You can always start over

We all fail in life, and we are given second chances to get things right more often than we realize.

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Tipping on a fixed or limited income

Our society puts a lot of pressure on us to be generous tippers. During the holiday season that pressure seems to be on overkill. And if there is not enough stress from the holidays season for people on a limited or fixed income, the pressures of tipping can turn a difficult season into a dreaded season full of sadness and depression.

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