The app worked 90 percent of the time but had to be restarted occasionally when it failed to connect -- no fun when you're missing your favorite show.

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No, planning is not as much fun as getting your adrenalin going when you just know you have the perfect nanocap trading strategy.

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Lastly, no more than 30% of your take-home pay should go toward your Lifestyle Choices , which covers the fun you can have today: shopping, entertainment, personal care, the gym, gifts and more.

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