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If you're having serious financial difficulties you can obtain free advice from StepChange Debt Charity or the National Debtline . [link widoczny dla zalogowanych] Fair money lenders in USA If the sum of your adjusted gross income, nontaxable interest, and half your 2012 Social Security benefits exceeds $34,000 ($44,000 for couples), up to 85 percent of your benefits may be taxable. You can minimize this expense by using certain tax-saving moves, such as investing in annuities that allow you to earn interest that isnât taxed until you withdraw it.

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