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Mortgage Insurance? Not on Your Life!
Dear Mary: I just bought a house, and I've been getting a lot of flyers about mortgage protection insurance. Is it something good for a new homeowner or just a waste of money? — Donna, email
Dear Donna: Great questions. "Mortgage …Read more.
Tips That Make You Feel Like a Genius
Secretly, I feel like a genius when I discover a secondary use for this or that — in case I run out of this, but have plenty of that! Like using a paper coffee filter to wash a glass top or mirror when I'm in a pinch for paper towels. Or using …Read more.
Supermarket Tricks That Makes Us Spend More
I've always thought of myself as pretty sharp when it comes to spotting supermarket trickery. I'm not even fazed by an end-cap display announcing, "Special." I know their ways. They hope we'll just assume that "special" means …Read more.
The Struggle to Actually Use up Gift Cards
My love-hate relationship with gift cards has intensified. What a pain, really. I'm one who just forgets to use them, and when I remember, I try to figure out how to use each one to the last cent. I was reminded of my situation recently when I …Read more.
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Let the Bridal and Baby Shower Games Cease Already!Dear Mary: I am stuck in a cycle of nonstop bridal and baby showers. Once wedding events are finished for one couple, the baby showers start, until the next bridal showers start again for someone else. By now, I dread the typical shower games and activities. Do you have any ideas for throwing successful showers without the games and without breaking the bank? — Shan, e-mail Dear Shan: Take control, girl! There is no protocol that says you must play games at a shower. Serve a lovely lunch or afternoon refreshment. Ask a close friend to give a "devotional," or short inspirational talk, about the bride- or mother-to-be, and allow your guests to enjoy one another. Once the gifts are opened, thank your guests for coming and help the guest of honor pack up to go home. That's what I would do. However, I know readers will have many alternatives for you. So let's invite them to share. When they do, I'll pass along their ideas! Dear Mary: How can I stop the flood of spam e-mail that I receive? I have my spam filter set, and I flag the e-mails that make it through as junk, but they keep coming and coming. What am I missing? — Leslie, e-mail Dear Leslie: I wish I knew. I have done all the things you mention, but still my inbox fills with junk. I've come to the conclusion that some junk is just the price we pay for the convenience of e-mail. I find it to be a small annoyance compared with e-mail's benefits. Dear Mary: I read the recent "Everyday Cheapskate" column about using free Wi-Fi in public places instead of paying for service at home.
Dear Marianne: You are right. I have confirmed this. You never should access your bank account or pay bills online while using a public Wi-Fi connection. That's one of the drawbacks to not having Internet access that you pay for. If you do not have access to a secure connection, say, at work or at the home of a friend or relative, pay your bills through the mail, the old-fashioned way. There always is going to be give-and-take when you choose to cut your expenses in significant ways. The trick is to find reasonable work-arounds that will allow you to make those cuts. Do you have a question for Mary? E-mail her at mary@everydaycheapskate.com, or write to Everyday Cheapskate, P.O. Box 2135, Paramount, CA 90723. Mary Hunt is the founder of www.DebtProofLiving.com and author of 18 books, including "Can I Pay My Credit Card Bill With a Credit Card?" To find out more about Mary and read her past columns, please visit the Creators Syndicate Web page at www.creators.com. COPYRIGHT 2010 CREATORS.COM
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