Current Pension Topics: Credit-Card Debt & Buybacks
By JOEL L. FRANK
      Q.: I have $12,000 in credit-card debt and would like to know the best way to pay it off. G.P. A.: The first and indispensable step is to scissor up all of your credit cards. Step 2 is to make a compact with your mind's eye never to use a credit card again. Step 3 is to use a debit card that pays you back cash.
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YOUR SOCIAL SECURITY
By DAVID BROWN
      It is important to regularly check your records to make sure that the name and number on your Social Security card match the name and number you're using elsewhere. If you don't, it could cost you time, money and effort to resolve. Your Social Security number and the name on your Social Security card are often used by companies and government agencies to check your identity.
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