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But Bodge admits this ideal-world scenario isnt always the reality: Thats easy enough for us financial experts to say, because were going to be more financially responsible than the average person. Personal finance expert Tiffany Aliche agrees: She says that saying to never carry a credit-card balance is like telling kids the best way not to get pregnant is abstinence

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This card holder embarks Apple's MagSafe technology, allowing it to magnetically attach to the back of your iPhone