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I stood in the middle of my kitchen with tears streaming down my face.  In my hands is a Federal Express envelope from Bank of America. Dear Ms. Warrick, We have a new program based on a settlement that was […]

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Resolved: I will not be making any New Year’s resolutions this year. When you think about it, it makes sense. Why should a tick in the calendar make any difference in our lives? If it wasn’t a priority yesterday, what […]

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