Just like any insurance, the thought of ever having to make a claim against your disability insurance is unpleasant. That's why many of us feign ignorance and procrastinate the task of purchasing it. Well, it's time to...

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Everyone is busy. We all have so many demands made on our time, each one pulling us in a different direction. It seems the only solution is to multitask, which includes texting while driving to our various appointments....

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