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Archive for April, 2007

Several people have been receiving my Daily English Usage offering in their e-mails, but since I recently left my job, I’m going to start doing them here. I want to figure out a way to add them as their own little thing on the side instead of crowding my main blog page, so keep your eyes open for it.

For those of you who do not know about my English Usage e-mail, I used to send out a daily e-mail that included a grammar question, debated usage, common problem, or other English-type thing. I’ll send out more news as we get closer.

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A little while ago, I wrote about an offer that was made on our house through Zillow.com. That offer was probably a scam. Well, today we received an offer that is legit. They offered lower than our Make Me Move price, but the offer is apparently a cash offer. It’s only been about 15 minutes, so we haven’t made a decision by any means. Heck, we haven’t even thought about it to be honest. I’m even a little surprised to get an offer.

So we don’t know what we’ll do now. Accepting the offer would cover all our debts and let us walk away with our hands clean. That’s really nice, but then we’d have to start all over once more. That’s not nice. Decisions, decisions, decisions.

Add to this that I’m currently job hunting and that makes it more complex. Our location is solid for work, but there are definitely better locations and this would let us go after them. Decisions, decisions, decisions.

They’ve asked for a viewing, which we agreed to. I figure that we really can’t make much a decision until we figure out if the offer is really legit and if they are really interested. It’s kind of hard to base a decision on an offer that is really more an opening of the communication lines rather than a true real estate offer that becomes a binding contract. Decisions, decisions, decisions.

UGH!!!!

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I was recently asked to expound on colorblindness. Unfortunately for you, colorblindness is one of my most favorite topics. I’ll try to keep it toned down a bit so I don’t get too hyper and long-winded.

Colorblindness comes in varying shapes and forms. Some people are completely colorblind, some have difficulty with only certain colors, and others are so mildly colorblind that they go through life completely unaware. Colorblindness affects about 1 in 9 males, and because it is passed along on the male gene, it is generally quite difficult, though not impossible, for a female to be colorblind. Colorblindness can also be caused by chemical interference, accidents, and brain injuries although this type of colorblindness typically only affects one eye and may not be permanent.

Some of the more common myths are that colorblind people simply cannot see a color or that a color is replaced with another. Not true. Colorblind people can generally see any color you can but may not readily identify it or may have trouble distinguishing between one color and another. This does not include total colorblindness. To help explain, let’s explore what colorblindness is a bit further.

Everyone’s eyes are made up of light-receiving cells known as cones and rods. The cones are primarily responsible for interpreting color, and they come in three styles: red-yellow, yellow-green, and blue if my memory serves me. Each cone is triggered by a range of color. When the cone perceives that color, it sends a signal to the brain. The combination of all the signals allows the brain to create the “picture” in full-color. A colorblind person, however, has a deficiency in their cones. Instead of the normal amount or abilities of all three cones, one or more types of cones are lower in number, damaged, or even entirely absent. If they are absent, the person is totally color-blind. If they are reduced, they are only partially colorblind.

Most colorblind people are red-green colorblind meaning that they have a deficiency in either their red-yellow or yellow-green cones. Because of the deficiency, the color is registered by the next closest color receptor. That makes the color “slide” a bit on the color scale and creates the replacement that most people think happens. In reality, the color is still accurate and even seen, but it is more difficult to distinguish some of the subtleties. In my case, I have deficiencies across all cones, but more generally in the red-yellow or yellow-green. I am a classic red-green colorblind person with some deficiencies elsewhere.

To help a little more, I once came up with this explanation to help people understand colorblindness. Look at your computer screen very closely. You’ll notice that it is really made up of red, green, and blue dots. When all dots are shining bright, you see white. When they are not, you see black. When you combine the red and blue, you see purple. You can combine these three colors into a seemingly infinite arrangements of colors. This is known as the RGB color theory (r = red, g = green, and b = blue). Our cones approximate the RGB color theory except we have a touch of yellow in our red and green. Going back to the computer, what would happen if half of your red dots suddenly quit working? You’d still see red, right? Of course you would. But what about when red was combined with blue to make purple? Well, you don’t have all the red anymore, so what do you see? Blue. That is, of course, a dramatic example, but imagine that, like most colorblind people, only a small portion of your dots weren’t working right. Instead of a complete replacement of color, what you would see is a slight color shift. Instead of a deep purple, you might see a slightly lighter purple. That is basically how colorblindness works.

For most colorblind people, it isn’t really that big of a deal. I dress myself just fine with only the rare mishap. I can drive just fine even though what I see on a stop light is closer to white, orange, red. The biggest problems for us are when people put a color on a slightly darker or lighter color with a similar tone. Or worse, green on red. They are just difficult to see.

So there you have it. A shortened version of my usually lengthy expose on colorblindness.

Oh, and just to cut it short… MOST colorblind people find it highly offensive when they are asked the standard “what color is this?” question. For MOST colorblind people, it is somewhat akin to walking up to a person in a wheelchair and asking them to dance. I personally do not mind the question because I understand that most are just genuinely curious. But the next time you meet a colorblind person and have the urge to ask, start by first asking them to explain colorblindness. It changes the tone of the conversation from “Hey! Look at the freak-show” to “I’m interested; tell me more.”

And for your fun little bit of trivia, yellow is the favorite color of a large number of colorblind people (remember they are mostly males) because it is the only color covered by two cones and, therefore, is also generally the only color that almost every colorblind person can see.

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I am colorblind. Most of the time, my colorblindness is quite innocuous, but every now and then, it takes center stage.

Last October, Courtney bought me two new suits. I haven’t had a suit that fit me since 2003, so it was time. One suit is a solid black and is cut like a tuxedo but without the felt lining on the collar. The other… well, the other one I’m not sure.

When we bought it, the salesman told me it was brown. Between then and now, I forgot that, so while we were at church on Sunday, I leaned over to Courtney and whispered, “What color is my suit?” She looked at me like I was insane, and thinking back on it, I can’t say I blame her. I mean, how many times in your life will someone lean over and ask the color of their clothing, especially an article of clothing that is worn pretty much on a weekly basis?

“Brown,” she replied as she slowly inched towards the door.

And here I thought it was green.

And it begs the question: What color are the clothes I’m wearing now? “I” think I have on blue pants and a green shirt, but looking at the shirt closely, I really don’t know.

As long as it isn’t pink.

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Katherine has been in her toddler bed for several weeks now. So far the little experiment is working well with some exceptions. She used to go to bed at 8:00. Now she still goes to bed at 8:00, but we spend the next two hours chasing her back into bed, changing her diaper, answering questions, and so on. On a typical night, we’ll be in the living room and we’ll hear this “thump, sprint-sprint-sprint, snatch, sprint-sprint-sprint, thump!” Yes, that is her jumping from her bed, running across the room to grab a desired toy, and sprinting back to her bed.

This will happen at least four times each night.

Another habit she has picked up is getting up when I do. I get up at that horrid hour when not even the birds are yet awake, and while I do try to be quiet, Katherine inevitably wakes up as well. Usually she’ll hop in bed with Courtney where she will talk until Courtney gives up completely on sleep.

She also has the habit of drinking her bottle, wanting a diaper change, and a refill on the bottle. It tends to make for a rather damp morning if we don’t change her immediately after she gets up.

The one habit that I find most disconcerting, however, is her habit of not necessarily sleeping in her own bed or any bed at all for that matter. This morning, we found her asleep on the floor outside our door. We’ve also found her asleep under her bed, on the exercise machine, in the middle of her room…. It worries me because we really have only a general idea of where she’ll end up sleeping, and if we needed to find her fast, we’d have to search.

Hmmmmm…

Here’s an idea: She currently has these fuzzy pajamas. What if we covered her bed in velcro? Heck, we could even get rid of the bed and just put velcro on the wall. And think of how easy it would be to tuck her in at night! We could literally just toss her into her room!

It’d be a real space saver, and it’d solve most of the habits she has now.

Now if you’ll all please sign here stating that you promise not to call Child Social Services….

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Every now and then you get those little gestures that I like to call evidences of love. Typically, they are small acts such as a look, a kiss, or even a well-placed compliment. Tonight, Courtney gave me a fantastic evidence of love.

As I recently mentioned, I am fanatically in love with the Hershey’s candy-covered eggs. As a chocolate lover, I do not state or take lightly the declaration that those eggs are my favorite candy in the entire world. Perhaps part of my love is that they are only available at Easter. Scarcity indeed does create desirability in this case. Courtney knows all this.

Tonight, she ran to the local grocery store and went to great pain to search through the entire pile of clearance Easter candy. In the end, she walked away with the last four bags of Hershey’s candy-covered eggs to be found anywhere in the store. A simple gesture, yes, but one I’ll remember.

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MSTAR Metro

Courtney and I have used MSTAR as our internet provider since December. After a month of horror stories, we finally got everything working in spite of MSTAR’s repeated attempts at helping us (click here).

Over the last month, however, there have been four or five times when the internet and cable services have been down for several hours at a time. I’m okay with the occasional maintenance requirements, but most companies do down-time maintenance at low-peak times and rarely on a weekly basis. MSTAR apparently believes that knocking out these services during the middle of the day on a weekly basis is beneficial for me.

So, my question is why am I paying full price for partial service? Our combined internet and cable package runs us about $80 a month. By my calculations, at least 10% of that goes to down-time.

Yeah, $8 isn’t a lot, but over a year that is $100, and it is part of the contracted benefits to our tenants. It’s also the principle of the thing; I expect to get what I pay for.

Plus they just raised their rates. Hmmmmmm…. MSTAR = Me no likey.

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Two in one day!

I’ve actually had these two topics sitting as drafts for a week now, but I’ve been busy with other things. Now that I have a touch of a free moment….

Financial planning is one of my hobbies. That and gardening. In many ways, they are quite similar. In both, you put something out of sight and watch it grow. The best gardens are maintained, clean, and watered. The best finances are watched carefully, added to, and left alone to grow. Each requires a certain amount of caretaking, patience, and attention. Each requires a certain amount of weeding to remove the bad (dead plants, weeds, debt). The best similarity of all is that each returns to the caretaker the benefits of the labor.

So it is no surprise that I have and actively use my employer’s 401(k), a savings account, a liquid asset account, credit, budget trackers, and so on. It is also no surprise that I do regular maintenance and check-ups on all my accounts (including loans) to see how and where we are going and to make sure we are still on track. To put it simply, I have a wide-spread financial garden, and while everything is still very much still in the seed stage, I’m actively weeding and watering.

One of the tools that I’ve discovered is the 529 Plan. Simply put, a 529 is a government-sponsored savings plan that lets you put money aside for college expenses. The money is post-tax, but it does carry many tax benefits that vary state to state. As long as the money is withdrawn for educational purposes (tuition, room and board, books, fees, etc.), the interest is tax and penalty free. If it is withdrawn for any other reason, you owe taxes and a penalty (typically 10% but it depends on your plan).

Utah provides the Utah Educational Savings Plan 529 (a.k.a. UESP 529). This plan has been consistently rated as the top plan in the nation. In fact, several financial experts go as far as to recommend that you not use your own state’s plan and subscribe to the UESP 529. As a non-resident, you will be charged a slightly higher fee for any maintenance, but that is still an improvement over the general value of many other state’s plans.

Some of the key benefits for Utah residents include the following:

  • An annual tax deduction of up to $3240 per beneficiary if filing jointly.
  • Gifting rights of up to $60,000 per beneficiary ($120,000 jointly) without applying tax penalties. This is an excellent way to move your estate to your heirs without Uncle Sam taking a huge chunk.
  • Fee wavers for qualifying Utah residents.
  • Extremely low fees for all Utah residents.
  • One of the top performing portfolios in the nation.

Some of these benefits apply for non-residents. For more details, click the above link.

With all this talk of the collapse of Social Security going on, some have questioned how I can justify sending some of the money I would send to my own retirement towards the education of my children. After all, didn’t I pay for my own education with only limited help? Well, yes, I did. But education expenses keep going up, and if I can help my children gain an education without leaving school in debt (like I did), shouldn’t I do what I can?

I don’t regret for a minute that I paid for my own education; it made it more valuable to me. But I also recognize that education is the best and easiest way to help secure your future. In the words of Gordon B. Hinckley, “The world will largely pay you what it thinks you are worth.” Personally, I think my daughter is worth the world—I intend to help the world see it that way too.

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38 Cents

With yesterday being Easter, I sat back and thought a bit about life over the last few years. I think I finally realized how far we’ve come. When Courtney and I were first married, we came into life with less than I ever thought we’d own.

Our first home, an apartment, was solid, but empty. We had maybe 38 cents to our name, and our very first pieces of furniture were a pair of potted plants and a beat up bookcase I dragged around throughout my college experience. That was it. We even had to run out and buy an air mattress for a bed so that we’d have something to sleep on.

We also didn’t have heat, and since it was January, our house was a balmy 40 degrees or so. We’d pull the plants in close during the night and bundle up to keep us and them alive. During the day, Courtney would turn on the burners to the stove to obtain even a small amount of heat, and we’d boil water for bathing. I think the warmest we ever got the house was around 52, and we lived like that for five days.

Our next piece of furniture was the back seat of our car. It was removable, and since we didn’t have anything else to sit on, we figured why not. Around this time, two guys from our church came by to greet us, see how we were doing, and see if we needed anything. I will never forget their faces, especially when they asked if we needed anything.

We said no.

I doubt they believed us.

Over the next few months, we got a card table for the kitchen table and some cheap stools to sit on. Next came the free couches from my sister. With the fortunate (for us) closings of several furniture stores, we were able to purchase a dresser, coffee table, and end tables at rock bottom prices. To top it all off, a good friend gave us a TV as a belated wedding present.

Yes, life was good. Courtney was about three months pregnant, we had some furniture, and, most importantly, we had heat! Then the air mattress burst at about 1:00 in the morning.

While I’m quite sure that someday we’ll look back on that and laugh, that day has not yet arrived.

The next day while Courtney was at work, I went out and bought our largest purchase yet… a pillow-top mattress set. It is still the single largest and most expensive furniture purchase we have ever made and the only thing we paid full price for.

By the time Katherine was born, we had acquired all the makings of a home even if almost all of it was free, second-hand, built by yours truly, or otherwise acquired. That was all three years ago. Now we own a home and don’t have enough room to contain our lives within it.

So I’m just grateful that 38 cents was enough. I look back and wonder how we made it. I guess we were just love-sick like so many newlyweds are. Love-sick and suffering from frostbite.

Oh well. At the very least, we get a kick out of telling everyone that our first couch had seatbelts.

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