I recently received a call from the director of a local charity appealing for money very early in the year as more and more people are in need of their services. Families are losing primary breadwinners to company layoffs. We hold enormous expectations for our country's leaders to stimulate an economy that worsens each day. The media trumpets negative earnings forecasts and bank closures without an end in sight.
It's scary out there, and it's beginning to come into our homes, affe...
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