Sofae turned two on MLK day and just like last year, we moved the big celebration to the following Sunday. We did have my sister, mom (wow, she actually came!) and dad over earlier in the week, but on Sunday the house was filled with 15 adults and 14 children (that's if you count Missy as a child).
Most mortgages issued in the US are due on the first of each month, are amortized monthly and carry a grace period of 14 days. Payments on these mortgages could be received by the mortgagee all the way through the 15th of the month, yet they must be credited, as if they were received on the first - no late fees charged and no additional interest accrued.