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How Ringtones Work

electronics.howstuffworks.com/ringtone.htm

Ringtones are the easiest way to personalize your cell phone. Find out how ringtones work and learn ways to add your favorite ringtones to a cell phone.

Catastrophic Insurance

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Catastrophic insurance is minimum coverage that only protects against a catastrophic injury. Learn about the pros and cons of catastrophic insurance coverage.

Flexible Savings Accounts

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Flexible spending accounts are accounts in which you can deposit a portion of your pre-tax paycheck. Learn about flexible spending accounts.

Does Paying People to Relocate to a State Work?

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HowStuffWorks looks at whether student loan forgiveness and other incentives encourage people to move or remain in a state.

People Are Snatching Up Treasury I Bonds Paying 9.62 Percent

money.howstuffworks.com/personal-finance/budgeting/treasury-bonds-treasury-notes-news.htm

The old-school savings bond is suddenly hot again, thanks to its inflation-protected interest rate.

5 Best Countries for Expats, Based on Cost, Culture, and Care

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Making life abroad a reality means balancing money, safety, culture, and daily life in a host country that is not your home country. It's important to consider each of those factors in harmony with each other when determining the best countries for expats.

July 20 Birthday Astrology

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A Cancer born July 20 is symbolized by the Crab and can see the positive side of any situation. Learn about July 20 birthday astrology.

Where does the color come from in purple cabbage?

science.howstuffworks.com/life/botany/question439.htm

Nature uses color in lots of different ways. Find out why some types of cabbage are purple and what this means.

How to Negotiate a Mortgage Loan Modification

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This article explains how to negotiate a mortgage loan modification. Visit HowStuffWorks.com to learn how to negotiate a mortgage loan modification.

Learned Optimism Yields Health Benefits

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Learn how an optimistic attitude can help you avoid depression and even improve your health. Explore learned optimism at HowStuffWorks.

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