Websites/phone numbers mentioned:Oct 9, 2007 on clarkhoward.com

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Oct 09, 2007 -- Websites/phone numbers mentioned:

SpiralFrog.com - Free music downloads
Pandora Radio - Listen to free music online
EvaluateLifeInsurance.org - Estimate "true" investment returns on any cash value life insurance policy
CDARS.com - Enjoy full FDIC insurance on deposits up to $50 million
AnnualCreditReport.com - The one and only free annual credit report

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