As we are nearing the end of 2015 we need to take a moment to sit down and reflect on all that has happened this year. The things you have faced and experienced both good and bad will lead you to the direction you want to go in the new year so you can make a plan. The New Year is a chance to make a change to make a difference between last year and what the coming year will be for you. If you don't change anything you do then it will be same old stuff just a different year.
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