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Giving is classy: Last-minute moves to close out each year with financial savvy

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Hooray!  The year of MUCH discussion as to whether to gladly kiss it goodbye or fondly make memory books out of its events - is coming to a close.  And FAST!  Here are some important things you can do in the next few hours to make sure you start off your new year with your best foot forward, knowing you closed out the previous year with financial savvy and class.