Things to accomplish today...
#1) Must.......win.........lottery.
#2) Read #1 again.
Its been that kind of week. See? I said in my last post that April is always like this! :)
#1) Must.......win.........lottery.
#2) Read #1 again.
Its been that kind of week. See? I said in my last post that April is always like this! :)
Today is one of those Saturday's where we need to do a massive grocery shopping trip. The kind of shopping trip where first you clean out the refrigerator and cabinets, and THEN you make the list. Spring is always a challenging time for us and this year is going to be no different with Dane in track, Grant in baseball, and Tiersten in t-ball. On top of that, the girls and Mike all have birthdays in April. In order to not constantly eat at McDonald's, its time to get organized! So......the renegade-box-of-brown-sugar-that-escaped-to-the-back-of-the-cabinet-and-is-now-hard-enough-to-cut-glass is in the garbage, all wilted and bruised produce is in the garbage, the list is made........and I'll head to the grocery store shortly.
But first, a Jennica story:
On Thursday, we headed back to the naturopath in Olympia. We reported that things were going well (right up until we temporarily let her have milk products last weekend) and that the dietary changes seem to have really helped her moods and general health. We can just tell she feels better, in every way!! So.......as expected, the doctor told us to continue the current diet. Duh. She also gave us a new multi-vitamin for her, and a Vitamin B6 capsule to go with it. No biggie, right?
When we opened the bottle of B6, we discovered capsules full of bright yellow powder. We're supposed to sprinkle the powder onto some food, and she's supposed to munch it right down. At this point, I'm still not seeing a problem.....
So Friday morning, I put a little applesauce in a bowl for her, dump in this yellow powder, and mix it all up. The applesauce is now bright yellow, but I'm still naively convinced that this won't bother Jennica. I approach her at the breakfast table, where she is munching down rice krispies, and hand her a spoon of applesauce. Big brown eyes solemnly look at the spoon, look at me, look at the spoon, and look back at me, "It's yellow."
I decide to play dumb, "Yes.....applesauce is yellow."
She's not convinced, "Not THAT yellow." She's still very solemn, and I'm somewhat impressed that she's not whining yet.
"Yeah, not usually." I throw in a little honesty here. "But this applesauce is yellow because it has extra vitamins in it."
She's happy with that explanation, and opens her mouth and takes the teensy-weensiest of bites. Instantly, the jaw clamps shut, she hops off the chair with her hand over her mouth, and runs over to the family room and buries her head in the couch. Brilliant parent that I am, I follow her.
"Jennica, you need to eat this." All I see is the back of her head shaking no, while her face is still buried in the couch.
"JENNICA!" My voice is rising. The fun is beginning to diminish, as I have a million things to do today, and a million places to be. They need to finish breakfast so I can run them to the Day Care. "Lift up your head and have a bite of this."
She sits back and looks me straight in the eye, and very calmly says, "I'm.........not.......eating........that."
All-righty then. My brain is registering that there is NO whining here, no screaming, no yelling, no temper tantrum. She is just very emphatically stating her stance. This is a new behavior for her, so I have to ask myself, could it really taste THAT bad? So I take a bite, and watch her grin from ear-to-ear as I make every effort not to grimace and spit it out! I honestly would rather drink a bottle drano than ever eat that stuff again!! The look on her face was absolutely priceless, as she knew that she had won this battle. It took me half of the day to get the taste of chemicals out of my mouth.
So last night, Mike concealed a capsule-ful of B6 in a glass of chocolate soy milk, and unbeknownst to her, she guzzled it right down. But its fascinating to see the changes occurring in her, right before our eyes. The ability and willingness to communicate at a much higher level went right through the roof. And all because we removed milk from her diet? Who ever would have "thunk" it???!!!???

My 14-year-old son and several friends took advantage of the time off from school last week to go snow-boarding. Dane has skiied quite a lot, but this was his first adventure on a snowboard. They had a great time, and say it is quite a lot easier than skiing. On a humorous note, they had responsibly informed their track coach that they were going to miss practice on this particular day--and he still made them do some extra running at the next practice, which none of them were real happy about. :)
In any case, they're growing up too fast! From left to right: Levi, Dane (my son), Molly, Aaron, and Chelsea.
Come.......on.........DOWN!!!!!!! And "ABUSE THE APPRAI$ER!!
The game goes something like this..........A lender and/or property owner show up and state how totally stupid and insane the appraiser is that recently completed an appraisal for them. (Can you believe that they only think my house is worth THIS much??!!???) They present photos, video tape, whatever to make their case that the property is worth much more.
And then, they bring out the poor brow-beaten appraiser, who is bashed with verbal comments, while he presents his findings and supports his opinion of value.
At the end, the audience casts their vote for who they think is correct. If the lender/property owner team wins, they get some big prize. If the appraiser wins.........well, they get a pat on the back, as federal regulations prohibit an appraiser from collecting any fee related to the amount of the final opinion of value. (For clarification on that, appraisers get paid an established fee that can not be based upon the amount of the final opinion of value. This is crucially important, as a commission-based payment system could influence an appraiser to "inflate" a value for their own gain. Most people don't think about it.......)
So what do you think? Is this show going to make me million$$$???
Yeah.........I don't think so either, but it is the reality of life as an appraiser in a floundering economy. Thousands of appraisers across the nation are taking daily "verbal-beatings" for correctly reporting property values which are thousands of dollars below the value that property owners need to sell their homes, refinance their homes, or in the worst-case scenarios, retain their homes. Foreclosures are still climbing, so the pressure continues to mount. Some clients are stressed to the point that they don't want to order a costly appraisal without a "guarantee" that a loan will result, but it is unethical (and against federal regulations) for an appraiser to provide any sort of opinion of value without performing the time-consuming task of actually appraising a property. I suppose an appraiser CAN perform that process for free, but that is a pretty lousy business practice.
Honestly......I get tired of the "up-front" requests for value before I have a chance to do my job, but I don't really mind the verbal beatings that sometimes come after the job is complete. When I've done my analysis correctly, its pretty easy to support my opinion of value with factual data. Unrealistic expectations are not my problem. Providing an accurate opinion of value IS my problem.
Ahhh..........its so much fun being ethical sometimes. Of course, if there had been more ethical lenders/brokers/realtors/appraisers/etc., perhaps so many property owners wouldn't be in financial trouble to begin with? And the beat goes on.........
I figure that every day I learn (or re-learn) something is a day not wasted. These are the things I learned today:
1) Allowing Tiersten to pick out her own hair doo-dads in the morning is like letting Mike put out a movie at the Video Store...........Its a long, painful process and you generally end up with the first thing they saw anyway. (I love you anyway, Michael! )
2) Just because a Toyota Highlander has a total of six seatbelts does not mean that our family of six is going to all fit in this temporary-rental-vehicle-while-the-suburban-gets-fixed-from-the-afore-mentioned-fender-bender. I have to admit that I'm rather enjoying the smaller rig and the girls think its great, too. Its the long-legged males of the family that seem to be struggling with where to put their legs. And when they finally get the front seat back far enough to be comfortable, the girls are squealing in the backseat about being cramped in their carseats. Rather funny!
3) Track meets in Western Washington in the month of March require multiple layers of clothing. If you think you're dressed warm enough, add two more layers and take two blankets and you'll be good! Dane's first track meet was today and we FROZE, even in the covered stands. I have no idea how the participants survived down on the track in the driving wind and rain. Dane came up and actually snuggled with Dear Ol' Mom in the stands under a blanket between events! Yep..........it was THAT cold. :) In any case, he threw the discus and the shotput, and ran the 800m and the 1600m. His shot "toss" was a personal best ever, and both running events are new to him this year, as last year he only ran shorter distances. The discus was wet and he was frozen by then, so we can count on definite improvement for the next meet there.
So..........tomorrow is Thursday and there is no school for the rest of this week due to Teacher's Workshops. Almost enough to make me wish I was in school again! Or not.........
Happy Thursday!

It certainly wasn't planned, or even a conscious decision, but somehow I ended up on a "blogging vacation" after the first of the year. I've been incredibly busy with appraisals, we've been busily buried in basketball season with the boys, and the time has just gotten away from me. When I have had a few minutes of free time, I haven't really wanted to be sitting at the computer.
But I'm back. Busy as always.......but I'm going to try to get back in the habit of updating the blog. :)
Dane's basketball team lost only one game this year, so they all feel good about their season. That one game was lost by only four points in the very last minutes of the game, and was to a team that they had beat in overtime earlier in the year. Not bad, boys!! I think Dane is leaning towards wrestling next year as a freshman, so there is a good possibility that this was Dane's last basketball season.
Grant's basketball team also did very well this year, and was undefeated in regular season play. They had a tournament one weekend that didn't go "their way", but its going to be fun watching these boys take the court next year as 7th graders.
Both boys finally succumbed to the flu this week, and have been home several days. So far, the girls have both been healthy and we're hoping they avoid it. (Please....please......please.......)
Mike and I have both got a million things going on with work. Its nice to have interesting, mentally-demanding jobs, but we both admit that there are days that the simplicity of an "easy" job looks appealing. I'm fully aware of how quickly I would be bored in a less demanding field, but I have my days....... :)
And lastly, I was an unfortunate participant in a "fender-bender" in South Bend this week. Not my fault.......but the suburban took a good blow to the rear end and has the dents to prove it. My neck and back have been sore, but otherwise, no injuries, for which I'm grateful. The suburban will be headed soon for repairs. More of an inconvenience than anything else.
More rambling soon!
2008 has arrived. It is 2008. The year is 2008. Hmmmm.....
I will turn 40 this year. Wasn't I supposed to have my life in perfect order by age 40? Another hmmm.......
I have now been self-employed for over two years, which coincidentally happens to also mean that it has been over two years since I have sat and looked at the clock for an afternoon, willing it to be 5:00 NOW. Instead, I always find the end of the workday creeping up on me far sooner than I am ready, as the amount of work to be done always exceeds the number of hours available. I'm feel fortunate for that, but the feeling of time slipping away has increased exponentially with my workload.
All of you that watch/read the news know that the U.S. housing market is floundering a bit these days. This has a direct affect on the appraisal industry as a whole, and appraisal businesses from an individual standpoint. My business has been affected, but so far, less than many. However, I find myself trying to see into 2008 and gauge the economic course of the months to come. There are opportunities available to do other things, but I'm hesitant to leave the comfort of this "niche" I have carved for myself. I LIKE WHAT I'M DOING! Two and a half years ago, I couldn't say that.
So I am at a point of pondering. Pondering the future. Pondering the past. And pondering where I want to go and what I want to be when I grow up. Wasn't I supposed to have life all figured out before age 40?
Twas the night AFTER Christmas,
when all through the house,
not a creature was stirring,
not even a mouse.
The stockings were emptied,
the presents unwrapped,
we'd just all settled down,
for a long winter's nap.
Okay.........enough of the rhyming. Around 11:30 pm on Christmas night, we were suddenly awakened by several brilliant flashes of light (the kind that light up the whole house) and 3 or 4 deafening booms. Instant pandemonium, and with no idea what was making the horrible racket...FEAR!!! We looked out the blinds for great balls of flaming I-don't-know-what in the front yard or SOMETHING! Nothing visible, but darkness. The boys ran out of their room demanding answers. The power had gone out with the first boom, so Mike is scrambling to find a cell phone to call 9-1-1. Our hearts are racing and blood pressure is high while we dig out flashlights and dial for help. All while waiting for the booming to resume.
Its all rather amusing in retrospect, but wasn't the least bit funny at the time. After our call to 9-1-1, the PUD showed up and found the cause of the problems right across the road from us. They stumbled around in the dark for awhile over there, apparently fixed whatever needed fixed, and the power came back on. End of story.
But WOW! Talk about feeling like sitting ducks in a nuclear war! Like I said......pretty funny. In retrospect. :)
Grant will NOT be nominating me for the 2007 "Mom-of-the-Year" Award and here's why:
Last Thursday, Grant had a very busy evening scheduled. He went to school all day, came home on the bus, and then had to be back at the school for basketball practice at 5:00 pm, and across the street for the Elementary Christmas Program at 6:30 pm. Very do-able, but busy.
At ten minutes before 5, he hollered at me in my home office that we needed to get moving or he was going to be late for practice. I dropped the appraisal file I was working on, grabbed my keys and off we went. As we hopped in the suburban and slammed the doors, I looked over at him, in shorts and a t-shirt, and said, "You didn't grab any clothes for the concert, did you?" I got a blank look in response. "GRANT, you're not going to have time to come home and change! You need clothes to wear!!" Grant starts to hop out of the suburban, and, being the wise Mom that I am, I tell him, "I will run in and grab you some clothes! I'm faster!" Sixty seconds later, I am back with a polo shirt, and a new-looking pair of jeans out of the clean laundry (Our school Christmas concert is not very formal, and most kids wear jeans. I'm willing to go along with that, as long as they are clean and not overly-faded-looking.) Finally, off we go to basketball practice.
The next hour is a whirlwind for me. Pick up girls. Pick up Dane at wrestling practice. Take girls home. Food. Mike decides to stay home with the girls. (We had ALL done the High School Band Concert the night before.......) Dane goes with me back to the school for the Elementary Christmas Program.
As Dane and I are walking down the sidewalk towards the high school gym (where the program will be), we notice Grant coming out of basketball practice across the street. Even in the semi-darkness under the streetlights, something doesn't look right...........Dane asks, "What's wrong with Grant?" I reply something about not being sure. Grant appears to be holding his stomach with both arms.........He spots Dane and I coming down the sidewalk and starts towards us, still hugging his middle. ???
When we get close enough, Grant yells, "MOM!!!!!! You didn't grab MY pants! These are DANE'S PANTS!!!!"
Suddenly it becomes clear. He is holding his hands around his middle because he is literally holding the pants up under his armpits!! The legs are dragging on the ground and Dane is laughing uncontrollably!!! Grant looks LESS than amused, but it was impossible not to laugh! Keep in mind, Dane may only be 22 months older, but at this point in time, he is about 12 inches taller and 60 pounds heavier than Grant!!! :)
So anyway..........there was NO time to run home and get different pants. We got creative and used the belt that Dane was wearing to secure the jeans around Grant so that he didn't have to hold them up. He wasn't overly happy about it, but honestly, in the middle of a group of 250 or so kids....Nobody noticed!!! And, quite a large number of kids were there in basketball shorts and t-shirts, so I guess we could have skipped the change of clothes altogether. But it is somehow better in my sick little mind to have my child there in a new-looking dark blue jeans and a polo shirt, than in sweaty shorts and a t-shirt.
Grant............even if I'm not Mother-of-the-Year, I love you!!!
I arrived home late last Thursday evening via a rather circuitous route through storm-ravaged western Washington. I have to admit that I was unprepared for the vastness of the storm damage. Shortly after daybreak on Friday morning, I was standing in our front yard with my mouth hanging open at the sheer number of fallen trees. One hundred-year-old hemlocks and spruce snapped like twigs on the 20 acres of timber surrounding us.
We got lucky! Although we have numerous trees down, nothing hit our home or outbuildings. Power was restored late Wednesday and has remained "on". Other than a whole lot of trees to clean up, we have NO damage!! Far too many others were not as fortunate and I feel for them! Many roads still remain closed, and the clean-up of flood waters to the east of us have barely begun. What a mess!
It's nice to be home! I gained a lot of knowledge at my classes, but it sure didn't turn out to be a great time to be away.
Still feeling worthless tonight. I'm buried in classes, evaluating the effects of financing concessions on market value, compounding rates of change, sinking fund factors, and other appraisal mumbo-jumbo. While Mike continues to hold down the fort at home with the kids. All roads in and out of the region continue to be closed due to massive numbers of downed trees, mudslides, and flooding. The power lines that are down are the BIG ones, so I'm relaying news to Mike that they are saying they will be without power for another 2-7 days. I'm not yet sure when I will be able to get home. Its a real possibility that my class will end in a few days and I may be stuck here for an additional day or two. Geez..........I hope not!!
But.........since I've spent all this money on these classes, lodging, etc., and I can't get home anyway, I'm trying to focus on the course content so I take home some valuable knowledge. Honestly, the information so far is not really NEW to me, its just being applied a lot differently. The "common sense" ends of the business I do really well with. I can isolate major contributors to value and all that. The more complex financial calculations sometimes get me flustered, as I don't always see a practical day-to-day application for them. But here I am, and in order to complete my designation, I have to have the course hours, so.....what the heck. Complex financials and all......
As usual for me, the largest gain from classes is ALWAYS ALWAYS ALWAYS from my classmates. I thrive on meeting people from different backgrounds and different places. The appraisal industry, as a whole, does not generally attract people directly from college. And freshly-graduated high school students very rarely go off to college with the goal of becoming an appraiser. The end result is that you get an incredible melting pot that makes up the group of people known as real property appraisers. And this class is no different!! We have a 60ish-year-old retired paramedic that broke his back in a helicopter accident working Lifeflight, we have a 70ish+ retired Navy guy, we have a 45-year-old real property investor that owns apartment buildings across three states and is just entering the appraisal business, we have a Japanese immigrant that got a clerical job at an appraisal firm and has decided to become an appraiser herself. We have people from Alaska, and California, and Hawaii, and Texas, and Puerto Rico, and Virginia. And we are all very diverse and bring different skills and backgrounds to the field. FASCINATING!! As is also typical, there only about 5 women in the class of 30+. In the lower-level appraiser courses, the ratio tends to be more equal, but the higher level courses........for whatever reason, many of the women just don't pursue that high. I hope it changes in the future!!!
My new Puerto Rican friend has spent five weeks in the United States since September, all in appraisal education. He is very advanced in the field, but only a year older than I am. He is nearing completion of both his MAI and SRA designations (a huge accomplishment), and is flying through the class with ease. The incessant rain here is driving him insane and he is anxious to get home to his wife, children, and sunshine. His English is quite good, but I have taught him two new words: nit-pick, and folks. And today he learned the phrase "back seat driver". :)
So........I need to run and get something for dinner and then it will be back to my motel room for a long night of studying. As boring as that sounds, I have to admit that it is downright luxury compared to my family's current accomodations.......sitting home in the dark and waiting for the world to reconnect them to the "outside".
Here's the deal...I live with my husband and children in my hometown. My husband is not anative, but I've lived there pretty much my whole life. And, in the Pacific Northwest, we don't often experience "extremes" in weather. We get a lot of rain, but temperatures rarely drop below 35, and rarely rise above 90. We get a few days per year on each end of the spectrum, but for the most part, things are very moderate.
So, I'm currently out of town for two back-to-back professional education courses. I leave town....and lo and behold, the biggest windstorm of the last 45 years hits. I'm sitting several hours away, warmly enveloped in a nice hotel with a ton of shopping, restaurants, etc. nearby......while my family about gets blown off the face of the earth!! Talk about a WEIRD feeling!!
Today, I spent most class breaks on the phone with Mike, receiving constant updates. They have already been without power for 24 hours, and are being told to expect another 2-5 days without power. Literally, every major road in and out of town, as well as all the surrounding towns and cities, is closed due to downed trees and/or flooding. Interstate 5 is closed between home and my current location, due to massive flooding. Mike says that the 10 acres of undeveloped property behind our home looks like it was freshly logged due to the massive number of fallen trees. A window in my parents' home just miles away blew out from the sheer force of the wind. WOW! So much for living in a moderate climate!
So.........while I sit here typing in the cozy warmth of my motel room, my husband and children are home in the dark, eating cold food, and hoping for the off-chance that tomorrow might bring restored power. Schools are closed.......work is cancelled.......and a tree fell on the girls' day care facility. In stark constrast, this evening I had grilled cajun shrimp alfredo for dinner, at a wonderful restaurant with many friends and colleagues from all over the country. We watched Monday Night Football on a big-screen TV, and laughed with our fellow classmate from Puerto Rico as he yelled obscenities in alternating Spanish and heavily-accented English. We invaded Starbucks at 7:30 pm...while my family sits at home in a dark home, in a dark town, in a very dark and flooding region of Washington State.

So.......now that I'm rather getting used to living out of a suitcase, we're home for a few weeks and then I'm off to a killer 8 days of continuing education. In the meantime, I hope this blog finds you all busy and happy!!
This weekend, I will be in Spokane celebrating my sister's ordination with her. I'm honored to be attending, and honored to be the youngest sister of this amazing woman. As a child, she was constantly in trouble for openly speaking her mind, but today, I see it as one of the greatest of her many assets. She is one of the most passionate people I know, and has the intelligence to turn that passion into positive things. Please read the following link:
http://www.stonewallnews.net/pages/full_story?widget=full_story&content_instance_id=832&open
Never one to travel the easy path, Marj.......you've earned this one!!! I'm so proud of you!! See you Saturday!!
I do not often post about the many varied issues that are important to the appraisal world, as I use my blog as a personal place to share family stories and photos with friends near and far. However, today is a big day for appraisers nationwide, so I'm going to make an exception and celebrate in print just a little.
Dane had an orthodontist appointment this morning, so it was late morning before I reached my desk. One of the first things to hit me from my computer was today's headline that New York's Attorney General is pursuing a lawsuit against a LARGE business group, with some evidence that they have been pressuring appraisers to fraudulently inflate market values.
Virtually every appraiser in the United States has been subject to, at one time or another, pressure to state a market value above or below a certain range. Regardless of who has applied that pressure, it is a stressful component of a profession that, by sheer nature, needs a reputation for ethics and honesty. Unfortunately, many appraisers have fallen prey to that pressure. I myself have dealt with pressure and spent many a sleepless night staring at the ceiling and wondering if, by holding my ground, I have alienated enough clients that I will need to apply at McDonalds next week.
The current mortgage mess in this country can be at least partly blamed upon greedy lenders, greedy consumers, and greed at every other level of the transaction. Those of us that have steadfastly refused to fraudulently inflate values are excited to see some progress being made to regain professional appraiser independence. WAHOO!!! Its going to be interesting to watch this case as it progresses, and the "ripple effect" on the mortgage industry as a whole could be enormous.