Well I am only doing federal loans, so I'm not sure what the interest rate on those. My DH says it is better than what we could get with a private loan. He did try and explain it all to me, but he used to be an underwriter. The amont of detail he was going into made me have the deer in the headlights look.
The highest interest rate on my loans was 6.9% Unsubsidized, which means I should have been paying interest the entire life of the loan. It was a bit of a shock after my first year when my interest rate was 1.9% on a Subsidized loan (the government pays interest until graduation). Since then, even my subsidized loans have had higher interest than the first year. It's all very frustrating because its based on my parents' income, and even when 4 of us, including my Mom, were going to school at the same time, I still qualified for the same interest and money.
Becca, I signed up for TGM and have really liked it! I have read lots of little things that make sense that you forget about, or just didn't think of. It's really a good deal I think....waiting now for Disney to release those darn park hours!! I wanted to wait and see his best park times before I do ADRs..but, I may at least do Le Cellier and then see what happens for the rest. I know he has good touring plans... I have looked at some of the sample ones and they are really good.
Yeah...that's my major dilemma. I really want to be able to plan my ADRs for days we'll be near them. The only one I'm planning in the park is Le Cellier though, so it shouldn't be too much of a hassle if the other ones don't coincide with the days I'm planning the parks. We may have to consider a little extra transportation time, but it shouldn't be terrible. Besides, we've already been twice this year, so everything in the parks will be less urgent.
I'm just not sure if I should spend the money, when I'm pretty sure we won't actually go exactly by what the touring people say anyways. I, also, have most of my planning information saved from when my subscription to the UG was still current, so I wouldn't need that much more info.
But ... coffee mugs? Instead of sleeves? They must have some sort of warehouse that they share because the coffee mugs were from another company entirely!!
I've been chatting with some people who have had a similar surgery to me. Go ahead and laugh, but I just found out that I'll have a full long leg brace as I recover. I thought I'd have... I don't know, something smaller? My husband thought I'd have a lower leg cast (since i'll have a broken bone) and I guess I thought I'd have a lower leg brace of some sort. Now I have to figure out what I can wear with that sucker!! Skirts for work will be just fine, but when I'm home recovering... I don't think I have anything that would go over that. I guess I should go check out some cheap athletic stuff at Target?
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That's pretty hilarious about the mugs. I'm glad they fixed the problem quickly.
I had a nice weekend. We started finishing in half of our garage for my day care to have a separate entrance and a kitchenette. It will make my downstairs completely day care- except for the laundry room and it will be nice to have the upstairs just for our family again. Extra little ones sure does wear your house down lots faster. Plus our licensing rules here are strict and I will be very happy to be able to keep my deodorant in my medicine cabinet again
I'm trying to keep my mind off the fact that my baby gets on the school bus for the first time tomorrow
I actually cried coming home from the grocery store today. I bought some things for him to pack for lunch and it made me realize that we'd had lunch together just about every single day since he was born! Silly I know, but this is a big change for me. He could care less- he's bouncing with excitement.
My Mom did day care on and off the whole time I was growing up. It was crazy the kind of rules she had to go by. I understand that its for the safety of the kids, but it was crazy. It was particularly upsetting to us, because my Mom didn't like us going anywhere that the day care kids couldn't go, which included the Rec Room in the basement. (the windows were too small for a fully dressed fireman to crawl through)
I love all the perks that come with having an AP...of course if I didn't have the AP I wouldn't have gone as much as I have the last year and of course with the 3 month extension I will be renewing it come January!!! I love the discounts, I'm hoping with my AP that we will get an amazing deal either the $89/night at a mod or 59/night value in January...I got that deal at Pop last year YAY!!!!
Depending on where we end up, I might be able to convince DH to let me renew. Unfortunately, we never got around to getting him an AP, so if I renewed mine, and we got him one, the times wouldn't overlap entirely.
Sarah- how weird was that!!! ha!!! I wonder what the deal is with men and packing...my hubby is an over packer to the extreme!!! He goes over the weight limit EVERY time!!
My DH is the opposite, but I still don't pack for him. We've both traveled enough recently, though, that we've pretty much got packing down to an art form.
I don't know if it's me being in school, or if the heaven's opened up and performed a miracle on my DH. I was talking Disney math to him, and he not only understood it, but thinks it's a great idea. I said that it made more sense to buy four AP's and then we could go to WDW again before November 2011 and not have to pay for park tickets. Then we could hopefully get good AP rates for both stays on the resort. He said that it made sense and sounded like a good idea.
Haha! I think it's a selective listening thing. I have to explain everything to DH several times before he finally starts to pay attention.
OMG, so I just made my first post to my online class. I read it outloud to my DH to make sure I didn't sound like a complete idiot. After I was done reading it, I looked up to find him giggling. After he dodge the empty 20 ounce Dr. Pepper bottle I threw at his head, he said "you just do it without realizing it don't you." Before I got a chance to throw an almost full 20 ounce Dr. Pepper bottle at his head he said, "you used DIS speak in your post. If you don't change it to normal human English, they won't have a clue won't your saying and will think you're crazy." I went back and looked at what I had written and sure enough I said things like "DH" and "DS".
That's hilarious! I guess it's good you read it aloud to him. Though, I'm sure a lot of the people may have understood what you were talking about.
Hello birdies!
What I have booked - POP, Park Hoppers, Deluxe Dining for me and DD. IF I want AP how do I go about this? Get the AP prior to 45 days out and then remove the parks passes from my booking?
Now the reason the trip is a go ahead no matter what. As you may remember during a meltdown on our Jan 2009 trip DD said to me as we marched through the entry of Epcot " When can we come to disney just you and me? I wish it was just you and me". DD and I were a team for so long, I was a single mom and it was her and I, now it is DD, DH/ DBF/DF(and many other derivitives I am sure), and I. Then with her recent health issues it brings it near and dear to me our bond. I have always said never get between a momma bear and her cub. Today dd had her cardiac ultrasound, being back in the hospital with her , listening to her heart, and even seeing her heart just returned it all to me... as I sat listening to the beats she was able to watch Finding Nemo. I am so proud of her for being so brave through all these tests! After seeing Marlin and Dory and Nemo and the gang we instincively started singing "Together, we swim together..." from the Finding Nemo musical at AK.
So we are definitely going and I am pleased with all my choices, in fact I am quite relaxed about this trip. I can only imagine the memories and traditions she and I will create! Ok time to go find the tissue.
I'm sure your trip will be great!
You can definitely rebook with an AP discount, even before you have an AP. Technically, you cannot actually get an actual AP anywhere other than Disney. They only give you a voucher everywhere else. I even checked at the
Disney Store in the Airport, and they had no idea what I was talking about.
Last night I went with DH while he was working on a landscaping job for one of his co-workers. I even helped a little! It was nice to get outside and get some fresh air. I mostly sat and read while he worked, because it most of the work was too hard for me. It made me realize how much I want a yard!
Also, last night when we got back I opened the windows, so we didn't have to run the A/C and somebody was smoking somewhere in the area, so the whole apartment started filling with the smoke smell.
I thought maybe somebody was smoking on their balcony, but when I went out there, I didn't see anybody. It was really frustrating, because I had to close the window to get the smell to go away. It wouldn't have been a big deal, but cigarette smoke gives me a headache.
I suppose that could happen, even if we had a little house, but its so much more likely in an apartment complex.
I'm really torn about what we should pick when we move. I would love having a little house, but the extra space would most likely increase our utility bill. Also, apartment complexes tend to have more amenities. I know, technically, I'm not even at the point of making a decision, but I want to know exactly what I want before we get to that point, so I don't end up somewhere I hate, just because I didn't pay attention to all the possibilities.
but then again I confuse easily
. I have booked a package on my own through Disney. I was hoping for a code or deal for that time, but if we don't get it - no big deal - we are still going- my heart and mind is set on this. More on this later. However when we discussed 2 trips in 2010, AP made sense, then I realized I might be able to get a AP discount. If I "upgrade" to AP while I am in Disney, my package will be paid for so no discount could be applied- correct? But the AP rate may apply for the Oct 2010 trip. Yikes I think I m more confused.
. My other baby has croup and is relaxing watching Dora 
That's my day in a butshell so far.
