Credit Card Debt Relief - Understanding Your Options

Credit card debt relief can be achieved through a variety of ways. Generally speaking this would consist of debt settlement, debt consolidation, credit counseling and bankruptcy. For the purpose of this article we are going to assume that you are in financial distress and are in need of help. In the next few minutes we will be discussing the first 3 ways you can achieve credit consolidation with the hope being you can avoid the fourth, that of course being bankruptcy.

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?Ben 10?: The Jeremy Lin of the superhero world?

Unless you have a young boy at home, it?s possible that Ben 10, the shape-shifting teen superhero, has flown completely ...

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Saul Cameros Jr., 27

Saul Cameros Jr., a 27-year-old Latino, was shot and killed Sunday, March 4, in the 13800 block of Sherman Way in Van Nuys, according to Los Angeles County coroner's records.

Ed Winter, spokesman for the coroner's office, said Cameros was discovered shot in an apartment complex courtyard about 11:25 p.m.

Authorities were called and the victim was pronounced dead at the scene.

According to coroner's records, the victim was shot several times in the torso and head.

Winter said Cameros may have had an argument with someone prior to being shot. He had no other information about the case.

Anyone with details about the incident or the identity of the shooter is asked to contact the Los Angeles Police Department at (877) 527-3247. Tipsters wishing to remain anonymous can call Crime Stoppers at (800) 222-8477.

— Los Angeles Times

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Bernanke Caught Between Deception & Depression

Peter Schiff, Townhall
Amidst many widely followed data points that show that inflation, consumer spending, and employment levels are on the rise, today's FOMC statement conspicuously avoided any hint that monetary tightening is even being considered. Instead, the Fed indirectly patted itself on the back for some perceived economic gains without committing to any of the logical monetary steps that these improvements should have triggered. Their stance appears to remain that although a full recovery is nigh, the economy will remain dependent on near-zero interest rates through 2014. They hope that no one...

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Google Wallet?s Founding Engineer, Product Lead Already at Work on Next Startup, Tappmo

More people leaving Google Wallet means more founders for mobile payments startups! Jonathan Wall, a founding engineer on Google Wallet, and Marc Freed-Finnegan, its product lead, are already heads down on their next venture Tappmo after having their last day at Google on March 5. They're not saying too much about what it is aside from saying it's about revolutionizing offline payments. (No surprise there.) "We think the next few years will bring groundbreaking developments in mobile commerce and we are excited to dive in with our new venture," Freed-Finnegan says.

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An Essential Note On Credit Card Machines

Credit card machines are a set of third-party merchant service providers, which handle the work of card processing. The times when slow, unreliable terminals such as manual imprinters and point of sale terminals were our only options, are no more. Nowadays, you can even process your plastic money right from the utter comfort of your home!

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The Agony And Ecstasy Of Mike Daisey

It seems that noted firebrand Mike Daisey's story - the one about the crippled, underaged factory workers who unspooled tales of woe and torture at the hands of their evil Foxconn masters at Apple's behest - was at least partially fabricated. He was outed as, at best, a bad journalist and at worst a fraud. To be clear, he's a monologist and playwright and had no business telling this story (just as he really had no business telling Amazon's story way back when) but he, like so many creatives, riffed on science and technology for popular effect and got both drastically wrong.

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Financing a New Car Doesn't Have to Feel Like a Catch-22

The 21st century has brought tremendous improvements in the fuel efficiency of gasoline-powered cars, but fuel prices are still leaving a collective knot in the stomachs of already financially-stressed Americans. The "haves" have no problem forking over the cash for new, higher MPG or hybrid gasoline-electric cars. But those who have not-as-much (and the irony here is not lost) may be trapped in less fuel-efficient, older cars for the very reason they need to save -- they just don't have the cash flow for a new car.

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Understanding the Concept of EMI!

Though many of you shell out money with regularity for the EMI of a loan you have opted for, have you figured out how it is calculated? Do you know the exact ratio of the principal and interest that is present?

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5 Reasons to Choose a Debt Settlement Program

From reviewing all types of debt relief programs, I am convinced that a good Debt Settlement Program with a trustworthy company has actually helped the most people in their struggles to get debt free. If you have more than 10k in unsecured debt, you should really look into this.

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New Mexico border town gun ring defendant gets 4-year jail term

(Reuters) - The first defendant in a conspiracy involving leaders of a tiny New Mexico border town who ran guns to violent Mexican drug cartels has been sentenced to nearly four years in prison, U.S. Attorney Robert Pitman said on Thursday.

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Anahit Hayrapetyan, 63

Anahit Hayrapetyan, identified by the coroner's office as a 63-year-old white woman, died Monday, March 5, after being strangled in the 2000 block of West Whittier Boulevard in Montebello, according to Los Angeles County coroner's records.

Family members discovered Anahit Hayrapetyan and her husband about 11 a.m. in their apartment at a senior living center, the Los Angeles County Sheriff's Department said.

Coroner?s records show the woman had been strangled and suffered blunt force trauma to the body. She was pronounced dead at the scene.

The husband, Baghdo Hayrapetyan, attempted to kill himself with a knife after he strangled Anahit, according to officials.

Baghdo Hayrapetyan, identified by authorities as a 72-year-old white man, was taken to Los Angeles County-USC Medical Center in critical condition and remains hospitalized there.

There were no witnesses to the incident, but it was being investigated as a domestic-violence murder, the department said in a statement.

Some said the man may have been suffering from dementia.

"He would forget stuff all the time," friend Mary Delgado told KTLA News. "She always took care of him."

Sheriff's officials could not immediately confirm that the man had mental problems, but said it would part of their investigation.

Baghdo Hayrapetyan has since been charged with murder in connection with his wife's death. His next court appearance is scheduled for March 16 at the East L.A. Municipal Court.

Anyone with additional details about the death is asked to contact the sheriff?s homicide bureau at (323) 890-5500. Those wishing to remain anonymous can call Crime Stoppers at (800) 222-8477.

— Robert Lopez, Anna Gorman and Andrew Blankstein

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High Risk Auto Financing

High risk auto financing allows creditors with lower than normal or bad credit scores to sit right in the driver's seat of their own car. This simply means that even though you have with a poor loan payment history, you can still get this type of financing and get a car.

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When To Use Bridging Loans

Bridge loans can be expensive. The interest rates are higher than the rates for long-term mortgage financing, as are the closing costs. It is common for bridging loan closing costs to include points. Each point charged is 1 percent of the amount of the loan that the borrower pays to the lender at the closing

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Madonna Releases New ?M.D.N.A.? Promo Images

Madonna has released a couple of FANTASTIC new promo photos that were shot by Mert + Marcus to promote the release of her new album M.D.N.A. on March 26. As you may recall, we got to see a beautiful new promo image on Sunday that was released with her new interview with The Sun … [...]

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Can You Reclaim PPI on Your Mortgage?

In some situations, reclaiming PPI back becomes necessary. This usually occurs when the lender has misrepresented your rights as a borrower to get you to purchase this additional insurance. If you feel like this has happened to you, it might be possible to get your money back.

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Rising Life Expectancy and Achieving the Pension Income That You Desire

Latest figures from the Office for National Statistics show a rise in life expectancy. Living longer is something that we should celebrate, but what effect will it have on our expected pension income?

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Sharp reverses losses on report to replace president

TOKYO (Reuters) - Shares of Sharp Corp reversed losses and jumped over 4 percent on Wednesday after a report that its president Mikio Katayama would resign as the company struggles to shore up its...

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Encyclopedia Britannica Consigns Print Edition To History

In 1768, the Enlightenment was in full swing, and the printing press was being employed liberally as a method of disseminating knowledge among the (then still relatively few) literate and learned. Few general-purpose reference works existed (the earliest came only a few years before), however, with much essential knowledge split between many smaller, more specific volumes. On Optics, or On the Use of Leeches, or Travels Among the Savages of the New World, that sort of thing. That year, the Encyclopaedia Britannica printed its first edition: three volumes comprising a compressed but useful near-totality of human knowledge. It is difficult for us to conceive of, having grown up with reference works, and more difficult still for a new generation raised with the Internet and its promise of instant access to virtually any work or knowledge. So it is likewise strange to attempt to put in context the fact that 2010's Encyclopaedia Britannica will be the last one printed. Some will stroke their chins, some will wail and tear their hair, some will shout for joy. But most, perhaps most tellingly, won't care - indeed won't ever notice.

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Auto Loan Approval With Bad Credit

Our world has become so much more fast paced with almost everyone rushing to work, rushing back from work and then shopping, busing the children to different activities, business meeting and the list goes on and on. This has made it so much more necessary to own a car and in this instance, to be able to buy one.

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Things to Consider About Auto Financing

Cars have definitely become one of the "necessities" in our fast paced world. Gone are the days wherein you could walk to the nearest local shops to get or purchase the things that you really need.

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Validation of Debt Letter

The validation of debt letter is one of the most important tools to understand for anyone who is in the collections process. This letter can be of great value if used properly when dealing with original creditors and third party debt collectors.

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For Advertisers And Investors, Social Network User Numbers Often Don't Add Up

When does 845 million not equal 845 million?

When it's the number of active users Facebook claims in its initial public offering filing. Last week the social networking giant amended that filing and conceded it may not be so giant. While still massive, Facebook said as many as 6% of those accounts may be fakes and another 5% may be from people who downloaded Facebook's mobile app and have it running in the background of their device even though they no longer use the site.

"Anyone who has logged in within a month is considered an 'active user' depending on who you're talking to," said Ed Zitron of TriplePoint PR in New York. "People use Quantcast and Compete to judge these scores, but those can be inaccurate."

Sponsor

The self-reported nature of social network statistics is presenting problems for advertisers who are looking for places to spend their online ad budget and investors who want to know the true value of Facebook before they purchase shares in the IPO. While every major social network and search engine is looking for ways to better target ads and increase click-through rates, sheer size may be a factor for companies looking to run an initial advertising campaign.

"The only number an advertiser cares about is the number of prospective customers it can reach -- and what it takes to get them to buy whatever it is the advertiser is selling," said Marty Levine, executive vice president of product development at Prosyna Inc.

Advertisers are finding it hard to figure out the exact number of those prospective customers on social media. Facebook said 463 million, or more than half, of its users check the site everyday. And, at first glance, that seems about right if you spend any amount of time hanging out with people under 30 who often use it in place of email and traditional chat clients. But the numbers were drawing increased scrutiny from Wall Street analysts trying to price Facebook's IPO, which prompted last week's clarification.

Facebook is not, however, the only social network that may -- or may not -- be exaggerating its claims:

• Google+ reportedly has 54 million daily users, but Forbes was quick to note that number is most likely based on comments by CEO Larry Page that were misinterpreted by the tech press.


• Pinterest claims 9 million monthly active users, but we've been noticing that a lot of people are jumping on the site and either getting addicted or giving up a few days or weeks after signing up. In other words, it appears to be too soon to tell if Pinterest's growth is sustainable.


• Last fall Twitter bragged that it had 50 million daily users. But keep in mind Twitter doesn't verify an account holder's identity the way Facebook and Google do, meaning people can have duplicate or even automated Twitter accounts.

"Measuring user interaction is a finicky business at the best of times, but exactly how you'd police such a problematic area is tricky at the best of times," said Lance Paterson, a brand designer and consultant. "For example, Twitter claims 175 million users: however, 56 million of those do not follow a single other account. In fact, some studies claim that only 5% of accounts are responsible for 95% of all tweets. So is there any value in the process at all?"

The individual idiosyncrasies of each site also play a role. Is Google counting me as an active user of Google+ when I click on search results that got pushed to the top because people I am connected to on Google+ found the same link useful? Do I get counted as an active Facebook user if I "like" an article in the Boston Globe every few days but never log into Facebook? Does Twitter count me as an active user if I use a third-party client to post tweets, but never go on Twitter's own site where I would potentially see promoted tweets and ads?

"Unless you're Pepsi or possibly Budweiser you need to understand the potential response from the subset you really care about: your target customers who may or may not be active on a particular social network," Levine said. "And you need to care more about the factors you can control, including the timing that will find them most active and the content that will attract them."

None of this is to suggest that social networks are deliberately trying to mislead advertisers and investors. The simple fact is that it's difficult - and getting even more difficult - to track who is doing what on your social network. As users have become more privacy conscious, many have adopted anti-tracking software, which also throw off the numbers. Add in privacy laws, like the new European Union online privacy laws, and it gets even harder for social networks to at least publicly disclose how many people are using the site.

You can thank Facebook's IPO for all the sudden scrutiny of active users. People who advertise on social networks get fairly detailed analytics and, at the very least, they can tell whether or not an ad is working and whether or not they should continue using a platform. Wall Street investors, however, don't have access to those analytics and need to rely on the raw numbers - raw numbers that they often have to trust the companies to give them.

Discuss

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A Home Loan Guide for Novices

For someone who is looking to buy a property, home loan is an intelligent option in India. It gives you ownership of the house in easy installments plus it gives you certain tax benefits.

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New Issue-Autoliv, Inc. sells $106.273 mln in notes

March 12 (Reuters) - Autoliv, Inc. on Monday
sold $106.273 million of senior unsecured remarketing notes,
said IFR, a Thomson Reuters service.
Remarketing relates to a reset of 8 percent...

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Loan Modification and Your Credit Score

Loan modification can typically lower home loan payments and in the process, allow cash strapped homeowners to stay in their homes, avoid foreclosure and work towards paying down the mortgage. However each homeowner's loan modification is different and depending upon the situation and circumstances prior to the home loan modification, a homeowner's credit score may be affected.

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Fixed Loans - Friend or Enemy

With fixed rates sitting below variable rates in Australia at the moment, there is increased interest in fixed rate loans. While they can provide security against interest rate movements, they can have significant downsides for the unwary borrower.

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Avoid Getting Taken to the Cleaners, the Poorhouse, or Worse - To Jail: Be Your Own Detective

Just last night on "American Greed" I heard the story of Stephen Trantel, the Long Island Bank Robber, and his former wife, Jeanne. Before Stephen was arrested for his crimes, Jeanne knew nothing of the family's financial affairs-she merely received an allowance from her husband each week. She didn't know what an ATM card was, let alone own one. As crazy as it sounds, a similar situation (minus the bank heists, we hope) could happen to too many of us. What clues can you use to avoid getting taken to the cleaners, the poorhouse, or worse--jail?

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El Paso holders OK Kinder Morgan deal amid protests

HOUSTON (Reuters) - Amid chanting and shouts of protest at a raucous shareholder meeting, El Paso Corp investors approved the natural gas pipeline company's $23 billion takeover by rival Kinder...

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A Breach of Trust by Republicans on the Budget

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Installment Loans - Get The Most Convenient Loans

Installment loans are superb advances that one can apply for online.There are no credit checks done in this process.

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Show Me the Money: Benchmark Study by Prudential Sheds Light on Black Wealth Creation

A recent study by financial behemoth Prudential Insurance Co., "The African-American Financial Experience," reveals that African Americans are a strong and growing market for financial firms but also identifies impediments to African American wealth creation. African Americans are an important, powerful, and integral part of the American landscape, comprising an influential and growing population that tends to be younger than the general market with a rapidly emerging middle class and affluent segment, according to Charles Lowrey, Prudential Executive Vice President and Chief Operating Officer.

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All About Lending Money

A person can take a loan from a financial institution for a number of reasons like a wedding expenditure, going for a holiday, home renovation, or to pay off all existing smaller debts and then have only one monthly installment to pay. Secured home loans can be obtained from a bank for any of the following reasons which can be: loans for self employed people, car loans, extension of a home or business, to clear smaller debts, wedding loan, for a conservatory, to landscape a garden or to have cash in hand. Secured home loans are also known as second...

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UPDATE 2-Icahn's CVR Energy fight hinges on shareholder support

March 9 (Reuters) - CVR Energy's top
shareholder Carl Icahn, who wants to buy the oil refiner and
then sell it, said he is yet to attract a buyer and may drop his
bid if he fails to muster enough...

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What Exactly Is a Hard Money Loan Company and Where Is It Possible to Locate Them?

Hard money is mostly a phrase which is used to distinguish a sort of loan which can be completely different from traditional bank lending. Loans from banks are often times made to amazing consumers while using terrific real estate as security. Any loans that will be funded by using a hard money lender are often real estate structured loans. This means the underlying property is definitely the significant focus for the lender. The particular property is definitely the most important aspect for the simple reason that it is the property that will be the most crucial source of reimbursement for that loan. The debtor can be taken into consideration, though a lot less so.

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Chic beauty boutique Woodley & Bunny heads west

Woodley & Bunny, the Brooklyn-based boutique full of hard-to-find cosmetics, skin and hair care from all corners of the globe has come west and landed on a busy stretch of 3rd Street near trendy eateries and clothing stores.

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How To Pay Off Debt in 3 Simple Steps

Individuals nowadays are becoming increasingly aware of the need to stop spending money they don't have and start repaying their debt. Over the past few years people have enjoyed the trend of borrowing money and spending a lot of 'credit'. Since the recession and recent financial crises people are now realizing that this is not an option anymore and their lifestyles need to be changed. It is not easy to simply pay off debt and, with bank charges and interest rates on the rise; it can often seem like a daunting and formidable task. Here are 3 simple ways in which people can reduce their debt and start to become more financially independent.

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Debt Settlement and Debt Consolidation - What's the Difference?

Let's talk about the differences between these two basic deft relief programs, debt settlement and debt consolidation and what some of the advantages and disadvantages may be for you. Debt settlement or debt negotiation is a credit counseling option that can save a considerable amount of money over paying the balances back in full. By way of debt settlement, a debt relief company can get your creditors to reduce your debt by a negotiated amount. Once you have paid the agreed-to amount, you are legally out of debt. Debt consolidation is a creditor sponsored program to help people pay back their balances in full plus interest.

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Tips for Getting Bad Credit Auto Financing When You Are a New Employee

There are many reasons someone might need a new car. Often the most important reason they need a new car is because they have started a new job.

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No Credit Check Loans Offer Low Credit Score Applicants an Avenue to Redemption

Having a low credit score can make loan applications a stressful waiting game. But with no credit check loans, that problem can be avoided, giving those with even the lowest scores extra funds.

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Handle Collection Calls

Debt collection agencies have your number? It can feel like harassment even when it is not, but knowing how to handle those calls can save you a lot of grief. Get ideas on how to handle these collection calls, and make them productive.

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Obama Kicks the Can Down the Road

Michael Barone, DC Examiner
Kicking the can down the road. That's been the Obama administration's response on issues from Iran's nuclear weapons program to America's entitlement systems.Start with Iran. In a statement in the Oval Office before his meeting with President Obama on Monday, Israeli Prime Minister Binyamin Netanyahu noted that Obama had "reiterated yesterday" the principle that "when it comes to Israel's security, Israel has the right, the sovereign right, to make its own decisions."That evening, speaking to the American Israel Public Affairs Committee, Netanyahu...

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Jeffrey Dean Morgan & Hilarie Burton Engaged!

Jeffrey Dean Morgan & Hilarie Burton Engaged!

“The Watchmen” star Jeffrey Dean Morgan is engaged to marry actress Hilarie Burton. Morgan and Burton have dated since 2009 and welcomed their first child, [...]

Jeffrey Dean Morgan & Hilarie Burton Engaged! Stupid Celebrities Gossip Stupid Celebrities Gossip News

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Auto Loans for Those With Bad Credit - Exploring Your Options

Shopping around and considering many options are important when you are looking for an auto loan for those with bad credit. Because of the low interest rates available now, your efforts will be rewarded.

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Avail Your Dream Mobile Home Through Mobile Home Loans

The housing market crash of 2008, people clamored for a more affordable housing properties that would not hurt their financial capabilities or credit ratings. Thus, the demand for mobile homes surged up because of several advantages that it presented during the past market housing crash. The advantages of mobile homes will be mentioned later in this article. But before that, a dream mobile home can be availed through a new loan called mobile home loans.

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Lower Your Car Payments by Refinancing

Consumer Care Corporation has been in business since 1991 trying to help consumers save time and money. Hopefully, our research library will benefit you and your family. For those facing high auto loan interest rates and are looking to cut down on their payments, getting car and truck refinancing can be an effective way to not only lower your bills but perhaps even reduce the time left you have to pay on your vehicle depending on the circumstances.

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Using Legal Aid For Credit Card Debt Settlement

Not many Americans have looked into Credit Card Debt Settlement and the benefits it offers in Financial Recovery. When consumers are dealing with the constant calls and threatening letters from Debt Collectors, it's easy to become quickly overwhelmed. Not knowing where to go from here, they will often skip the research and take the most drastic steps possible and file bankruptcy.

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Tips for Getting Bad Credit Auto Financing When You Are a New Employee

There are many reasons someone might need a new car. Often the most important reason they need a new car is because they have started a new job.

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Financing Your Property Development With Bridging Loans

It is important to remember that the bridging loans are not always the best solution. While they provide a way to expedite the necessary funding for closing a sale, it is still a second loan. Again, keep in mind that these loans are more costly than other typical products.

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Dozens arrested protesting education cuts at California

SACRAMENTO, California (Reuters) - Dozens of protesters angry over fee hikes and budget cuts at California's public universities were arrested on Monday night during a boisterous but peaceful demonstration inside the state Capitol building.

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