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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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