I started this post in July of 2025, but clearly July has disap­peared beneath my feet. July was the month of CAC replace­ment and read­just­ment. Which tech­ni­cally started in June. 2025 has been the year of home repair. We live in a house that was built at the turn of the 1900s (I almost said century, but that could easily apply to the 2000s, which would not be accu­rate). I once dreamed of owning a home that wasn’t subject to land­lords and their need to get rid of tenants to raise rents, among other things. And yes, a home doesn’t have land­lords; it does require banks, and if you don’t pay your mort­gage the end result is the same, but they can’t arbi­trarily attempt … Continue reading →