Dear Friend,

As the fall season has ended, the brown and orange leaves disappear and a cold chill invites its way in your area. That is, if you reside in an area wherever winter weather is bonded every year. For those of you who are fortunate enough not to have winter weather, nice for you. However, for those of us that do, and that's most of us, we have to brace for the frigid and freeze temperatures as we do our way out the door to our various destinations.

We besides have to brace ourselves for those humungous utility bills that we look forward to because of cranking up the heater in order to stay warm. Of course, most folk dread acquiring those bills