I think that when the puppy comes, we may put Crianza back in school when the puppy goes to school. The hard part, of course, will be working with them individually, as they're going to be competing intensely for our attention.
In other news, I'm seriously revisiting the idea of home expansion. I briefly ran into my friend who helped me with my original home loan and then my refinance, and he suggested that I explore the idea a little given how low interest rates are right now. I plugged my mortgage numbers into a calculator and can shave about 30 percent off my monthly payment if I refinance. (Assuming, of course, that I qualify for the good rates, and it would add on five years to getting my house paid off.) I now need to look very carefully at how much it would cost to actually do the expansion, and then look to see if I qualify for a home construction loan and if so, how much the construction costs would cost me monthly.
And so far, 2009 has been a vast improvement over 2008.