2013년 11월 23일 토요일

오전 8:39

By Irene Breeding

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About 'calculating dti ratio'|Money lies







About 'calculating dti ratio'|Money lies








Ｗｈｅｎ               ｉｔ               ｃｏｍｅｓ               ｔｏ               ｍａｎａｇｉｎｇ               ｏｕｒ               ｐｅｒｓｏｎａｌ               ｆｉｎａｎｃｅｓ,               ｗｅ               ｃａｎ'ｔ               ｈｅｌｐ               ｂｕｔ               ｍａｋｅ               ｍｉｓｔａｋｅｓ               ｎｏｗ               ａｎｄ               ａｇａｉｎ.

Ｂｏｕｎｃｉｎｇ               ｃｈｅｃｋｓ,               ｉｇｎｏｒｉｎｇ               ＡＴＭ               ｆｅｅｓ,               ａｎｄ               ｆｏｒｇｅｔｔｉｎｇ               ｔｏ               ｐａｙ               ａ               ｂｉｌｌ               ｉｎ               ａ               ｔｉｍｅｌｙ               ｍａｎｎｅｒ               ａｒｅ               ａｌｌ               ｃｏｍｍｏｎ               ｍｉｓｔａｋｅｓ               ｔｈａｔ               ｅａｃｈ               ｏｆ               ｕｓ               ｈａｖｅ               ｍａｄｅ               ｉｎ               ｔｈｅ               ｐａｓｔ.

Ｏｎｅ               ｍｉｓｔａｋｅ               ｔｈａｔ               ｍａｎｙ               ｐｅｏｐｌｅ               ｍａｋｅ               ｉｓ               ｉｎ               ｎｏｔ               ｒｅａｌｉｚｉｎｇ               ｔｈａｔ               ｇｅｔｔｉｎｇ               ａｈｅａｄ               ｆｉｎａｎｃｉａｌｌｙ               ｉｓ               ｎｏｔ               ｊｕｓｔ               ａｂｏｕｔ               ｅａｒｎｉｎｇ               ｍｏｒｅ               ｍｏｎｅｙ;               ｉｔ               ａｌｓｏ               ｍｅａｎｓ               ｔａｋｉｎｇ               ａ               ｃｌｏｓｅ               ｌｏｏｋ               ａｔ               ｈｏｗ               ｙｏｕｒ               ｍｏｎｅｙ               ｉｓ               ｓｐｅｎｔ.

"Ｗａｔｃｈ               ｔｈｅ               ｐｅｎｎｉｅｓ               ａｎｄ               ｔｈｅ               ｄｏｌｌａｒｓ               ｗｉｌｌ               ｔａｋｅ               ｃａｒｅ               ｏｆ               ｔｈｅｍｓｅｌｖｅｓ"               ｉｓ               ａｓ               ｓｏｌｉｄ               ｂｉｔ               ｏｆ               ａｄｖｉｃｅ               ｆｏｒ               ｏｕｒ               ｃｅｎｔｕｒｙ               ａｓ               ｉｓ               ｗａｓ               ｗｈｅｎ               Ｂｅｎｊａｍｉｎ               Ｆｒａｎｋｌｉｎ               ｆｉｒｓｔ               ｓａｉｄ               ｉｔ               ｉｎ               ｔｈｅ               1700ｓ.
               Ｈｅｒｅ               ｉｓ               ａ               ｒｏｕｎｄｕｐ               ｏｆ               15               ｃｏｍｍｏｎ               ｍｏｎｅｙ               ｍｉｓｔａｋｅｓ               ｔｈａｔ               ｃａｎ               ｅａｔ               ａｔ               ｔｈｅ               ｐｅｎｎｉｅｓ               (ａｎｄ               ｄｏｌｌａｒｓ)               ｉｎ               ｙｏｕｒ               ｃｈｅｃｋｂｏｏｋ.

Ｌｅａｒｎｉｎｇ               ｆｒｏｍ               ｔｈｅｓｅ               ｍｉｓｔａｋｅｓ               ｓｏ               ｔｈａｔ               ｔｈｅｙ               ａｒｅｎ'ｔ               ｒｅｐｅａｔｅｄ               ｉｓ               ｗｈａｔ               ｌｅａｄｓ               ｔｏ               ｗｅａｌｔｈ.
               1.

Ｐａｙｉｎｇ               ｙｏｕｒ               ｂｉｌｌｓ               ｌａｔｅ.

Ｃｒｅｄｉｔｏｒｓ               ｈａｖｅ               ｂｉｌｌｓ               ｏｆ               ｔｈｅｉｒ               ｏｗｎ,               ｗｈｉｃｈ               ｉｓ               ｗｈｙ               ｔｈｅｙ               ｐｅｎａｌｉｚｅ               ｉｎｄｉｖｉｄｕａｌｓ               ｗｈｏ               ｍａｋｅ               ｌａｔｅ               ｐａｙｍｅｎｔｓ.

Ｔｈｅｓｅ               ｐｅｎａｌｔｉｅｓ               ｒａｎｇｅ               ｆｒｏｍ               ａ               1.5%               ｉｎｔｅｒｅｓｔ               ｆｅｅ               ｔｏ               ａ               $45               ｌａｔｅ               ｆｅｅ               ａｎｄ               ｍｏｒｅ.

Ｐａｙｉｎｇ               ｂｉｌｌｓ               ｌａｔｅ               ｃａｎ               ａｌｓｏ               ｉｍｐａｃｔ               ｙｏｕｒ               ｇｏｏｄ               ｃｒｅｄｉｔ               ｗｈｉｃｈ               ｍｅａｎｓ               ｔｈａｔ               ｙｏｕ               ｃａｎ               ｅｘｐｅｃｔ               ｔｏ               ｐａｙ               ａ               ｈｉｇｈｅｒ               ｉｎｔｅｒｅｓｔ               ｏｎ               ｆｕｔｕｒｅ               ｃｏｎｓｕｍｅｒ               ｌｏａｎｓ.
               2.

Ｉｇｎｏｒｉｎｇ               Ｔｒａｎｓａｃｔｉｏｎ               ｆｅｅｓ.

Ｍａｎｙ               ｕｔｉｌｉｔｙ               ｃｏｍｐａｎｉｅｓ,               ｔａｘ               ａｇｅｎｃｉｅｓ,               ａｎｄ               ｓｃｈｏｏｌｓ               ｕｓｅ               3ｒｄ               ｐａｒｔｙ               ｐａｙｍｅｎｔ               ｐｒｏｇｒａｍｓ               ｔｏ               ｐｒｏｃｅｓｓ               ｏｎ-ｌｉｎｅ               ｐａｙｍｅｎｔｓ               ｆｏｒ               ａ               1-3%               "ｔｒａｎｓａｃｔｉｏｎ               ｆｅｅ".

Ａ               ｃｈｅａｐｅｒ               ｓｏｌｕｔｉｏｎ               ｉｓ               ｔｏ               ｐａｙ               ｂｙ               ｃｈｅｃｋ               ｏｒ               ｔｏ               ｓｅｔ               ｕｐ               ａ               "ｂｉｌｌ               ｐａｙ"               ｐａｙｍｅｎｔ               ｐｌａｎ               ｗｈｉｃｈ               ｉｓ               ｆｒｅｅ.
               3.

Ｎｏｔ               ｃｈｅｃｋｉｎｇ               ｒｅｃｅｉｐｔｓ.

Ｂａｓｅｄ               ｏｎ               ｍｙ               ｏｗｎ               ｅｘｐｅｒｉｅｎｃｅ,               1               ｉｎ               3               ｒｅｔａｉｌ               ｓｔｏｒｅｓ               ｍａｋｅ               ｅｒｒｏｒｓ               ｉｎ               ｔｈｅｉｒ               ｆａｖｏｒ.

Ｃｈｅｃｋｉｎｇ               ｒｅｃｅｉｐｔｓ               ｂｅｆｏｒｅ               ｌｅａｖｉｎｇ               ｔｈｅ               ｓｔｏｒｅ               ｗｉｌｌ               ｃａｔｃｈ               ｍｉｓｓｅｄ               ｃｏｕｐｏｎｓ               ａｎｄ               ｏｖｅｒ               ｒｉｎｇｓ               ｔｈａｔ               ｃｏｓｔ               ｙｏｕ               ｍｏｎｅｙ.
               4.

Ｌｏｓｅ               ｔｒａｃｋ               ｏｆ               ｙｏｕｒ               ｓｐｅｎｄｉｎｇ.

Ｔｈｉｓ               ｉｓ               ｏｎｅ               ｍｉｓｔａｋｅ               ｔｈａｔ               Ｉ'ｖｅ               ｈａｄ               ｔｏ               ｄｅａｌ               ｗｉｔｈ               ｏｖｅｒ               ｔｈｅ               ｙｅａｒｓ               ｂｅｃａｕｓｅ               Ｉ               ｓｈｏｐ               ｗｉｔｈ               ａ               ｄｅｂｉｔ               ｃａｒｄ.

Ｏｎｅ               ｔｉｐ               ｔｈａｔ               ｗｏｒｋｓ               ｆｏｒ               ｍｅ               ｉｓ               ｔｏ               ｔａｋｅ               ａ               ｌｉｍｉｔｅｄ               ａｍｏｕｎｔ               ｏｆ               ｃａｓｈ               ｗｉｔｈ               ｍｅ               ｗｈｅｎ               ｓｈｏｐｐｉｎｇ               ｏｒ               ｂｕｙ               ａ               ｇｉｆｔ               ｃａｒｄ               ｔｏ               ｕｓｅ               ｉｎｓｔｅａｄ.
               5.

Ｈａｖｉｎｇ               ｔｏｏ               ｍａｎｙ               ｃｒｅｄｉｔ               ｃａｒｄｓ.

Ｗｈｅｎ               ｌｅｎｄｅｒｓ               ｅｖａｌｕａｔｅ               ａ               ｌｏａｎ               ａｐｐｌｉｃａｔｉｏｎ,               ｔｈｅｙ               ｖｉｅｗ               ａｌｌ               ｔｈｏｓｅ               ｃｒｅｄｉｔ               ｃａｒｄｓ               ａｓ               ｓｏｕｒｃｅｓ               ｏｆ               ｐｏｔｅｎｔｉａｌ               ｄｅｂｔ               ｅｖｅｎ               ｉｆ               ｔｈｅｙ               ｓｉｔ               ａｔ               ｚｅｒｏ               ｂａｌａｎｃｅｓ.

Ａ               ｈｉｇｈ               ｄｅｂｔ-ｔｏ-ｉｎｃｏｍｅ               ｒａｔｉｏ               ｍｅａｎｓ               ａ               ｈｉｇｈｅｒ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｆｏｒ               ｙｏｕｒ               ｎｅｗ               ｌｏａｎ.

(Ｖｉｅｗ               Ｃａｌｃｕｌａｔｉｎｇ               ｙｏｕｒ               ｄｅｂｔ-ｔｏ-ｉｎｃｏｍｅ               ｒａｔｉｏ"               ｔｏ               ｌｅａｒｎ               ｈｏｗ               ｈｏｗ               ｔｏ               ｄｅｔｅｒｍｉｎｅ               ｙｏｕｒ               ＤＴＩ               ｎｕｍｂｅｒ).
               6.

Ｎｏ               ｃｈｅｃｋｉｎｇ               ａｃｃｏｕｎｔ.

Ｈａｖｉｎｇ               ａ               ｃｈｅｃｋｉｎｇ               ａｃｃｏｕｎｔ               ｉｓ               ａｎ               ｉｍｐｏｒｔａｎｔ               ｓｔｅｐ               ｉｎ               ｅｓｔａｂｌｉｓｈｉｎｇ               ａ               ｇｏｏｄ               ｒｅｌａｔｉｏｎｓｈｉｐ               ｗｉｔｈ               ａ               ｂａｎｋ.

Ｉｔ               ａｌｓｏ               ｍｅａｎｓ               ｎｏ               ｍｏｒｅ               ｐｕｒｃｈａｓｉｎｇ               ｍｏｎｅｙ               ｏｒｄｅｒｓ               ｔｏ               ｐａｙ               ｙｏｕｒ               ｂｉｌｌｓ               ｏｒ               ｃｈｅｃｋ               ｃａｓｈｉｎｇ               ｆｅｅｓ.
               7.

Ｎｏｔ               ｕｓｉｎｇ               ｃｏｕｐｏｎｓ.

Ｉ'ｍ               ｎｏｔ               ａ               ｃｏｕｐｏｎ               ｃｌｉｐｐｅｒ               ｓｉｎｃｅ               Ｉ               ｃｏｏｋ               ｆｒｏｍ               ｓｃｒａｔｃｈ               ｈｏｗｅｖｅｒ,               Ｉ               ｗｉｌｌ               ｇｒａｂ               ｔｈｅ               ｓｔｏｒｅ               ｃｉｒｃｕｌａｒｓ               ａｓ               Ｉ               ｗａｌｋ               ｔｈｒｏｕｇｈ               ｔｈｅ               ｄｏｏｒ               ｏｆ               ｍｙ               ｆａｖｏｒｉｔｅ               ｇｒｏｃｅｒｙ               &               ｄｉｓｃｏｕｎｔ               ｄｅｐａｒｔｍｅｎｔ               ｓｔｏｒｅｓ.

Ｇｒａｂｂｉｎｇ               ｔｈｅ               ａｄｓ               ｓａｖｅｓ               ｍｅ               ~               ｏｎ               ａｖｅｒａｇｅ               ~               ａｂｏｕｔ               $25               ｐｅｒ               ｖｉｓｉｔ               ｗｈｉｃｈ               ｉｓ               ｓｏｍｅ               ｓｅｒｉｏｕｓ               ｃａｓｈ.
               8.

Ｕｓｉｎｇ               ｔｈｅ               ｏｖｅｒｄｒａｆｔ               ａｓ               ａ               ｓｈｏｒｔ               ｔｅｒｍ               ｌｏａｎ.

Ｂｏｕｎｃｉｎｇ               ａ               ｃｈｅｃｋ               ｓｅｔｓ               ｏｆｆ               ａｎ               ａｖａｌａｎｃｈｅ               ｏｆ               ｏｖｅｒｄｒａｆｔ               ｆｅｅｓ               ｔｈａｔ               ｃａｎ               ｗｉｐｅ               ｏｕｔ               ｈａｌｆ               ａ               ｐａｙｃｈｅｃｋ.

Ｔｏ               ａｖｏｉｄ               ｐａｙｉｎｇ               ｏｖｅｒｄｒａｆｔ               ｆｅｅｓ,               ｓｉｇｎ               ｕｐ               ｆｏｒ               ｏｖｅｒｄｒａｆｔ               ｐｒｏｔｅｃｔｉｏｎ               ｏｒ               ｋｅｅｐ               ａｎ               ｅｘｔｒａ               $200               ｉｎ               ｙｏｕｒ               ａｃｃｏｕｎｔ               ｔｏ               ｃｏｖｅｒ               ａｄｄｉｔｉｏｎ               ｍｉｓｔａｋｅｓ               ｙｏｕ               ｍｉｇｈｔ               ｍａｋｅ.
               9.

Ｎｏｔ               ｈａｖｉｎｇ               ｃｒｅｄｉｔ               ｃａｒｄｓ.

Ｗｈｅｎ               ｐｒｏｐｅｒｌｙ               ｕｓｅｄ,               ａ               ｃｒｅｄｉｔ               ｃａｒｄ               ｃａｎ               ｓａｖｅ               ｙｏｕ               ｍｏｎｅｙ,               ｅａｒｎ               ｒｅｗａｒｄｓ               ｃｒｅｄｉｔｓ,               ａｎｄ               ｗｉｌｌ               ｉｍｐｒｏｖｅ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｓｃｏｒｅ               ｗｈｉｃｈ               ｔｒａｎｓｌａｔｅｓ               ｔｏ               ｌｏｗｅｒ               ｉｎｔｅｒｅｓｔ               ｒａｔｅｓ               ｏｎ               ｃａｒ               &               ｈｏｍｅ               ｌｏａｎｓ.
               10.

Ｉｇｎｏｒｉｎｇ               ｔｈｅ               ｆｉｎｅ               ｐｒｉｎｔ               ｏｎ               ｐａｙｍｅｎｔ               ｐｌａｎｓ.

Ｐｒｉｖａｔｅ               ｐａｒｔｙ               ｐａｙｍｅｎｔ               ｐｌａｎｓ               ａｒｅ               ｆｒｏｎｔ               ｌｏａｄｅｄ               ｗｉｔｈ               ａ               ｈｅｆｔｙ               ｐｒｏｃｅｓｓｉｎｇ               ｆｅｅ               ｗｈｉｃｈ               ｗｈｅｎ               ａｄｄｅｄ               ｔｏ               ｔｈｅ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ               ｗｉｌｌ               ａｄｄ               ｈｕｎｄｒｅｄｓ               ｏｆ               ｄｏｌｌａｒｓ               ｔｏ               ｔｈｅ               ｃｏｓｔ               ｏｆ               ｙｏｕｒ               ｐｕｒｃｈａｓｅ.

Ｂｅｆｏｒｅ               ｊｕｍｐｉｎｇ               ｏｎ               ｂｏａｒｄ               ｗｉｔｈ               ａｎ               ｉｎ-ｓｔｏｒｅ               ｆｉｎａｎｃｅ               ｐｌａｎ,               ｃｈｅｃｋ               ｔｈｅ               ｆｉｎｅ               ｐｒｉｎｔ               ｔｏ               ｄｅｔｅｒｍｉｎｅ               ｉｆ               ｕｓｉｎｇ               ａ               ｃｒｅｄｉｔ               ｃａｒｄ               ｍａｙ               ａｃｔｕａｌｌｙ               ｂｅ               ｃｈｅａｐｅｒ.

Ｃｈｅａｐｅｒ               ｙｅｔ,               ｐａｙ               ｉｎ               ｃａｓｈ.
               11.

Ｎｅｖｅｒ               ｃｏｍｐａｒｉｓｏｎ               ｓｈｏｐ.

Ｍｙ               ｄａｕｇｈｔｅｒ               ｌｏｖｅｓ               ｔｈｅ               ｃｌｏｔｈｅｓ               ｃａｒｒｉｅｄ               ａｔ               Ｍａｃｙ'ｓ               &               Ｄｅｂ               ｂｕｔ               ｈａｓ               ｄｉｓｃｏｖｅｒｅｄ               ｔｈａｔ               Ｒｏｓｓ               ｃａｒｒｉｅｓ               ｍａｎｙ               ｏｆ               ｔｈｅ               ｓａｍｅ               ｂｒａｎｄｓ               ａｔ               50-75%               ｌｅｓｓ.

Ｃｏｎｓｕｍｅｒｓ               ｗｈｏ               ｄｏｎ'ｔ               ｃｏｍｐａｒｉｓｏｎ               ｓｈｏｐ               ａｒｅ               ｐａｙｉｎｇ               ｐｒｅｍｉｕｍ               ｐｒｉｃｅｓ               ｗｈｉｃｈ               ｌｏｗｅｒｓ               ｙｏｕｒ               ｓｐｅｎｄｉｎｇ               ｐｏｗｅｒ.
               12.

Ｎｏｔ               ｈａｖｉｎｇ               ａ               ｓａｖｉｎｇｓ               ａｃｃｏｕｎｔ.

Ｗｉｔｈｏｕｔ               ｓａｖｉｎｇｓ,               ｙｏｕ               ａｒｅ               ｓｔｕｃｋ               ｂｏｒｒｏｗｉｎｇ               ｆｏｒ               ｖａｃａｔｉｏｎｓ,               ａ               ｎｅｗ               ｃａｒ,               ｅｍｅｒｇｅｎｃｉｅｓ               ａｎｄ               ｏｔｈｅｒ               ｕｎｅｘｐｅｃｔｅｄ               ｅｘｐｅｎｓｅｓ               ｔｈａｔ               ｃｒｏｐ               ｕｐ.

Ｈａｖｉｎｇ               ｍｏｎｅｙ               ｉｎ               ｓａｖｉｎｇｓ               ｍｅａｎｓ               ｃａｓｈ               ｆｌｏｗｉｎｇ               ｔｈｅｓｅ               ｅｘｐｅｎｓｅｓ               ｗｈｉｃｈ               ｓａｖｅｓ               ｙｏｕ               ｉｎｔｅｒｅｓｔ.
               13.

Ｌｅｎｄｉｎｇ               ｍｏｎｅｙ               ｔｏ               ｆｒｉｅｎｄｓ               ｏｒ               ｃｏｓｉｇｎｉｎｇ               ｏｎ               ａ               ｌｏａｎ.

Ｉｆ               ｙｏｕｒ               ｆｒｉｅｎｄ'ｓ               ｃｒｅｄｉｔ               ｉｓ               ｓｏ               ｒｏｔｔｅｎ               ｔｈａｔ               ｔｈｅ               ｂａｎｋ               ｗｏｎ'ｔ               ｒｉｓｋ               ｌｏａｎｉｎｇ               ｔｈｅｍ               ｍｏｎｅｙ,               ｗｈｙ               ｓｈｏｕｌｄ               ｙｏｕ?

Ｌｅｎｄｉｎｇ               ｍｏｎｅｙ               ｍｅａｎｓ               ｙｏｕ               ｐｒｏｂａｂｌｙ               ｗｏｎ'ｔ               ｓｅｅ               ｉｔ               ｂａｃｋ               ａｎｄ               ａｓ               ｆａｒ               ａｓ               ｃｏ-ｓｉｇｎｉｎｇ,               ｄｏｎ'ｔ               ｅｖｅｎ               ｔｈｉｎｋ               ａｂｏｕｔ               ｉｔ               ｕｎｌｅｓｓ               ｙｏｕ               ｅｎｊｏｙ               ｈａｖｉｎｇ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｗｒｅｃｋｅｄ               ａｎｄ               ｐａｙｃｈｅｃｋ               ｇａｒｎｉｓｈｅｄ.
               14.

Ｐｏｏｒ               ｔａｘ               ｐｌａｎｎｉｎｇ.

Ｔａｘ               ｐｌａｎｎｉｎｇ               ｇｏｅｓ               ｂｅｙｏｎｄ               ｓａｖｉｎｇ               ｕｐ               ａｌｌ               ｙｏｕｒ               ｒｅｃｅｉｐｔｓ               ａｎｄ               ｔｒａｃｋｉｎｇ               ｄｅｄｕｃｔｉｂｌｅ               ｅｘｐｅｎｓｅｓ,               ｉｔ               ｍｅａｎｓ               ｐｌａｎｎｉｎｇ               ｆｏｒ               ｎｅｘｔ               ｙｅａｒ.

Ｍｏｓｔ               ｏｆ               ｕｓ               ａｒｅ               ｎｏｔ               ｉｎｔｉｍａｔｅｌｙ               ｆａｍｉｌｉａｒ               ｗｉｔｈ               ｔｈｅ               ｔａｘ               ｌａｗｓ               ｗｈｉｃｈ               ｉｓ               ｗｈｙ               ｈｉｒｉｎｇ               ａｎ               ａｃｃｏｕｎｔａｎｔ               ｔｏ               ｐｒｅｐａｒｅ               ｙｏｕｒ               ｔａｘｅｓ               ａｎｄ               ｈｅｌｐ               ｗｉｔｈ               ｔａｘ               ｐｌａｎｎｉｎｇ               ｃａｎ               ｓａｖｅ               ｙｏｕ               ｍｏｎｅｙ               ａｔ               ｔａｘ               ｔｉｍｅ.
               15.

Ｄｏｎ'ｔ               ｏｖｅｒｅｘｔｅｎｄ               ｙｏｕｒｓｅｌｆ.

Ｌｉｖｉｎｇ               ｗｉｔｈｉｎ               ｙｏｕｒ               ｍｅａｎｓ               ｔｈａｔ               ｙｏｕ               ｃａｎ               ｌｉｖｅ               ｃｏｍｆｏｒｔａｂｌｅ               ｏｎ               ｙｏｕｒ               ｅｘｉｓｔｉｎｇ               ｉｎｃｏｍｅ               ｗｉｔｈｏｕｔ               ｔｈｅ               ｗｏｒｒｙ               ｏｆ               ｍｅｅｔｉｎｇ               ｍｏｎｔｈｌｙ               ｐａｙｍｅｎｔｓ.

Ｔｈｅ               ｍｏｎｅｙ               ｓａｖｅｄ               ｃａｎ               ｂｅ               ｕｓｅｄ               ｔｏ               ｐｕｔ               ｙｏｕｒ               ｋｉｄｓ               ｔｈｒｏｕｇｈ               ｃｏｌｌｅｇｅ               ａｎｄ               ｓａｖｅ               ｕｐ               ｆｏｒ               ａ               ｒｅｔｉｒｅｍｅｎｔ               ｎｅｓｔ               ｅｇｇ               ｔｏ               ｓｅｅ               ｙｏｕ               ｔｈｒｏｕｇｈ               ｔｈｏｓｅ               ｇｏｌｄｅｎ               ｙｅａｒｓ.
               Ｒｅｌａｔｅｄ               ｃｏｎｔｅｎｔ               ｂｙ               ｔｈｉｓ               ａｕｔｈｏｒ:               
               Ｒｅａｄ               Ｃｏｎｓｕｍｅｒ               Ｔｉｐｓ               ｆｏｒ               Ａｖｏｉｄｉｎｇ               Ｈｉｄｄｅｎ               Ｃｒｅｄｉｔ               Ｃａｒｄ               Ｆｅｅｓ               ｔｏ               ｌｅａｒｎ               ｈｏｗ               ｔｏ               ｂｅｔｔｅｒ               ｍａｎａｇｅ               ｙｏｕｒ               ｃｒｅｄｉｔ               ｃａｒｄ               ｄｅｂｔ.


               Ｋｎｏｗ               Ｔｈｅ               Ｒｉｓｋｓ               ｏｆ               Ｃｏｓｉｇｎｉｎｇ               ａ               Ｌｏａｎ               ｗｉｌｌ               ｅｘｐｌａｉｎ               ｈｏｗ               ｃｏｓｉｇｎｉｎｇ               ｃａｎ               ｄｅｓｔｒｏｙ               ｙｏｕｒ               ｃｒｅｄｉｔ               ａｎｄ               ｍａｙ               ｌｅａｄ               ｔｏ               ｗａｇｅ               ｇａｒｎｉｓｈｍｅｎｔ.


               Ｆｉｖｅ               ｒｅａｓｏｎｓ               ｗｈｙ               ｈｉｒｉｎｇ               ａ               ｔａｘ               ａｃｃｏｕｎｔａｎｔ               ｍａｋｅｓ               ｓｅｎｓｅ               ｓｐｅｌｌｓ               ｏｕｔ               ｈｏｗ               ｈａｖｉｎｇ               ａ               ｐｒｏｆｅｓｓｉｏｎａｌ               ｐｒｅｐａｒｅ               ｙｏｕｒ               ｔａｘｅｓ               ｉｎｓｔｅａｄ               ｏｆ               ｄｏｉｎｇ               ｉｔ               ｙｏｕｒｓｅｌｆ               ｗｉｌｌ               ｓａｖｅ               ｙｏｕ               ｍｏｎｅｙ.






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calculating dti ratio
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calculating dti ratio
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calculating dti ratio
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calculating dti ratio
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  • Related blog with calculating dti ratio





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    6. hampcramps.wordpress.com/   11/15/2010
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    7. sareque.blogspot.com/   01/12/2013
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