; Keeping afloat in the wake of 'underwater' mortgages
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Keeping afloat in the wake of 'underwater' mortgages

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Since the 1980s, Americans have been using the equity in their homes, and stock market gains, to finance a spending binge. Some families (I'd like to think most) have been living within their means, have kept debt to manageable levels, have avoided the pitfalls of the real estate boom/bust, and have steered clear of the trap of "payday loans."

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