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The beginning of a new year marks a time for reflection on ways to better ourselves and bring more positivity to the world.

Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them.

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A fast-moving fire broke out in the Hollywood Hills, threatening one of Los Angeles' most iconic spots as firefighters ...

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