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During the holidays, people typically budget out their spending and plan a maximum on how much to spend on one person’s gift. Unless they are outrageously rich, those maximums will not reach the thousands. Plus, they want to be fair to family and friends and...

One of the greatest gifts a person might ever give to another is the gift of freedom. With the holidays here, it is appropriate timing. Give a loved one their freedom back. They will not expect it, and they will not ask for anything more....