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Tips for Better Borrowing
Today it's alot easier to get the cash you need than it was 50 years ago. It's easy to establish credit, once you know how.
And you have a lot more sources to borrow from. But the bottom line is still the same: 

First, it cost money to borrow money. So you need to make sure you're making the best use of your credit options. Second, your credit is a precious commodity that's hard to replace once you lose it. You need to protect your credit carefully.

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