I seem to have reached the stage in life where I receive fewer invitations to dinner or parties, either by regular mail or e-mail, and far more invitations to have a complimentary meal and listen to a sales pitch for hearing aids or tour a retirement community. Oh, and a sprinkling from financial people who want to sell me an annuity or some other product. Thank you, but no thanks. As the Olds always taught, “there is no such thing as a free …
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