September 30, 2009
A Place for Everything and Everything in its Place!!
September 22, 2009
Change of Plans
Family Vacation
September 3, 2009
Whirl Winds!

Well Yesterday was supposed to be our closing date.... yet we are still waiting for the loan underwriters to finish reviewing our information. I called the mortgage broker EVERY day and asked how things were going and if I needed to get her any information. Every day she would assure me we were fine and on track and that it would all happen fast. Well we submitted our papers 2 weeks ago and she calls and says we need letters saying our student loans are in deferrment. But josh's school had just started and they hadn't sent out the letters yet and I was just barely accepted into a program so we had to scramble to figure something out. Well it ended up taking us an entire week! So that put us just right on schedule but we needed everything else to go fast or we wouldn't be able to close. Well then after another week with the underwriters, they decided the papers we gave them on the student loans weren't good enough and they wanted something straight from UHEAA on Josh's loans. So he and the broker called back and forth all day trying to get it figured out. So now we are thinking that was the last of it and after we turned that in they would give us final loan approval and we could order the documents and sign this week still. NOT A CHANCE!! Today I called first thing in the morning to make sure they got the paper they needed. Well all Hell had broken loose over the title. The title report that our real estate agent and broker received was clean but the report the Mortgage broker/underwriters got from another source was not clean. The house has sold so many times in the last 6 months it sent up red flags. But the wierd thing was it just kept switching between 2 people back and forth. Then the bank forclosed on it when they only owed like 20,000 and then 3 months later is was back in the same name as before the foreclosure! So bizzare! So no one could understand what was going on and they suspect some fraud so they have people from all sides of this thing trying to get it worked out. I have been waiting patiently all day to hear whats going on... So if the title is not clean like we thought, we won't get the house because its to much of a risk. So everyone please cross your fingers and keep us in your prayers that it will work out this time!! I keep trying to remember the saying "Faith in God includes faith in his timing". But I am getting so stressed out. Not to mention that we don't know yet how we will pay for my hygiene school and I have to pay $16,000 in 1 month.
August 19, 2009
August 17, 2009
White Coat Ceremony
Saturday August 8th was Josh’s white coat ceremony for dental school. In the morning there was a combined convocation for a few of the colleges where the deans of those schools spoke and the president spoke and they gave some encouraging words to the students. It was so cool to hear them talk about the future of health care and the wonderful providers that this class will become. Josh is going to be part of something huge and it is very exciting to see the beginnings of that. Then at 11:00 the individual colleges broke off and did their own white coat ceremony. This is a tradition that medical schools/dental schools do to give the students their sense of belonging so to speak in the health care community. The white lab coat is a reminder of their responsibility to the thousands of patients they will serve throughout their careers. Josh’s class has 12 different countries represented and over 14 different states. They are an extremely diverse group and I think that it is going to be a very interesting 4 years and will help us gain a tremendous amount of life experience. Doctor Bill Tenpaz was the key note speaker. He was the president of the ADA and also was part of many dental organizations including his own successful practice. He gave a very inspiring speech about being the right kind of dentist. He said that the oppurtuntity to have this quality education is one thing, but it is the responsibility of the students to get the most out of their educations and to make it mean something. He also said that how you handle dental school is a blue print of how you will handle your career. Tenpaz talked about how important the dental field is in the overall medical community. There are many diseases that manifest themselves in the mouth that a dentist can recognize and make arrangements for it to be dealt with further. It really gave us a sense of responsibility and pride for our career choice. He also urged the students to get involved in their communities and to share their abilities and talents with those around them. He gave them a word of advice to apply to their careers “ Don’t be the first and don’t be the last”. Also, he said to remember that what really matters is your family and your reputation and that it is a privelage to practice, not a right so they should be respectful of that. Where much is given, much is expected. He urged to have goals and to dream big but also to enjoy the journey. “If you have a lot in the bank but nothing in your heart, you have nothing.” I was so proud of Josh, to see him receive his White lab coat with his pin and everything was just so emotional. He has worked so hard to get to this point and I know that he is going to be a wonderful Dentist. He is already a wonderful husband and a great friend, and a good person. This is going to be a lot of hard work and require a lot of sacrifice and dedication but I know that he can and will do amazing things. I love you Josh, keep up the good work babe!!




