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By WorkInRetail.com
On the off chance you haven't turned on the TV, read your email, opened the mailbox or looked at any of the thousands of apps available on your smartphone, we'll provide the news flash: The holidays are here. For many people, the holidays bring with them warm and fuzzy memories of the past and anticipation for approaching festivities; but for a lot of folks, it also brings an anxiety of how to pay for it all.
Marvin E. Smith 