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A year-end horizon provides a reasonable period in which to reflect on the financial road taken, improve results, and set a course for the new year.
Bring your own bottle (B.Y.O.B.) has often been associated with having a good time. To encourage good physical and financial health, you may want to B.Y.O.B. to your next doctor’s visit. The bottles your doctor will expect, however, are bottles of your over-the-counter (OTC) medicines.