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You’ve no doubt read about how YMCAs across the state have decided to end their relationship with the SilverSneakers program as of the end of this year.  

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We’ve still got a couple of months until 2019 draws to a close, but it’s not too early to make some end-of-the-year financial moves. In fact, it may be a good idea to take some of these steps sooner rather than later. 

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Some time back I wrote about quirky, little stories that are found in almost all newspapers. I suspect that editors have files full of them and just use them to stick in where needed to make the columns of text come out even. No matter the reason, often they are odd and amusing. 

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The word “estate” conjures images of great wealth, which may be one of the reasons so many people don’t develop estate plans – after all, they’re not rich, so why make the effort? In reality, though, if you have a family, you can probably benefit from estate planning, whatever your asset lev…