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Everyone should have the opportunity to say “No.” If you ask politely and they turn you down, that’s fine — just don’t make the decision for them without consulting them. (Photo: Shutterstock)

Here’s an urban legend worth repeating: It’s been said John D. Rockefeller, America’s first billionaire, mentioned to his friends he had just bought some insurance. One of his friends said: “You know I sell insurance! Why didn’t you buy it from me?” Rockefeller’s reply was:  “The other guy asked.”


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