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The new year always brings out a sense of urgency in people. It seems absurd that with the dropping of a ball, we suddenly feel the need to change something, and moreover, do it to the extreme–whether it’s beginning a new exercise regimen, completely changing our look, taking on a massive remodeling project, or something else that requires a lot of effort.

We all know how these “resolutions” often turn out. But in 2011, Americans face some changes to their income and benefits where a sense of urgency can be a good opportunity to better their finances. Employee paycheck

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