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You don’t need more stuff to make you happy. What you need is financial peace of mind. So cut up your credit cards or freeze them. I mean this literally. Put them in a container of water and stash them in your freezer. Then when there’s an opportunity to spend, you have time to thaw out you and the credit cards and really decide if you need that purchase.

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Small brokerage companies, which operate using some quasi legal schemes, are being ousted from the market.

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Let's say that you sell the EUR/USD at 1.

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This means that it is time to sell.