[Christopher321]

The world of borrowing money has become vastly more complicated than ever before. Once upon time, you could walk down the street to the community savings and loan and borrow against the equity in your house to start a business, remodel your kitchen or send Johnny off to college. As long as you had equity in your home, stable income and you paid your bills on time, you were pretty much a shoe in; those days are gone.

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  And who is Johnny? 

[phtht]

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 Hey, phtht, don't only post links, WRITE SOMETHING!