It’s already almost mid-November! Before we know it we will be buried in Christmas shopping, wrapping, and decorating. I do know of one person who already has their tree up, so it might have begun already in your world. So, when I say NOW is the time to begin putting ideas down on paper for your goals for 2016, you understand. We should be working on next year’s goals before all the hurry and worry of the holidays takes over. If you are anything like me, you won’t have any time or mental room for it later. I will be

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