Wednesday, December 30, 2009
Bring on the organizational ninjas
Saturday, December 19, 2009
Christmas Food
Friday, December 11, 2009
Happy (Belated) St Nick
Christmas fun
Even more catch up
Catch Up
Saturday, December 5, 2009
excused absence
Thursday, November 12, 2009
Parent/Teacher conferences
Ramblings...
-Ava counted to 13
-Lily counted to 20
-When Ava was asked to identify colors she did, in Spanish at first, then switched to English
-Lily prefers to play alone but plays well in any setting
-Neither girl knew what an ellipse was, Daddy will change that tonight mark my words. (We taught them oval)
-The girls play well together or apart, and it makes no difference to them
-Apparently Austin has broadened his horizons and Ava isn't the only chick on the block.
-I need to give them scissors.
Friday, November 6, 2009
Hello, my name is... (the Lily edition)
Hello, my name is... (the Ava edition)
Wednesday, November 4, 2009
Ugliest shirt ever
Monday, November 2, 2009
Christmas Ideas
Thursday, October 29, 2009
Jewelry? Already?
Wednesday, October 28, 2009
Oink
Tuesday, October 13, 2009
the thesis of DOOM
TAX-COGNIZANT DISCOUNTED CASH FLOW VALUATION MODEL USING FINANCING AND RISK ELEMENTS: A RETAIL REAL ESTATE INVESTMENT APPROACH
ABSTRACT
An investigation of current real estate investment (REI) discounted cash flow (DCF) models and their applicability to the individual investor in small income properties exposed: a lack of relevancy to the sole proprietor, marginal applicability to analyzing the asset, and a number of inherent shortfalls in modeling cash flows. This paper constructs a tax-cognizant DCF valuation model that addresses financing structure and risk elements while overcoming classical DCF model shortfalls through determination of a minimum holding period, the mitigation of a hypersensitive terminal value, the elimination of circular logic in the discount rate, and the characterization of vacancy risk.
The paper consists of two hypotheses that substantiate the value of a tailored model. First, modeling and simulation of income property vacancy characteristics allows a more accurate assessment of a property’s after-tax cash flows and net present value by recognizing tax implications that would otherwise erroneously price profitability. Second, taxes influence investors in relatively higher tax brackets to seek both longer loan terms and longer minimum holding periods for a positive net present value (NPV); realized through both tax sheltered income and equity appreciation at the long-term capital gains rate. Evaluation of these hypotheses by comparing the classic DCF model to the tailored model yielded the following noteworthy findings. First, modeling and simulation of vacancy frequency and durations derived from market statistics produces a more pessimistic assessment of income. Second, longer rather than shorter term loans have superior value through accumulation of more tax sheltering loan interest early and in greater amounts. Third, investors in relatively higher income tax brackets enjoy greater NPV on their investments due to tax sheltering at the marginal income tax rate and asset disposition at the depreciation recapture and long-term capital gains rates. Fourth, contrary to the initial hypothesis, higher-taxed investors reach a break-even holding period sooner than investors in lower income tax brackets.
my new favorite thing
Thursday, October 1, 2009
here we go
Wednesday, September 16, 2009
color my world
Sunday, September 6, 2009
I might have a problem
Thursday, September 3, 2009
looking forward
Friday, August 28, 2009
Is it too early
Thursday, August 20, 2009
fragments
Friday, August 14, 2009
what a difference a day makes
Thursday, August 13, 2009
this is really hard
Tuesday, August 11, 2009
they call him the million dollar hound
Monday, August 10, 2009
sick hound
Wednesday, August 5, 2009
throw it all out
Monday, August 3, 2009
pittsburgh
Sunday, July 26, 2009
unfair advantage
Friday, July 24, 2009
are these ugly?
Wednesday, July 22, 2009
new dress
Tuesday, July 21, 2009
Random
Wednesday, July 15, 2009
# 9 and # 12
Monday, July 13, 2009
for the next decade
Friday, July 10, 2009
take two
You'll have to fight over this bunch ladies, it's a grab bag.
Boy:
Aricin
Silas (let it be known that if I ever have a boy at some point in the future his name will be Silas Aricin and I don't care if you named your kid that or not)
Malcolm
Abraham
Gregory
Jonah
Isaiah
Malachi
Elias
Lang (means tall man)
Keegan (Unisex)
Tarin (Unisex)
Kale
Charlie
Hudson
Sawyer
Bryce
Carson
Reiley
Warren
Logan
Talis
Girl:
Amelia
Phoebe
Celia
Helena
Isodore (nn Issy)
Caledonia (nn Callie)
Beatrice
Stella
Rebekah
Eve
Delilah
Amelie
Josephine
Alta (means tall and lofty)
Brooke
Inna (means strong water) helps with the drowning inutero
Darcy
Matilda
Camile
Elsa/Elsie
Astrid
Carys
Sylvie
Arabella
Thursday, July 9, 2009
my name recommendations for the three amigos
Theresa:
Collin
Carter
Cole
Caleb
Callum
Caden
Mason
Mader ---Kyle's first choice I'm sure
Noah
Ian
Aaron
Anne:
Boy-
Strider
Griffin
Owen
Chase
Hayden
Finn (as in Finished, lol)
Grady
Holden
Garrett
Girl-
Sydney
Madeline
Adeline
Ainsley
Jillian
Annabelle
Gabrielle
Chastity ...ok, maybe not
Opal
Julia
Kate: I remember you have a Henry and a Sarah but for the life of me can't remember the other one...
Boy-
James
William
Oliver
Noah
Adam
Miles
Oscar
Owen
Ethan
Ian
Girl-
Claire
Eleanor
Meghan
Chloe
Emma
Kyla
Tess (means fourth)
Anna
Mabel
Wednesday, July 8, 2009
well I wasn't ready for that and fireworks
Sunday morning Theresa called to tell me that her husband was annoying her and she needed to escape for a while. Like any good friend with in laws visiting I said I would love to go with her. She picked me up at 12:30 and we had a nice lunch at Panera and a good shopping excursion to Marshals and Target.
She dropped me off and as I opened the side door of the house I was completely surprised by all of my friends and neighbors and a 30th birthday party. I seriously had no clue and was in shock. It was great. We ate some great food and cake and played cornhole, Barbara and I are undefeated by the way.
Then I saw the invitation my husband sent out. Oh My God that guy is crazy organized! He had rules and regulations a page long. He put the fear of God into people! I guess that's a good quality for a program manager to have.
I can honestly say that was the best Birthday party I have ever had. Now I just have to actually turn 30, lol.
Sunday, June 28, 2009
help with a translation
A: Why do we brush teeth?
D: To keep our teeth healthy and our breath smelling good.
A: I don't like you ice cream butt, Daddy.
D: (WTF?) Be quiet.
Your guess is as good as mine.
Saturday, June 27, 2009
good friends, good food, and scategories
TP also delivered a special package from Anne; tri colored orzo pasta. How great is it that someone I have only met one time IRL thought about me and my need to find another supplier of specialty pasta? Amazing!
Coincidentally I made my orzo for dinner along with chicken on a stick (minus the stick - too lazy), london broil, and a hella lotta fruit. TP and KP brought some very yummy sides and an apple pie that we ate with a three year old sharp cheddar. I think everyone was pleasantly stuffed.
After a little digging I was able to find the pasta people I used to get my orzo from in CO at the farmer's market. Surprise, surprise they now have an online store!
Be advised, it's expensive and good. Proceed with caution.
http://www.pappardellesonline.com/servlet/Search?category=Dried+Flavored+Orzo+Pasta
Some of our faves are...
-Dark chocolate pasta combined with spicy thai noodles served with the thai peanut sauce. Worth every penny, not even kidding.
-Autumn harvest orzo (Chestnut, sage, and pumpkin)
-Portabella mushroom ravioli with sherry, garlic, and onion
Wednesday, June 24, 2009
those eyes!
girls just wanna have fun
Soon all the girls were in on it and we all ended up with fancy fingers and toes. Lily is blowing on her toes to get them to dry, in case you're wondering.
Then when Daddy got home he took us all out to eat at Applebees cause we were so fancy. Okay, so maybe it had more to do with the fact that I said I didn't want to cook, but still it was cute.
Thursday, June 11, 2009
sad news
Understandably she is heartbroken. To make it worse, she is in California on vacation with the kids and her husband is back home in Australia. He will be joining them soon, but for now she is dealing with all of this on her own. It's times like these that I wish I had unlimited resources and could just jet off to be with her and stay as long as she needed me. Unfortunately that isn't the case so all I can do is listen when she is ready to talk and keep her in my prayers.
If we were both back in CO there would be a lot of alcohol, chocolate, and hugging. There would be a constant delivery of casseroles and brownies and wine. There would be lots of free babysitting and kid sleepovers and eventually retail therapy of some sort.
Since we are apart and I'm in WI this week the ladies and I made a little pilgrimage to Holy Hill in honor of my friend J and her angel baby. I cried like an idiot in the beautiful church and said several prayers for my friend.
J, I'm here for you when you need me and I'm sorry for your loss.
Tuesday, June 9, 2009
I'm baaaack
On the agenda this trip...
-Attend cousins grad party in MN on Saturday
-Hold my new baby niece as much as her mother will let me
-Go to Johns Root Beer with the ladies
-Dinner with the IL's
-Visit my grandmother even though she will probably not know who the hell I am
-Go to Holy Hill if weather permits
-Pick up Jer's niece and return to the wonderful state of Ohio, possibly with pie.
Thursday, June 4, 2009
Wednesday, June 3, 2009
food boredom defeated
Dinner tonight will be Salisbury steak, mashed potatoes, corn, and onion parm dinner rolls.
In Other News:
-Tomorrow night our friends will be here. My house is not clean. My laundry is done however, so that's something.
-My bathroom is still not painted and every time I try to make myself do it I just can't. You'd think I'd be so excited to be done with the darn thing. And I am don't get me wrong, but it's just so hard to paint something that's new and perfect. I don't want to screw it up.
-You can add another friend to my long list of good friends who are pregnant while I'm not. It's a secret so I won't name names but she doesn't live in Ohio and wasn't at GW. I am thrilled for her (and all of my other friends) but sad for us. Anybody who has dealt with infertility knows how horrible it is to not have control over your reproduction. I am happy I have my girls. I know not every couple who is infertile gets to realize their dream of having a child. But it still stings.
-Ok, when I said my laundry was done I just meant that it's clean and folded, not put away.