Nice depth in the photo and a lovely capture of the lake. I like the shimmering light reflecting off the water. You could crop out about half of the sky for a better composition.
I'll go a step further, Cindy. Centering the horizon tends to divide the image in two centers of interest. The sky will always be infinite so you never need much of it even when you have beautiful clouds, which make it even more difficult but necessary to crop. About the only time this doesn't apply is when the sky/clouds itself is the principle subject. Then the foreground need the same treatment.