Growing up in Georgia, my dad was a farmer and we worked in agriculture, so we were always looking up at the sky, checking if rain was in the forecast. That always set the tone for the mood in my household, whether we had rain coming in or not - we knew the crops would be good and it was going to be a good week around the Bryan household.

Missing paperwork is one of the top reasons for delays during the mortgage process. I suggest following the two-by-two system: two most recent pay stubs, tax returns, W-2s from your employer, and bank statements from all of your savings and checking accounts. Be sure to remain clear and transparent, provide evidence of all forms of income.

Philately is normally a boys' hobby but for some reason it was in vogue at my junior school. Between the ages of eight and ten I collected avidly. I'd pore over my Stanley Gibbons book, obsessively checking my collection's value. I always hoped I'd stumble across a really valuable one, a Penny Black or an Inverted Jenny, but it wasn't to be.

My dad was somewhat of a naturalist and used to teach us about different birds and trees. So did a fifth grade teacher who made a lasting impact on me; to this day, I remember his lessons about counting the needles on pine trees, seeing if they are twisted or straight, and about checking the tips of oak leaves to see if they are pointed or lobed.

A player checking Twitter at halftime? I've seen it. A player tweeting out a grievance with an organization about playing time or how he is being utilized? I see it far too often. But the most concerning? Watching a really talented player corrupt his mind and confidence by reading all the critiques from anonymous football experts around the world.

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