Now that all the holiday shopping is over, the credit card bills will soon arrive. A sweeter gift than any iWhozit comes when you figure out how to erase debt.
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Third, if you have money left, start investing in stocks, bonds, and money market funds . You want to buy a diversified portfolio of stocks, as individual stocks are too risky. For most folks this means buying mutual funds . … Investing in a mutual fund IRA for retirement may give you an income tax break. Talk to your tax adviser
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