Very true! Go to Umbrella Today and type in your zip code. It will tell you if you need an umbrella. Can't get any easier than that!
This was my answer for today:
For years, I've been collecting good ideas and helpful tips saved from emails and ripped out of magazines. The stack became overwhelming, but I could never figure out the best way to organize and catalog the information. As I was lamenting, once again, that I had no plan for my bundles of golden information, my husband suggested a blog. So this is mainly just for me and for my files. If you find something useful, great! I know that ONE DAY I'LL NEED THIS, and now I'll be able to find it easily.