i have a mole that i have had for probably 15 or more years, i check my moles all the time, never change but today i noticed a black spot right in the middle of the mole and it is also raised a bit more than normal, its very scarey as i have a family history of skin cancer , and i have zero insurance, i want this mole off me, i have four kids i cant just let this go. Is this a sign of cancer?