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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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Quick Tips for Crystal-Clear GlasswareDear Mary: I am an avid reader of "Everyday Cheapskate." I need help. I am a new widower. I helped my wife for years but didn't learn everything. My problem is that items made of clear glass come out of the dishwasher looking clouded and white. Once I rewash them by hand with water and a cloth, the residue comes off easily. Because I usually do not have a full load, I do not fill the detergent basket the whole way, thinking that with a reduced load I do not need a full load of detergent. Help! — Chuck, e-mail Dear Chuck: Automatic dishwashers and the detergent formulated to work in them want their owners to follow the instructions laid out in the owners manual. If you cannot locate the manual that came with your appliance, you can go online to that manufacturer's Web site to read it. I suggest you read it all the way through to understand the cycles — such as "short wash," "rinse and hold" and "pots and pans" — and the proper way to load the dishwasher. Be sure to run the machine with the correct amount of detergent, even if it's not a full load of dishes. Measure the detergent. Do not rely on the "dump method." The residue you describe may be from the detergent, or it could be minerals from the water that were not washed away properly. Your machine likely has a reservoir for a rinse aid, such as Jet-Dry. Once you find this reservoir, you can try filling it with white vinegar instead of the Jet-Dry product.
Dear Mary: I am looking for a debt calculator. We need to pay down debt in a bad way. I want to access that tool and seriously use it this time. Is it in one of your books or only at your Web site for members? We are completely maxed out, and two of our credit cards have minimum payments that are equal to car payments! That's not all of it, but those really hurt. I'm ready to take that first step. Let me know where I can find this tool! — Angie, e-mail Dear Angie: The Rapid Debt-Repayment Plan Calculator and Manager is located in the members area of http://www.DebtProofLiving.com. It is an amazing tool that will create a personalized repayment plan that gets you out of debt in record time. It also will manage the implementation of your plan. You will know exactly where you are relative to your debt-free day at any given time in the process. Once you become a Debt-Proof Living Online member, you will have access to this tool 24/7. Just go to http://www.DebtProofLiving.com; click on "Join Now" and you'll be on your way. I'm happy to hear you are motivated to get out of debt! 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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