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FYI: If you’re a member at a gym and go on a regular basis you’re probably familiar with the January effect. Without fail, after the 1st of the year, gyms across the country fill up with people who made New Year’s resolutions to get in shape. It’s by far the busiest time of the year (for about a month or so). Regards, Ted http://awealthofcommonsense.com/do-i-have-a-financial-advisor/