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Updated by jiboj45391 on Jul 10, 2023
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Refinancing

https://vifreepress.com/2022/12/minimal-financier-how-to-optimize-the-assets-and-liabilities-of-the-family/
Assets are long-term values, that is, everything that costs money and can be sold in the future: an apartment, a summer house, a car, household appliances, and jewelry.