We just got back from a fast, fun-filled, fruitful, fireworks-friendly family vacation in Southern California. That may explain all the calls and e-mails not answered. We did have computer access but little time or energy to do the right thing. We'll try to catch up before the next wild trip the end of this month.
As you can probably deduce from that last paragraph, Carolyn is feeling well and doing more than she probably should as she recovers from her surgery. The wound is healing as good as can be expected and all the indicators are pointing the right direction. Two weeks ago I said we were waiting for the other shoe to fall so that we'd have a better idea of what the next step will be. Well, we got word just as we were leaving last week so the word didn't get out. But... the good news is that it's GOOD NEWS!!
Based on the OncotypeDX testing, the recurrence risk of the cancer is low. In addition, there is no evidence that chemotherapy will improve the prognosis.
That means Good News and Good News. Low risk and no chemo!
Carolyn will need to proceed with hormonal medication which has some side effects similar to menopause.
Thanks again to all of you who kept us in your thoughts and prayers. We love you.
Tuesday, July 05, 2011
Friday, July 01, 2011
Another dumb business practice
Maybe its time I made a category for this topic.
My example for today came from a headline in our local newspaper which stated that home loans could not be restructured when the payments had been regularly paid. Implied, of course, was that loans for which payments had not been regularly paid could and would be restructured! Talk about an incentive to do the wrong thing. Certainly the timeliness and reliability of your payments is one measure of your financial standing but it is only one measure and a poor one at that. Can you imagine a loan officer saying to an applicant, "You've skipped on 3 loans and are behind on your car payment with a total delinquency ratio of 50%. So we have approved a $100,000 loan for you of which we expect you to pay back $50,000 when you feel like it. Here's your check. Have a good day."
Let's reward those who pay on time not those who don't.
My example for today came from a headline in our local newspaper which stated that home loans could not be restructured when the payments had been regularly paid. Implied, of course, was that loans for which payments had not been regularly paid could and would be restructured! Talk about an incentive to do the wrong thing. Certainly the timeliness and reliability of your payments is one measure of your financial standing but it is only one measure and a poor one at that. Can you imagine a loan officer saying to an applicant, "You've skipped on 3 loans and are behind on your car payment with a total delinquency ratio of 50%. So we have approved a $100,000 loan for you of which we expect you to pay back $50,000 when you feel like it. Here's your check. Have a good day."
Let's reward those who pay on time not those who don't.
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