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With bill consolidation, you make only one monthly payment — a good idea for when you have five, or maybe even 10 separate payments for credit cards, utilities, phone service, etc.

If you consolidate all bills into one, the single payment should be at a lower interest rate and reduced monthly payment.

Consolidate Your Debt Now Debt consolidation is combining several unsecured debts — credit cards, medical bills, personal loans, payday loans, etc. Instead of having to write checks to 5–10 creditors every month, you consolidate bills into one payment, and write one check.This can allow you to set aside a portion of your income each month to pay down balances for each card, one at a time.When you have paid off all the cards, choose one and be responsible with how you use it.You could get a home equity line of credit, a home equity loan or a second mortgage on your home, or refinance your existing mortgage.Other options include borrowing against a whole life insurance policy and borrowing against you retirement savings.




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Drawing on rarely seen archival footage, stills, and recent interviews, The Opera House chronicles the creation of the Metropolitan Opera’s storied home of the last 50 years, against the backdrop of the artists, architects, and politicians who shaped the cultural life of New York City in the 50’s and 60’s.


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Over her fifty-year career in Long Beach, QUEEN MARY has been listed on the National Register of Historic Places, accepted by The National Trust for Historic Preservation as part of their Historic Hotels of America, and has welcomed RMS QUEEN MARY 2, QUEEN VICTORIA and QUEEN ELIZABETH to her new home.


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We lavish billion a year on weddings, more than we spend on pets, coffee, toothpaste and toilet paper combined. When an informal sample of 52 Americans of different ages, professions and hometowns were asked the first thought that came to mind on hearing the word “family,” the answers varied hardly at all. At the end of the baby boom, in 1964, 36 percent of all Americans were under 18 years old; last year, children accounted for just 23.5 percent of the population, and the proportion is dropping, to a projected 21 percent by 2050.


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The following abbreviations and their meanings are some of the most commonly used out there. SETE Smiling Ear To Ear SHID Slaps Head In Disgust SO Significant Other SWAK Sealed With A Kiss SWL Screaming with Laughter SYS See You Soon TA Thanks Again TOY Thinking Of You TTFN Ta Ta For Now TTYL Talk To you Later WB Welcome Back WTH What/Who The Heck YBS You'll Be Sorry YG Young Gentleman YL Young Lady YM Young Man ttyl talk to you later ttys talk to you soon tcob taking care of business ttfn ta ta for now Another thing that was previously mentioned is your text size and appearance.