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I spend my afternoons painting and working on my Open Hearts jewelry line for Kay Jewelers. I designed an image of a heart that isn't completely closed. My mom always told me to live with an open heart - when life gets tough, you should go out and help someone else. ↗
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But with a rate of return of 1.6 percent or less, or a negative rate of return, our children and our grandchildren, if we do not make changes, will in fact not have a secure retirement. Indeed, they will not have the funds when they go to retire to even minimally get by. ↗
