Times Square:         “I just love watching the ball drop, it’s a commitment I make to myself every year,” beamed Jack as he got ready for the big event, then confessing, “ but as far as setting New Year’s resolutions that stick – I guess I’m not able to make a commitment.  I never stick with it.” Can you relate?  You make resolutions you never keep?  Alas, many of us do.  However ...

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