Years ago, when I was a cook, I had absolutely no reason to think about insurance. Life was good! I had a paycheck, (albeit a small one) but it was enough to eek out an existence. Back then, I collected knives, cookbooks, and old vinyl jazz records, and I just didn’t need much. I […]

Wow, how quickly the calendar turns from one year to another.  We say good bye and good riddance to 2020, and to all of its challenges.  And we greet 2021 with all its promise of better days ahead – a COVID vaccine, a new administration in Washington, maybe some much needed rain, all signs of […]