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to equity loans is much lower than that applied to unsecured equity indexed annuity beneficiary such as credit card debt. "A professor used to tell me, `you can pay me know or pay me later`," McMurry says. "If you`re talking to a credit card company, the payment later`s going to be a heck of a lot more, perhaps than equity indexed annuity beneficiary think it`s going to be." Experts agree you need to make sure the numbers work in your favor rather than stack up against you. Loan modification. These programs basically lower the rate on your

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