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  #1 ()
songfeng305 : My boyfriend got me a necklace for christmas. It was $60 and the box said "diamond accent" we were both wondering if it was real diamonds.
Either way, it is a very nice necklace and I love him for getting me it. Real or not.

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  #2 ()
tomn067 : A teeny weeny diamond can cost hundreds of dollars, so I doubt they are real, but the value of a gift received from a loved one is priceless.
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  #3 ()
arcadeismyname : diamonds are real, accent just means they are very small and usually a diamond chip rather than an actual stone that was cut.
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  #4 ()
mejdawdkrg : Just moving out of my parents house and I have literally no credit , how do I get good credit ?
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  #5 ()
Shiegephabe : if over 21 and in USA , u use
a library to learn b4 u get burned
and pay 1000s to d it.

life can and is done on cash only in USA
it is legal.

library will help not get burned.
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  #6 ()
vialueree : You get good credit by establishing a positive credit history, which you can do by getting a credit card and making the payments on time. Your first credit card can be hard to come by as you have no existing credit, but if you are a student the easiest one to get is a Citibank college credit card. The limit will be low, mine was 600 dollars, but you should use it for purchases but pay it off every month. Your credit is determined by your total credit limit on all accounts, the total amount owed as a percentage of total credit, your payment history of on time payments, and the total number of inquiries (credit checks) in the last 12 months. Also the amount of time you have had credit is a factor, so bear in mind that it will take time to establish good credit. The worst thing for your credit is closed accounts and open collections, so by starting from zero you are better off then most people. Just always remember to NOT spend more than you make. It can be very tempting to spend as much as your credit limit allows, as the minimum payments are small compared to the total balance. But remember you still owe the money and you will have to be able to make the payments indefinitely as long as you carry a principal/
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  #7 ()
Molinotuse : Give me some information which is better. What it does? How it would benefit me?
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  #8 ()
pamEnera : I was gonna buy something from ebay today and i dont have a credit or a debit car and i dont like using my parents. So i go out to walgreens and buy a greendot moneypak, and i went home to apply it onto my paypal. But little did i know you had to be 18 to activate the moneypak. Now they are sending me a refund in the mail for the amount of money i put on the card but it does not include the 5 dollars i used to buy the card. Is there anyway i can talk to them and have my parents activate it and cancel the refund. I really dont want to wait for 7 to 10 days for my refund and keep the seller waiting and debit cards and credit cards are out of the question. Please help...
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  #9 ()
Dyertonnori : I had one at 16
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  #10 ()
Dallas3040 : You are going to need to try and pay more off as you can. A large portion of the credit formula deals with debt ratios, and if all of your lines are nearly maxed out, you have a relatively unfavorable debt ratio. My advice is to keep making your payments, except start paying more (as you are able) on the one carrying the smallest balance. Once that is paid off, move on the next one. This method can help with managing your debt ratio.
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