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Structure As The Path To Happiness

I was chatting with a good friend the other afternoon and he was telling me about how his son had lost his cellphone and was a bit stymied about how to replace it. When you're in a contract with a carrier, a lost phone can't be replaced with another that's subsidized and suddenly even the worst phone was going to cost $199, $299 or even more. Quite overwhelming for the boy. The challenge was to figure out how to pay for the new phone, because he apparently had his heart set on a pretty fancy phone with a slide out…

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