Happy 2015! You know what that means—it's time for our annual New Year's Resolution. (Yes, singular.)
After a great deal of experimentation, research and application, I stumbled upon the perfect number of New Year's resolutions that actually stand a chance of surviving longer than a brat on a bowl-game grill—one.
With full credit given to my friend Bill Wilson, grand high wizard of the IIABA Virtual University, my resolution for 2015 is—drum roll on the beverage cooler—insurance not a commodity.
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