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"Success Occurs when Opportunity Meets Preparation" Zig Ziglar 2018 is almost over and the winter months are upon us! Some people love the snowy winter time of sipping hot chocolate by the fire while others count the days until they can relax on the beach sipping a fruity drink. Regardless of y our preferred climate, most of us can agree that we would rather save our money for fun experiences instead of the increased energy costs when temperatures drop. Here are a few home t