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Let me start by wishing my avid readers a very happy and prosperous new year. The Year 2017 has just arrived at our door steps and this is the time of the year when I must remind you all about your “new year resolutions”.

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Due to the spread of consumerism all around and overpowering of wants over needs, human being has become a slave of the debt trap. Nowadays, it is very difficult to find a person who is not servicing any loan. In fact many people take a loan just to repay another existing loan.

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