Well, we went to Extranjeria with all my paperwork from the list that was given to me a week earlier.  I was pleasantly surprised to see everyone smiling and very willing to assist.  This was a total 180 from last year when I was rudely told that I would have to leave the country since I was overstaying the 3 months!  I guess the good thing about last year is that it made us start the residency process sooner than we had planned.  
Anyways, submitted the paperwork on a Tuesday (July 15) and received a call on Thursday that my application had been approved so I went on Friday and picked up the “Resguardo de Solicitud o Renovacion de Tarjeta de Extranjero”!!!  (We asked if they could rush it and they did!!!...)  IMMEDIATELY went to the Comisaria de Policia - Extranjeros and presented the Resguardo, photographs, my US passport AND the “Certificacion de Inscripcion Padronal” (Alta) from the Ayuntamiento where I live.  No one had told me that I needed that but luckily I had it!  They took my fingerprints, my husband went to the bank and paid the 10,50 Euros while I waited and was given a stamped receipt and told to wait a few weeks when I would be notified to pick up my NIE card.  I already have the NIE number and I was told that as of July 18, 2014, I had all the rights of any resident!  
Next step:  I’m assuming that in addition to opening a bank account, owning property, buying a car, etc., I will be able to start a business!  I submitted proof of financial solvency (have enough $$$ to not be a burden) and I don’t know if I need a work permit or not since I will be an “Autonoma” in the future.  Any comments with this?
Also, since my husband is a Spanish Citizen (dual US/EU) and after having my Residency for one year, can I apply for Spanish Citizenship at that time?  I know I have to live here for 183 days before July 17, 2015 but I really want to get my Spanish citizenship so that I don’t have to worry about that restriction in the future….or do I?  Does anyone know if I will still be required to live in Spain (EU) for 183 days every year even after becoming a Spanish citizen?  
Thanks!