This article is copyrighted and may not be reproduced in any way for sale, publication, or reprint without the written permission of Dr. Mary Ann Diorio.
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Articles may, however, be downloaded for personal use only. If you've lived on this earth for awhile, you know that at times, life can be tough. You may find yourself right now facing a problem whose solution seems impossible. Perhaps you've just lost your job, and you still have two children in college plus three overloaded credit cards. Your creditors are hounding you with daily telephone calls, and the mortgage company has placed a lien on your house.