Welcome to northern Illinois. Yes, the sun is shining, yes, it really is cold this morning. Although, it looks like we'll have to wait and see before we know if the snow on the ground will still be here for Christmas.
I'm a husband, and the father of three children, all adopted. I run a small housing counseling agency that works with literally hundreds of families facing foreclosure each year. I take my faith seriously, but have learned not to do that with myself.
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