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We stand now with the tide of hard times lapping at our feet, and of soft, comfortable times slowly being drawn out to sea. With the soft times going and the hard ones coming, we must alter the way we live in order to persevere.
One thing you can do to brace yourself is to go back to your suppliers—to your telephone provider, landlord, car dealer—and renegotiate. Go to the people you are paying out t
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