Ricardo is so close to finishing school. He's also successfully raised the bar while ruining the grading curve. To the point where he was just notified that he was nominated and won a major award for his geniusishness. I am very proud of him. And also a little creeped out at the fact that he can ace grad school with such grace all while applying it. He is realizing he was already a critical thinker and do all that with kids running through the house - one with a giant machine nerf rifle. The other tattling that she just got shot in the head and the house rules explicitly state that no child shall aim their nerf weapons at anyone's face. And then the other's defense is always, "I wasn't aiming! I'm just 8 years old you know!" Yeah, Ricardo's rocking through grad school with all that going on.
The other night, we got into bed and he leaned over to me real sexy like and said, "Will you help me study my finance note cards, please?" Yeah, that's right, that's how hot we do it over here. We crawl into bed and study. Finance. I grabbed the note cards and asked him the question, it was an equation. And then I turned over the card, awaited his answer, and panicked. I knew I was done for. I was found out. My very low intelligence level was about to surface. I've kept it a secret this long. The finance note cards had equations that even if he'd said it correctly, I wouldn't know. Things like:
VB = A(PVIFA) + FV(PVIF$)
Crap. He's gonna find me out. How will I even be able to know if his answer is correct?
And then he rattled his answer off just like this: "Annuity times Present Value Interest Factor of an Annuity (that little A there) plus Future Value times the Present Value Interest Factor of Money (that little money sign there)."
That man knew I wasn't going to get it and not only got the damned equation correct, but in doing so, translated a finance equation so that I could understand it and help him study.
Next note card: Me: "Define Perpetuity."
Ricardo: "Perpetuity is a perpetual annuity."
Me: "Sounds like a George W. made up word. "
Ricardo: "Next card please."
Me: "Find the value of preferred stock."
Ricardo explains the correct answer.
Me: "I guess you're right, but I think the value of Preferred Stock at Walmart right now is probably $18.88. It's a cologne."
Ricardo: "Uh, sure. Next card please."
Today, I was helping Lucy make cupcakes for their 1/2 birthday - that's her justification, not mine. But who am I to argue? Meanwhile, Ricardo was quizzing himself for his Finance class. This time he had his own notecards with terms and was checking the equations. Lucy was shouting the number "2" for every answer.
Ricardo humored her with, "Close, sweetie. It's the annuity times the present value interest factor plus the future value times the present value interest factor."
I finished my very important task of responsible parenting: putting the cupcakes in the oven; and looked up while Ricardo was mid-sentenced in one of his equation answers only to find he was actually not reading the answers. He didn't even have it memorized. He just knew it. Impressive. And annoying.
"Wow baby, you just remember this stuff?"
He very humbly replied, "Well yeah, you have to."
Uh, not if you're a Communications Major. But as a Master of Communications - I'm happy to acknowledge that I may not finance well, but we all communicate- very effectively here. I'm also certain that Ricardo knows to keep all that Finance to himself. It's our silent deal. Our love language.
That's how I roll.
Song of the day: Murder By Numbers - The Police
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