Spent all morning in the carnival helping kids play put-put. I love kids! Some of these kids have never played put-put and didn't even know how to stand with a club or hit the ball - BAD PARENTS!!! Made me SAD.

Met with the financial planner last night - we love him....he's so nice and not pushy at all. He really complimented us for being organized and disciplined - (ha ha - made me laugh) But he said having a 15 year loan was awesome and most people can't do that. We looked over every angle of getting the loan...HOme equity seems to be the best bet. So, the second application goes in next week.