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To dig yourself out of runaway debt, you must change your spending behavior. First put away your credit cards, then follow a 5-point plan to get back on track.
When you're young, retirement seems an eternity away. But if you don't start saving now, you'll miss out on the money magic that will make a huge difference later.
As many of you know, my pal Chris Guillebeau is crazy. He’s been to 119 countries, and he just keeps on flying. He wants to see them all before he turns 35 (in April 2013).
As you can imagine, Chris has accumulated a hell of a lot of frequent flyer miles over the past few years. He says he currently has 676,583 miles in eight accounts. But not all of these come from flying. Chris has learned all sorts of ways to accumulate miles without taking to the air. Now he’s put together a
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new e-book called Frequent Flyer Master that describes how you can maximize your miles, too.
I haven’t read Frequent Flyer Master but I’ve read several of Chris’ other books. They’re packed with information. They’re not scams. Plus they come with money-back guarantees. If you’re interested in travel, consider buying this guide.
Meanwhile, from elsewhere on the internet, here are few of my favorite articles from the past week:
First up, Flexo from Consumerism Commentary offers a great rebuttal to my advice to do what what works for you. “Doing what works for you can be a trap,” he warns. This philosophy can:

  • Make you think you have a license to ignore criticism.

  • Make you ignore better options.

  • Make you accept mediocrity as a way of life.

I think Flexo’s points are spot-on, and I like his conclusion. (I like it so much, in fact, that I’ll incorporate the gist into my book!) “What works is just the minimum,” he says. “Do more than that. Do what works and look for something better.”
Next, The New York Times has an interactive graph that shows the jobless rate for people like you. Lowest unemployment? White women ages 25-44 with a college degree (3.6%). Highest? Black men ages 15-24 who didn’t complete high school (48.5%). And people like me? Just 3.9%.
Also from The New York Times, here’s a story about buying into a Christmas without presents. The older I get, the more I dislike Christmas gift-giving. Does that make me a Scrooge? Not according to this article. (For more on this subject, watch for April’s Anti-Stuff Holiday Gift Guide later this week.)
Finally, here’s a round-up of recent money carnivals. These are great sources for more info about personal finance:

Now, if you’ll excuse me, I’m off to finish chapter six of Your Money: The Missing Manual.
---Related Articles at Get Rich Slowly:

Bridal necklace is one of the most important stuff for the bride and the ladies in her entourage for them to really shine in their special moment. This is why many brides and their bridesmaids have truly inched their way out in looking for the best kind of this jewelry to perfectly match it with their gown and the kind of make they are proud to flaunt on that special event. It is interesting that in this new generation there are now many bridal stores specializing in this craft. This type of jewelry piece is now part of the modern day wedding fashion.
Bridal necklace, just like any other
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pieces of ordinary jewelry, also have its many faces. By faces I mean the many ways it is best worn to fully enhance the bride and the bridesmaids’ beauty in that momentous occasion. Now that it is getting more and more popular you can easily find wonderful pieces of these jewelry anywhere any time you want it.
There are many different kinds of bridal jewelry for you to choose from. You can either have pearly ones which are among the most commonly used to match up the lacy chiffon gown also often used by many brides. If you are one who goes for some elegant pieces, you can always have the gold or silver plated which are intricately crafted.
You will be amazed to find out that that there are even wonderfully decorated bridal necklaces for beach themed weddings. Most of these necklaces for beach themed weddings are adorned with stuffs that are associated with the beach of course like shells. Bridal necklace should not only match with the kind of gown you will be flaunting with. It should also complement well with the wedding theme and the motif as well.
Now that necklaces for special occasions like weddings abound in the market, you will surely find it much easy to choose ones that are perfect for the kind of personality you got. You do not have to spend much on this kind of accessory as there are many of this type sold at very affordable prices to perfectly match the kind of budget you have. You only need to use your imagination to enhance your fashion sense for the occasion. So if you really try to shine on the most memorable event of your life, try to maximize the magic of bridal necklace.
As a bride, you would certainly look for the best accessories that would match your wedding gown. Like for instance the beaded bridal necklace that comes in many different designs to suit your purpose. Looking beautiful and elegant on your wedding day is the most important thing that concerns you. You may visit here to have wonderful selections of this item.

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Posted To: Voice of HousingWhat a difference 18 months can make. Need an example? Look no further than recent news from the GSEs that lenders are thumbing their noses at repurchase and reimbursement requests in record numbers. As reported in their quarterly filings, Fannie Mae and Freddie Mac are seeing an increase in the number of lenders not honoring agreements to repurchase loans that breached representations about the eligibility and quality of loans they sold. While this is not uncommon in the current economic environment, there is notic
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eable difference : Lenders have told us that the GSE’s are showing a new toughness when it comes to auditing non-performing loans. Once a material breach is uncovered, GSEs make a repurchase demand requiring the seller/servicer to buy the loan back from the GSE at par, regardless...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.
The timing of the application process has real financial consequences.

If you find yourself out of work and facing the end of your health insurance coverage, here's what you need to know about this safety net.
The only certain thing is that, entrepreneurs are very much involved in today’s American business arena. Tracing history back, it is said that the term entrepreneur has been conceivably recognized as an adamant part of the economic world only in the mid 1970s. The concept has then started to evolve with various meanings depending on the understanding of the society that gives meaning to it.
The answer probably lies in understanding how an entrepreneurial mindset comes about and in what circumstance it would arise. There are, indeed, two categories of people who would start enterpris
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es; those who are born risk takers and those forced by circumstances to start new businesses. For both, entrepreneurial training can be quite useful in providing frameworks that assist new enterprises to reduce the high risk of failures in start-ups. Secondly, as enterprises invariably emerge from the entrepreneurial phase to the managerial one, business owners must understand enough of the knowledge and skills involved in making an enterprise works.
Even though much is said and written about goals and plans being necessary for success as an entrepreneur, few people learn the mechanics of successful goal setting and planning. It’s not the plan but the planning that is important, and the goal setting process allows them to develop the confidence to take risks and fail. Successful entrepreneurs are not only goal driven and goal oriented; they have learned to execute the process of strategic and tactical goal setting and planning. Visualizing goals, writing them down and putting together a detailed plan for achievement provides the confidence and motivation to prevail.
Finally, entrepreneurs understand that there is a toll to pay. To be successful in any role in life you must be prepared to pay full price one time. There are really no overnight successes as an entrepreneur. In fact, I’ve heard it said that overnight success generally takes 15-20 years. One of the early tolls that entrepreneurs are quite often forced to face is the “re-making” of themselves that can include growing beyond their current circle of contacts. Since most people tend to stay within their own psychological comfort zone, they begin to lose identity with the risk taker.
In today’s world, the opportunities for learning to be an entrepreneur are much greater because of the internet. Moreover, starting an enterprise is made less risky because the need for a large initial outlay is eliminated Also the lessons for beginning an Internet Marketing business are made easier by successful practitioners. Further more, much of the resources, mostly information, required are in the internet itself. The author’s website in the resource box would provide a lead to a program which helps one to acquire an entrepreneur’s mindset and start an internet marketing business. Wishing you every success in a new enterprise!
My latest article is about the memory foam mattress. If you enjoyed this article, please check out my other articles.

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Posted To: MBS CommentaryLast week we'd been discussing the impending drop (November Class A settlement, meaning December coupons become "front month" and/or "on the run" resulting in a sizeable time-value-of-MBS-money-related "drop") in the context of previously significant price levels. We suggested that with enough strength, we could be looking at maintaining a few layers of technical support starting with 100-28+. Not only did we maintain that level, but even manage to stay above 101-00 after the drop. Treasuries, shown above,
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also had some fun with technical support after dropping past 3.49 on the day. That level, although tested several times, turned out to hold up well with the 10yr improving 5 ticks in price to a yield of 3.480. Meanwhile, the 2yr note was unchanged, thus indicating...(read more)Forward this article via email:  Send a copy of this story to someone you know that may want to read it.
Hold on to your landline without the cost of a long-distance plan.

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