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caoxueer1r
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Alaturat: 29 August 2009
Mesaje: 5
Trimis: 29 August 2009 , 05:18 | IP inregistrat Citat caoxueer1r

Blaming credit cards f young adults' money woes is popular these days; high-school and college students are putting way too many college expenses and other charges on their cards, the thinking goes. wow power leveling,

But as credit-card issuers and Congress race to crack down on over-browing, do we risk barring the do so tightly that teens miss out on opptunities to learn financial responsibility?

In a recent article that bucks the popular wisdom about teen credit-card use, my colleague Karen Blumenthal cites a study that suggesting credit cards may be merely a scapegoat f a lack of family communication about money. Kids with credit cards aren't the reckless spendthrifts they've been ptrayed to be,requiem lant, the study shows. College freshmen with credit cards carry only a $169 balance, on average, says this 2,000-student study at the University of Arizona. And me than 60% of the credit-card holders demonstrated exemplary credit management skills, paying the bill in full every month.
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To be sure, 70% of all the students surveyed (which included both teens with and without cards) showed bad financial judgment at times, failing to pay bills on time, maxing out credit cards  taking payday loans. But the credit-card holders were no me  less likely to commit these errs than students who lacked plastic. daoc plat,Instead, the significant fact was whether students had good communication about money with their parents; those who did, also had me control over their finances.

Thus the current Congressional crackdown on teen credit-card use may amount to barring the wrong do. A new federal law that takes effect next year tightens rules governing credit-card issuance f people under 21. Banks and colleges are on the same path, sharply reducing teen access to credit without adult co-signs. lastchaos gold,
The rules will hamper young adults who are ready to take me personal responsibility f their financial decisions, Karen says. In a pre-emptive strike I'm planning to emulate with my 18-year-old son, Karen has persuaded her 19-year-old daughter to get a credit card befe the new federal legislation takes effect. Managing the card will not only enable her to earn a good credit recd, but give her room to make her own mistakes when the consequences and dollar amounts are low, Karen says.
cabal alz,
We've posted befe on the challenges of encouraging your kids to learn money management in a recession and on teaching teens to spend responsibly. Readers, would you let your teen have a credit card? If you do, how would you teach them responsibility? Any pitfalls to avoid, in your view?
rf gold,
Blaming credit cards

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abwenzi
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Alaturat: 11 Septembrie 2009
Mesaje: 5
Trimis: 11 Septembrie 2009 , 05:58 | IP inregistrat Citat abwenzi

Keep glucose goods close at hand. If you are traveling by plane, pack your medications, insulin,
  Aion kina syringes, test strips, lancets, ketone strips, and other supplies so there's no chance of losing them. If you don't already have one, get a medical ID bracelet or necklace that alerts people that you have Diabetes and provides a number to call in an emergency.
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Pack a snack. Wherever you go, take a totable snack like an apple, an energy bar, a banana, raisins, or cheese and crackers in case your blood sugar starts to dip when you don't have immediate access to your food. If you sample your snacks en route, replenish your supplies as soon as you can.
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Mind your meals. If you're flying or taking an extended trip by rail, call the carrier a few days before you depart and ask what special meals they have available for people with Diabetes or heart disease (there may be more than one option to choose from).
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When you're en route, wait for meal service to actually begin before you take your pre-meal insulin to make sure you don't experience low blood sugar in the event that service is unexpectedly slowed or canceled. When traveling by car, try to stick to your regular mealtime schedule to keep your blood sugar stable. Sro Gold If that's not possible, carry snacks along with you and be alert to symptoms of low blood sugar, such as nervousness, sweating, and crankiness. If you feel a hypoglycemic episode coming on, pull over immediately and take sugar pill or have something to eat. Wait at least 10 to 15 minutes for the feeling to pass before continuing
  Sro Gold
Get in the zone. Traveling across different time zones can throw your schedule completely off, but you can compensate for the disruption if you're careful. When adding hours to your day by traveling west, you may need to take more insulin. When losing hours traveling east, you may need less. Check with your doctor for specific recommendations. As for timing your injections and meals, keep your watch set to your Home time as you travel to your destination, then switch your watch -- and your schedule -- to the local time the morning after you arrive.
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Annstory
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Alaturat: 06 Ianuarie 2011
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Trimis: 06 Ianuarie 2011 , 10:18 | IP inregistrat Citat Annstory

wedding dresses Eyes on celebrity weddings,we see what's the first couple of 2011 wedding dresses.
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Shania Twain married Frederic Thiebauld in Puerto Rico on Saturday. The wedding took place at a private home on the beach in Rincon wedding gowns.
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In exclusive photos provided by TMZ, Twain is shown wearing a strapless white wedding dress with a dark-colored sash. Thibault wore a white suit prom dresses.
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After the exchange of vows, guests at the wedding serenaded the newlyweds with the Beatles classic “All You Need is Love.” Twain performed later at the reception wedding dresses.
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The couple of two years confirmed their engagement in December wedding dresses.
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Thiebauld is the ex-husband of Twain’s former best friend Marie Anne Thiebauld wedding gowns.
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freugg
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Alaturat: 19 Noiembrie 2010
Mesaje: 66
Trimis: 16 Ianuarie 2011 , 03:19 | IP inregistrat Citat freugg

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freugg
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Alaturat: 19 Noiembrie 2010
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Trimis: 24 Ianuarie 2011 , 02:49 | IP inregistrat Citat freugg

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freugg
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Alaturat: 19 Noiembrie 2010
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Trimis: 11 Februarie 2011 , 03:17 | IP inregistrat Citat freugg

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kllkk
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Alaturat: 25 Februarie 2011
Tara: 美国
Mesaje: 6
Trimis: 25 Februarie 2011 , 09:01 | IP inregistrat Citat kllkk

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yellow13
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Alaturat: 12 Martie 2011
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Trimis: 12 Martie 2011 , 08:40 | IP inregistrat Citat yellow13

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llugg0
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Alaturat: 22 Martie 2011
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Trimis: 01 Aprilie 2011 , 07:58 | IP inregistrat Citat llugg0

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