his stuff together (i.e. find his lighter), the listing agent for the big red house, an older gentleman, said to me, “I think this is going to be your day…”

God damn shyster… Don’t you tell me… That’s what I was thinking — I didn’t vocalize it.

So we hit the tan house first.

The agent opened the front door and we walked in to two cocker spaniels barking their heads off. They were penned in the kitchen using one of those baby gates people use at the top of the stairs.

The house looked alright I guess, but it reeked of, well, dog piss. I mean really bad. We’re talking so strong that an entire case of Lysol canisters wouldn’t be enough to solve this. Needless to say, it didn’t leave me with a great impression.

MLS PhotoOff we went to the red house. That’s the actual photo attached to the real estate listing — from a distance, yeah, it looked semi-decent.

As we pulled up in my agent’s ashtray of a car, this time *he* said, “This is going to be the one for you!”

“I just hope it doesn’t smell like dog piss,” I replied.

We worked our way up to the front door and he struggled to get the old fashioned latch style storm door to open. One of the panes of glass on it cracked. Not a good start. We broke the house.

He finally gets the front door open and we walk in… Wow! Dark wood paneling (warped too!) and shag carpeting. I’d never actually seen a home so out of date in real life… Then the smell hit. Stale. Musty. Damp.

The house had been vacant for around 6 months and, well, let’s just say that it was pretty apparent. Still fully furnished with, well, cheap, old, sometimes broken, and, really, just crappy furniture…

Peeling wallpaper in the rooms that actually had wallpaper. Cobwebs everywhere. It really did look like a haunted house. Smelled like one too!

The MLS sheet stated that the home had hardwood floors. I guess that was truthful, but they failed to mention that they had been painted battleship grey.

The toilet had a post-it on it saying “Don’t flush”. I tempted fate and gave it a try. It didn’t flush.

No matter, it was a neat old house and I was feeling adventurous, so I went through single every room. Two of the bedrooms had 4 miniture size beds in them — not twin size, but not toddler sized either. Odd — unless the seven dwarfs resided here.

I checked out the walk-up attic, looked around the scary basement, and even hit the “play” button on the answering machine that indicated that there were 5 new messages.

As we left I was thinking, “Hey, that was kinda fun… No way in hell I’d live here, but it was a neat walk through…”

When we returned to the RE/MAX office, we looked through a few more listings through what they considered their “super secret agent only website” (I’d already seen every listing on realtor.com) and the listing agent for the big old haunted house poked his head into my agent’s office and said, “I really thought that was the one for you…”

I laughed him off, “Yeah, right…” and called it a night.

After sleeping on it, I felt my initial reaction was the correct one. Haunted houses are neat, but not exactly an ideal place to live. Even so, I drove by it again on the way to work.

It was a good 600 square feet larger than any of they other houses they’d steered me towards in my price range. It looked HUGE from the street. It had a two car garage. It was on a quiet street with well kept homes (excluding itself). It had an empty lot next door.

I arrived at work and called my agent to inquire about the lot next door — was it part of the property?

“The red one?”

“Yeah, the red one.”

He wasn’t sure. I heard him call out to the listing agent. He wasn’t sure either. I asked them to find out…

About an hour passed and the phone rang.

“Paul from RE/MAX is on the line.”

I took the call. He started off with his canned, “Good morning, how are you…” like he’d never spoken to me before. I really hated that. He did it all the time. Nice guy and all, but when you’ve been dealing with someone for a few months, you can drop the whole act…

Anyway, the property went all the way to the corner. It was just one lot, but a big one. I asked if the listing had been advertised yet.

“Nope, not beyond the MLS sheets.”

“Can I take another look?”

“Really? Yeah — sure!”

I went through the house again that evening but this time I didn’t treat it as a total joke…

This is the first post in an ongoing series I’m working on dealing with the large upgrade and renovation expenses involved when you purchase and live in an older home.

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Plaxico BurressFrom a story I lifted off of TSN this morning, apparently New York Giants wide receiver Plaxico Burress is refusing to practise because the Super Bowl champions haven’t renegotiated his contract.

Burress reported to Giants Stadium for a mandatory minicamp Wednesday, but said he told the coaching staff he won’t work out without a new deal.

The wide receiver says he has three years left on his current deal.

Burress, who battled through an injury-hampered season last year, caught the game-winning touchdown in the Giants’ stunning 17-14 victory over the previously unbeaten New England Patriots in the Super Bowl.

Um… why’d he sign a multi-year deal? I think the teams should start giving the players a dictionary every time this comes up (pretty much every season).

From the worst dictionary/encyclopedia ever, Wikipedia, a contract is defined as a legally binding exchange of promises or agreement between parties that the law will enforce.

Sure, he made a great catch to clinch the Super Bowl back in February — but that doesn’t mean he doesn’t have to honor his current contract for the 3 more years he’s obligated to.

I suppose he thinks there’s a mistake in the numbers — the Giants didn’t pay him to win the Super Bowl for them, so he wants compensation now… Sorry bro, you’re gonna have to wait (and perform) for another 3 seasons before a raise comes along…

I hope he sits on the sideline all season. Unpaid.

Addendum:

The more I thought about it and tried to compare it to my own non-NFL lifestyle, I realized that my mortgage contract with Countrywide has around 24 years left to go on it.

And I’m not 100% satisfied with the terms of the loan.  It costs me too much.

If I were Plaxico, I’d stop paying the mortgage and hold out for Countrywide to renegotiate the terms in my favor…

Oh wait, people are actually doing that already…

Ridiculous.

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The Smurfs are coming!On a personal note, I just stumbled across this encouraging bit of news this afternoon on Variety‘s website:

Columbia Pictures and Sony Pictures Animation are bringing a live-action/animated “Smurfs” project to the bigscreen.
Sony obtained film rights to the blue-colored characters from Lafig Belgium via Jordan Kerner (“Charlotte’s Web”), who is producing. David Stem and David Weiss, who wrote the second and third installments in the “Shrek” franchise, are in negotiations to pen the screenplay.

Kerner secured film rights to the Smurfs property in 2002 and had been developing a 3-D CGI feature at Paramount/Nickelodeon, which has an option to co-finance the Columbia/SPA incarnation and distribute internationally. The Melrose studio has yet to make a decision on its role in the film.

Best known in the United States for the long-running Hanna-Barbera cartoon, the Smurfs were created in 1958 by Belgian cartoonist Pierre Culliford, known throughout the world as Peyo. The Smurfs, originally called “Les Schtroumpfs” in French, were created for a Belgian series of comic books, first as minor characters. The villagers, known for their blue skin and small statures, spawned a line of statuettes, games, toys, theme parks and a hit TV series, which ran as part of NBC’s Saturday-morning lineup from 1981-90.

Kerner said the genesis of the current project began during a holiday conversation with Sony Pictures Entertainment chairman-CEO Michael Lynton, who grew up with “Les Schtroumpfs” in the Netherlands. “He relished them as I do and suggested that it should be a live-action/CG film,” he said. “(Studio topper) Amy (Pascal) felt equally that there was potentially a series of films in the making.”

Kerner has been working closely on the project with Lafig CEO Hendrik Coysman and Veronique Culliford, the daughter of Peyo.

“Smurfs” marks SPA’s first hybrid film — a subgenre that proved popular given the success of 20th Century Fox’s “Alvin and the Chipmunks” — and is the first project to go into development since Hannah Minghella was named prexy of production for the division in April. SPE digital production prexy Bob Osher said the studio plans to rely on Imageworks — which was recently taken off the sale block — for the film’s character animation and visual effects.

“The Smurfs are one of the best-known franchises, and among the most beloved collection of characters in the world,” Columbia co-president Doug Belgrad said. “We’re very excited to introduce a new generation to Papa Smurf, Smurfette and the other smurftastic Smurfs in all of their ‘three-apple-tall’ glory.”

Sony will launch a licensing effort around the classic Smurfs characters at this year’s Licensing Show beginning today in New York.

Ben Haber will oversee the development of the script for Kerner Entertainment. Haber and Paul Neesan are exec producing the film.

Stem and Weiss’ credits also include “The Rugrats Movie” and “Jimmy Neutron: Boy Genius.”

Sadly, no mention of Brainy Smurf. Perhaps he’s too busy working on a PF Blog to be in the film… Perhaps…

On a slight tangent, in the late 1990’s I received a cease and desist order from the Peyo folks in Belgium. They meant business — the shipping charge on the envelope was over $80.

They weren’t very friendly either — they smurfed me up and down. The threat was, as I’d grown accustomed to at that time, trademark infringement.

Unlike my first run-in of this type, I didn’t stand my ground and sold my soul to Gargamel.

They’ve left me alone ever since. I semi-regret it now.

Anyway, I wonder if they’ll tone down the socialist tone for the movie? I should hope not, but I can’t imagine it staying true to form.

They’ll smurf it up somehow… And, yes, the verb form of “smurf” in that connotation means exactly what you’re thinking…

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    Eddie Vedder of the band Pearl JamThis is going to sound ridiculous to some.

    And it makes it quite apparent that I don’t buy tickets for events very often, but for some reason I thought that Pearl Jam actually “won” the battle against TicketMaster and their phantom surcharges in the 1990’s.

    Apparently I’m mistaken.

    On our upcoming vacation, I was hoping to catch a Blue Jays game at SkyDome (I will always call it that, regardless of the corporate sponsor) while passing through Toronto.

    I’m not exactly a fan of baseball — it’s boring, but if I had to pick a team, the Jays are the one for me.

    Unfortunately, my hopes of actually seeing them in action for the first time in 20 years were dashed because the Jays will be in Seattle at the time. Drat.

    Enter the Toronto Argonauts.

    South of the 49th parallel, I’m sure some are saying, “Who?”

    The Toronto Argonauts play in the Canadian Football League.

    Yeah, that might sound minor league, but they’ve been going strong in Toronto since 1873. Yeah, that’s right, a good thirty years before the New York Yankees even came around. Essentially, this isn’t some semi-pro run of the mill operation.

    I’ve attended one CFL game in my life — and Argos game back in 1991. The big name for the team back then was Raghib “Rocket” Ismael. He’d just won the Heisman trophy for Notre Dame earlier in the year and was expected to be a first round pick in the NFL draft.

    Instead, he chose to go play for the storied Toronto Argonauts. I’m sure the $26.2 million paycheck likely had a little to do with it — that was more than any NFL player was being paid at the time, but hey, he still chose to go to Canada.

    On opening night — the game I attended — he returned a kickoff for a touchdown just as he had done so many times for Notre Dame. Mike “Pinball” Clemons was the star of the team — but Rocket Ismael was the hype.

    So as it works out, we’ll be in Toronto for opening night this year. On July 3, the Argos will be hosting the rival Hamilton TigerCats. I’m looking forward to it.

    The Argos can’t boast a line-up with stars like Rocket anymore. Joe Theisman and Doug Flutie are long retired at this point too. Ricky Williams, well, isn’t he in prison or something? Old Mike Clemons is still around but in a front office role.

    I did read recently that former Colts and Cowboys kicker Mike Vanderjagt has signed with the team — but seriously, can anyone get excited about a kicker? Not me.

    Anyway, in lieu of a Blue Jays game, the Argos seemed like a pretty good consolation prize. Being opening night almost made it a better “event” to attend than a mid-season Jays game anyway.

    Off to TicketMaster I ventured.

    Their clumsy anti-scalper interface makes buying tickets a real hassle. You need to enter hard-to-read verification words, then you’re under a time constraint to complete your order, and their stadium diagrams are so small that you can’t read the section numbers. If you’re not quick enough, they cancel your order.

    You’d think that being as big as they are, they’d have a better website.

    In the end, I settled on two tickets in the $79 ticket bracket. Premium tickets, apparently, even though they’re in the upper deck.

    Yeah, I know… Overpriced.

    I entered all of my info and came to the place where you get to select “how” you’d like your tickets.

    I weighed the options (in under 45 seconds so that they wouldn’t “release” my tickets).

    Regular mail was free but they state, “Your tickets will be delivered by regular mail and should be received no later than 5 business days prior to your event.” We’d likely already be on vacation then.

    FedEx — the other mailing option — would cost $32. Can you say rip off? Mailing, obviously, just wasn’t going to work.

    Will call is free, as well, but being opening night, I’m not real keen on standing in the line that ticket window will likely have. I’d probably miss all of the opening ceremonies waiting in line. No thanks.

    They also offer a free TicketMaster retail location pickup option. That would work — except it has to be a retail location in Canada. I’m in smack dab in the middle of Boston and New York City. There aren’t any convenient Canadian locations in my neck of the woods…

    So I opted for the last option — the one where you print your tickets at home. They call it TicketFast.

    I’ve always been skeptical of this sort of thing. Kinda like e-tickets for airline flights…

    I dunno, something just doesn’t seem legit about handing someone a folded up piece of paper from a printed out email (that cost you a lot of money).

    It’s not official.

    It’s too easy to fake.

    What if there’s a problem? Dispute at the gate? Then what? All you have is a sheet of paper you printed at home working in your favor…

    Back against the wall, it was the only option I had so I took it. Any you know what?

    TicketMaster charged me an additional $1.75.

    Huh? It costs that much to send me an email? They send a order confirmation email anyway — what’s the extra charge for? I’m the one printing the ticket…

    TicketMaster Surcharges

    Check that out — in addition to the $1.75 TicketFast surcharge — they nailed me with an additional $2.50 cent “Order Processing Fee”.  What’s that all about? 

    Oh, and I hope you didn’t miss the $10 they’re charging me just for, in their words, “Total Convenience.” What?

    In total, TicketMaster took in $14.25 from my order. That’s almost a 10% markup.

    Where’s a coupon code when you need one?

    It’s too bad Pearl Jam didn’t win the fight — only a monopoly could get away with this sort of thing…

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