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Woo-hoo! We just got back from talking to a loan officer at our bank about getting pre-approved for a home loan. We didn't do all the paperwork yet, but found out that even on our piddly little part-time jobs we've had since August we can get a loan for a minimum of $86,000 for a 15-year mortgage. Add in our $15,000 downpayment and we're looking at over $100,000 which, around here in middle Tennessee, can buy plenty of house. We were just hoping to get an approval for, say, $60,000 so this is good new to us.

We just got back from talking to a loan officer at our bank about getting pre-approved for a home loan.

Don't forget, however, pre-approval is nothing more than the banks willingness to put you through the rest of the meat-grinder. You didn't hit any of the very basic trip wires, so you have entered the maze ready to look for the cheese.

[Sorry to mix metaphors.]

Way to go with the new house hunt - excellent news.

Two buddies Bob and Earl were two of the biggest baseball fans in America. Their entire adult lives, Bob and Earl discussed baseball history in the winter, and they pored over every box score during the season. They went to 60 games a year. They even agreed that whoever died first would try to come back and tell the other if there was baseball in heaven.

One summer night, Bob passed away in his sleep after watching the Yankee victory earlier in the evening. He died happy. A few nights later, his buddy Earl awoke to the sound of Bob's voice from beyond. "Bob is that you?" Earl asked. "Of course it me," Bob replied.

"This is unbelievable!" Earl exclaimed. "So tell me, is there baseball in heaven?"

"Well I have some good news and some bad news for you. Which do you want to hear first?"

Earl excitedly replies, "Tell me the good news first."

"Well, the good news is that yes there is baseball in heaven, Earl."

"Oh, that is wonderful! So what could possibly be the bad news?"

"You're pitching tomorrow night."