Our apartment is at capacity, our car is at capacity, and our lives are at capacity. It's good to be full!!
Monday, December 08, 2008
Friday, November 21, 2008
Time for Your Annual Credit Checkup!
This week I took advantage of the opportunity to review copies of my credit report from all three credit reporting agencies. Thanks to the Fair and Accurate Credit Transactions (FACT) Act of 2003, consumers can access a free copy of their credit report at each of the three major credit reporting agencies. You can access them online for a full month and can print (and sometimes download) a copy for your records. While you can't get your FICO rating (credit score) for free, the items on your credit report directly affect this score and should be reviewed periodically.
Each time I've looked at my credit reports I've noticed inconsistencies. Sometimes these are minor (like my current employer or an incorrect home address), but sometimes I notice that something major has been recorded incorrectly. This year I noticed that a credit card on my report had a "negative" rating. We have never been late in our payments, so I was immediately suspicious. When I looked into it further, I discovered that the credit card was not ours. The account was for a gasoline company we never purchase from, and the account was opened in 1972 (I was born in 1978)! Through a simple online dispute process I was able to get the account removed from my credit report within a day or two. Because of the FACT Act, I was able to identify and correct these inconsistencies with no personal cost and little hassle.
I can't stress how important it is to check this information regularly! These reports are the basis for our credit scores which in turn can affect our current and future borrowing. Many credit card companies check their customer's credit scores every 6-12 months and adjust rates accordingly.
If you have inaccuracies on your credit report, you could find your rates increasing without just cause. For future borrowing, loan interest rates and loan approvals are heavily influenced by our credit scores. Credit scores are "sticky up" but not down; basically, it takes a lot more effort to raise your credit score than it does to bring it down. Making sure that your credit score is accurate is in your best interest and could save you a lot of time an money both now and in the future. And, it could be the simplest way for you to quickly raise your credit score!
To access your credit reports at each of the three credit reporting bureaus, vist the website www.annualcreditreport.com. (This website is sponsored by the three credit bureaus and the Federal Trade Commission).
For more information about the FACT Act and free annual credit reports check out this article on Wikipedia:
http://en.wikipedia.org/wiki/Free_credit_report
Here are some helpful websites that give a simple explanation of what makes up a credit (FICO) score and the best methods for raising your score:
http://en.wikipedia.org/wiki/Fico_score
http://www.myfico.com/CreditEducation/ImproveYourSCore.aspx
http://www.cbsnews.com/stories/2008/03/23/business/main3960888.shtml
We are still alive
The business center at our leasing building has two computers. 75% of the time we make it over there both computers are being used. As a result, we aren't very inclined to head over unless it is late in the evening. Since this is the best time for Stephanie and I to reconnect since the kids are asleep, our last thought is for one of us to take off to the business center. We're really starting to miss what we had.
Today I decided to quickly post to say that we are still alive and that nothing drastic has happened since Weston joined our family. Schedules have adjusted and sleep is harder to come by, but everyone is healthy and life is good. Since I may not post regularly, feel free to call us on our cell phones:
Ben (703) 216-7604
Steph (703) 389-1520
Tuesday, October 21, 2008
Monday, October 13, 2008
Weston Richard Taylor!
Weston got his name when a friend of ours (Thanks Camille!!) suggested we combine Stephanie's two favorite names Wesley and Afton. (Ben wasn't much of a fan of either of them, unfortunately). Richard is after Stephanie's father who is one of the best men we've both known.
Stephanie brought Weston home from the hostital on Sunday, October 5th, and I took the week off of work to spend time with my family! Coming back to work on Monday was difficult for everyone. We're looking forward to getting to know Weston even better and to introducing him to the rest of the family during the Holidays!
Tuesday, September 30, 2008
[No name] is Three Days Overdue
Monday, September 29, 2008
Still outnumbered 4 to 1
Tuesday, September 23, 2008
4 Days to Go - No Baby
Monday, September 22, 2008
Sunday, September 21, 2008
6 days to go - no baby
Wednesday, September 17, 2008
Measure once, cut twice... wait.
Monday, September 08, 2008
Abbra Caddabra!
What Britta Has Been Up To
Britta, her friends and Avery rockin' out to Hannah Montanna:
Work it Girl!
Wednesday, September 03, 2008
First Day of School!!!
Sunday, August 31, 2008
Quality Control
Friday, August 29, 2008
This Space for Rent
Thursday, August 28, 2008
One Month to Go!!!
Sunday, August 24, 2008
Haste makes waste (Part II)
Today's lesson began before church. Stephanie and I usually have a Family Home Evening planning session on Sunday's right after church; we plan out what we are going to do for our Monday night family time and involve the kids in the planning as well as the execution of our Monday nights. To keep the kids interested we make sure that a snack is part of the planning meeting. Steph had mentioned earlier this morning that she wanted to do something more healthy (than popsicles, animal crackers, or even popcorn) and that homemade bread was what she had in mind. As time before church was getting short I decided I would help out by putting the ingredients in the bread maker.
I grabbed the recipe book for the breadmaker out of the cabinet and started tossing the ingredients into the breadmaker pan. We've followed this recipe so many times that it was almost second nature. Steph noticed I was taking care of the bread and said thanks as I started. When I was done two minutes later she said, "Wow! Are you done already? Did you measure everything out?" Now, it's only because of 7 years of experience together that she would need to ask that question. My response: "Yes. Why do you ask?" Of course I had used measuring cups and spoons! True, some of the ingredients spilled over at times, but I did measure. Mostly. Stephanie wisely replied, "Because I'm worried that the bread won't turn out and then the girls would be disappointed." I asserted that everything would be fine as I used a spatula to push the excess flour down the sides of the pan into the doughy ball the breadmaker was kneading. Seeing me prod the dough Steph exclaimed, "What are you doing?! You're going to ruin it!" I gave her a confident smirk and again asserted that my poking the dough was in no way going to ruin the bread. [While this last bit may have been true, the scientific method wasn't completely followed and this hypothesis will have to be tested at a future date.] I quickly added some more flour as I noticed the dough ball looked a little more sticky than it should.
When we got back from church, it took us a few minutes to get unloaded and settled before I thought to ask Steph from the bedroom how the bread turned out. Catching Steph off guard, she responded, "Oh! Just a second let me check." Seconds later I hear laughter break out in the kitchen. "What? Did it turn out?", I ask somewhat nervously. Surely this must have been a ploy. When I got to the kitchen to check on my creation I was greeted by an odd sight. It looked like the bread had taken a meteorite right in the center and a shield of shrapnel had formed up against the lid of the breadmaker.
Now, while I can't say exactly what cause this formation, my current theory is that a massive gas bubble formed in the middle of the bread dough which burst during baking and collapsed in on itself creating my unique "inverted cone shaped loaf" as Steph called it. The story could stop here, but of course it doesn't. Steph began asking me if there was anything I didn't measure exactly.
Well, I wasn't POSITIVE that I got exactly 1 cup and 2 tablespoons of water; it could have been a little more.
Steph asked if that was all I hadn't measured.
Yeah, that was all. Well, and maybe the honey too. You know how the honey sticks to things. I couldn't get it all of the tablespoon so I guessed that only about half of what I measured made it into the pan, so the second tablespoon was a heaping tablespoon... or possibly two. But that was it.
Steph probed through her laughter if there was anything else I didn't measure.
Come on! Of course I measured everything! (pause). But, then I'm not 100% sure about the butter. It was kind of spread out on the wrapper, but it LOOKED like it was about a tablespoon. Surely a little extra butter couldn't have cause the formation of an inverted cone. But that was it; everything else was measured accurately.
Was I sure? (More laughter)
Yeah. Of course. ...I did use the tablespoon to measure out the salt. I needed 1 1/2 teaspoons which anyone who bakes knows that this is the same as a half tablespoon. I didn't want to dirty another measuring spoon, so I just half-filled the tablespoon. And I guess the powdered milk did come out of the pour spout a little fast and overflowed the tablespoon just a *little*, but that couldn't have caused the bread disaster.
At this point Steph asked me why I told her that the only thing I didn't measure correctly was the water. I decided that this was the point when complete and total honesty was my only option. "I couldn't admit to all that up front; I have an image to maintain!" At this point Steph lost it in a fit of laughter. I can't say I blame her. I'm sure the image I was maintaining wasn't worth much even before this bread fiasco.
So, not only am I a hasty button pusher, I am also a haphazard measurer. But I would like to point out that at this very moment there is not a bit of my inverted cone shaped loaf left to prove that my bread wasn't every bit as tasty as a normal loaf. You know, it's too bad that inverted cone bread loaves didn't catch on. I'm sure they would hold a lot more butter and jam than any regular loaf of bread.
Saturday, August 23, 2008
Mom Saves the Day!!
I called my mom this morning and told her about how I crippled my blog and erased content that was irretrievable. She was happy to report that she just happened to have copied that content last night and sent it in an email to friends! Vwa-lah! Content restored!! I couldn't have done it without my mom! Thanks Mom!
Haste makes waste
I am a button pusher and I pushed the button. It was more than that actually. I committed the cardinal sin in programming/development: I tested a new template on a production instance of the blog! Everyone who does any kind of computer development and testing knows you always use a separate enviroment to test changes before you apply them. That way, if it breaks your environment, you don't loose your data.
Heh.... heh.....
The new third party template I tried to upload was seriously incompatible with blogger and destroyed the blog. My side banner items were erased, and now that I've reloaded the previous template, I have broken links all over the place. Ughhh.... The part that kills me was that before I applied the new template I had the thought that I should copy all of the girls quotes into a blog posting rather than leave them in the side column.
Blogger doesn't have a "help desk"; instead they have frequently asked questions and discussion forums. I couldn't find the question "How do you restore a blog that you've obliterated without having to recreate it?" listed anywhere, and I was too chicken to post that in the chat forum. I realize that I can't hide what I did from my readers, but I'm not going to expand the circle of ridicule un-neccessarily.
Friday, August 22, 2008
the Laundry Room - revisited
Tuesday, August 12, 2008
Photo Tag
Fridge
We just stocked up at Costco, so you may see 3 dozen eggs, 4 quarts of strawberries, too many grape tomatoes, Costco milk, and a huge bag of cheese sticks. No leftovers in our house!
Favorite Room
This is my favorite room for two reasons: (1) it's finished! (2) it's where my sweet girls are at the moment. The bunkbeds were finished a couple of weeks ago, and the bedding sets were provided by my wonderful aunt! Stephanie and I refinished a yard-sale dresser (visible on the right) and we painted the room to bring it all together. It's late and everyone is asleep, so this is the best I can do at the moment.
It's Eden's turn on the top bunk tonight (as it seems to be 75% of the time). Eden rarely gets her head to stay on top of the pillow, and all our kids prefer to layer on blankets than get under their covers. Sweetly asleep.
Britta is like me and is often warm. She likes salsa, tangy food, and savory flavorings. She has the cutest naturaly curly hair and the sweetest, tender heart. Britta is always smiling, and sometimes she just needs some time on her own. Whenever she is grumpy it's usually not too hard to coax a smile from her.
If you are reading this, consider yourself tagged! Don't clean the house first, get out your camara and get real.
7 weeks to baby boy
With Eden, she was going to be Kaitlin up until we were in the hospital for delivery and we were told that Kaitlin was the 2nd most popular name of the year. We didn't name Eden until two days after she was born, right before leaving the hospital. It just kind of came out of the air and really sounded good.
(By the way, I haven't posted pictures of Steph because she has to approve any pictures of her before I can post them, and she typically doesn't blog herself. Just thought I'd put that out there since there were bound to be questions.)
I Think I'm All Caught Up
With this I am calling the blog good (for now). Did I miss anything?
Perfect Park Weather
I took the girl to the park after dinner on Monday before FHE. The playground was PACKED with kids of all ages. The girls and I stayed out for over an hour and just enjoyed the pleasant temperatures.
Avery likes to play tag and go down the slides. Sometimes she just likes to sit and watch the big kids doing their thing.
Eden is trying to learn how to climb the fireman's pole. She's not sure she has the strength, but she's determined that she'll keep practicing.