Story 1, 2, 3

Couple of stories: (P.S. You can comment now if you're not a blog spotter, I changed the settings). "Woot!"

Derek and I are on a bowling league with my brother TC and his wife Ashley. Its pretty cool, (mostly because its scheduled fun for me with my crazy schedule)! :) Every thursday night we compete against another team. Last thursday was fun and a big reality check on my bowling skillzzzz. That night I had to catch up from where I was at in studying. I stayed up ALLLL NIGHT, (I wish I was kidding), reading to finish my section and get to the Quiz at the end of it that was due the next morning to "stay on track." I was halfway through the quiz when Ashley came downstairs to eat her Honey Combs. I don't remember even a word we exchanged back and forth as I was so disoriented. (Probably not the best time to take a section quiz, I know). :) But it was done, so that was good.

Friday Derek and I went to a Kalai concert with some of his friends. It was nice to do something fun for a change. We walked around the Gateway Mall this weekend which was also refreshing. Its getting colder every night. I can't believe summer is officially over!

Yesterday, Derek's sister Melissa had her second baby. 7 lbs 11 oz. 20 inches long. She is the first grand daughter in their family and they named her Raegan Jane Eror. She is beautiful!! Here is a quick picture of her, but will add updated ones later. Just a bundle 'o joy if I've ever seen one! Just like my niece. Married to that family or not, maybe I'll consider Raegan my niece too. LOL, Is that allowed? ;-)

My Ma, Pa, and bro J are coming into town this weekend for conference. I'm sooooo exciting! James was originally going to go home to WA and I talked him and mom into having him here because, "Hello!!!!" We haven't seen him forever and we WANT TO!!!! And cause he 'll be leaving on a mission soon, and Thanksgiving time will just not be enough of James time for us! Its time now! (I was very baised selfish about this and wanted my way). ... Dude, it worked!!! *Shy smile, evil giggle* More to report then for sure!!!

Off to study I go! *Whiiiiine* Thanks for reading!
...April*

It better pay off!

I'm going on my 11th straight hour of studying for my Series 7. Let me NOT fail to mention that its a Saturday oh, and my day off. Not anymore! No more days off till I can try to pull off this test. Everyone at Fidelity keeps saying, "This is the hardest thing you'll ever do," and "If you don't put your life on hold for 6 weeks for this licensing... you will not pass." I gotta pass to keep the job! :) Oh... and yeah... this picture is me, about 10 minutes ago. I didn't have anything else to write about because this is my life for the time being. *Deep breath of strength for new motivation and momentum*
Oh yeah... haha, and the saddest part about all of this...? Posting this blog is how I spent my break. Ha!!
I'm diving back into study H-e-double hockey sticks.
P.s. Hey, just to give you an idea... here is a practice test question in the Debt Securities section:

"A municipality has floated a $200,000,000 revenue bond issue. The annual level debt service requirement is $5,000,000. In the first fiscal year, the municipality has collected revenues of $8,000,000. The "Coverage Ratio" is:
Answer: The Coverage Ratio is: Collected Revenues/Annual Debt Service Requirement = Coverage ratio

$8,000,000 = 1.6 : 1
$5,000,000

Note that the Annual Debt Service requirement consists of both interest expense for that year as well as scheduled principal repayments for that year."

Now you see why I wasn't smiling in the picture!