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Today is Kris' birthday. She really likes the floppy Eeyore that I got for her (actually, she was disappointed when she didn't get it for Christmas, but she didn't say anything about it then). We went out for dinner at Carrabba's, which is the best restaurant we have found in the area. Amazingly good Italian food. It's a little on the spendy side so we don't get to go there as often as we would like, but it was very nice to go tonight. So that's cool.
As for work, I got all of my bugs cleared out for this release. As a matter of fact, I see that the 5.5.0.0 release actually made it out tonight, so I guess our 5.5.1.0 release is right on target for Thursday. There's some pretty nifty stuff in there, and some code that I am damn proud of (even if it *is* going to stay hidden for a few more weeks yet).
One other astonishing thing happened to me today. Kris wasn't particularly surprised, but for me it's the first time something like this has happened. One of the problems with the area we live has been that there is no bank nearby. When I want to make any kind of deposit to my credit union I have to drive about 25 miles, all the way over by the Florida Mall. I have to go on a weekday between 10am and 4pm, because I can't use the drive through (apparently the shared branch banking software doesn't run on the drive through terminals). So when I get an expense check, or any other check for anything, it has been a real pain in the ass to get it deposited. Just this past week, however, a new Bank of America branch opened right around the corner. I figured I would stop in and open an account that would just act as a slush fund, someplace to deposit my expense checks. No big deal. So I stopped in on my lunch hour and did all the paperwork to open the account. The guy who set it up for me was very nice, and in short order my new account was up and running. As he was handing me the packet of information with my account number and all of that, he mentioned that my debit card would arrive in the mail in about a week and that I would also get what looked like a visa card. He said that was just tied to the line of credit he had set up for my account as overdraft protection, and that I was welcome to cut it up or put it away, or I was welcome to use it like a credit card if I wanted. It has a credit limit of $6,500. My jaw just about hit the floor. Here I am, just going in to open a stupid little account that will likely never have more than about a hundred dollars in it, and I walk out with a healthy new line of credit (and at a very decent interest rate, I might add). Weird. Apparently I am doing something right.
As for work, I got all of my bugs cleared out for this release. As a matter of fact, I see that the 5.5.0.0 release actually made it out tonight, so I guess our 5.5.1.0 release is right on target for Thursday. There's some pretty nifty stuff in there, and some code that I am damn proud of (even if it *is* going to stay hidden for a few more weeks yet).
One other astonishing thing happened to me today. Kris wasn't particularly surprised, but for me it's the first time something like this has happened. One of the problems with the area we live has been that there is no bank nearby. When I want to make any kind of deposit to my credit union I have to drive about 25 miles, all the way over by the Florida Mall. I have to go on a weekday between 10am and 4pm, because I can't use the drive through (apparently the shared branch banking software doesn't run on the drive through terminals). So when I get an expense check, or any other check for anything, it has been a real pain in the ass to get it deposited. Just this past week, however, a new Bank of America branch opened right around the corner. I figured I would stop in and open an account that would just act as a slush fund, someplace to deposit my expense checks. No big deal. So I stopped in on my lunch hour and did all the paperwork to open the account. The guy who set it up for me was very nice, and in short order my new account was up and running. As he was handing me the packet of information with my account number and all of that, he mentioned that my debit card would arrive in the mail in about a week and that I would also get what looked like a visa card. He said that was just tied to the line of credit he had set up for my account as overdraft protection, and that I was welcome to cut it up or put it away, or I was welcome to use it like a credit card if I wanted. It has a credit limit of $6,500. My jaw just about hit the floor. Here I am, just going in to open a stupid little account that will likely never have more than about a hundred dollars in it, and I walk out with a healthy new line of credit (and at a very decent interest rate, I might add). Weird. Apparently I am doing something right.
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a) It's always good to get a lower interest rate. In fact, if you have your current debt on more than one card, you can use this one as a negotiating tool, threatening each other card that you'll transfer the balance to the new card if they don't lower your interest rate.
b) If you were near maxed out, then lowering your balance-vs.-available_+credit ratio will be good for your credit. The ding from the inquiry should fall off/become nearly irrelevant in your credit score in 6 months or so.
Anyways, personal finance is a hobby of mine, so if there's anything I can do to help, let me know.