Sunday, August 26, 2012
Possible Christmas Card Photos?
Ram's parents stopped by on Friday on their way home from vacation. We took a few photos while they were here. Lamb 3 wanted to wear his helmet but not his baseball shirt. It was very sunny and Ewe had the most difficult time of anybody not squinting in the photos. These are the best of the photos we took. After photos we went out to dinner at a Brazilian restaurant. I had never been there before. It was a nice buffet plus they bring all kinds of meat to your table. Lamb 2 and 3 were both free and everyone loved the food.
Saturday, August 25, 2012
Photo Update
We took my cousin Jessica back to the airport today after her two week stay. Here are some photos from the last two weeks.
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Lamb 2 and 3 playing with the Shakespeare books we got at a library booksale. (Complete set for $5.) |
August 13 we went and bought a flat of blackberries. (I was too lazy to pick them.) Here is one of the two batches of jam I made. I also froze some and we ate some fresh. |
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On August 19 we went to the Western ID Fair. Lamb 3 chose to drive this car for his one ride. He wanted to ride the Ferris wheel but Mama thought he was too young. |
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Lamb 2 rode with Ram and Lamb 1 rode with Jessica on the Ferris wheel. |
Ewe and Jessica |
Lamb 2 as some kind of bird |
Thursday, August 23, 2012
Wordless Wednesday Addition
Wednesday, August 22, 2012
Tuesday, August 21, 2012
Our home mortgage
We recently received a "deal" in the mail from our mortgage company. They claim that by signing up for their program we could save $13,000 in interest and pay off our loan 4 years earlier. I read all the fine print and did the math and discovered instead of monthly payments there would be biweekly withdrawals from our checking account tied to paydays plus $5 more in payments each month. There is a one time enrollment fee of $295 and a monthly participation fee of $5.42. I quote from the paperwork, "That's a small amount compared to your projected interest savings of over $13,000."
When I bought my first house my realtor gave me the advice to make one extra payment a year and it would work out to paying off the 30 year mortgage about 10 years earlier. From the beginning of this mortgage we have been rounding up and putting extra in each payment. At the end of the year we will round up to make it a full extra payment if we haven't completed that yet.
I think I'll stick with my system and put all the money that I would be putting into fees into paying off the mortgage instead of paying fees. The crazy part is that I would be paying all these fees to them so they would be guaranteed an on time payment each month plus they would save the cost of postage!
When I bought my first house my realtor gave me the advice to make one extra payment a year and it would work out to paying off the 30 year mortgage about 10 years earlier. From the beginning of this mortgage we have been rounding up and putting extra in each payment. At the end of the year we will round up to make it a full extra payment if we haven't completed that yet.
I think I'll stick with my system and put all the money that I would be putting into fees into paying off the mortgage instead of paying fees. The crazy part is that I would be paying all these fees to them so they would be guaranteed an on time payment each month plus they would save the cost of postage!
Friday, August 17, 2012
Repeat after me...
I think every school child goes through a phase where they repeat everything their sibling says to drive both sibling and parents crazy. Lamb 1 has been doing this recently. Several times a day I hear, "No repete!" At least I have to give the Lambs some credit for using their Latin vocabulary.
Tuesday, August 14, 2012
Long overdue update
I'm sorry I haven't posted for so long. I'm trying to get caught up to start blogging again regularly.
1. We decided on July 16 that we would be going on vacation this year-leaving on July 22, driving to Indiana, and being gone one day shy of two weeks. It was last minute planning so everyone we wanted to see didn't work out. But we had a great time seeing who we were able to see. We drove through MN and saw many friends there. On the way back we stopped in Cheyenne and saw friends. It was a huge driving trip!
2. Because it was last minute planning there was lots to do the week before we left. We took 4 boxes of books to Hyde Brothers/Half Price Books and a bunch of stuff we donated to the Seminary. Packing all that was more work than packing clothes. I will blog more about our trip and our bookstore shopping in a later post.
3. When we returned home there was all the "get caught up" after vacation stuff to do plus we got ready for a visitor. My cousin is studying to be a veterinarian and she has a class/internship in the area for a couple of weeks. She came on Saturday. I love having another female in the house. I love having another willing pair of hands to help with meal prep and clean up. I love that the boys bathroom smells like a girl instead of three little boys. (I'll leave what their bathroom normally smells like to your imagination.) The boys loved having another "adult" with us when we went swimming and to play endless games of Skipbo. Today was her first full day at her class so we had a few days together before she began class.
4. Yesterday we went and bought blackberries, I didn't have the time to pick them. Now I know where the place is so next year I will know where to go pick strawberries, blueberries, raspberries, and blackberries. I made two batches of jam yesterday. Today I'm working on freezing/making yummy treats out of the rest. We also bought corn and some of the best cantaloupes I have had in a long time.
5. I've had some doctor appointments recently, routine for my thyroid, etc. but going to new doctors after moving always involves more. I'm working on getting my records here for an appointment in September.
6. We got back to school today- one workbook for Lamb 3, handwriting and math for Lamb 2, and math for Lamb 1. We will ease into school this year and get back to all subjects after Labor Day when Lamb 3 begins preschool. Lamb 3 will go to preschool 3 mornings a week this year so we should be able to accomplish more on the days he is at preschool. After Labor Day I'll post what the boys are doing in school this year-I still want to finish a few subjects from last year before I declare that we are beginning a new school year and what we are studying.
There is more that we have done the last few weeks, but this update will have to do until I sit down and blog some more.
1. We decided on July 16 that we would be going on vacation this year-leaving on July 22, driving to Indiana, and being gone one day shy of two weeks. It was last minute planning so everyone we wanted to see didn't work out. But we had a great time seeing who we were able to see. We drove through MN and saw many friends there. On the way back we stopped in Cheyenne and saw friends. It was a huge driving trip!
2. Because it was last minute planning there was lots to do the week before we left. We took 4 boxes of books to Hyde Brothers/Half Price Books and a bunch of stuff we donated to the Seminary. Packing all that was more work than packing clothes. I will blog more about our trip and our bookstore shopping in a later post.
3. When we returned home there was all the "get caught up" after vacation stuff to do plus we got ready for a visitor. My cousin is studying to be a veterinarian and she has a class/internship in the area for a couple of weeks. She came on Saturday. I love having another female in the house. I love having another willing pair of hands to help with meal prep and clean up. I love that the boys bathroom smells like a girl instead of three little boys. (I'll leave what their bathroom normally smells like to your imagination.) The boys loved having another "adult" with us when we went swimming and to play endless games of Skipbo. Today was her first full day at her class so we had a few days together before she began class.
4. Yesterday we went and bought blackberries, I didn't have the time to pick them. Now I know where the place is so next year I will know where to go pick strawberries, blueberries, raspberries, and blackberries. I made two batches of jam yesterday. Today I'm working on freezing/making yummy treats out of the rest. We also bought corn and some of the best cantaloupes I have had in a long time.
5. I've had some doctor appointments recently, routine for my thyroid, etc. but going to new doctors after moving always involves more. I'm working on getting my records here for an appointment in September.
6. We got back to school today- one workbook for Lamb 3, handwriting and math for Lamb 2, and math for Lamb 1. We will ease into school this year and get back to all subjects after Labor Day when Lamb 3 begins preschool. Lamb 3 will go to preschool 3 mornings a week this year so we should be able to accomplish more on the days he is at preschool. After Labor Day I'll post what the boys are doing in school this year-I still want to finish a few subjects from last year before I declare that we are beginning a new school year and what we are studying.
There is more that we have done the last few weeks, but this update will have to do until I sit down and blog some more.
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