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If youre changing employers and receiving a lump sum from a qualified retirement plan, you might consider rolling these monies into an IRA.

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(ii) For a covered longer-term loan that is a line of credit, a lender must not permit a consumer to obtain an advance under the line of credit more than 180 days after the date of a required determination under this paragraph , unless the lender first makes a new determination that the consumer will have the ability to repay the covered loan according to its terms.

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