Laser Lipo - Day One

Belated bday gift was suppose to be the Samsung Galaxy S3, but since AT&T only has 16GB I decided to go with option 2, removing the love handles!

I've lost weight, lifted weights, run pretty well but could not target getting rid of these bad boys.  So I looked into laser lipo.  It's a surgery that doesn't put me to sleep (big bonus) and the pain was relatively small.  The first 24hours consists of a lot of drainage.  I didn't need to use the dog training pads in bed, but I've gone through a lot of super absorbent maxi pads (and learning how to use them LOL).  I will have a mid post (3week) and final post 6 weeks from now.   There will be no alcohol with the exception of halloweeen.

If the results are awesome I will support the lipo center I went to (which I will advertise later on).

Cheers!

Ewww I don't like this new blog look -- ReFi $$$

Alright I know it's been a minute but I felt like righting something about finances without posting it on facebook, yet I feel it should be posted.

I'm so tight with money and numbers, yet I spend frivolously on Amazon.  This write-up is more so about making your money work for you....

Housing

When you move/live somewhere you have a financial decision to make.  Buy or Rent.  How many years will you live in the area?  If it's a military assignment for three years, is it worth the money to buy and fly?  One year I wouldn't advice unless there is a chance you'd like to fix-up and sale or invest as a rental since interest rates are sooo low you'd take the chance of a vacancy at 5.5% CAP.

So if you rent, good for you. You have your reasons.  This write-up is for owners and if you're prior military then def keep reading on.

I got out of the Army as an E-1/PVT.  Something about unsatisfactory performance and disrespecting NCOs.  I know! Can you imagine!?!  Moi!  A smart mouth?!  With little respect for morons!  It's quite shocking and if you know me well enough you can read the facial expressions on my face.  Anyways I got out with full benefits minus the bloody MGIB (education money - those fkcers).  Sashayed away, cried on a bed of contractor cash in Kuwait and of course loved supporting the Army and having the officers and senior NCOs come to me for guidance (See how we all would've got along had you recognized royalty from the getco?!?).  I digress...I got out, applied for unemployment right away (which wasn't far off from an E-1s pay lol), had my dad fill out my paperwork for VA Disability and was granted 10% for tinitus, still battling for my legs (up me to 40% please).

Why is it important to file for disability homebuyers/refinancers?  That's right!  DISABLED VETS PAY NO FUNDING FEE!  (let that marinade and if you don't know what that's worth think around $10k).  I've refinanced 3 or 4 times.  I can't keep track....My loan started at 5% and is now down to 3.25%.

I've lived in my house three years and am back at the 30year start...but the difference is over $300 a month in savings, loan still lower than I started and this loan actually gave me around $5000 in my pocket!  That's right!  I didn't come out of pocket, I made bank and still lowered my payments.

I live in a real nice townhouse and pay about $1612 a month.  2BR apartments cost more than this, plus at the end of the year, albeit small (3.25%) I will write off the interest I paid on taxes.  Will I stay here forever? No, the plan is to move down to San Diego in 5-10 years and keep this place as a rental.  $1950 minus management fee (10%) will pocket me about $100 p/mo, build equity and still take that tax writeoff.  Negative side - when a tenant moves out ur at 100% vacancy.  That sucks, makes me miss the 4plex days.

I love numbers and if any of you guys need a hand, I have a fantastic spreadsheet where you can fill in the blanks of all your numbers & goals.

Happy belated Bday Reese and Interesting article

First off, HAPPY BDAY MAMACITA SENORITA!  My lil Reese is two!  She turned two on the 6th of June, but we celebrated yesterday due to daddy's work schedule being hectic!



I read this article and of course it got me thinking of how people judge themselves...I'm the hardest on myself when it comes to my sides.  Before 2006 it was the gynocomastia (tits) but I had that removed for my 25th bday (hated them)...and now it's my sides.  It's always going to be something, isn't it?  So I thought...toyed with the idea of $1400, nuke'm out and move on with life...but that's the easy way out.

Why not keep the sides and challenge my mind to focus on the positive aspects?  I like my face/facial features, my mind and how I get things accomplished (I believe Marlon pointed this out as manipulation...yes I can see how one would come to that conclusion quite easily but really it's just me trying to get you to where you need to be and I haven't got all fuckin life for you to have an epiphany!  So for those that undergo this, you're welcome!), and my life.  Now granted the lifestyle I wouldn't mind having someone who drives me crazy share it with me, but I'm pretty settled in my house to where if I found someone I'd have to leave this awesome place behind (not yet..that's years down the road) so that if I ever did make the move there would be some of my stuff and some of his.  The dining room is non-negotiable.  I can part with the bedroom set and some of the media room (nooooo not all of it!  I'm a geek and will have the electronics portion setup).

So I'm gonna go workout and focus on the positive.  Inspiring article!

One side I could really work on is not being short with others...I mean no offense human race, but most of you guys drive me fucking insane!  Is it too much to ask for a good mind and body?  Am I reaching for the stars?  No, not really.

Survivor application submitted!  Photo & Movie attached....vote for this undercover villain! haha! Tell CBS ta vote for "Dirty" :-)

A group of 5!  This reminds me of BSB & N*SYNC!  Congrats kids - love this song...wanna hear more!  I'm playing it before I start my studies off!  I'm gonna hafta hear ur other songs.  Great vocals...which one will hafta overcome their first drug addiction?  I'm goin with Curly *_^

Other bombass song (but not uplifting but enuf ta make me flip my hair) call me maybe:

Hey I just met you!  And this is crazy!  But here's my numbers....so call me maybe!  It's sooo catchy and a one-year hit wonder...at least this summer with the top down imma pull my 25 y/o hot sexy look off!  Hair will be dyed red/pink!

Ok ok...study time B-)

http://www.cnn.com/video/?hpt=hp_c3#/video/us/2012/05/08/dnt-teen-kills-herself-after-bullying.kare I hated being bullied and not sticking up for myself. Scary to see how social media/cell phones just effect kids today. I wonder what's next after social media...I feel like when I'm 80 I'll say yeah back in my days kids would pass notes, or write on bathroom walls...then it became passing txts and writing on facebook walls and now it's hacking public g-boards and writing on cyberwalks Sure hope parents talk to their kids..and if they're not being bullied, make sure their kids aren't on the other side of the fence.

Ahhh day so day two of no facebook...removed the app from the phone and bookmark from my system.  I definitely had some articles I wanted to post on the wall:
http://www.cnn.com/2012/05/07/tech/nevada-driveless-car/index.html?hpt=hp_bn11

Google would have a driverless car!  OMG!  I'm just thinking about a safer way for intoxicated drivers to get home safer....Surely the MAD group would have to agree...*adios u trashy taxi drivers*

http://www.cnn.com/2012/05/03/tech/gaming-gadgets/xbox-kinect-bundle/index.html?hpt=hp_bn11
Microsoft to offer Kinect for $99 (includes xbox 360 but service plan of 2-year live for $15 a month).  That's totally within budget and I get to see what's the latest and greatest online!  Score!  Can't wait to see when this happens :-)

That's all that's on my brain right now...oh and my cubeMate is driving me f'n nuts!!!!!