*So I wrote this piece specifically for my newsletter subscribers (Those who join my email list get articles and other things that I don't publish anywhere else). I ended up getting a lot of responses from people about the email saying they have shared it with others. So I figured I would republish it on the site so those of you who are interested can have a read. Now, I sent this email out before the end of 2014, so the New Years references are a little outdated. But the message still serves its point.... Enjoy!*
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