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Old 07-27-2011, 11:20 AM   #1
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to manage them better. Cancel all but 1 or 2 of your credit card accounts. Credit Cards are an Important Part of Life, An unexpected car repair or Dr. Bill can be handled very easily with a credit card (If you don't have enough money in your debit card account). With the exception of an Emergency never charge more in any month then you can Pay in full when the bill comes. Pay off all new Charges in full within a week of getting the Bill.
4 - Insurance Needs
Insurance needs would be things like Life insurance, Health Insurance and Long Term Care Insurance. Contact an Insurance professional to discuss your needs. If you don't have any Life or health insurance look into low cost options like term Life and Discount health care until you have extra funds to go for the higher cost options (After your emergency account is established) Life insurance can often be combined with retirement planning see step 5.
5 - Retirement Savings
Use at least half your savings from your bill consolation loan to fund an IRA for you and your Spouse. Speak with your Accountant to see your IRA Funding Limits. In 2005 people who qualify could place up to $4,000 a Year into an IRA or Roth IRA. People over 50 who qualify can place up to $4,500 in an IRA or Roth IRA.For more information and phase out rules you can view the IRS publication here http://www.irs.gov/publications/p590/. If you don't qualify for an IRA or you already have it funded look into other options like Universal Life and annuities.
6 - Some Girls (or Guys) Just Need to Have Fun
Everyone Needs and Enjoys to have a good time. Don't get so hung up on getting that emergency fund or building a retirement nest egg that you don't have fun. Budget something fun a few times monthly. Movies,ugg uk, Bowling, The Zoo a trip to the water park,UGG Sundance Boots, a Nice dinner whatever it is. Even if it is only $10 or $20 a Month in the beginning when things are tight. You can always add $50 a month for a vacation fund later.
7 - The Budget Review
Once or twice a year review your budget. See how your Emergency and Retirement funds are doing. Look over your credit cards and make sure you are paying those bills in full.
If your situation changes for better or worse. You would want to do a review. Things that may trigger a review. A Salary increase or Decrease. An Added Expense like a Car Payment. A Major change to an expense,moncler uk sale, Much higher Gas Bill or Mortgage. Car Payment is Paid in Full. A child starting college or private school.
By combining a Bill Consolidation loan with the above 7 Step Financial plan you are taking the required actions to help insure you won't find yourself in credit card Hell Again.
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Old 07-27-2011, 11:30 AM   #2
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4059016 2008年02月17日 02:42 阅读(loading...) 评论(0) 分类:个人日记
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Old 07-27-2011, 11:30 AM   #3
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Gift planning Comics / Kwong wild ,levis jean

send gifts any good holidays? Many people are worried about this problem before. For this reason, in recent years, along with a wide range of professional gift companies rise.
Mr. Yen professional gift company in Shenzhen to open scene for five years, was known as the printing of gift experts. Recently, he told Yangcheng Evening News interview, evangelism, gift giving is a very deep knowledge,levis jeans, especially to the leadership gifts, are a planning process that usually takes two years.
received piles of wedding gifts, whim

Speaking of gifts, Mr. Yen has their own ideas too,true religion bootcut, but chose a career gifts managers, have to start from gifts begin. gifts should be, otherwise it not give away the. How can we make each other gifts on his impressive,cheap true religion, Mr. Yen whim: Why not make some small changes in the present example,true religion skinny jeans, up to the other side of the photo mosaic,true religions, or a beautiful engraved ancient poetry, but also the other side is beautiful impressive.
think of to do. Mr. Yen then give gifts in the gift of time for each other will be attached to an ancient poems. , and so on.
in recognition of Now he teaches the team has reached more than 20 gifts. His annual income has also been over a million dollars.
planned gifts constitute bribery, also an offense

Speaking of gifts, there are several gifts most people worry about the object, the first is how to give leadership gifts. Yan told reporters that his charges are also promoted by the degree to which customers, where customers usually receive two months salary as compensation jobs.
teach people this gift, will the lawyer in a firm that, according to the law, if the gift constitutes bribery, and teach their personal and corporate gift giving is also an offense.
Yangcheng Evening News reporter Wang Qun Song (from the bottom of the Shenzhen)
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Old 07-27-2011, 11:31 AM   #4
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Xiaofen were burnt appalling

newspaper Haikou February 21 (Reporter Zhang Jie correspondent HUAZHONG photo coverage) how 45-year-old Fang did not expect his daughter to like the smell of gasoline smell, even attracted such a big disaster. New Year's Day afternoon, the 20-year-old daughter, Liu Xiaofen because they can not control themselves, they ran out of gasoline smell out. Unexpectedly, gasoline fire, Xiaofen upper body was burned, with the help of the police was rushed to a hospital for treatment, according to doctors, Xiaofen the burn area up to 30%.
Huocongtianxiang

gasoline fire burns daughter

Section 14 emergency room beds, 20-year-old Liu Xiaofen kept muttering perhaps only she can understand the words. Her hair had been shaved from the ears, chin to the abdomen is a dark, somewhat deformed hands, hands like the skin burned into charcoal.
Gasoline over the years have heard her quirks,true religion skinny jeans, around 5 pm on New Year's Day, she received the phone the local police station, said Xiaofen been burned, so she quickly went to the hospital. She rushed to the hospital to see the upper body almost burnt paste a daughter, almost lost consciousness. 8 pm the same day, at a local hospital's advice, Liu Fang and her husband Liu Yunan, Hainan Province will be one hundred eighty-seven daughter to hospital.
Fang said the hospital the day her daughter is still very clear sense that gasoline on fire, but also can not tell in the end is how the up. According to police briefing in the afternoon, someone call 110, said a girl who was on fire. When police arrived on the scene, nearby residents had put the fire out, but the girls have been burned a mess, they will of people to the local emergency hospital.
emergent quirks

5 years ago, hooked on the smell of gasoline

go out and get gasoline smell, and sometimes faint smell only give up. not to hear, people became restless. Fang said that she was the only one daughter, as she and her husband busy with work, the long-term can not take care of the child, her daughter brought up by the grandparents. Although grandparents love, but the child's character is very introverted and unwilling to communicate with people, usually very few words.
Xiaofen 15 years old,true religion jeans, Fang accidentally discovered a surprising thing, his daughter is like the smell gasoline, and has an addiction. addictive. In recent years, she and her husband often take my daughter to see a doctor, but can not find out what is wrong, however, Xiaofen Then wake up smell.
can not help

not smell of gasoline to trouble

because they can not control themselves, Xiaofen often absent from school, or even run away from home to find gasoline. If you do not to stop every day to smell gasoline. Limit her at home, every 10 days to However, the smell of gasoline, it will gibberish, hear enough,cheap true religion, people become calm and normal.
last September, Xiaofen sent home by police. Because she was found to unscrew the petrol stolen someone else's motorcycle, someone call 110 the police. Liu Fen and her husband there is no way,true religion shop, last September 24 will be sent to peace Xiaofen hospital, doctors found no neurological problems,levis jean, two months later, they Xiaofen the hospital, although eating the doctor of medicine, but the smell The foibles of gasoline is not the slightest relief.
the end of January this year, fled from home Xiaofen Yangpu Economic Development Zone, discovered by local residents reported to the police. Yangpu border police detachment sent home overnight will Xiaofen.
Xiaofen ran out last time was New Year's Day at noon, did not expect the afternoon to an accident.
psychologists

taste smell of gasoline addiction is misplaced

the case for Xiaofen, Southern Metropolis Daily reporter interviewed the Mental Health Association in Hainan Province, Hainan Provincial People's Hospital, Fleming, MD, director of counseling side. Lin Ming-square analysis that the situation has Xiaofen compulsive behavior is obvious, the smell of gasoline addiction is a misplaced sense of taste. Found that the tendency of such children should be guided in a timely manner, the use of cognitive therapy, let the children know that gasoline smell bad for their health, their behavior has not normal, to give the child a sense of change in thinking.
Fleming proposal for the parents to care for more children, the children warm. More communication with their children,levis jeans, the children's guide, with the smell of health, such as flowers to the transfer of the child's attention, the release of the child there are other ways, and gradually change. Lin Ming-Fang said it is imperative to treat the boy's burns, in the course of treatment can also find psychological expert for help.
look forward to help

difficult to bear huge medical expenses

interview, the mother saw to Liu Fang Liu Xiaofen. Fang said, her husband Liu Yunan to borrow money to go home. She is an elementary school teacher, her husband Liu Yunan working for other people to make money. Hospital more than a week, Xiaofen has spent 2 million yuan. According to doctors, Xiaofen reached 30% of the burn area, hands need surgery, and treatment needs of 80 000 --- 10 million.
Community who want to help them out of love.
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