rd = r* + IP + DRP + LP + MRP

Many apologies for not posting yesterday. It seems that the first week of Financial Management is much harder than I anticipated. Much of it is review from accounting, but some of it is brand spankin' new. Like calculating corporate tax liability given interest and dividends (received and paid). And bond yield given inflation premium, the real risk-free rate (catchily termed r* - which the author of our text book felt necessary to tell us is pronounced "r-star"), default risk premium, liquidity premium and maturity risk premium.

It's pretty easy when you realize
rd = r* + IP + DRP + LP + MRP

Mmmmmm. I loves me some alphabet soup.

So our typical evening goes a little something like this:

1. Get home from work, pick up Zozer. (5:30-5:45ish)
2. Make, eat and clean up dinner. (6:30)
3. Play with Zozer. (7:45)
4. Bathe Zozer and do the nightly routine (brush teeth, naked baby run, lotion on the bay-bay, kiss animals goodnight, fly Owl around the room, hugs and kisses, sweet dreams) (8:00)
5. Immediately head into dining room, open the laptop and the textbook, and groan. (8:05)
6. Work on homework for 3.5 to 4 hours. (12 - 12:30 a.m.)
7. Compare notes, then get into an argument over the definition of intrinsic stock price because we think about things differently and, because it's now after midnight and we're exhausted, we have no tolerance for anything the other person might say that's even one letter different from what we've written. (12:31)
8. Fall into bed (12:45), then fight the urge to throw the alarm clock against the wall when it goes off (5:45 a.m.)

It's not all that bad, really, and I know that the rest of the term won't be like this (for example, this first week involved four chapters, whereas all the rest involve two at this most). So I'm holding out hope that I'll be able to make images again soon and play in my digital darkroom.

Some Zoe highlights, for the Zoe Fans out there (and so I can get this stuff documented so I don't forget):

1. She calls trashcans "trashtrans."
2. She loves to sing Twinkle Twinkle Little Star, and substitute names for "star." "Twinkle twinkle little Mommy! Twinkle twinkle little Daddy! Twinkle twinkle little Hootie!" She cracks herself up with each one.
3. She wakes up each morning and tells us that she slept well, but Hoot snored.
4. We got a coupon from PetSmart in the mail a couple days ago, offering a free birthday gift for our cat (with a purchase of $10 or more, natch). Zoe saw it and, before we knew it, was laying on her belly on the floor in the kitchen, personally singing Happy Birthday to Max. He looked nonplussed.
5. She pronounces birthday, "birsday."
6. Peanutbutter and jelly sandwiches are "peter-jelly sandwiches." And they are her favorite.
7. Her favorite song is still Snow by The Red Hot Chili Peppers.
8. She wears hair barrettes every day, and must pick them out herself. This week she's taken to wearing her hair clipped up in a messy French roll, with little curls falling out here and there. It's adorable.
9. She announced last week, "I love clothes." Yet, she's never happier than when she's running naked through the house.
10. Her new favorite thing to do is hang out on Mommy and Daddy's bed and make Pillow Houses. Whereas she crawls inside and then instructs us, "Look for Zoe!"

Well, I've eaten my Cheerios (the smallest person in my home decided a couple weeks ago that Raisin Bran is now her favorite cereal, which means we're all out of Raisin Bran and now Mommy is relegated to eating Zoe's Cheerios, but Mommy cheats and dumps a boatload of sugar on them to make them palatable) and updated the blog, so it's off to one of our other locations to get 'em all trained up on the new spa software that I just had to insist we get all those months ago. Stupid technological advancements.

Might actually be able to play in the darkroom tonight, as we completed and submitted our homework last night (well, this morning, at 12:30). It'll be nice to have a night off.