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  It is said that when someone asked John D. Rockefeller how much money he thought Americans really needed he answered with “just a little bit more.” If this is so then people who switch bank accounts to gain a tiny percentage better interest on their money are still on the same road as any …

  More often than I care to admit, I bump into a problem that shakes the very core of my being and challenges the heart of my belief system. At such times, I feel the world closing in around me and a tendency toward desperation begins to raise its ugly head. My first impulse is …