How To Stay Out Of Debt Word Count: 302 Summary: Once you have completed that uphill struggle to get out of debt, you need to stay out of debt forever. Keywords: credit, pay, risk, paying, savings, money, avoid, loans, risk-free, savings, future, interest, zero, taxes Article Body: In order to stay out of debt, youÆll need a contingency plan. Include: - An emergency fund û which you try to never, ever spend (only in case of severe emergencies). - A ôfor sureö savings û for your occasional large expenses (e.g. repairs, Christmas, taxes, etc). - A ôbuy stuffö savings û just to buy things that cost more than your monthly disposable income. - An overdraft protection line of credit to protect you from returned check fees. DonÆt use it for anything other than to avoid bouncing checks. - An ôemptyö credit card (one that you rarely if ever use û keep it only for emergencies û zero balance, zero interest). Get into the habit of paying off your credit cards each month to avoid interest charges. The greater the rate, the higher the risk. Get a safe return on at least part of your savings. DonÆt co-sign on othersÆ loans. They may intend to pay, but you may actually pay. Too often, co-signers end up paying off loans they are unprepared for, and financial hardships follow. Numerous co-signors now have negative credit ratings because a primary borrower paid late. Many lenders do not notify the co-signor before reporting delinquencies or repossessions to the credit bureau. Nothing is risk-free. If anyone claims a risk-free use of your money, they are lying, or they just donÆt understand that there is always risk involved û if only opportunity risk. Remember, when you borrow you are still spending future earnings, and eliminating future options. When you borrow, even at low rates you are still paying to use someone elseÆs money. The tax advantage of keeping a mortgage loan: You pay me $10,000 this year, and IÆll get my Uncle Sam to let you deduct $2,000 from your taxes next year (if you are in the average tax bracket of 20%) Title: How To Tackle Your Super Bad Credit Word Count: 613 Summary: Tips, tricks and techniques to avoid bankruptcy and repair your credit now! Keywords: avoid bankruptcy, avoid personal bankruptcy, avoid bankruptcy foreclosure Article Body: The more you understand about any subject, the more interesting it becomes. As you read this article you'll find that the subject of avoid bankruptcy is certainly no exception. Those of you not familiar with the
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Linda Lay Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Linda Lay Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Linda Lay Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Linda Lay Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Linda Lay Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Linda Lay Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Linda Lay Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Linda Lay Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Linda Lay Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Linda Lay Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Linda Lay Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
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Linda Lay Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Linda Lay Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Linda Lay Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Linda Lay Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Linda Lay Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Linda Lay Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Linda Lay Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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