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Southern Region Defined Benefit Restructuring Making DB affordable and viable Joint IAP×BIPM Breakfast Meeting Venue: Imperial Hotel, South Mall, Cork Date: Thursday, 19th November 2009 Time: 7.45

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1. Start by gathering all relevant financial information, such as income and expenses.
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4. Look for additional sources of income or ways to increase your current income.
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1. Individuals or families struggling with financial difficulties and seeking to reduce expenses.
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4. Individuals trying to pay off debts and improve their financial health.
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