| http://www.w3.org/ns/prov#value | - do not make any life changing decisions for at least the first six months such as quitting your job or moving, recommends Mark Cortazzo, a Certified Financial Planner and founder of MACRO Consulting Group in Parsippany, N.J. He adds: do not spend more than 10% of the total lump sum in the first 12 months.
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