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Black Friday is here and it's time to gear up for some serious shopping. But how do you know if a deal is genuine, or just a marketing ploy?

Money expert Rubina Ahmed-Haq shares her insights on how to score the best deals while avoiding potential scams.

From identifying genuine bargains to shopping smart, Rubina's tips are sure to make your Black Friday a success.

And as a bonus, she also discusses the changes to the mortgage stress test for homeowners.

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