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Don't Refinance Your Home to Pay Off Credit Card Debt - There's a Better Way (Advocate Tribune) - (ARA) - Ever received one of those offers in the mail that seems like the solution to all your problems? It may have said, "Your home is an untapped resource. Refinance your loan with us and you'll get quick cash to buy a car, fund college or pay off your credit card debt.". The Most Intelligent Way to Eliminate Personal Debt (Waynesboro Record Herald) - (ARA) - Tired of feeling like you're living from paycheck to paycheck? Have interest charges driven your credit card balances so high, you feel like you'll never get out of debt? If so, you're not alone.. Credit Card Debt Help (Hornell Evening Tribune) - (ARA) - Ever hear of indentured servitude? It's a historical concept that means you're basically working for free to pay off some obligation (like a share cropper). Ever just make your minimum credit card debt payments every month and feel like you are just spinning your wheels?. OneSteel set to buy Smorgon for $781m (The Economic Times) - MELBOURNE: OneSteel and Smorgon Steel Group agreed a revised A$1 billion ($781 million) takeover plan that blunts opposition from rival BlueScope Steel and averts competition concerns.. This Week's IPOS: Dayton Superior Corp, Claymont Steel, Fuwei Film, Melco PBL Entertainment, Oculus Sciences (SeekingAlpha via Yahoo! Finance) - Abbi Adest submits: The IPOs on deck for this week include: Dayton Superior Corp. , a concrete supplier for the non-residential construction market; Claymont Steel Holdings , the largest North American non-union steel plate maker; Fuwei Film Holdings , a Chinese plastic film manufacturer; Melco PBL Entertainment , a Macau-based gaming concern; Oculus Innovative Sciences [ ]. UPDATE 3-OneSteel,Smorgon revise takeover plan, blunt BlueScope (Reuters Finance News, Australia via Yahoo!7 Finance) - MELBOURNE, Dec 18 (Reuters) - OneSteel Ltd. OST.AX and Smorgon Steel Group Ltd. SSX.AX agreed a revised A$1 billion ($781 million) takeover plan that blunts opposition from rival BlueScope Steel Ltd. BSL.AX and averts competition concerns.. Eliminate Credit Card Debt (Kewanee Star Courier) - (ARA) - You've heard the old adage, pay down your credit card debt each month to avoid the nasty interest rate charges and fees that result from revolving balances.. Consumers caught in spiral of payday loans (Akron Beacon Journal) - Our state has just been given another honor -- but this is one we don't want. In a recent report from the Center for Responsible Lending, Ohio is among the top 10 states where consumers are paying the most in fees from payday loans. Nationally, the nonprofit group estimates that consumers pay $4.2 billion in fees to the payday industry every year. In Ohio in 2005, consumers paid nearly $233 . The gift that keeps on giving (9 News Denver) - KUSA - Experts say that the holidays are financially stressful, but they do not have to be. One solution is to embrace the practice of regifting.. Gov. Kaine's Prepared Remarks (Washington Post) - RICHMOND -- Gov. Timothy M. Kaine today unveiled the budget amendments he will submit for consideration by the 2007 General Assembly during a speech to the Joint Money Committees. The prepared text of his remarks follows: .