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When I was in elementary and middle school, I couldn’t walk through the school hallway without spotting Hello Kitty. She was on T-shirts, binders, pencil cases, folders, agendas, socks, backpacks and water bottles. She was on stickers, purses and shoes.…

When we got married, we moved into a house that was owned by my wife’s mother which she told us we would be inheriting on her death. As we were looking to extend the property, we took out a mortgage…