Have you ever been approached by a homeless panhandler?  I would normally spare a dollar, or whatever little change was dangling in my pockets, when those moments took place.  I’ve wondered how these individuals found themselves in such a predicament, where they were homeless, jobless, and broke.  The thought never crossed my mind that some day I would be the individual begging for change and searching for a place to sleep deep into the night.  I mean, come on, I had a full time co...


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