Spring had arrived, time for my family’s annual vacation, a week on the Chesapeake Bay property we owned 40 miles from Washington, D.C.. It was nothing fancy, just two double-wide trailer homes that were in constant need of repair. But we always had great fun, fishing, crabbing, water skiing, just lolling around. This year though, I worried. We really couldn’t afford it. Money at home was tight. Had been tight since February, when I was laid off from my job as regional sales manager for an electrical construction company. My wife, Beth, and I have two daughters in college
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