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People thought I was Chicken Little when I warned them about what Sacramento was doing, but it has become pretty apparent now. Neither type of assistance is a good substitute for a zero-down program, a bill for which was introduced in Congress in 2004. Just ask for a new form from your employer's payroll department or download one from the IRS Web site. APR provides you with thetruecost of any sources of credit, and enables you compare like with like.
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