"You can imagine if I do it one time for a church, and there are things I learn, I can apply that knowledge to the next church I work with, " she says.

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But even if I resist the temptation until 2001, I can then expect a letter urging me to apply for a Social Security pension.

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There can be requests for hardship that can be submitted, and I would think the possibility of missing a mortgage payment might apply.

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