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On this episode Jim discusses how to pay for Christmas by simply sharing links online to retailers like Amazon, Best Buy, Wal-Mart, and others. Are the Millennials a generation of narcissists? Philadelphia establishes Craigslist transaction safe zones. Fake IRS agent scam continues to rake in thousands. Chip and Pin technology coming by early 2015 to many government agencies. Forget Black Friday, the sales have already started. Obamacare enrollment opening up again on November 15, why you should see what options are available to you. Why Christian medical sharing is a better option than ever.