November in New York City has its charms. Ice skaters twirl in Central Park, Santa sets up shop at Radio City and department stores unfurl their holiday finery. But to Delia Everett, November meant a chilly wait for the 6:45 a.m. bus to her Manhattan job as an executive assistant. To her husband Jim, who had lost his job as a steam fitter, it meant fixing heaters and patching plumbing in their Mahwah, N.J., apartment building, where he worked as assistant super to cover the rent. To their two children, it meant gray afternoons watching TV in their two-bedroom, ground-floor apartment.
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