“Twenty years from now you will be more disappointed by the things that you didn’t do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover.” – Mark Twain

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There comes a time every year, usually around the end of the year, when we consciously think about what is to come. We make a plan with respect to this new beginning in hopes that things will be different. The plan could be about changing old habits, making new ones, learning something new, or achieving personal growth.

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