I get so frustrated when people tell me it's unrealistic to create an eight-month emergency savings fund or have money saved for a home down payment or pay off their $5 000 credit card balance.

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I use many different gadgets connected with computers I use PCs laptops and a Palm Pilot. I also use the Internet to visit websites especially within Polish-language Internet. I usually go to political discussion groups and sites - of course as I use my real name people never believe that they are chatting with me!