"TobyzMama" is me - Cheryl Carroll, the 25 year old mother of a crazy beautiful 3 year old named Tobias. I am what's called a "single parent", which means that I act as both mother and father for my child. Love (the 1st Corinthians 13 kind) is the most important feeling, action, thought, and aspect of live. Education, knowledge, intellectual stimulation... truth, integrity... family and friends... these are all of secondary importance to me, but I pursue them all in a spirit of love and passion.

I live in Fredericskburg, VA. I am a licensed Property Insurance Agent, which means that I know more about insurance than normal people would ever want to know. I hope to contribute to the development of the insurance, parenting, and crochet sections of WikiAnswers.