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Hello everyone. Welcome to paperworkintel where we make filling out forms and applications, easy for everyone. Rahim on the mic, and Im your host. Its the first episode of the year, so let me say, welcome the 2020 I wish you all good health and success. Notice I said good health first. Thats right. Its hard to enjoy everything else. If your health takes a trip down South. The holidays have come and gone. Its now chop chop back to work suckers. That includes moi, time to pay off those holiday purchases. Uh, talking about shopping, Im still seeing some deals lingering into the second, third week of the year. Like me, you may have snagged one of them deals, maybe a new cell phone? Nice eh, and then some time goes by. The excitement wears off. You start looking at your new purchase, this time with logic and prudence. That great deal no longer feels great. You come to the conclusion, I dont need a new cell phone or the data plan looks good on paper, but Im not going to use all that