Who created melkor and why did melkor turn bad?

It is important to learn about finances. take, for instance, the old rule of saving ten percent of every paycheck. are most people aware that theyshould immediately take that percentage out of their paycheck and put it into savings? balancing your checkbook is another important element ofkeeping track of your money. buy a money tracking program and use it to manage your money. another important tip is to speak with a financialplanner and learn about stocks and bonds. come up with a savings plan that includes a 401k, stocks, and bonds. and start young. the longer youwait to save, the less compound interest you will accumulate.which is the best title for this paragraph?