We're MLS Listed!

We're selling our house! Want to buy it? Updated link

No time for a real update, too much to clean and huge deadline at work is looming. I've been working my tail off and still feel like I'm spinning my wheels. Vacation will be much appreciated.

Thoughts on antibiotics, hummus, picanha, and sushi

Since my last update:

• I got sick. I had a bladder infection. Hurray for pharmacies that let you walk in and buy antibiotics. The pharmacist was even able to give me a shot so I was feeling better within hours.
• We switched back to day shift. The transition wasn't as rough as I'd feared.
• My first kindle book completed was 20,000 leagues under the sea. Did you know that refers to distance, not depth? Anyway, it's really rather dry, so I wouldn't recommend it for most people. The book's about 1/3 a cataloging of undersea species, 1/3 nautical history lessons, and 1/3 adventure.
• One of the Fins showed us a Lebanese restaurant in Tres Lagoas! Why could we not have found out about that 2 months ago?! Hurray for hummus!
• We went to the churrascaria one last time when Billy had a day off.
• We went to the Picanha Bar one last time - it was absolutely fantastic that night. Glad Alex could come out and share a bottle of wine with us even if no one else came.
• Said goodbye to Titina and Aaron. I do so hope we'll see them again! Not sure if it's more likely to happen by visiting their house in Atlanta or running into each other on the road again.
• We finally left Tres Lagoas. Our maid was so sad to see us leave. (Seriously, she looked like she was going to cry - she's such a sweetie!) I'll miss her too even though we were almost entirely unable to communicate.
• We had a great dinner at the fancy restaurant in the Sao Paulo airport. I highly recommend hitting them up for the dessert buffet! It's in the steak & sushi place at the far left end of the 2nd floor. Yum!
• Flew 'home' to Porto Seguro. Yes, we're back in the Brisa da Praia. No we couldn't get our old room - we had to settle for the one next door :P
• Trying to hit up all our favorite old restaurants is difficult with so few days in town. First night I feasted on sushi at the Japanese place by the ferry. Second night we went out for 'gnocchi on the 29th' at the place we were introduced to it. We had a terrible time finding the restaurant but it was worth it. We'd almost forgotten what it was like to have proper 'service' in a restaurant!

Tonight's our last dinner here. I'm hoping to convince Billy to go out for Italian. But he'll probably want his favorite chicken and catipury pizza one last time.

Tomorrow we leave in the afternoon for Sao Paulo. Our chances of making it are about 50-50. I hear the connect we have to take from Salvador gets canceled a lot (they send you to a hotel if they do). Good thing we don't fly out on Air France until Sunday afternoon!

I've been very busy working - I maxed out at 50 hours last week - in a desperate attempt to stay on track with my big project for oDesk. It's going pretty well (the content is great) but there's just so many pages to write! Apologies for not writing more here because I'm writing so much there...

Time to Get Away

Yes, I have my Kindle. But I'll have to talk about its awesomeness another day.

I think Delta must be hurting for money. I keep getting emails from them (I'm on the newsletter list) with all kinds of crazy deals. And a couple really caught my eye. For example, now until June 15 you can get up to triple medallion qualifying miles just for flying in the higher fair classes. Take a few good long trips, and you'll be at Platinum in no time. These bonus miles only count towards you status level, you can't redeem them for free flights. The other was for up to 50,000 bonus miles for flying round trip to the UK. These bonus miles don't count towards you status level, they can only be used for free flights.

And there's nothing stopping you from taking both deals at once - so we're flying to the UK! We dropped our plans for a big Europe by rail trip in favor of trying to clean up and sell the house. But a 2 week vacation would be awesome. We've got our tickets booked, but no other plans yet.

Even better, we're squeezing some very cool free flights (and more miles) out of Billy's company. Instead of flying Sao Paulo (GRU) to New York (JFK), we flying to London (LHR). It was cheaper, so they don't mind. And that lets us book a round trip LHR-JFK-LHR and then fly home from the vacation Dublin (DUB) to Albany (ALB) (through JFK). The weirdest part is, booking GRU to LHR plus DUB to ALB is cheaper than booking GRU to LHR alone. So we won't have to buy that leg of the journey. Crazy stuff.

The itinerary:

• May 3 : GRU to LHR (on Air France with a half day layover in Paris)
• May 4 : Visit with our friend Oz in London for a couple days.
• May 6 : LHR to JFK (on Delta, business class)
• May 20 : ALB to HSV (on Delta, but the flight's too cheap for bonus points)
• Go townhouse-hunting in Huntsville. Hoping to put in an offer on something - I'm still working this week
• May 26 : HSV to ALB (on Delta, again too cheap for bonus)
• May 31 : JFK to LHR (on Delta, business class)
• June 14 : DUB to ALB (on Air France operated by Delta - we may or may not get some bonus points for this leg)

Other than trying to hit up as much of the British Isles as possible in two weeks, we have no set plans for the trip. We'll gladly accept suggestions!

Now all I have to do is complete my giant project work before the end of May. A vacation sounds like a good motivator!

What's the point of going to the club anyway?

I'm not sure how going to a club usually works in the US - I've never been to one - but it's sure an elaborate process here in Brazil!

1. Stand in line. At about midnight.
2. Get past bouncer(s) there's usually 1-3 in a cluster at the door.
3. Go to cashier. She will need your phone number and name, and give you a card to used to track your bill.
4. Show card to another bouncer at inner entrance. Guys are often frisked at this point.
5. Hurray, you've made it into the club! Go find your friends.
6. Know a 'regular' or somehow finaggled your way to the VIP section? You'll now need to get past the section gatekeeper.
7. Want a drink? Give VIP waitress your drink card and order, or go up to the bar and wait in line to give them to a bartender.
8. The odds of your card and drink being returned by the same person you gave them to are about 50-50. They may even been given to you by different people.
9. Repeat previous step every time you want a drink. Generally, there's not any food available. It will be very loud and smokey for the remainder of your stay. The later it gets, the louder the music will be.
10. Want to leave? Go find and wait in the check-out line!
11. Give cashier your card and pay up. She will give you back your card.
12. Take card to the outer set of cashiers (where you checked in). They will confirm you paid in the computer, and then give you the back your card.
13. Take card to the cluster of bouncers at the door. One of them will scan your card and mark you as having left the building.
14. Now you can leave. If it's earlier than 4AM, you're obviously completely lame.

Personally, I'm interested in going to a club for one, and only one, reason: to go dancing. I've tried the here club twice so far, and failed in that objective both times.

The first time, the place was packed, but it was 'country night'. So they played techno until the band started (but no one danced), a country band was played for a few hours, and then (I'm told) the DJ came back on and people did dance. I just didn't stick around long enough.

The second time, a more generic band played. Same deal - DJ, Band, DJ. I did stick around long enough (you have to wait until after 2 for the dance party to start)- but the place was dead. It's not very fun to go dancing in a big club that's 3/4 empty. And most of them were just standing around. There were maybe 5-10 people dancing in the whole place. I know that doesn't mean I couldn't dance, but it's just not the same to dance by yourself - maybe if I'd been in a group with those 5-10 other people... but they weren't even in my section. I kinda doubt I'll bother to go again. It's nice to see everybody having a good time, but I hate paying a cover charge just to hang out in a loud, smokey room drinking.

Good news

Good news: I got all of Billy's pictures!
Bad news: I got all of Billy's pictures.

It's going to take a while to figure out which ones are just duplicates I already have (most of the wedding pics, for example), then get them all sorted, tagged, and uploaded. I think most of it might be worth waiting until I get home. Then I'll have the new iPhoto to work with (hurray for facial recognition and Flickr integration) and a faster internet connection. But I'll try to get at least our recent travel stuff up sooner than that.

More good news: Aaron's on a plane to Brazil as I write. I should have my Kindle in hand by dinner tomorrow!

For those who may have assumed I was announcing we got approval to stay here for the duration, alas, but no. No word at all. Billy's pass is still only good until the 30th. He's on nights now, so I hope someone thinks to renew it for him!

Lots of photos uploaded

I finally got around up loading photos again. I've got a bunch of new ones from here in Brazil, plus some from the end of the China trip. I even added what little I had from Australia. I'll have to see what I can get from Billy from the Sydney trip and upload that too.

Permanent Address

I've never understood the term 'permanent address'. Maybe that's because I've never lived in the same place for more than 5 years straight. When we bought our current permanent address, I honestly thought I'd break that record. The house was nice enough. The area was nice enough. Billy's job seemed like it would last. But it's got two big strikes against it now:

1. It's really inconvenient to leave behind when we travel.
2. I'm getting antsy.

When I decide to make a big change, it's like flicking a light switch. Sure there was lots of thought and worry and mulling over the options that went into to it, but once my mind is made up, that's it. Time to move forward full speed ahead.
In that vein, we finally made up our mind to sell the house and move this past Sunday. Ironically, that's my mom's birthday - one of the few people I know who's moved more than I have. Billy had off from work (power was out at the mill, I think). We went to a big corporate party thing, then spent the afternoon talking. I've been getting more and more annoyed with having to deal with leaving our house behind when we're away. So I finally started to entertain what is really the most logical option - moving to Huntsville so Billy's parents can keep an eye on the property and take care of the mail. I'd rather move in with my parents (in an apartment over the garage or something), but to pretend that they're really not going to move AGAIN in the next few years is just silly. I stopped believing that claim when I was in first grade. They've moved about 10 times since then. Changing my address is something I'm very familiar with - but it'd be even more of a pain when I'm not actually home most of the year.

To be perfectly honest, I'm still not that hot on the idea of moving to Huntsville. The thought of having so many relatives within a couple hour's drive totally creeps me out. I grew up seeing mom's side of the family twice a year, and dad's side of the family twice a year. The idea of having to do 'family time' on a regular basis makes my skin crawl. The fact that most of the family events are centered around children, or break down into talking about children just makes it about a zillion times worse. It's not you, it's me. Of all the possible conversation topics on earth, I would probably rank children last. For people with kids, however, it tends to rate #1. Sorry, but if that's what you're talking about, I'm really not interested in being around.On the plus side, Huntsville is a growing city with a fairly large population of young professionals. Which means at least we'd stand a decent chance of meeting some new people - people without kids who'd be willing to use some of their disposable income to participate in interesting activities with us on the rare occasions we are 'home'.

The main issue with moving though is that we can't do it so long as there's 2 trucks spread out over our basement, lawn, and garages. Which had meant that we'd stick where we were until Billy could turn it all into one truck and get rid of the extra pieces. Then we could look for a condo, and maybe buy an old mechanic's shop for Billy's toys to live in. I suppose it's only fair that if I'm compromising to move to Huntsville, Billy should to. On his end, he's actually agreed to get rid of the trucks! I agreed to let him buy a Harley to assuage the affront on his manhood that giving up this project apparently entails. But he has to buy a cheap starter bike first. After all, he doesn't have his license yet, and he doesn't really know how to ride. Better to learn on something smaller and cheaper. And on the off chance he turns out not to like motorcycles as much as he thought, we'll only be out 2 instead of 15 grand. At this point, I think I'd move anywhere Billy wanted if it meant we didn't have to bring the trucks along. I know he'll have toy cars again some day. And I'm fine with that. When that day comes, we'll have a big barn of a workshop decked out with everything he needs to make his vision come to life. I'm not fine with having projects sitting around for years that he doesn't have the time or tools to complete.

For now, we're still in Brazil - crossing our fingers that tomorrow will bring positive news about his work permit. If he doesn't get it tomorrow, I strongly suspect we'll be going home. If he does, we're here another month or two. At that point we can go home and get the house on the market as fast as possible. Most home sales in NY are in June-August. In the mean time, we're browsing the condo/townhouse/patio home market of Huntsville. Billy's parents are so excited we might move home they immediately contacted a agent to help us get info on the development we liked the looks of - townhomes for 120-150k, with 2 car garages! It sure would be handy to have a garage so we can just lock up and leave without putting the car in storage. But most places that have them are the much larger, much fancier developments. I'm not spending an extra $80k and buying a place twice the size just to have a garage. But there are a few places that meet our criteria. The question is whether any will be available when we're ready to make the move!

Of Chocomint and DSL

Last night we had a great dinner out with a bunch of finnish guys, and their brazilian girlfriends. We went to the place from Valentine's day - probably the best restaurant in town. Turns out nearly the whole place was full of Andritz people, in three different big groups.

Tonight we've got plans to go over to the only other American guy's house. His Finnish girlfriend is visiting for a few days. I was discussing what to bring to the cook-out and was talking about why we live in the hotel instead of a house. One word. Internet. We'd been told there was no way to get real internet in a real house. Apparently, Robbie (the guy) has a house AND internet! Whoever lived in the house before had arranged for DSL somehow. Ugh. I could have had a real desk and a real chair and a real kitchen. It's only one more month here probably. So I doubt we'll be moving. The DSL couldn't have been easy to get if no one else has been able to figure it out.

And for some reason, Billy told me the ice cream shop had promised to make me a batch of mint chocolate chip ice cream. Last time we were there, we discovered they had mint syrup. So I told the gal we should try for mint chocolate chip milk shakes. Which is what we ended up having last night. A little heavy on the mint syrup (which was really a bit more spearminty than peppermint), but still pretty good.

Life's a bit dull right now

I'd like to believe you've noticed I've been blogging less. It's not so much for a lack of interest in writing to you as a lack of subject matter to talk about. I prefer to talk about my travels, since I assume you find those interesting. But Tres Lagoas is, well, dull. It's a rather sleepy, hot, small, Brazilian city. It has a lot of very small restaurants, most of which serve the same stuff. It has 3 or 4 decent pizza places. They're all fine, but no one in Brazil makes pizza the way I really like. Not enough sauce, and the crust is never quite right. We keep going to the same handful of restaurants over and over. None are all that interesting. Not bad. Just not anything to write home about. We're thrilled to occasionally eat dinner someplace with real chairs. Nearly everywhere is outside on the same crappy plastic chairs. Or the even more uncomfortable wooden ones. At least the food is pretty cheap. Billy and I can easily eat for less than his allotted per diem. Breakfast is included at the hotel (a very limited buffet). Billy eats the provided lunch at the mill. I buy cereal and eat that every day. Sometimes, I steal a banana or apple and a roll from breakfast and have that instead. If I really want something larger, there's a gas station across the street with all the usual Brazilian meat-stuffed breads. Some are fried, some are baked. I bought some ketchup to keep in the hotel room in case I go get one of those.

So please don't think I'm living some sort of glamorous life down here in Brazil. Thing's weren't much more interesting for me in Porto Seguro (our last long-term stay in Brazil) - but at least my room had a tiny view of the ocean. Here I don't even have a proper window to look out of! The room's a bit of a cave. Probably more so than Australia. Only here it's too hot to leave the window and door open. There it was too cold. Even with the AC running, it's about 80 in the room during the day. I feel bad for the poor AC unit working so hard, so I leave it off whenever I can stand to. On a cloudy day I can leave it off all day. But the rainy season is over - and the cold time of year hasn't started yet. So I'll be living in a hot box a while longer. Luckily, we should be gone before the coldest time of year. When it's down to the 50s outside this place is going to be uncomfortably cold. Even if the AC unit has a heat pump, the ceiling is so high it wouldn't do us much good.

I have been working a bit more. After a rather drawn out start, I finally have the green light on my big new help center project. Between that and all the new smaller jobs that have been added to my list, I have more work than I know what to do with. It's difficult to ramp myself back up to full hours. I'll be falling short again this week. I thought I'd make it, but it turns out Billy will not be working Saturday. So I can't put in a full day. For some reason I tend to put in better work days on the weekends. Maybe because Monday feels like a deadline I need to meet? I always want to have something good waiting for the bosses when they come in on Mondays.

Most of the pictures here were taken with Billy's camera and never made it onto my computer. I'll try to remember to get those from him this weekend. Then upload them all Monday. Internet's a lot better during the day, weekdays. In the evenings, all the hotel has more guests trying to use it. On the weekends there are usually power fluctuations that knock it on and off. I think we've lost power at least once every weekend so far.

Billy's paperwork is still with the Brazilian officials. His pass is good until March 13. I do hope he has his documents by then.

I ordered my Kindle yesterday. I think it will ship Monday (super-saver shipping). I got a zippered neoprene case to protect it when not in use. The one I'd really wanted (a folding fake-leather book cover style) wasn't going to ship for a week or two. Maybe I'll get it someday, but I can't wait that long right now. I'm having the Kindle and cover shipped to mom to test out and load my books. I've saved a list of a few dozen freebies I can start with - classics like Dante and Jane Austin. Then she can ship it to Aaron in Atlanta. He's flying here at the end of March. He promised to carry it on for me. Cool electronics have a tendency to disappear from luggage. International shipping is very expensive, and I'm not sure I trust it. I'm so very grateful he agreed to bring it for me!

I've been having a bit of insomnia the past week. Hence Billy's in bed sleeping, and has been for an hour. And I'm here writing this. I think I might start dosing myself with benedryl at dinner if this keeps up.

Busy investing

I've been a busy investor this past week. My roth solo 401k is finally funded and invested. I had a bit of fun buying Birkshire Hathaway and General Electric. I could have bought in for a bit less than I did, but I'm still happy to be able to buy so low. I've not gone stock-crazy though. Most of it is in mutual funds (heavy on international and small cap).

I read a fair number of personal finance blogs. Most of them have mentioned Lending Club by now. I decided to take advantage of a $25 for signing up offer. I mean, why not? Sign-up turned out to take about 2 minutes. I was expecting it to ask a lot more questions. Guess you can skip all that if you're just going to be a lender.

I went through loans today, and decided to lend my $25 of free money to an optometrist in Kentucky. This seemed appropriate, as Billy's dad's an optometrist, and I was born in Kentucky. If I decide to put some more money into Lending Club - and I do think I will - I'll stick mostly to the less risky loans. This particular one was a level D and came with about 15% interest. For comparison, an A is about 9%. But a lot less risky. These attractive returns don't come with FDIC insurance. If we invest any 'real' money, I'll be more picky about income verification, credit scores, etc.

If all goes well, you're sure to be hearing more about Lending Club in the future.

So now I'd like to offer you $50 to sign up too. You're free to withdraw the cash as soon as you complete sign-up - or invest it like I did. It's free money, so what do you have to lose? In fact, I'm a bit bummed I only got a $25 bonus when I can offer you $50!

For the record that I will get paid a small bonus for the referral. And you'll be able to refer friends too after you sign up ;) May sound a little like a pyramid scheme, but I'm not one to turn down free cash. Still, I couldn't bring myself to spam my address book about it. And I discourage you from going that route either.

On a travel-related note - our stay has been extended until at least March 13th. The paperwork is all submitted. We hope it will be sorted out before his visitor pass is up for renewal again. We really don't want to go home yet! There's not a lot of jobs going on and Billy'll drive me nuts hanging around the house while I try to work!

[Update 7/1/09] Seems they've reduced my referral bonus to $25. Bummer. It's still free money though.

Heaven is Where:

Heaven is Where:
The Police are British,
The Chefs are Italian,
The Mechanics are German,
The Lovers are French
and
It's all organized by the Swiss.

Hell is Where:
The Police are German,
The Chefs are British,
The Mechanics are French,
The Lovers are Swiss
and
It's all organized by the Italians.

I couldn't find the author of this quote on Google. But I had to share it anyway.

Birthdays in Brazil

Once again, Billy and I celebrated our birthdays in Brazil (Feb 7 & 13). Billy worked on his birthday, but only a half day. We went out for lunch at the Churasscaria. It was fantastic. We spent the rest of the day watching movies on my laptop. In the evening, we went to our favorite ice cream shop for petit gateauxs. They are delicious there. We were so full of delicious meat and chocolate :)

For my birthday, Billy got stuck working late. I was hoping for gnocchi at our favorite pizza place. I thought they had a list of pastas at the back of the menu. I was right that there was a section listing gnocchi. But it's only available on the 29th of the month. Some weird Italian tradition that very popular in Latin America. I'm going to go back on the 29th of March, and probably every month after that :)

Since I couldn't get my pasta (there aren't any decent Italian restaurants in this town), we got pizza. My pizza was probably the best I've tried there - Canadian bacon and pineapple. And the onions I stole off of Billy's half. Yummy. I love hawaiian pizza. We got the small size (only 2 slices each) so we could hit up the ice cream shop for cake. They have a whole cooler full of awesome cakes - and we hadn't tried any of them yet! Billy had black forest cake with black forest ice cream. I had a vanilla cake with layers of vanilla and chocolate custard and marshmallow topping. And a side of ice cream (chocolate/vanilla swirl with tiny chocolate flakes - called pavé).

We'd hoped to go to the churasscaria again on Saturday. Billy had to work at 10-4, and the place isn't open for dinner. Why, I don't know. I asked the receptionist if there were any Italian restaurants (maybe we'd just missed it). We got a recommendation and a map. As it turned out, it wasn't Italian. But it was fantastic. So we were very happy. And too full for dessert! We ate too much to turn around and stuff ourselves at the Churasscaria today. Oh well, maybe next weekend.

Kindle... are you the answer to my problem?

One of the most annoying things about long trips is that I tend to have a lot of time to read... but only a limited amount of room in my luggage for books. Books are bulky and heavy. And since I try to bring books with me I like, I not only have to lug them with me, but lug them back again when the trip is over.

This has become a big problem this trip for two reasons:
(1) I didn't bring a couple dozen magazines with me like I did last year (because I canceled my subscriptions to reduce junkmail)
(2) The more I read, the more I want to read. Thereby increasing the amount I do read.

Now I'm conflicted. I love building a library of books. I normally by used paperbacks for less than $5 each. But my location independent lifestyle is not compatible with my desire to read, and keep a lot of books. (It would work just fine if I didn't mind disposing of the books along the way.)

My proposed solution: get a Kindle. I'm not sure why I didn't think of it last year. I knew Amazon had come out with an eReader. But that was about all I knew. And now the second generation device is about to start shipping. If it weren't for some blog post about the new release, this solution may not have even occurred to me! Generally speaking, second gens are way better than first gens. I don't care one bit about the 'wireless downloading' - I can't use that internationally. I already know I have to download to my PC then transfer the content. I'm speaking from a purely spatial standpoint - the Kindle would save me space and weight in my luggage. The books will (mostly) cost me more than they do from Powells, but a book I can bring with me and read is better than one I can't. Even if it's a bit more expensive. And most titles are still under $10. Older books seem to be in the $6-8 range. Some are even less. I can always ask for Amazon gift certs in lieu of physical presents.

The catch? Well, first there's the price. A brand new second gen will set me back $359! For $100 less I could pick up a used first gen. Normally, I go for the late model to save some cash (I did for this laptop, for instance), but I don't think it's worth it in this case. And I think I can mentally justify the cost as long as I use it for more than 2 years. The second problem is shipping. Amazon doesn't ship to Brazil, or anywhere else in South America for that matter. I'm guessing a combination of customs and fraud concerns. So I'm gonna have to ship to to either Billy's parents or his office, then have them ship it to us. Since his office has more experience with international shipping (and will probably already be sending us some stuff in March, assuming we stay), I think they're our best bet. But it still makes me nervous - will the package arrive with my fancy new toy?

If you have any experience with using a Kindle, or thoughts on my plan, please let me know!

25 things about me. Yes, I broke down and did it too.

I don't usually participate in meme's, but I happen to like this one. And it's a nice way to get back into the swing of blogging. I know, I've been silent far too long.

1) I've lived in at least 16 towns and 19 different addresses (by 'lived' I mean was my legal address, or the place where I slept at night & received mail for at least 2 months): Louisville KY, Bowling Green KY, Mission Viejo CA, Walhalla ND, Canton NY, Bradford PA, Wilson NY (x2), Cobh IRE (x2), Rochester NY (x2), Washington DC, Owenton NY, Baldwinsville NY, Owenton KY, Ypsilanti MI, Irvine CA, Moreau NY. And that's not counting the hotels I've 'lived' in since we became semi-nomadic. I can't even imagine what it would be like to live in the same place for a decade, let alone a lifetime. To me, home is wherever I'm sleeping that night.

2) I'm a bit obsessive about tracking our personal finances. That may not be healthy, but at least I know where all our money came from, is, and is going. Do you?

3) I was Salutatorian of my high school graduating class. That means I was #2. I got to give a speech at graduation and everything. Unfortunately, I had to do so with a fever of 100+ degrees and don't really remember much from the ceremony except sitting on stage clinging to my chair hoping I wouldn't pass out. Thank you mom for forcing me to get up, drink some soup, and go, even though I felt like I was dying!

4) I had an article published on the front page of the newspaper in 1st grade. The teacher had assigned us to write journals. I HATE writing in a journal, so I asked if I could write an essay instead. I wrote about how I was going to save the world when I grew up. She was so impressed, she sent it to the newspaper. The Union, Sun & Journal is so lame they actually printed it.

5) I can't swallow pills. I take them in a bite of food, or in peanut butter like a dog. I choke on any solid floating in liquid - so I also try to avoid ice in my drinks.

6) I'm terrified of fireworks and knives - two of Billy's favorite things.

7) I'm an excellent shot. Duck hunt is the only video game I was ever good at as a kid. I impressed the range supervisor at the gun shop in Huntsville Billy took me to. I kicked Billy's ass (and most of the rest of the group) during target practice at our gun safety course. I legally own a .22, but we're away so much I've only gotten to play with it once!

8) I adore food. Eating new foods might be my favorite part of travel. Swan, Ostrich, and Guinea Pig all very tasty :) But spaghetti is still my favorite. I could eat it every day. If I'm stuck alone at the house, I'll often make a huge pot and eat that all week.

9) I may be smart, but I am incredibly lazy. I respect hard work, but hate having to do it myself. To be perfectly honest, everything I've ever excelled at has come easy for me. If it's hard or going to be a lot of work, I try to find a way out of it.

10) I'm comfortable with public speaking or in social settings where I have some 'official' capacity - but normal social gatherings make me very anxious.

11) I've never taken any illegal drugs, or any tobacco product. I didn't even drink alcohol until the end of my freshman year at RIT. Six years later I'm still a 'light weight'.

12) Caffeine does not wake me up. Therefore I've never acquired a coffee habit (saving me a ton of $$). But if you're buying, I'll drink a caramel skim latte. On the rare occasion I'm in a coffee shop, I'll usually get myself an herbal tea. Or a hot cocoa. Cheaper and yummy.

13) I like helping people. In high school, that meant feeding and hanging out with drug addicts and drop outs. In college, I kept the drunks for hurting themselves at frat parties. Now, I have to content myself with answering forum posts. I work much harder as a volunteer than as an employee. Go figure.

14) By a normal standard - people you speak with and enjoy the company of regularly - I have no friends (other than my husband, and my Mom). Moving a lot, I learned to just leave people behind. It's not that I forget the people, but it doesn't occur to me to maintain the friendship when my life moves on. If you'd like to be in touch more, just let me know.

15) I was a devoted church-goer from 4th to 12th grade just so I could be in the choir. I did it again for a while after we got married and moved to our house. I finally decided to stop being a hypocrite, but I miss the singing a lot. If I ever stop traveling, I'll have to find a community group to sing with. Or at least start attending the Unitarian services when I'm in town.

16) While on the subject of music... I grew up playing the flute. I was even in a marching band for a year. I got bored with it in high school and tried the oboe, then the bassoon, then french horn (success! my brother's cute friend gave me lessons). I stuck with the horn for 2 years, then finally quit the band and just did chorus my senior year.

17) I had my heart stopped in the hospital. I had supra ventricular tachycardia. One day it got up over 200 beats per minute and stayed there. So the hospital injected me with stuff to make it stop and reset. I got to watch it flat-line on the monitor, which was pretty cool. But it feels like an elephant jumping on your chest. They actually had to do it twice - the first dose was more like 'pause' than 'reset'.

18) An electrocardiologist later went in and zapped a few cells in my heart so #17 wouldn't happen again. Ironically, I had my heart procedure done on Valentine's Day. Since my 18th birthday was the day before, signing in to the hospital was my first official act as an adult.

19) I got a level 4 buzz cut at the end of 9th grade. I went to summer camp and everyone assumed I was a cancer patient. I would shave my head again if it wouldn't make Billy so sad.

20) I strongly dislike the sensation of falling. I'm so terrified I can't go near the edge of a cliff. But I'm not afraid of hights. Stick me in a harness and I'd be happy to walk over the edge :)

21) I am not EVER having children. I absolutely can't stand kids. I didn't even like kids when I was a kid. So at least my side of the family isn't surprised. When meeting babies, everyone's all 'don't you want to hold him/her?' I just say 'No, I can't stand babies.' Is it rude, yes, but no one tries to make me hold the baby again.

22) I don't like weather. All weather - sunny, windy, cold, hot, snowing... But I do love the sound of the rain, if not the precipitation itself.

23) I was named after my grandfather (dad's dad Jack E. Licht). He died a month before I was born. Otherwise they would have named me Laura Louise Licht!

24) My Myers-Briggs type is ENTJ. It hasn't changed since I first took the test in 7th grade. But I'm a borderline Extrovert/Introvert. I like being around people for a while, but at some point a switch flips and I just want the world to leave me alone. I also tend to be annoyingly logical and bossy.

25) I don't believe in funerals. So if you die, don't be surprised that I don't show up.

How do I love the CBD? Let me count the ways...

1. My checking account earns a higher APY than today's 5 year CDs at most banks. 3.35%
2. My savings account earns an even higher APY. 3.41%
3. My money market account earns an even higher APY than that. 3.57%
4. The APY on my accounts hasn't changed since I signed up in September. You've lowered your CDs (though they're still higher than most banks). I'll understand if you have to lower the regular accounts, too. But it sure has been sweet of you to keep them up for me.
5. You don't charge me ATM fees, and refund fees the machine charges. I'll forgive you for currency conversion (0.2%) and cross border (0.8%) fees.
6. Incoming direct deposits are available faster than any other bank I've used (HSBC, GFNB, E*Trade).
7. Fully FDIC insured - yes even the money market account. It's only money market funds through brokerages that aren't insured.
8. Your web banking is easy to use - including downloading OFX files, bill pay, PDF statements, balance notifications, and transfers between CBD accounts. I'll forgive you for the lack of bank to bank transfers (you say you're working on it) and direct connect to download straight from Moneydance (you do work with Quicken Online).
9. Debit cards with Visa logo (and NYCE, pulse, and PLUS) for the checking and money market accounts. I'll forgive you for the lack of debit card on the savings. I've learned to live with lack of ability to set your own PIN for the debit cards - but I still think that's weird.
10. You let me sign up online and download the signature card to scan or fax back to you. Luckily, you accept ACH transfers to open accounts, even though they aren't available in the online banking.
11. More pre-addressed, post-paid deposit envelopes are just a phone call or email away.
12. Free checks, with free reorders if I ever need more on both the checking and money market accounts.
13. Really nice people, in a real bank in Kentucky answer the phone, or will return my message as soon as someone is available. Your southern charm and courteous follow-up to ensure everything was resolved to my satisfaction easily make up for your limited hours of support availability.
14. Your secure email system is just as good as your phone support. If fact, it's the same people.

Not so enamored with your own bank? Maybe you should give Century Bank Direct a try. http://www.centurybankdirect.com/

Disclosure: I was paid for this post by way of high interest rates on my accounts. But they would have given me those even if I wrote mean things about them (or nothing at all). ;)

Did you do your one thing?

Back in October, I challenged you to do something each month for your fellow man. How many of you have done it? I'm happy to say I have. Each month, I sponsor a loan on Kiva for $25. Because I know that I won't miss the money, but they will truly appreciate it. Better than just giving to charity, Kiva helps entrepreneurs around the world using small loans. So when the people I sponsored pay up, I can reinvest that money in another project.

I chose my one thing, and I'm doing it. How about you? Here's my Kiva page so you know I put my money where my mouth is.

I'd also like to re-encourage you all to "Click to Give". Right now each of the pages has last year's stats up. 72 million cups of food for the hungry. 7577 mammograms. 989957 children given health care assistance. 522292 books. 14957 acres of land saved. 77.8 million bowls of food for shelter animals. Those are some pretty powerful mouse clicks. Now image if you'd actually participated?

Personally, I've added them all to a folder in my bookmarks bar and just use the the 'Open all in tabs' option once a day. Not as annoying as using them as homepages every time I open the browser, and more convenient than saving one site and clicking through to the rest one at a time. I'm happy to report that Chinese internet limitations have not affected my ability to click to give!

A few random thoughts as I begin the New Year

I'm not even going to try to turn this into a coherent story, but there's a few things I'd like to say:

The White Swan Hotel's breakfast buffet has the best fish nuggets ever. They've got peas and corn and tiny pieces of carrot inside. Someone should really sell a product like that in the US. You don't taste the veggies, and you can't even see them when you smother the nuggets in ketchup.

There's something different about the cocoa powder in Brazil. I can easily stir it into hot milk and make tasty hot cocoa. I don't even usually bother to add sugar. Try the same thing in the US, and it doesn't work! You have to make a paste out of an inch of hot milk, then thin it out. And it takes a 50-50, or more realistically 2/3 sugar mix to get it to taste any good. What is up with that?

Something called 'rocket' is popular on pizzas and in salads around the world. Apparently, that's what everyone but the US calls Arugula.

Salad dressing, other than plain oil & vinegar, is not usually offered or available.

I will forever long for (and drool at the though of) Brazilian coxinhas and Australia meat pies.

Pizza is not the same everywhere. Luckily, most of the variations are pretty tasty -- even the seafood-based ones. But without a strong grasp of the language, you'll be stuck with whatever combinations of toppings are on the menu. There's rarely a simple build-your-own list available.

Ostrich and swan are both very tasty. Especially in a stir-fry or curry.

Restaurants in some countries (especially Australia) allow you to bring your own wine & beer. Personally, I think that's a much better system.

You're not expected or encouraged to tip service providers in most countries.

Chinese cab drivers always keep 1 RMB more than the fair unless you give exact change.

Unless your bank charges crazy international fees, it's much more cost effective to get your cash from an ATM than to do a currency exchange.

You can leave your laptop in the case going through US airport security checkpoints, as long as it's just a sleeve with nothing to obstruct the view of the x-ray machine. Zippers around the edge are OK.

Never, ever accept a ride from someone who approaches you in the airport, bus, or train station asking if you need a taxi. There's always some official place you're supposed to go to catch a cab. Unlicensed drivers might give you a good deal, or they might drop you on the edge of nowhere and steal all your stuff... or worse. It's not worth the risk.

The most important words to learn in the local language are Thank You, Yes/No, Hello/Goodbye, and "How much?" If you can master those, move on to the Numbers 1-10, the applicable variations of Good morning/Good evening/Good night, "Do you speak English?", and "Where is the toilet?" Learn more if at all possible. The more you can attempt to speak their language (even if you get it completely wrong), the nicer the people will be, and the better deals you'll get!