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	ARMs
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	Home Buyers Education
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	Hybrids Offer Low Rates
	If You Are Self Employed
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	The Language of Financing
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	The Margin on an ARM
	The Mortgage Shop
	The Real Bottom Line
	The Seller May Pay
	They Said Yes
	Watch Your ARMs Length
	When Interest Rates Rise
	Who Pays the Points
	Your Financial Cushion
	Your Mortgage

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Q	Which law allows a person to give another individual up to $10,000 a year without any tax consequences?
A	The Federal Gift Tax Law allows both parents to give a child (or anyone) $10,000 each in one year.
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