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The latest on the Key Bridge collapse, New York puts forth legislation to get clean energy projects on the grid and Wisconsin and other states join a federal summer food program to help feed kids across the country.

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Republicans float conspiracy theories on the collapse of Baltimore's Key Bridge, South Carolina's congressional elections will use a map ruled unconstitutional, and the Senate schedules an impeachment trial for Homeland Secretary Mayorkas.

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Historic wildfires could create housing and health issues for rural Texans, a Kentucky program helps prison parolees start a new life, and descendants of Nicodemus, Kansas celebrate the Black settlers who journeyed across the 1870s plains seeking self-governance.

Happy "Debt Free" New Year

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Tuesday, January 2, 2007   

A lot of Minnesotans are starting the New Year with a financial hangover. Darryl Dahlheimer with LSS Financial Counseling says too many Minnesotans found their holiday generosity exceeded their income. He adds that going under is now easier than ever.

"Our grandparents never had the ease we do with getting into debt. We can slide into tens of thousands of dollars of credit card debt, or refinance hundreds of thousands of dollars of home mortgage debt with just a single signature or a phone call."

Dahlheimer has two tips for those who may have overspent a bit last month:

"If you're not in trouble but just not making progress, vow to pay more than the minimums. If they ask you for 20 bucks a month, raise it up to 30 bucks a month, just because you get out of debt twice as fast by adding ten bucks to the minimum. But if you are in trouble, for gosh sakes, go get help."

He says a good source of help is the National Foundation for Credit Counseling, which can be reached at www.nfcc.org.

Estimates are that households have an average credit card debt of $8,600. Dahlheimer says consumers can gain from a sound plan to lower interest rates and reduce late payment fees.

More online at www.lssmn.org.



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