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Wise decisions 2016

It's been a while since I last wrote  or updated my post.   Anyway I just wanted to wish everyone a safe and prosperous new year.  They way I have started my year is by  counting my blessings. . It gives me inner peace and makes me appreciate everyone around me. 
  What I don't like is  when I see a TV  add and they want you to buy the item they are selling with" no financial risk**  Except in fine print less shipping and handling charges which can be any amount they wishes to charge.
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