If you really want to make it easy on yourself, put a calendar, pens and pencils, stamps and envelopes in that 30 day basket so everything is in one place when you sit down to work.

Catherine Williams

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Because the old rate, if you will, didn't produce enough profits.

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Long term, what's the impact? Is it worth getting $300 back and having your niece never speak to you, or is it a lesson learned on both parts and you move on?

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They seemed very happy to be here.

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