If you’ve ever had your pipes burst in the winter, you already know it can be devastating to your home. Far beyond the cost of replacing the pipes is the expense and heartache of restoring or replacing the structure and your personal belongings damaged by a deluge. If you haven’t yet been one of the

By Richard Lederer Richard Lederer is a contributing editor for the Farmers’ Almanac and a well-known author, speaker, and verbalist. The most widely understood American word in the world is O.K. The explanations for its origin have been as imaginative as they have been various. Some have claimed that O.K. is a version of the