But like most powerful tools, if you use it incorrectly it can hurt you. It’s essential to take on debt for the right reasons and under the right guidance, he says. When you use debt responsibly ...

However, if that isn’t possible, soak your nails in lukewarm water for a few minutes to soften them. Gather the proper tools. Use a nail clipper or nail scissors for your fingernails and a toenail ...

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If this happens, fight your instinct to swim. Turn onto your back and tilt your head back in the water, submerging your ears. Relax and try to breathe normally, using your hands to helps you stay ...