2016.

I haven’t written in a while.

Sure, I have sat down to write many times, but just couldn’t formulate my thoughts enough to do them justice. Until today.

If you could put a medical diagnosis on a period of time I would classify 2016 as bipolar.

bi·po·lar adjective
1.having or relating to two poles or extremities. “a sharply bipolar division of affluent and underclass”
2. (of psychiatric illness) characterized by both manic and depressive episodes, or manic ones only.

Seriously. You. Have. No. Idea. Or perhaps you do in your own world. If so, you are not alone in thinking that 2016 was bipolar.

I’ll begin with a bit of history, 2015.

2015 Seemed like the upswing of amazingness; bought a house, went on an amazing and romantic West Coast trip, got engaged, work was successful, my father was seemingly feeling better from his treatments, and I can actually remember being in the car smiling- thinking THIS IS AWESOME.

I remember immediately thinking after that- this will all come to an end soon. Well, then we welcomed 2016. Oh hello.

Here are some of the lows and highs of the year from my imperfect point-of-view.

Low: Terrorism is at an all-time high to where I am actually afraid to go anywhere.

High: I started planning our wedding! Date, venues, vendors, priests, wedding party, favors and dress. Check.

Low: Our political system went from stupid to something Cypress Hill would sing about- and now the writers of SNL have fallen into a deep hole of the same boring shit every week. We get it. You are bummed Hillary lost and you like mocking Trump. Can you please move the fuck on and bring back Justin Timberlake or Andy Samberg? Or both? Thanks.

High: The Ice Bucket Challenge actually made a breakthrough in ALS research!

Low: We lost so many people in 2016 that TIME MAGAZINE’s Person of the Year is the Grim fucking Reaper! I mean we lost the ultimate creator of the chick-flick, Willy Wonka, the crazy heiress who slapped a cop and married nine men, Professor Snape, the guy who invented that ice tea & lemonade drink that Gunnar and my father loves, the boxer who makes the argument in Coming to America’s barbershop scene come to a close, Dr. Jason Seaver, the Russian dude from the new Star Trek movies, an astronaut, “The Artist,” Patty Duke, Scrooge McDuck, Janet Reno, Natalie Cole, Grizzly Adams, Miss Cleo, Punky Brewster’s dad (on the show), the mayor who famously says “Bring me the Ghostbusters!”, the man who wrote Hallelujah, the guy who wrote Hotel California, Mr. Hockey, the author of “To Kill a Mockingbird,” Larry Sanders, R2-D2, Mrs. Brady, Bowie, the man who made the sentence “I want your sex” actually make sense, Princess Leia AND her mother, and SO MANY MORE. We have been depleted of so much talent. I fear for the tasteless and vulgar “comedy” stylings of the Amy Schumers of the world that we are left with. I miss the time when there was a little mystery and grace.

Side note: yes, I know I swear a lot, so I’m not saying that I am graceful. At all. I digress.

trust me, I know.
trust me, I know.

Moving on.

High: I got accepted into the MBA program at UNH for Spring 2017 and Brad got commended for saving a man’s life!

Low: Hatred of EVERYBODY is at an all-time high. I have never before seen anything like this and it scares me every day my husband puts on his uniform. People are being killed for the sake of being killed every single day. In America! I understand that comment might come off ignorant, as people have always died every single day, and now because of social media we are more aware of it, but it feels like its gratuitous sport at this rate. IT NEEDS TO STOP.

High: We got 10 chickens! I was told not to name them, but I did. I mean, I had to have a Cocky. Don’t worry- I kept Brad in mind as I named the biggest yellow one Clay Matthews. 

Low: We lost all but one of our chickens to a jerkface fox. You don’t know sad until you see 9 piles of feathers all over your yard. 🙁  RIP Chicken Cocky and Chicken Clay Matthews. That one remaining chicken now lives with our neighbors- who also have chickens. I suggested bringing him in the house to be domesticated, but I guess that isn’t a thing. I tried.

High: Brad finished our beautiful home inside and out. We bought a house, but Brad made it a home with his talent and craftsmanship. Work was good for us and our relationship has been stronger than ever.

Low: Brad lost the two women in his life who raised him. First his mother, Barb. Her failing health just overcame her very slim frame and she took her last breath in February. Then, in July, her younger sister Joanie followed. I don’t know exactly what took her from this life, but I truly believe it was a broken heart. They were best of friends. They were crazy, silly, Wisconsin-salt-of-the-earth women, with good hearts and bright red hair. They raised one of the most amazing men I have ever met in my entire life. Celebrities had nothing on these two women.

red and barb.
red and barb.

High: I got a job offer from an amazing company, Lindt & Sprungli. It was a hard decision to leave the Boston Globe, but the close proximity to home (for my father) and dream position of finally being able to create something had me hooked.

And now for the finale:

Lowest Low: My father’s seemingly dormant prostate cancer came alive and his failing health took an evil turn for the worst as it hit his liver. This was an extremely rare cancer, as apparently prostate cancer metastasizing to the liver doesn’t happen often (so I was told). The real hit was that he kept the actual state of his health from me- so I wasn’t prepared. I never really knew the whole truth. “All you get to know is that I am sick” was what he said to me. Finally, without wanting to be a burden on anyone, and with the full knowledge that he was losing his freedoms with every moment, he took his own life on June 16th. He was only 68. What I do know from this horrible loss is that my father loved Brad and Gunnar. He blessed our upcoming marriage. He blessed Brad as a son. He let me know how proud he was of me and that he loved me very much. He taught me to be confident within myself vs. seek approval. What I wouldn’t give to have him randomly show up, too early in the morning, for pancakes, bacon and orange juice- with pulp. We miss him every single day. I have now made steps to join the Death with Dignity movement. You should too because you never know what hand you’ll be dealt later. 

my father's first (and only) selfie.
my father’s first (and only) selfie.

Highest High: Brad and I got married in the most wonderful celebration I have ever known in Portsmouth, NH. Aside from the lows of the year, we were able to put it aside for one day and celebrate our love. We had friends and family come from all over the country to join us on this champagne and blush, with a touch of Tiffany blue day. We marched down the isle to the most beautiful music of Craig Armstrong (I walked in around the 6 min mark). Gunnar gave the most amazing best man speech on the planet. The music was fun and lively, by the talented Julie Kramer of RadioBDC. The event planner Casey at our reception space managed our small group of 100 like a pro. Holy good food! Just go there for dinner and imagine that quality of food-multiplied.  Nicole Friedler couldn’t have taken better pictures. Everyone got along and laughed the whole day. This might have had something to do with the open bar, but I’m going to take it. And sure, our wedding party was of comical size, and the flower girl refused to turn around for pictures, but we got it done….in a blue 488 Ferrari (Thank you, Ezra!). Our honeymoon on Key West and Little Palm Island was warm and offered the spoils we needed to congratulate us on our nuptials. We did it!

my favorite kiss.
my favorite kiss.

If you can believe it, there are some more lows and highs that have happened this year, but I’m a little spent rehashing all of it. I’ll leave it with what I have recorded and save the rest for another time. You get the picture anyway.

OH! Almost forgot- did I forget to mention today Brad and I have been together five years? Yep! Five years since that first day he opened the gate in my Chicago apartment, touched my hand and changed my life. We are spending the evening at a resort in Maine, and then back home to celebrate our first Christmas as husband and wife.

Mr. & Mrs. Von Haden
introducing the Von Hadens.

2016: So much loss, but so much love.

home.

It’s official: I’m an adult! Just went through the home-buying process for the first time. Well, not officially, as we close on June 23, but the paperwork is all done and approved. I thought I would run through the process for other first time home buyers, and give some tips for how to make it painless- and perhaps add some things you didn’t consider before. Both our mortgage broker and realtor have mentioned that I should teach a class on “how-to for the no-clue”, so I shall blog instead. I have had friends who have cried through the process, and others where it was seamless. Well, here is my experience.

We will get to decorating, redesigning, moving and Pinterest another time.

Tips from a first-time home buyer:

  1. Make sure you have a team that you trust- and is well seasoned. You can appreciate that your friend’s daughter is trying to build up her client list, as she just got her real estate license, but I’m sorry, she simply will not do for what you need. You need experience, savvy and balls. You are buying a home post 2008 subprime mortgage disaster, so the lenders are going to dig DEEP into your life before giving you a dime. Do you really want a 12 year old helping you with this? That’s what I thought. You need to have a team that has been around the block a few times. My realtor and mortgage specialist are AMAZING at their craft. If you are buying a home in NH/ME- TRUST ME and use these guys.
  2. Make a folder on your desktop to put all forms, PDFs and other information that is requested and sent to you. Save everything here. You will find that being organized and taking one little step to do this will make it MUCH easier, should a file get misplaced and you need to resend.
  3. When they send you forms to sign- print, sign and scan IMMEDIATELY. This way it is done. You won’t forget – and no one will be sitting around waiting for you. I often find that if a part of my job depends on getting information from someone else, I get very unhappy if I have to wait for it. Get it done.

    he who hesitates is lost. -english proverb
    he who hesitates is lost. -english proverb
  4. If you know there are other offers on the house, make your offer at least $500 over asking price- and keep in mind that the closing date your realtor sets might win the vote, not necessarily the price tag. Just ask Jessie.
  5. Make sure you have access to your original employment offer letter or contract. Make a digital copy, put it in the folder. They will ask for this information/proof.
  6. Ask your payroll department if there is an online portal to your pay stubs and to verify employment. Save the last two months from when you plan on closing.
  7. Pay down your credit cards to under 20%.
  8. Don’t buy anything big! Wait until you close to purchase that new furniture, car, TV, etc. I have a horrible shopping habit, so this one was hard.
  9. Be prepared that the appraisal of the house might be less than the asking price. The appraiser doesn’t take into account the market (low inventory). This person is only looking at the value of the home and the selling price of the homes in the area. If the appraisal comes in LOWER than the asking price- then remember that the bank will only give you a loan based on the appraised value. Which either means you have to come up with more money out-of-pocket at closing or you need to negotiate the asking price after you are already under contract- or both. Don’t be afraid to negotiate!
  10. If your parents are going to give you money for the down payment, make sure it is in your account 60 days prior to when the underwriters will see your account, unless they are willing to write a “gift” letter and show the underwriter a copy of their bank account. It’s super invasive, but they want to make sure you’re an honest person and not laundering money.
  11. Be prepared to explain your tax write-offs, and to have to write letters explaining every decision you made on your tax forms. They want to understand how much money you are actually spending and how this affects your income. Got excited you were able to write off a lot last year, so you got a big return check? Well, this is where that will bite you in the ass. I even had to explain how many miles I drive daily. Thankfully, this move brings me closer to work and they liked that fact. phew.
  12. Get better-than-you-need insurance by a real insurance company. I upgraded to Liberty Mutual– and combined all our auto and home on one rate. It’s more efficient, and while in college and post-college-ignorant-twenty-something years it was cool to skimp on monthly car insurance, this is the real world and you want to make sure the big boys are behind you. Sorry Flo. It’s not you, it’s me. Well, it might be you a little.
  13. Make sure you get a good home inspection and keep the digital receipt. This will come in handy, as the underwriter will request it. Be prepared that the home inspection will take a really, really long time. Additionally, considering the expertise of a honolulu plumber for a thorough inspection of the plumbing system could save you from potential headaches down the line.
  14. Just because you were “pre-approved” for the home loan doesn’t mean you will actually get the loan. There are still many hoops to jump through before the underwriter will give you any dough. It’s almost like those “pre-approved” credit card mailings you got in the mail in your twenties, when your credit was shit from poor college decisions. You might have the direct mail in your hand, but honey, there is no way you are getting that card. Sowwy.
  15. When starting to plan your move THROW SHIT AWAY. I have boxes of shit I have moved with me since college (I graduated in 2001), I am going to guess I don’t really need that stuff anymore. Just toss it. Purge! I even threw away 8 pairs of shoes. Gulp. I have not really begun packing yet, but I will soon and the less I have to pack/carry/unpack- the better. Oh shit, I said I would discuss moving later. I digress.

Side note: who is this “underwriter” I keep mentioning and what does that word mean? To the lay people (IE people not in the real estate industry) it’s basically the person who will be giving you the loan. Their opinion matters MOST. This is the determining factor on whether or not you get your home. The realtor and the mortgage specialist work for you- well, the underwriter works for the bank. I shall be sending cookies.

My last bit of advice would be this: Don’t forget to THANK the people who are helping you purchase this home! You have no idea how much work they are doing on your behalf. Most of the time, people are unappreciative and thankless. Well, just be sure to remind them from time to time how much their hard work has meant to you. Be sincere, damnit! We have got emails past 10pm and before 7am from both our guys- that’s working. We are plan on using food and libations to show our true thanks, but you can do as you choose. I’m sure a note card works just fine- or perhaps hyperlinked contact information in a blog post?

As long as you stay organized, act immediately and follow directions- it’s really easier than people let on. Either that, or my A-type personality was actually useful for once. That’s about all I can think of for now. We close on June 23rd on the new house and cannot wait! Pictures to come…

click photo for music by none other than the legendary motley crew.
click photo for music by none other than the legendary motley crew.