The countdown to the holidays is on. It’s the time of year when work starts to wind down, and you hear people say, “That can wait until after Christmas,” or, “I’ll get to that in the New Year”. But there are some things that are just too important to put off, even for the sake of a few weeks.
Six months ago, I met with a couple who wanted help with their insurances. They listened to my recommendations, but then they ...
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