Economic Blues

I'm sure you have been following the implosion of the U.S. banking industry. I have been trying to avoid all the news but, I'll have to admit, it is quite difficult to dodge at this point.

First, the plunge of the housing market touching off the mortgage crisis. The mortgage crisis has made the banks sink. In the last few weeks it has been one financial institution after another, then last week one of my favorite banks, Washington Mutual, put itself up for auction and was purchased by JP Morgan. I just hope that Washington Mutual under the wings of JP Morgan will keep its corny, yet intimate, personality. I guess I am just happy that they have survived!

Now, I awake this morning to the news that there has been a Wachovia buyout. Apparently CitiGroup has bailed Wachovia out and will acquire all its banking assets and will take on $42 billion in debt with the FDIC covering any additional losses. As details of the Wachovia takeover surfaced, the stock dropped from a close of $10 per share on Friday to $0.94 today, or a 90% drop in stock price.

I have to say that I try hard to not follow finances or the markets, although some times I cannot help myself and this is one of those times. I know that the government is all over this and I hope for announcement of a solid bailout plan soon so we can all get back to business as usual.

Happy Monday!

Insurance Lately

We have been dealing with a frustrating insurance situation lately that is forcing us to reevaluate all of our insurance needs, including auto insurance. Here's the low down.

We had some building damage to our structure, enough that caused us to notify our insurance company. The carrier sent the adjuster out to our place and he was genuinely nice. He requested that we submit quotes for repair as well as the actual bills as we received them and he would pay us as we completed the various repairs. Now, what we had was water damage so there were several layers to the repair, including taking out wet carpeting and flooring, drying everything out, then starting the replacement process. Well, we are now done with the process and have not yet seen one check! The adjuster keeps explaining that he has not received any of the various copies of each bill that we submitted, it has been a frustrating process. So frustrating, in fact, that we have started looking for and pricing new insurance, not just for our property but for everything, including looking for the best pricing for our auto insurance coverage.

As I was starting the process to change insurance I came across this site that allows you to easily compare insurance pricing, it is quick and easy. I completed the entire process in minutes and received a quote in my inbox instantaneously. Now, that is no fuss, no muss service!

So, as we continue to wait for a response from our current carrier, I will forge on pursuing a new carrier.

Jet Blue Snafu



When I last flew back East I flew Jet Blue because they fly direct to Boston from a location nearer my home than many other airlines. Oh, and, the price was right! So, on my way to Boston my flight was delayed three hours. We waited on the runway while other planes were taking off due to "weather." I'll give it to the pilot though, he came out of the cockpit to make the announcement of the delay and said, "You know it's never good news when the pilot comes out of the cockpit to make an announcement." I am not a good passenger when it comes to "weather", I don't get sick, just nervous, the kind of nervous that a glass of wine or a few, depending on the amount of "weather," will do the trick. I braced myself the entire trip expecting the plane to start bouncing around like a ping pong ball in a wind tunnel. And, lucky for me, the flight was smooth sailing all the way cross country.
After my stay in Boston I flew through New York to visit with my sister and her husband for a few hours on my way home. My flight out of Boston was at 6:00 am. The flight actually left Boston at 9:00 am and I arrived into JFK around 10:00 am. That significantly cut into my visiting time but I was just happy to get a few hours to see them and chat. Because of the delays in the morning flight I continued to check on the status of my outbound flight from JFK home. There was no hint of delay on Jet Blue's website or by using the phone service. So, although the visit with my sister and her husband were short, I climbed back into a car and headed back to the airport for my flight home.

On the way to the airport I found myself grateful that the driver knew the way to the airport like the back of his hand because it began raining so hard that I could not see beyond the inside of the car. I thought to myself, "Uh oh!" We arrived at the airport and I piled out of the car with my carry on bag (having already checked my luggage through to home so I would not have to deal with claiming and rechecking it). I trudged through the terminal checking the monitors at each interval along the way and each monitor showed my flight as "On Time."

Since Jet Blue is building a new terminal the temporary terminal that my flight would depart from was a bus ride away. I boarded the bus at the end of one terminal and proceeded up the ramp at the temporary terminal. When I entered the temporary terminal a pit formed in my stomach as I noticed how many people were crammed into the small space and, further, the wave of people lined up six deep and across the terminal in front of the customer service counter.

I proceeded to my gate and queried the gate agent about our flight. He said it would be on time and no less than two minutes later they pushed back the departure time for our flight, now it would be leaving one and one-half hours late. As I sat at the gate I heard many a person discussing how their flight was cancelled. I telephoned my sister and gave her a heads up that the prospects of me getting out on a flight did not look good. She said she and her husband were checking the Internet and the online information still showed my flight departing on time. I was quick to tell her that the on line information was clearly incorrect.

As I waited flight after flight cancelled, those seated around me and I took turns approaching the gate agent to ask about the status of our flight. The gate agent all but assured us that the flight would leave that evening. As it got later and later and the gate changed several times, I phoned my sister and told her that although all information we had showed our flight leaving, I was not at all confident. I was sitting close to the gate agent when the manager came over and quietly told the agent that our flight would be cancelled. As soon as I over heard the conversation I phoned my sister in a complete panic and asked her to book me on the first flight out in the morning, not caring which airline. She booked me onto Virgin America, can you say "AHHH!"

The terminal was complete chaos and the gate agents clearly wanted us out. They instructed everyone not to stand in line at customer service but to call Jet Blue's 800 number and wait over one hour on the line to have the opportunity to speak to an agent. The gate agent also instructed us to proceed to baggage claim to claim our baggage. As I was waiting to settle up with my sister on the telephone I heard people saying that they were told that the earliest they would get out of JFK would be three or four days! Well, that was just not feasible for me because I have two small children at home who were missing their mommy. Now, in my pre children days, I would have been dancing to celebrate a longer stay in the Big Apple.

I followed the instructions to proceed to baggage claim where everyone from every Jet Blue flight for the entire day was congregated and the baggage staff were locked in the customer service office with the door closed like we would not notice they were in there. Every so often one of the customer service personnel would appear and tell everyone to form one line and they would not help anyone until everyone was on line. Then they would retreat back into their glass enclosure. First they would announce that luggage for certain flights would be loaded onto the carousels then they would tell us that we could claim out luggage at our destination. The crowd was understandable becoming agitated and beginning to get a little unruly. Before I was caught in a situation that I needn't find myself I left to go back to my sisters place figuring that my luggage would find me eventually.

I went back to my sister and her husband's place because they were gracious enough to host me for the evening, we ate dinner and had a glass of wine (not necessarily in that order). The next morning, early, I headed back to JFK for my flight home. I arrived home in one piece and my luggage followed me five days later.

I was so disturbed by the entire experience that I waited until a couple days ago, several weeks after the incident, to call Jet Blue customer service and request a refund. When I phoned, the agent told me she would have to "check with her supervisor" to see if they could issue me a refund or if I would receive credit that I had to use within a year for another Jet Blue flight. I was not impressed! I explained to the agent that I understood she needed to get authorization but that in the case that they decided not to issue a refund I would be contacting my credit card company to be reimbursed for the services I did not receive. When the "nice" agent returned to my line she said they would credit my Visa for the full cost of the flight.
What a snafu!

I did not Realize

I have been enjoying myself, my children, my husband, and my time off from work over the last week or so and in doing so I neglected my blogs. I'm not sure how that snuck away from me but it did! However, I am back now and will resume my regular posting, so look for me starting tomorrow.

Mars and Venus?

This is an amazingly accurate website that shows that astrological signs predict parenting behavior. I plugged in my astrological sign and my husband's too and amazingly the outcome was spot on! Check if out, it's pretty cool and then let us know what you think of its accuracy.

Commuter Chaos

I was so angry last week I could not even put my frustration into words. Here's what happened: I boarded the local commuter train at 7:30 AM to ride the 30 or so minutes to my office. Well, my 30 minute commute became an almost three hour nightmare!

You see, the area in which I live has okay transit but when visiting a city like New York you get really spoiled at how the transit can take you where ever you want to go either within or outside the City limits. Here, there is really only one convenient way to travel and two not so convenient and almost tricky ways to travel. And when the main route is balled up (which seems to be happening more often as the system ages) there is no hope.

Apparently someone thought it was a good idea to check on the track switching in the middle of the morning rush hour. Of course, the tracks switched but no one could switch them back. And the racks are located on a main artery of the commute. They ended up having to force the tracks back into alignment and then bolting them in place. What a disaster!

Meanwhile, the train I boarded was re-routed from a destination of downtown to a destination of a suburb the complete opposite of the direction I came from. Then re-routed again, then again before I finally disembarked with the umpteen thousand others to try and get on the right train. The problem: no one, not even the train attendants, knew which trains were going where. All the while the platforms were filling with potential passengers with no trains to board.

I finally boarded a train that announced it was going downtown and once boarded with the others packed in like sardines the train attendant announces that she *thinks* we are going downtown but after several stops she will let us know for sure. Well, as it turns out, we did end up downtown without having to transfer to another train, again. And three hours later I arrive at work just in time to jump onto my first conference call of the day.

These kinds of commutes make me wonder why I commute...

FroYo



I love frozen yogurt. As a matter of fact, I sometimes have frozen yogurt for lunch, I know, that's not great but it works for me occassionally. But instead of spending my money on the inflated prices of frozen yogurt I have recently discovered a new way to eat store bought yogurt. I put it in the freezer a couple hours before I want to eat it and then stir it up and it is the perfect frozen consistentcy. My favorite right now is Trader Joe's Greek Style Nonfat Yogurt, it is so rich and creamy and not too sweet, YUM!

Are you working for Scrooge?

I find I have always been interested in how actual employees feel about where they work. Of course, the place I work is wonderful but I often wonder what others think. I found this website, JobVent, where you can look up your employer or any other employer and see what the employees have to say about their work situation. You can also leave a comment and score your employer or a past employer.

It also is probably a good place to look if you are thinking about taking a job with a specific company, it may give you some insight into what goes on behind the company logo. I always want to go into a new venture fully prepared and the information found here may be a piece of the puzzle that I may not otherwise have.

Here Today, Gone TomoWii

Last night in the night my son woke me up after my being aware of him coming into my room several times. When he finally woke me up to tell me his tummy hurt I was really awake. So awake, in fact, that I could not go back to sleep. I tossed and turned for a bit then I got up and took a little walk around the house, gave each of the children a little kiss, poured myself a glass of water, climbed back in bed, and counted sheep forever.

This morning when the radio blared telling me it was time to get up I had the hardest time. Even though my eyes and my body resisted I pulled myself out of bed and got ready for the work day. My son came in as I was starting to put my makeup on and said his tummy still hurt. I felt his forehead and he felt a touch warm so I said he could crawl back in bed. I was happy to stay home with him because I thought I could also catch a few winks.

I got my daughter up and we all piled into the car to drive her to school, all the while my son complaining that he did not feel good and wanted to go back to bed. So we came home, I tucked him in and I collapsed into bed myself. In no less than an hour my son is standing by my bedside whining that he cannot stop thinking about his new Wii. Can you see my face?

So all day he has been in and out of bed. Oh, because the rule is that if you are sick enough to stay home from school, then you are too sick to play and watch television, or even play Wii which is only allowed on weekends anyway! So now I sit here home from work (don't get me wrong I'm okay with that) with a child who probably should have gone to school and is asking me every few minutes if he can watch television now.

Next time I think I'll let my husband stay home.

Skeletons in the Closet?

I'm not sure how this happens to me but once every couple of months I need to take most everything out of my clothes closet and reorganize. The last couple of months I rotated everything I wear into the dry cleaners and when I picked it up I would hang the clothes in the plastic in my closet. After a few trips my closet looked like it was wrapped in plastic and every time you would open the door to the closet you heard that unmistakable brush of all the plastic. I realized that when I had more clothes in my closet but "nothing to wear" the only clothes I had hanging and accessible to me were the clothes I do not care for any longer so it was time to clean out the closet.

I took all the bagged clothing out of my closet and piled it on my bed. Most everything else in my closet I cataloged to donate to the Goodwill or Salvation Army. As I opened each bag of clothes I transferred the clothing to nice hangers and hung everything in color scheme order so as to find everything.Now each category of clothing (long sleeve shirts, short sleeve shirts, pants, skirts, etc.) looks like this:



Now that my closet is cleaned out I have some room to integrate my new clothes I will buy for fall. Did I ever say I'm a shopaholic?