Economy and the Markets

So the big headlines on the news today is DOW DOWN 300. Why is it that we didn't see at the beginning of the week DOW UP 250 or 98 the next day or UP 45? You will if you watch CNBC but not the regular news. Why? Because bad things get better ratings. Think about the last time you saw a story on the news that made you want to smile. I know it really is hard. They are out there just few and far between. We are headed for some rough times but the people of America are very resilient and things have to slow down sometimes, or greed needs to be corrected it's the way it is. All the sensational headlines though? Why listen to them, it is just depressing. Your 401K will come back, take a look at it though, have you been too greedy and put everything into one sector because it was the best return in the last year? A lot of people do that, it doesn't work. Something that goes up 5 years straight at 30% won't do that forever! Just like home prices can't go up 20-30% every year without some type of correction. Don't get me wrong I am not saying that people are not in trouble, but if you took a loan for something that you knew you would not be able to afford in normal times you shouldn't have. Hopefully we will get some regulation on the mortgage brokers who mislead people as well talking about it only being about "the payment". When I built my new house a few years ago before interest rates started going back up my mortgage guy tried to get me to do some crazy stuff, they were at 40 year lows! Think they will go down from there? Probably not! This country is pretty resilient, we will be fine, a few may have to hurt but it will get better. Stay the course don't panic and for goodness sake stop listening to the news! Just kidding! I love information, but take it with a grain of salt, and remember the "experts" that predict things are WRONG 70% of the time. Set goals and stick to them do not base decisions on emotion of fear!
"Be fearful when others are greedy, and greedy when others are fearful!" Warren Buffet

Spring Fever!

Sand Dunes, camping, boating I need it to be warm enough to do all of things! Andrea you totally have me crazy! I am not sure I can wait 3 1/2 weeks for the first trip! We should go to St. George or something! I need warm weather and shorts! Who is with me?

SPRING FEVER!!!

I AM CHOCOLATE!

I Love it!!! I am chocolate like that is a big surprise since I would eat it for every meal, if it didn't wreck havoc on my figure!!

TAGGED!

1. What time did you get up this morning? 7:00
2. Diamond or pearls? Diamonds
3. What was the last film you saw? Cloverfield, sooooo bad
4. Who always supports you? Grams
5. What do you usually have for breakfast? Protein shake
6. What is your first and middle name? Lisa Gayle
7. What food do you dislike? mushrooms
8. What is your favorite CD? Way too many for just one
9. What type of car do you drive? Expedition
10. Favorite sandwich? cheese
11. What characteristics do you despise? conceited
12. Favorite item of clothing? no idea
13. If you could go anywhere in the world for a vacation, where would you go? Figi
14. What color is your bathroom? tan, red & black. Blue, white & gray. Brown tan red & black
15. Favorite place to shop for clothing? Big rock, victoria's secret, NY&Co
16. Where will I retire? Retire? I take care of other peoples money I can't retire!
17. What was your most memorable birthday? Limo at 24
18. Favorite sport to watch? FOOTBALL (GO UTES)
19. When is your birthday? November 8
20. Are you a morning person or a night person? Night
21. What is your shoe size? 6 1/2
22. Pets? Two sweet dogs see side for pics!
23. What did you want to be when you were little? A singer
24. What are you today? Financial Advisor
25. What is your favorite candy? Chocolate, chocolate and more chocolate
26. What is your favorite flower? white rose
27. What is a day on the calendar you are looking forward to? April 19, HAWAII!!
28. What are you listening to right now? American Idol..... I know

29. Do you wish on stars? YES
30. Do you believe in Angels? YES
31. If you were a crayon, what color would you be? Princess Pink
32. Pet peeves? When people say or spell "fustrated" IT IS fRustrated with an RRRRR!
33. Favorite Television show? Grey's Anatomy, One Tree Hill, American Idol, ER, lots!!
34. Last person you spoke to on the phone? Dave, he's at the boat show
35. Do you like the person who sent this to you? Yes, but this many for my first tag??? Come on!
36. Favorite soft drink? Don't drink them
37. Favorite restaurant? The Crab Cooker NEWPORT!! Market Street Grill
38. Hair Color? Blond
39. Siblings? Three sisters and two brothers
40. What do you like most about yourself? Serious? Mabey my eyes I guess.....
41. What was your favorite toy as a child? Cabbage patch dolls! I want to buy one now!!
42. Summer or winter? Summer, wait for the great pic's to come!
43. Hugs or kisses? both
44. Chocolate or vanilla? Vanilla
45. What is under your bed? Um probably dust
46. Who is the friend you've had longest? Karly Marie!!
47. What did you do last night for dinner? Barbecued chicken and salad
48. Favorite smell? Candy apple lotion & downy
49. What are you afraid of? Spiders!!
50. How many keys on your key ring? One one 2, the other 12
51. Favorite day of the week? Saturday
52. How many towns have you lived in? Salt Lake City, Sandy, West Jordan, Brainerd, Laramie, Orange County, Phoenix, Roseburg I think that is all of them.......



I am tagging Andrea, Amy, Melissa, Megan, Lisa, & Liz

What Lisa Means

You are relaxed, chill, and very likely to go with the flow. You are light hearted and accepting. You don't get worked up easily. Well adjusted and incredibly happy, many people wonder what your secret to life is. You tend to be pretty tightly wound. It's easy to get you excited... which can be a good or bad thing. You have a lot of enthusiasm, but it fades rather quickly. You don't stick with any one thing for very long. You have the drive to accomplish a lot in a short amount of time. Your biggest problem is making sure you finish the projects you start. You are the total package - suave, sexy, smart, and strong. You have the whole world under your spell, and you can influence almost everyone you know. You don't always resist your urges to crush the weak. Just remember, they don't have as much going for them as you do. You are usually the best at everything ... you strive for perfection. You are confident, authoritative, and aggressive. You have the classic "Type A" personality.

What's Your Name's Hidden Meaning?

Really scary that most of this is totally me! My favorite part? Of course that I am the total package (my lucky husband)! Oh and that I am the best at everything!!

Friends Continued...

So of course because my cute friend Andrea was digginf around and finding old pictures, I had to do the same! I found this one that goes back even further!!! It is me & cute Karly Kinnersley (Mellen now)! We are seniors and 17! Okay really we don't look that much different do we? Okay we totally do but I think Karly's little sister Karalee took this and then Karly put it in this cute pink frame and gave it to me! The funny thing is I also borrowed this red polo jacket the same day this picture was taken and um.. I still have that too, so I guess I never gave it back! Okay here is a challenge, all of you need to go and find an older picture, scan it and put it on your blog! Friends, family it doesn't matter! It is really fun to look back so get looking!

Friends......

Then...

My really cute frien Andrea was reading my blog and reminicing and she came across some pictures of us at my birthday party in 2000! Oh my goodness that makes me feel old! But I realized that we still look FABULOUS!!! (if not better!) And that I am so glad that I have fantastic friends that stick by you and are there for you no matter what! Andrea you are so darling! And I can't wait until we have pictures

of our birthday's in another 8 years! Seriously what was I thinking with the leather pants??!!!!

Missing You.......

Stephanie.......

You inspire me to be

more thoughtful,

more patient,

more compassionate.

You motivate me

not with scolds or lectures,

but with the quiet example you set.

I look up to you;

I respect you;

I admired your gifts and your grace. I loved the way you walked your talk and lived your beliefs. Your integrity, character and authenticity, make me grateful that you were my best friend.

It has been 2 1/2 years since cancer took you from me and today is your birthday. I still think of you everyday and wonder how I have made it without you. I still talk to you, I hope you are listening, I think you are. I miss you so much. I know that you are in a place where there is no pain and you are thinking how crazy it is that I am crying over you because you are in a better place. But I still cry because I miss my best friend. Oh Stephie, you were taken way too soon and too young, there was so much we still needed to do together. Happy birthday to my best friend, I miss you and love you. It still hurts that your not here with me.