Insult to Injury

I got my hair cut today. I tend to keep it pretty short and disheveled (maintenance-free, baby!), so I just go to the cheap-o Great Clips place around the corner where I can get it cut for $8 with a coupon. Usually, my once-a-month visit is quiet, quick, and pleasant. Today, though? Lacking the pleasant part.

Now, I've been going grey for quite some time. Around 17 or 18, I started to notice my first grey hair, and it's been getting steadily worse since then. Now, I'm downright salt-and-pepper. I'm generally okay with that, and it's probably helped my career a bit. I've found that if I keep my hair short and maybe put a little gel in it, it's not nearly as noticeable to most folks. It doesn't hurt that I'm also 6'4", so there aren't a whole lot of people getting a good view of the top of my head on a regular basis.

Today though, it was an issue. The stylist (someone I'd never seen before) and I were chatting as she trimmed my flowing locks (ha!); just the general chit-chat that always occurs. Somehow, we got to a point in the conversation where I mentioned that I had just had a milestone birthday this past Sunday. Here's how that conversation went:

Me: "Yeah, I just had a milestone birthday this past Sunday."

Her: "Oooo, let me guess how old you turned...um, forty?"

Me (noticeably peeved, I'm sure): "Yeah, um. Actually, no, I just turned thirty."

Her: "Oh my gosh. I'm really sorry. I didn't mean to..."

Me: "That's okay, I'm starting to get used to...."

Her: "It's just that I saw all that grey hair on the apron and thought....I mean, you're REALLY grey for thirty."


Wow. Gee, thanks, lady. You sure know how to brighten my day.

At least I only paid $8 for the abuse.

YFNN

ING Savings Rate and Other Ramblings

ING, Debt, and Savings

Well, ING Direct dropped their rate for their Orange Savings Account yet again. This time to 1.490% APY (1.50% APR). So, my money is now working a lot less hard for me than it was before.

Still, it’s way better than my brick and mortar bank’s rate (currently 0.05%), and our emergency fund money is safe there, so I’ll keep slowly piling up money there every week.

Also, with savings account rates so low right now, it’s a great time to pay off debt. Do it, do it, do it. Make sure you keep a bit of a cash cushion in savings, but don’t be afraid to pound out some debt right now.

We don’t currently carry any debt (aside from the house), but my student loans used to be at a fixed rate of 3.375% APR. When ING Direct was giving me 4.5% APY on my savings, it made sense to put money into savings, rather than pay off debt. Essentially, we made more money on interest on the savings than we paid in interest on the loan. Now, even with the student loan interest tax deduction, it makes more sense to pay off the loan.

If you’re on the fence about paying off some debt, DO IT. I can’t tell you how calming it feels not to have worry about car payments, credit cards, or other debt.


Insurance Coverage

In other news, we’ve finally completed the finalization of our bills from the hospital for our most recent trip. The hospital charged the insurance company over $16K for my wife and over $4K for the baby, but thankfully we were responsible for much, much less. It was interesting to see just how inflated the charges from the hospital were and how much they'd actually accept from the insurance company. Examples? You betcha.

My wife's stay: $16,757.40. Insurance paid just $4,261.84. I paid $1,065.46. So, basically the hospital wanted almost $17K, but only got a little over $5K. Ridiculous.

The epidural: $3,280. Insurance paid just $880. I paid $220.

Baby's stay: $4,261.84. Insurance paid just $1,032.24. I paid $258.06.

It's crazy to me that the hospitals are willing to write off so much money (and charge so much to begin with). I know the reasoning behind it all, but I don't want to get into it right now. Suffice it to say, the way we handle insurance is stupid (and no, universal healthcare would make it worse, not better). Maybe that'll be another post some day.


Friends and Food

Since the birth of our son, we’ve had loads of people over to visit and especially to bring us food. Before Baby was born, I kind of poo-pooed the idea of everyone bringing food to us, thinking that I’m still more than capable of putting together a meal for us every night. But, I’ll definitely admit that it’s pretty nice having something in the refrigerator or freezer that just needs to be heated. I wouldn’t have believed it before, but it’s a little difficult sometimes to find 30-45 uninterrupted minutes to put together a nutritious meal. We’ve been very fortunate to have such wonderful friends and family, especially ones that can cook!

YFNN

Cops and Sandwiches

Every Wednesday, the guys in my engineering group and I go out for lunch together. We try hard to not discuss work-related things and a tasty lunch is usually punctuated with plenty of laughter and good-hearted insults. It’s a great camaraderie-building event.

Yesterday, we made a trip to one of our more common stops: the Ohio Deli, a local diner-like place that has GREAT sandwiches and soups. The Deli was recently featured on a Travel Channel show called Man vs. Food. The hero of the show travels the country, visiting different establishments that tout extreme eating challenges. The Ohio Deli’s challenge: The Dagwood.

The Dagwood is certainly a sandwich to behold. Named after the comic strip hero Dagwood Bumstead’s colossal sandwiches, the Dagwood is packed with 2-1/2 pounds of three different kinds of deli meat, tomato, lettuce onion, and mayo, all stuffed between a couple of mammoth hunks of sourdough. The platter comes with a heaping pile of the Deli’s delicious fries and a pickle spear. The challenge is to consume the entire platter in less than 30 minutes. According to their photo wall of fame, the current men’s record is 5-1/2 minutes. (!)

When we entered the Ohio Deli yesterday, we were seated next to some city police officers, who were getting ready to order. After some ribbing from his buddies, one of the officers decided to take the Deli’s Dagwood challenge.

When he got his platter, I think he was little shocked. The sandwich was towering over a huge expanse of fries. The waitress casually placed the platter in front of him (using two hands) and noted that he had until 12:10 to finish (30 minutes). To his credit, the cop really gave his all. He was able to finish the sandwich in about 15 minutes, after loosening his gunbelt. He really struggled through the fries and especially the pickle spear, but he finished with just a few ticks of the clock to spare.

H was, of course, heartily congratulated by our table, and the waitress took his picture and gave him his tee-shirt to commemorate his momentous achievement. As his group was getting up from the table, he commented to us that he sure hopes he doesn’t have to chase anybody or do anything strenuous the rest of the day and we certainly agreed.

However, as they were leaving, we looked out the window to our snow-covered streets, and saw a tiny woman in a BMW stuck at the stoplight. She had already exited her car and was desperately trying to shovel the piles of snow out from underneath the front end. Of course, the officers saw her and felt obligated to push her on her way.

While we couldn’t hear exactly what was being said, it was pretty clear that it was hig buddies thought it be absolutely hilarious that the Dagwood champion was quickly voted the guy to push the lady’s car. And push he did. He got her moving, but was he ever green in the face when he was done.

Of course, after such a display of manliness and heroism, two the guys at my table decided that next week they’re going to attempt the Dagwood challenge. I told them that I’ll happily just watch the clock for them and finished my Buffalo Chicken Spinner. I’ll let you know how next week goes.

I'll bet it goes delicious.

YFNN

Advice for 01/15/09

Advice of the Day: Don't sneeze when you've got a mouth full of shredded wheat.

Follow-up advice: If you do sneeze with a mouth full of shredded wheat, don't try to contain it with your hand. It just ends up all over your face, including your eyes, beard and nose.

Follow-up to the follow-up advice: If you do sneeze with a mouth full of shredded wheat, and you do try to contain it with your hand, make sure you check yourself out in a mirror before heading to a meeting. Partially-chewed shredded wheat in your goatee is not professional.

YFNN

My Best Advice for 2009

Speaking of stairs, you know how walking down the stairs is kind of just something you do and not something you have to actually think about; like breathing? Have you ever thought about it while you're descending the staircase? Well, don't. Once you start picturing left foot, right foot, next step; it will jack you up bad. Wicked bad. And you look pretty dumb when it becomes obvious you've forgotten how to walk down stairs.

Not that I would know anything about that.

YFNN