I am mostly a half full, but the class is chipped, but that's ok because I will drink from the unchipped side until I can fix the chipped side kind of person.....with that said, I would like to reflect upon a few things Harvey Mackay mentions in his column in the Arizona Republic on Monday, January 5, 2015 editorial. 1)    Never put off till tomorrow what you can do today. 2)    Never trouble another for what you can do for yourself. 3)    Never spend your money...

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