We need to talk about the word "cheapskate." Every day, it appears at the top of this column, yet what the word means to me has come up only once, in my very first column, which was released more than six years ago. So I can't really blame the reader who sent me a letter recently accusing me of being a hypocrite. I'm the one who took the bold move to redefine the word, a little something I may have failed to mention to her and to you.

It all goes back to my life as a credit c ...

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