Saturday, October 25, 2008

A Few Pictures to Appease:

Giddy-up!!....Rusty's Halloween costume that he hates. Poor baby doggy!

............see how annoyed he looks in this pic above.............

A couple of Kari & Rob's engagements. These are proof's, but I absolutley love the work this guy does. To view more of Scott Sumner's work go to: I think Kari & Rob make an adorable couple!!!

And....Next season on "Dancing with the Stars":

Don't forget to vote for your favorite :)

Tuesday, October 21, 2008

I think I'm gonna cry!...

I'm just so happy!!!!...look at today on MSN:

Finally, under $3.00!! 2 years ago this wouldn't have been so happy, but for today it is GREAT!

And look at what the lowest gas price is in the USA today:

WOWZER! I'm out, see you in Oklahoma.

Sunday, October 19, 2008

Grocery shopping at Walmart is not and never will be fun!

In the past couple of weeks...

On October 5th my sister Kari got engaged to Robert Bruderer. They have been dating for the past couple of years and make an awesome pair. They're getting married in the SL temple on the 21st of November which is really close, but great for planning purposes because everyone like the photographer and such, are free. We love them and are excited for them! CONGRATULATIONS!!!!

It's Fall! This is my favorite time of year!! Beautiful colors, cute sweater and jacket weather, perfect temperatures, etc etc etc

This is Tyler's newest purchase...Let me just tell you that Tyler is my "Joe the Mechanic". If for whatever reason he ever loses his job, he has a trade/skill that he can fall back on and make a decent living. A couple of years ago he bought 2 snowmobiles for just under $400.00. He worked hard and got them in working condition and had some fun with them and in the past couple of weeks got $1000.00 EACH for them on KSL. He then used that money to put towards this newer one.

(Please ignore our old couches on our back porch, we plan on sending them to the DI this week, unless anyone could use some extra couches...we really aren't pack rats).

The weekend before last, we went to visit my Grandparents in St. George. In the past few years they have become snowbirds and have a 2nd home down there and live in Tremonton in the hot summer. It was fun to just hang out with them and also we went to Zion's National Park, the place where Ty and I went on our honeymoon. Unfortunately it was rainy and cold down there, but we all still had a good time.

Grandma and Grandpa Robbins

A Perfect Horseshoe game...HAHA

Mom & Dad

Pretty even in the rain

Wild Turkeys...aka Thanksgiving dinner

A couple of Tuesdays ago Ty took me to the Weezer concert. I LOVE THEM. And now that I've seen them in concert I LOVE THEM even more. This band was introduced to me by my friend Gina back in 2002ish, and I am a fan! It has always been somewhat of a dream to go to their concert, but they haven't been to Utah for a while. Well, right when we found out that they were coming to Utah was right around my Birthday, so it was a VERY Happy Late Birthday for me!!

This past Friday, we carried out our long-standing tradition (4 years) and carved pumpkins with some of Ty's friends. It was a good time!

And Finally...
I don't have to drive to Farmington anymore!!! LDS Family Services is now located in Layton, Utah. We had the dedication on Wednesday night. Our facility includes us, the distribution center, the DI, the employment office, the bishop storehouse, and the home storage place. It's the first of its kind anywhere and pretty cool, so if any of you would like to see it come and visit me! We all were expecting President Monson, so the place was packed, but at the last minute Bishop H. David Burton came. I was touched by his comments and was so glad that I went to this special meeting.

Friday, October 10, 2008

Can't Wait!!!!!!!!!!!!!!!!!!

This comes out on the same day that my sister is getting MARRIED!!!!!, so I will be seeing it on the day after (the 22nd)...more on Kari's engagement later :)

(push pause on the music player...and yes,...go ahead and watch it over and over again.)

Thursday, October 9, 2008

If this picture offends you II

I posted a funny picture a while back of a guy in a Walmart bag. This one is cuter and perfect for this time of year:


One of my professors read us this article this morning. It's kind of interesting that this article was written almost exactly 9 years ago. I bolded the parts that I thought were interesting...

Fannie Mae Eases Credit To Aid Mortgage Lending

Published: September 30, 1999 - New York Times

In a move that could help increase home ownership rates among minorities
and low-income consumers, the Fannie Mae Corporation is easing the credit
requirements on loans that it will purchase from banks and other lenders.

The action, which will begin as a pilot program involving 24 banks in 15 markets -- including the New York metropolitan region -- will encourage those banks to extend home mortgages to individuals whose credit is generally not good enough to qualify for conventional loans. Fannie Mae officials say they hope to make it a nationwide program by next spring.

Fannie Mae, the nation's biggest underwriter of home mortgages, has been under increasing pressure from the Clinton Administration to expand mortgage loans among low and moderate income people and felt pressure from stock holders to maintain its phenomenal growth in profits.

In addition, banks, thrift institutions and mortgage companies have been pressing Fannie Mae to help them make more loans to so-called subprime borrowers. These borrowers whose incomes, credit ratings and savings are not good enough to qualify for conventional loans, can only get loans from finance companies that charge much higher interest rates -- anywhere from three to four percentage points higher than
conventional loans.

''Fannie Mae has expanded home ownership for millions of families in the 1990's by reducing down payment requirements,'' said Franklin D. Raines, Fannie Mae's chairman and chief executive officer. ''Yet there remain too many borrowers whose credit is just a notch below what our underwriting has required who have been relegated to paying significantly higher mortgage rates in the so-called subprime market.''

Demographic information on these borrowers is sketchy. But at least one study indicates that 18 percent of the loans in the subprime market went to black borrowers, compared to 5 per cent of loans in the conventional loan market.

In moving, even tentatively, into this new area of lending, Fannie Mae is taking on
significantly more risk, which may not pose any difficulties during flush economic times. But the government-subsidized corporation may run into trouble in an economic downturn, prompting a government rescue similar to that of the savings and loan industry in the 1980's.

''From the perspective of many people, including me, this is another thrift industry growing up around us,'' said Peter Wallison a resident fellow at the American Enterprise Institute. ''If they fail, the government will have to step up and bail them out the way it stepped up and bailed out the thrift industry.''

Under Fannie Mae's pilot program, consumers who qualify can secure a mortgage with an interest rate one percentage point above that of a conventional, 30-year fixed rate mortgage of less than $240,000 -- a rate that currently averages about 7.76 per cent. If the borrower makes his or her monthly payments on time for two years, the one percentage point premium is dropped.

Fannie Mae, the nation's biggest underwriter of home mortgages, does not lend money directly to consumers. Instead, it purchases loans that banks make on what is called the secondary market. By expanding the type of loans that it will buy, Fannie Mae is hoping to spur banks to make more loans to people with less-than-stellar credit ratings.

Fannie Mae officials stress that the new mortgages will be extended to all potential borrowers who can qualify for a mortgage. But they add that the move is intended in part to increase the number of minority and low income home owners who tend to have worse credit ratings than non-Hispanic whites.

Home ownership has, in fact, exploded among minorities during the economic boom of the 1990's. The number of mortgages extended to Hispanic applicants jumped by 87.2 per cent from 1993 to 1998, according to Harvard University's Joint Center for Housing Studies. During that same period the number of African Americans who got mortgages to buy a home increased by 71.9 per cent and the number of Asian Americans by 46.3 per cent.

Sunday, October 5, 2008

Hola Octubre!!

Not much as been going on these last couple of weeks. Just mostly school and work.

However, we are SO EXCITED for Halloween!!!!...Because we get to carve pumpkins!

And eat Candy Corn

And watch scary movies!

And isn't this just the most adorable baby costume in the world?

I have decided to stop drinking soda pop. I am 4 days into it and feeling fabulous. After chatting with a co-worker, I had forgotten about an article that I had read saying that sugar ages you among other things. A little never hurt anyone, but I probably drink a little much, so I am going to see how long I can go without this scrumptiousness.

And look...Tyler is a domestic diva. Isn't this picture great :) !

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