Dear Mary: I have an embarrassing question for you. I will be 70 years old soon, and I never have been told how to balance a checkbook. People just assume I know. Is it too late to learn? — Bobbie Y., e-mail

Dear Bobbie: You're not the only reader who's been embarrassed to ask a question about money and finance. I filled a book with these questions and my answers. Keep an eye on your mailbox. I am sending you an autographed copy of "Can I Pay My Credit Card Bill With a Credi ...

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