These are tough times. And many of us are feeling it in our wallets. But .. No matter how tough times are, we can't forget the basics. And the subject definitely is one of the basics. And, without the basics taken care of, how can you get started?
Below is one of the best articles we have ever read on the subject. It lays everything out nicely, it's easy to read, and, understand, it touches on all of the key issues, and, best of all, when you have finished reading it, you will definitely know which is a very good direction to take given your circumstances.

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This is by far one of the best articles we have seen recently. We hope you enjoyed reading it. Each year it seems that somebody comes out with a new take on an old problem, however, this is the most interesting way to look at it that we have found.

If you have some tips on the subject that you would like to share with our other readers, please leave your comments. We would welcome your input into the discussion.

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