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Image from web page 1071 of “Baltimore and Ohio employees mag” (1912)
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Identifier: baltimoreohioemp07balt
Title: Baltimore and Ohio workers magazine
Year: 1912 (1910s)
Writers: Baltimore and Ohio staff members mag Baltimore and Ohio Railroad Business
Topics: Baltimore and Ohio Railroad Company
Publisher: [Baltimore, Baltimore and Ohio Railroad]
Contributing Library: University of Maryland, University Park
Digitizing Sponsor: LYRASIS Members and Sloan Foundation

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Text Appearing Before Image:
see the watch. Wef^^^ I, J/ tlTSX/ I watch for your requirements on approval. You might be the only judge. No obUgation purchasing simply as you have the view on endorsement. Write for Booklet! Put your title and address when you look at the voucher or on a letter or post card nowand get the Burlington Check out guide freeand prepaid. You will be aware a lot moreabout view purchasing once you read it. Also, youwill see handsome pictures entirely color of allthe latest cases from which you have to choose.The booklet is no-cost. Merely deliver your title andaddress from the coupon. Burlington Watch G>mp£my, 19th St. and Marshall Blvd.. Dept.5143 Chicago. 111.CiMiadian Off ice:338Portage Ave.. Winnipeg. Guy. Burlington Watch Co., Dept. 5143 19th Street & Marshall Blvd.. Chicago, III. Kindly deliver me personally (without responsibilities and prepaid)your no-cost guide on watches with full description ofyour money or .50 per month provide in the BurlingtonWatch. Addr* Kindly mention our mag when composing advertisers THE BALTIMORE AND OHIO EMPLOYES MAG

Text Appearing After Image:
Confirmed device of anycommodity willbuy even more transpor-tation now than itever performed before inthe history of thecountry. A lot ofSteel or a bushel ofwheat will buyinore transporta-tion now than everbefore. Walker D. Hines Director Generalof Railroads Carrying aTon a Milefor significantly less than a single thing cargo prices have played an extremely ::niall part in therising cost-of-living. Other noteworthy causes — the waste of war, under-production,credit inflation—have added dollars into cost of thenecessities of life, while cargo charges have actually addedonly cents. The average prices for hauling a lot of cargo amile is not as much as a single thing. A suit of clothing that marketed for before tha warwas carried 2,265 kilometers by railway from Chicago toLos Angeles for 16H cents. Now the freight cost is 22 cents and the fit sellsfor . Tl.e price of the match has grown 20 bucks The freight upon it has grown on^y BVj dollars Other transport costs come into thecost of every finished article—carrying the woolto the mills and t

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Debt Management V Debt Consolidation An Unbiased Comparison

People in the UK are in 2008 responsible for even more financial obligation than in the past. Debt administration ought to be a high concern for anybody holding large amounts of financial obligation these days.

It is stated that in todays economic system that consumers are very likely to have debt dilemmas than they’ve been anytime in the past ten years. Additionally, it is most likely that the situation will only develop worse if as predicted the recession bites even harder and those same consumers enable their debts to develop unchecked.

Debt management is quick becoming an extremely sought-after ways enhancing ones way of life and credit profile. Aided by the right financial obligation management programme or system you can get out-of debt fast and without processing for bankruptcy or doing to much problems for your credit profile.

If you will be finding yourself getting close to the end of your tether economically and you also you’ve got huge burden of debt on your arms then you definitely is examining some kind of a debt administration system. First thing you have to understand is a debt administration system is not only a debt consolidation loan. The target is to come to be financial obligation free and not to simply consolidate your financial troubles, although consolidation could work well in correct circumstances. The purpose let me reveal you need to look for proffessional guidance before emarking on any specific course of either financial obligation administration or debt consolidating.

Debt consolidation reduction can and becoming a good solution in certain conditions be extremely profitable for the combination organizations. Most likely, how can you think debt consolidation reduction businesses stay static in business? Its a billion pound business and also the debt consolidators make a profit whenever you to stay in financial obligation. For this reason you should think of a beneficial debt management programe before generally making your last decission.

Debt management is an activity and can also be a long term program. A debt administration system or system is made to totally expel your financial troubles into the shortest period of time making a debt free way of life for you really to enjoy. It is important to understand that thoughts is broken debt free to stay by doing this you shouldn’t be tempted because of the fancy advertisments to wonder back into the credit spiral you have actually only ecaped from.

You and everyone deserve is debt no-cost and never have that burden evaluating you straight down however in the last evaluation only you are able to stay regarding debt. Your fate is the responsibility. A great financial obligation management programe and your commitment and determination may do this for you.

Without at tailored debt management programe, the worries of debt could cause untold problems for your needs plus household. This in lots of circumstances are overwhelming to a spot that it could destroy your quality of life, relationship additionally the continuity and satisfaction associated with household. More than half the divorces in the united kingdom have actually their particular roots in pecuniary hardship brought on by debt issues, as do most tension and despair instances treated every day by our family GP’s.

Debt management is a method that really works in such a way that you could get rid of your financial troubles in a really short period of time thus avoiding a few of the issues outlined above. Debt is a real opponent and a financial obligation program can strike down that opponent with its prime permitting you regain your freedom and control.

This will therefor offer you possiblity to take it easy as well as your family members again. You can easily simply take a great deal the strain and stress out of your life with a decent debt management system.

There are many debt administration programs readily available but only some really strive to eliminate your financial troubles entirely. So if you tend to be strained by hefty financial obligation, then I urge that understand how you are able to get rid of your debt effortlessly today. If you are serious about planning to expel your financial troubles, I highly recommend that you learn more about debt management.

Geoff Hibbert provides tailored debt administration solutions and credit repair services
through their web pages http://www.thedebtmanagementcompany.co.uk
and http://www.creditrepairuk.co.uk

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10 Practical Steps To Becoming Debt Free In 3 To 5 Years

This article provides 10 practical steps or ideas to help you become debt free in three to five years.

Debt relief is a serious problem for most Americans. We live in a society where everyone wants the coolest gadgets, a nice car and a nicer house. There’s nothing wrong with that. Unfortunately, the good life that you’ve worked so hard to achieve is not free, nor does it come cheap.

If you earn any sort of a decent salary, then chances are you’ve got student loans to pay off. Education is probably one of the most expensive debts that most people will ever have. The cost of your first car is more often than not, considerably less expensive than your student loans.

So, you’ve got debt. Nearly everyone has debt, but that doesn’t make it any easier to live with. And, if your debts are starting to exceed your income, then you’ve got a real problem that can keep you up nights on end without sleep.

You need to do something about it. And you need to do something about it right now. Today!

Have no fear, you and I are of a similar kind. We know that the best way to live a good life is to have more money. But what is not obvious, is that we also need to spend less.

Really, it’s not the little stuff that knocks your budget out of whack. Time and time again, I’ve heard of people trying to budget by cutting back on a café latte’. That latte’ at $ 5 a whack, twice per day is $ 3, 650.00 per year. That may seem like a lot, but not so much as compared to new $ 20,000 car.

Which one is going to hurt you the most? The latte’ or the car at 9% interest. After 4 years, the car is going to cost you an additional $ 4,000 in interest or $ 24,000.

My point is, that no matter how much the gurus bombard you with the idea that you need to cut every corner, stop buying bottled water, eat peanut butter sandwiches and stop eating out. The effect is negligible compared to making the big purchases, such as cars, houses and taking education loans. You can save getting a better rate on auto or mortage loans. Also, if you have kids in college, before you take that student loan, seek scholarships first.

So what can you do?

1. Check your credit rating first to make sure that there are no errors on your report. Everyone in the USA is entitled to one annual free credit report. Also, if you are turned down for a credit card, you can get a free report. http://www.ftc.gov/freereports

2. Get all your expenses into an excel spreadsheet and add them all up. First add up the monthly payments, then on a separate sheet, add up the total amounts of each debt. How much is required to pay them all off?

3. Gather up all your credit cards are start calling the banks to see if you can get a reduction in interest rates. Sometimes simply asking will help. You never know until you ask.

4. Create a list of just your credit cards and loans. Make a decision to pay off either the largest balance or the highest interest rate. We start with the credit cards because they typically have the higher rates.

5. Pick one card or loan payment at a time to attack. You can make minimum payments on the other cards that you did not select to payoff. Yes, interest will accrue on the others, but you have a plan. You will double your payment on the one loan that you have selected to payoff early. For credit cards, take all the money saved from paying the minimums on the other accounts and put that money on the one you want to attack. This may seem radical but it works! This is an extremely powerful method for reducing debt.

If you decide to tackle your mortgage, then you must be aware that some mortgage companies require that you fill in the payment blank explicitly telling them how much extra goes to the principle. If you do not answer this question, they may put the extra money into an escrow account which gains no interest and is not applied to reducing the mortgage debt.

6. Stop making unnecessary credit card charges. Don’t pay for groceries or McDonalds using credit cards. Use cash for McDonalds and debit cards for groceries. You can have that latte’, but you should use cash to pay for it.

7. Take all the cards but two, one for yourself, and one for your spouse and put them in a box. Don’t cut them up or close the accounts, as some people are saying. The reason being is that your credit score reflects your “total available credit.” So, if you start closing accounts, you reduce your available credit, which hurts your credit score. We are trying to help your score, not hurt it.

8. Transfer balances for higher rate cards to lower rates. If you receive an offer for 0% for six months and you’ve got a card at 20%, then make the transfer. However, be careful to find out what is the normal rate for the 0% card. The normal rate needs to be lower than the higher rate card or you may find yourself stuck in a worse situation. 9% is a decent normal rate. Do your homework.

9. Become a bargain hunter. Don’t settle for paying retail prices. The internet is a great place to find bargains. Also, the Sunday paper can help you with coupons and other great deals. Don’t ever walk onto a car dealership without first visiting their website and viewing their clearance vehicles. Go the http://kbb.com and find out what your trade-in is worth before you start negotiation. Don’t let the big purchases bite you.

10. Do not borrow against the equity in your home. There are lot’s of great deals out there. Maybe you’re thinking about a new kitchen or a swimming pool. Don’t do it. When you decide to sell your home, your going to take one in the shorts. You’ll never get that money back when you sell your home. Brokers are typically going to charge you about 6% to sell your home, on a $ 200,000 home, that’s $ 12,000. That comes straight out of your pocket. Real estate values all across the country are on the decline. There are too many new houses on the market and the market is in constant change. Even though the interest on home equity loans is tax deductible, don’t borrow against your home for any reason. You need to maintain your equity.

Try these tips before going to a debt counselor. Most debt services will reduce the amount of your loans but at a terrible cost to your credit rating. Generally, it takes about 7 years to remove bad credit from your report. It takes 10 years to remove a bankruptcy. Most agencies provide very little in the way of actual debt counseling. What they provide is debt relief by negotiating with the same credit card companies who pay them. Becoming debt free is not easy, but if you will follow these tips, and pick one credit card or loan to attack at a time and remain committed, you can truly become debt free in three to five years. Good luck and best wishes.

Other resources:
http://www.easyinfo123.com/debtfree.html
http://www.easyinfo123.com/auto.html
http://www.easyinfo123.com/mortgage.html
http://www.collegeforkatie.com

Preston Hill is a part-time writer and researcher. To find out how more about how you can become debt free click: Debt Free This article may be freely distributed as long as it remains unaltered and the resource box remains intact.

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