House Officially Refinanced

We’re a fan of big wins, and refinancing our Mortgage has probably been one of our biggest.  It’ll take about 4 years to recoup the costs of refinancing by what we’re saving monthly but overall the savings are huge.  We’ll be saving over $60k in interest over the course of the loan.

It was a bumpy ride but we learned a lot along the way.  Mostly, that NY sucks and banks are thieves.

  • A Refinance is no different than an original mortgage.  It’s treated exactly the same.  Almost as if your buying the house from yourself and you have to pay all the fees.
  • Monroe County charges a totally unreasonable Mortgage Tax
  • Title insurance doesn’t make any sense.  It’s good for the life of the property but you have to pay it again when you refinance.  No refund, no discount.
  • Banks charge outrageous fees.
    • Loan Origination Fees
    • Commitment Fees
    • Application Fees
  • Bank require you to pay their lawyer fees on top of all the fees they charge you to begin with.

Lots of fun huh?  Good thing it’ll be worth it in the end.

The Legend of The lightning Eagle

Legend of Lightning EagleI’m a published author, didn’t you know? Apparently in 1991 I wrote some goofy story about an Eagle and they published it into a little bound book.  Just found it in a pile of stuff from my mother.  Kinda funny.  I was 8 so be gentle…

The Legend of the Lightning Eagle
by: Randy A Aldrich
Published in the Marion Elementary Publishing Center 1991

A long time ago, there was an Eagle who lived in a huge nest.  He loved to fly above a big open field.

One day when he was flying he decided to go into town.  When he did, people saw him and tried shooting him.  Then he flew back to the field.

The next week he went back, but during that period he learned to fly very, very fast.

When they tried shooting him, he flew as fast as the wind.

When he went back to his nest during the night, people thought of a name for him.  “It is done then.  His name is Lightning Eagle,” said the counselor.

They told everybody in the town.  The very next day some kids started a club.  It was called the Lightning Eagle Club.

That day he flew into town.  He was very surprised because no one shot at him.  “Why aren’t they shooting?” he thought.

The people in the Town yelled, “We’re not going to shoot you.  We even made a name for you — Lighting Eagle.”

About the author: I am 8 years old.  I like to play baseball during summer vacation.  I like to go for rides on our boat and go to the thousand islands.

It is done then.

A Saturday full of Hockey

The Labatt Blue Rochester Pond Hockey Regional was this Friday through Sunday. Saturday morning I took it in for an hour or so & It was sweet!  It was great for the town as well.  Lots of people heading in to restaurants, lots of added business for the shops and vendors on an otherwise freezing cold non-inviting snowy February day.

After picking Rachel up at work we headed out to Henrietta and managed to catch about 20 minutes of Liams Hockey game at the ESL complex.  That kid is gonna be a hockey star some day.  He’s been skating since 18 months old and he’s crazy competitive.  I see scholarships & drafts in his future.

I Drove a Dodge Stratus

You can talk to me that way now… I drove a dodge stratus.

I’ve never named any of my cars.  I know some people name every one, and really if I were to ever name a car, I should have named my Stratus.

Giving it up is like giving up the last piece of my youth.  That said: On to the next exciting chapter in my life: Minivans (no not really), mortgages and daycare.

We’re picking up our new ride as this post goes up.  A new-to-us 2007 Honda CRV EX-L.  It’ll be the first foreign car either of us have ever owned (not counting the Stratus which for all intents and purposes was a Mitsubishi).  It’ll also be the first SUV.

I expect nothing but good things from the Honda.  It might even get a name.

Eddie & Jack "Legs" Diamond

Looking for possible reasons why the Diamond Sportsmen Club was renamed from the Barney Pond Club I stumbled across the story of Eddie & Jack “Legs” Diamond.  It probably has no correlation with the Diamond Sportsmen club but it’s an interesting story from the Adirondacks so I thought I’d share it.

Apparently Saranac Lake, a town just down the road from the Diamond Sportsmen Club, was an international center for the the treatment of pulmonary tuberculosis.  I had no idea.  Either way, that’s the basis of the story of Eddie Diamond & “Legs”.

Brotherly love showed soft side of notorious hood
By Bill McLaughlin

It’s eminently understandable! An aura of secrecy always surrounded Jack “Legs” Diamond’s visits to Saranac Lake.

He had already earned the title “Clay Pigeon of the-Underworld” having been riddled with shotgun pellets on seven separate occasions, the most slugs his slender body had ever absorbed at one time was 81 during a shootout at Cairo, N.Y.

It was accepted as inevitable that Legs would die “by the sword” as he had lived that way ail his young life. It was just a matter of “when?”

Enemies from both sides of the law had him continually in focus, and with guns cocked whenever and wherever he was spotted.

His gangland cronies depended upon his masterful handling of the Prohibition intricacies. His equation for success was 200 percent profit for 100 proof booze!

When FDR as governor launched an all out war on the colorful felon the Volstead authorities catalogued his liquid assets at $10 million dollars stored in widely scattered warehouses.

If illicit suppliers leaned too heavily on him, he paid his debts in lead. He was hated, feared, admired and generally targeted for extinction.

Legs had one soft spot in his heart. He loved his brother Eddie and would have sacrificed every nickel he owned to bring him back to health. Tuberculosis had ravaged Eddie, who was not nearly as tough and durable as Legs.

Jack sent his brother to various western sanatoria to cure but with little success or improvement recorded. He ordered Eddie to Colorado on one occasion and belatedly found out that hit men were setting him up as a means of vengeance against Legs, who had angered some top professionals including Arnold Rothstein. Legs quickly put his own plan in motion calling in some regional IOUs. When the smoke had cleared five gangland victims were laid out in the Denver morgue. None of them was Eddie.

Jack was familiar with all convenient Prohibition routes between New York City, Albany and Montreal. The bootleg arteries ran close to Saranac Lake. The community was widely recognized as a tuberculosis haven and the prevalent Trudeau legends indicated that cures were attainable at high attitudes.

With the double worry of Eddie’s failing health and the Colorado experience, Legs wanted him closer to home where he could keep an eye on things.

Since the name “Trudeau” signified progress in halting the dreaded white plague, Jack put Eddie, under the care of Dr. Francis B. Trudeau with the admonition that his brother should have the very best medical expertise possible and that expense was no object.

From time to time, Legs would be reported in the village disguised as a heavily-veiled woman or wearing the habit of a nun. Scarves were also worn around the face to protect from the cold.

His favorite hotel was the Riverside Inn, a five-minute taxi ride to No. 6 Shepard Avenue, the “Hemorrhage Hill” section where a very weakened Eddie was drifting even closer to death’s door.

Doctor Trudeau attended Eddie Diamond from Jan. 8, 1929 to January 14, 1930. His medical report stated that he last saw Eddie alive on Jan. 14 at 10 p.m. He died before midnight.

The report also stated that Eddie had been suffering, from pulmonary tuberculosis for two years and nine months, and that the disease had finally spread to his intestinal tract. It was listed as a contributing cause of death.

There was no autopsy. Willis Currier, a local undertaker (license- 509) prepared the body for shipment to New York City acting on orders of Charles Higgins, of 7901 4th Ave., Brooklyn.

A very special “truce” of respect was in effect among rival gangsters at the metropolitan funeral home where Eddie was laid out amid floral splendor.

Gangland’s elite (gunless) hobnobbed with cops who infiltrated the mortuary rooms looking for “most wanted” suspects who might turn up at such a function.

Edward Diamond was 27 years, 6 months and 5 days old when he expired that winter night on Shepard Avenue. He left a widow, Catherine Donahue Diamond, and a son, Johnnie.

But Legs of the charmed life was to follow shortly. He was shot through the head several times by unknown assailants on Dec. 18, 1931 at about 5 o’clock in the morning as he lay drunk in bed at his Dove St. rooming house in Albany.

Perhaps stranger still and nearly as rapid was the departure of Leg’s wife, Alice, who was also shot by person or persons unknown. She had been drinking coffee at her kitchen table in Brooklyn on June 30,1933, when. a visitor placed a .38-calibre pistol to her temple and fired once.

Once was enough. Alice was 33 at the time of her death.

Saranac Lake occasionally has reason to treasure bits of selective notoriety and. colorful anecdotes with cosmopolitan appeal But all too often these sequences of historical fact, are being lost and are rarely recoverable in their original mint condition.

Originally posted on HSL Wiki.

1998 Europe Travel Journal

I found the following Travel Journal in a bag of my old stuff given to me by my mother.  It’s from my from my Trip to Europe with school in 1998.

I’ve provided it below, unedited And awesome. I’ve left it mostly intact and punctuation preserved for your enjoyment.  Go ahead and laugh, I did.

4/16/1998

Books are the legacies that a great genius leaves to mankind which are delivered down from generation to generation as presents to the posterity of those who are yet unborn. ~Joseph Addison, Chicago Cultural Center (former library)

I expect Germany will be like country kind of towns with lots of public transportation and then in the big cities more very modern looking buildings and I expect the people will be very friendly.

4/17/1998

The towns here just kind of end.  And then there is nothing for miles.  Walking in Rothenburg was like walking back a few centuries.  Even in the smallest town, which is where we are staying, there is a bus stop.

4/18/1998

Today we went to Dachau.  It was interesting.  There were many more concentration camps than I thought there were.  I guess we only hear of the big ones.  I also learned that Dachau’s gas chambers were never used to kill anyone.  The gas chambers at Dachau were never used and nobody knows why.  It was strange being at one of the Nazi concentration camps where people actually died by the hundreds.

4/19/1998

We had to get up at 5:45 this morning which meant I got about 5hrs of sleep.  That stunk.  We headed out to Neuschwanstein, Ludwig II‘s castle.  When we got there we hiked up the mountain to the castle and toward it.  After touring the castle we went up on the bridge that was a few hundred feet high.

4/20/1998

Today was travel day.  We have to go to Venice which is about an 8hr trip but we stopped a lot along the way.  Our travel plans were sort of changed because of some snow conditions.  Instead of going to Innsbruck on the way to Venice we stopped at Salzburg.  That was just as good because Mr Stoker lived there for a while and showed us around quite a bit.  I bought some spoons there while shopping and a chocolate pretzel which was very good but was so rich I could only eat 1/2 of it. When we got to Venice it was suppertime and we had pasta and then some viel stuff hat I didn’t like at all.  After all that just our group went out and walked around the town we were staying in (not Venice but close).

4/21/1998

Today was the best shopping day so far.  When we got up we ate (the same thing for the 6th time in a row) and then took the bus to a boat.  When we got to the boat we had to wait about 10 minutes before they got started.  Then it was about a 15min ride.  After that we took a 2hr tour around Venice and saw the “sights.”  I imagined Venice to be much better than it was, but it was really a dump.  But I suppose if you build a city on top of water it will tend to do that.  We had freetime for about 6hrs and then went back to the hotel.  The worst part about the day was it rained for most of it.  In Venice it normally is quite whet though, so…  They even have planks a foot off the ground to walk on in case what they call a (double high tide) happens.

4/22/1998

This morning we left from Venice for Verona and then on to Lucerne.  Today for once it’s not raining.  Big surprise!  It’s travel day and it’s not raining because we’re not doing anything.  It took about 10hrs to get from Venice to Lucerne.  I only got about 1hr of sleep on the bus.  When we got to Luzern nothing really happened, we ate then hung out for a while and went to sleep.

That’s it.  Which is really sad, because Lucerne was my favorite part of the trip.  I think Switzerland really spoke to the outdoorsman in me.  This makes me wish I had kept a real journal of everything.

Saranac Ice Palace

The 2010 Saranac Lake Winter Carnival is about to kick off and I was planning on stopping by. My parents visited the Ice Castle last year and I never got the chance so it was on the list for this year. You can see a Time Lapse of the build from last year below:

They started building the one for this year this past week and you can watch the progress on the Webcam below (updated every few seconds):

Ice Palace Webcam

With all the rain and the warm temperatures… It doesn’t look good for the palace, but here’s hoping it only slowed the process and didn’t kill it.

Hope I get to see it this year.

Our First Climb – Crane Mountain

In 2005 we climbed our first mountain (Crane Mountain) together. I had climbed a few in the past but this was our first together.  We were spending a week in the Lake George area and what better way to explore the region than from above?

ladderWhile not the tallest mountain we’ve climbed, it was pretty intense with several incredibly steep rocky sections.  One of the steepest sections even had a ladder, which was good because being our first mountain together… we didn’t exactly have scaling equipment.

As is always the truth in the Adirondacks, the views from the top were simply amazing.  It was on this climb that we really learned how rewarding such a strenuous hike can be.  On our way back down we passed by a little pond and it was so hot  we were going to take a dip.  However; when we took a closer look we realized it was infested with leaches.  Nice!

It was really a good choice for our first Mountain Climb.  The trail wasn’t that long, but intense, and the views were stunning.

We might go back some day, maybe with the little one.

Crane Mountain will always hold a special place in our memory.

We Came We Saw We Crawled (In Rome)

Pub CrawlWhen Charles, Rachel and I visited Rome in 2005 the last thing I expected to do was drink until the sun came up.

That’s exactly what happened.

We stayed in the Yellow Hostel in the middle of Rome and, although we didn’t know it until the second night, we were bunking(in the same room not the same bed) with two Australian girls in town for the weekend from their Nanny jobs in Milan. Rachel quickly made friends and what do you know but they both had a thing for partying.  They told us about this pub crawl starting at the Spanish Steps they had heard of:  $25 for a t-shirt, a drink and deals at every bar/club and a night of spending time with people from all over the world drinking till we forget it happened!? Sweet, where do we sign?

We literally drank until the sun came up and we had to catch the bus to the airport to fly back to London. One of the girls didn’t come back with us. No news on how her night went, but since she went home with one of the guys on the crawl with us, you can draw your own conclusions…  Our reward for the night was a shirt that said ‘We came we saw we crawled’ that lasted about 5 washes and a hangover (on the Ryan Air plane) that you wouldn’t believe.

Seriously though, we had an awesome time and have some great stories to share. Getting kicked off city buses in the middle of nowhere, BJ contests  in the bar, drinking beer at the top of the Spanish steps, drunken German speak, drunken French speak. Good times.

That said, if you get a chance to pub crawl in Rome, Do it!