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by Bill Hardekopf The kids are still eating their trick-or-treat candy, and Christmas has probably not even entered their minds. But according to the National Retail Federation, nearly 40 percent of consumers had already started their Christmas shopping...
courtesy of A New Horizon Credit Counseling With fall well underway and the winter holidays just around the corner, many people begin to think about that traditional yearly task. No, we’re not talking about adjusting your clock for the end of daylight...