Last year about this time, I decided to refinance my house to take advantage of the lower interest rates. I had purchased homes twice before and recalled the experience as something akin to a root canal without the benefit of nitrous oxide.

An unwelcome visitor wreaks havoc in homes, crosses generations
By Rick Ryckeley
Fayette County Fire & Emergency Services

There was one member of our family whom I never knew while growing up. Though I never met him, never saw him, I knew his name and heard it many times.

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