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Save Time, Stay on Budget with these Holiday Shopping Tips
The holidays can be one of the toughest challenges for your budget. According to the National Retail Federation (NRF), total holiday retail sales are expected to increase 5 percent over last year, bringing holiday spending to $457.4 billion.

Toasty Warm Gifts for the Cold-Natured Person
Ever wonder how someone could be freezing to death when you're sitting there sweating bullets? According to Vicki Rackner, M.D. and author, there are a number of factors that can cause one person to feel warmer or colder than the person right next to them.

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