When I was a young whippersnapper, I played a game with my fellow whippersnappers –both boys and girls –called Telephone Line.  I’m sure most of you have played this game in one form or another, whether it was called “Telephone Line” or something else.  You would sit in a circle –the more people the better –and one person would start the game by whispering a phrase like “my dog has fleas” into the ear
  In the early days of Word War II, before the United States joined in the fray, England’s European allies were quickly and systematically falling to the Nazi war machine. England, on its tiny island, was the David to Germany’s Goliath. Germany had an unparalleled advantage with an abundance of technological, industrial, and intellectual wealth at their disposal. Winston Churchill, the Prime Minister of England in these dark days, had no illusions about the Nazis’
  Lately, I have had a number of borrowers come to me specifically with the desire to purchase a home using a down-payment-assistance program.  These programs take on many different looks, but the gist is basically the same: someone is willing to give a borrower a percentage of the purchase price of a home to be used as a down payment, and the obligation is forgiven when the borrower has lived in the home for