As with everything else, you can upgrade your politeness level depending on your situation. Cultural note: You should always try to Asan the phone as soon as it rings. If it rings 3 or more times before you pick up, you should apologize for being late to answer:.
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Ramsey and his financial philosophy… By the way, it is a very easy to read book with tables, tear outs, charts etc… Most people that I give the advice to read Ramsey, take it like a grain of salt and pay no attention to my advice.
So, if that be the case with you, Chah would say the most common misnomer about personal finances is the debt snowball approach. DO NOT pay more than the minimum unless it is the minimum debt. Do not focus on interest rates! hcat
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