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Her daughter and mine play together all the time. Our husbands are best of friends, and we watch over each other's home when we are out of town. My best friend lives across the street.

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A tax credit is a dollar-for-dollar reduction in the tax liability.

For purchases that don't appreciate, save up for the purchase. Are you planning to pay off high interest debt or go furniture shopping? Tapping into all of your home equity makes sense if you see immediate financial improvement.

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