For example, if your boss is a family-man, begin your casual talk with how important family is to you.

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Your problem is figuring out how to provide for your family.

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Creating a plan that addresses your goals, your risk tolerance, your needs, your concerns and how it all impacts your and your family is essential.

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This one provides off-line GPS tracking (read: cheaper than real-time) of your vehicle so you can see when, where, how fast and how aggressively your teen is abusing the family getaway-mobile.

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Turn off their PlayStation or X-Box 360, (cable TV is already off) and see how your family likes that.

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No matter how stressed your family is at any point in time, this plan can be a unifying force for your family.

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One health document is a living will, which in essence is a set of instructions to your family members and physician suggesting how you want health care to be implemented.

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"The ritual of preparing family meals teaches your children how to cook and that good food is important, " says Helaine R.

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Smart meters will allow you to actually monitor how much energy your family is using by the month, by the week, by the day, or even by the hour.

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