(Shaun Eddy) - The economy and the investment markets have historically had great successes and great hardships. The year 2008 represented a very challenging economic and investment environment. During these times it is important to reflect on the positives. We have much to be thankful for in this country. It is also a time to reinforce the value of living within our means and putting aside money for emergencies.

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(Teri Tornroos) - 1. Spend less than you make - it sounds almost too simple, but not enough of us do it! Make sure you are not making any unnecessary purchases and building up any debt.

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