'A penny saved is a penny earned;' financial lessons from the past

Buying a home is one of the biggest decisions and commitments one will ever make, yet many people are not nearly as familiar with the ins and outs of the mortgage process as they are with their favorite TV show or sports team. Taking time to educate yourself will go a long way in easing the stress of buying a home and preparing you for the responsibilities of home ownership.
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When all the holiday dust settles, tax time begins for millions of Americans. Regardless of when you file, follow these tips to make preparing your 2010 taxes easier.
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Below are some sample questions you may want to ask potential event photographers to help you choose wisely - don't be shy about asking more!
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Spring and summer may be the seasons that first come to mind when you begin planning a wedding, but autumn has a lot to offer brides too. From cooler, dryer weather and the glorious backdrop of fall colors to the opportunity to land a great deal on a reception venue, fall delivers many rewards for couples on the road to wedded bliss.
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In addition to making a foreclosed home look new again, completing these easy and affordable updates can go a long way in restoring the value of the property when it comes time to sell.<
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Putting off that home improvement project? Waiting too long could be detrimental to your wallet. On Dec. 31, the federal tax credit worth up to $1,500 for energy-efficient home improvements will expire, leaving procrastinating homeowners out in the cold - or at least chilly from their old, drafty windows.
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The weather outside is about to get frigid and frightful, but inside, many homeowners can still enjoy the comfort and coziness of warmth ... if they don't have to worry about cold air drafts and leaks causing the temperature inside to plummet like the climate outside.
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If you're tired of getting nickeled and dimed by your bank, it's time to switch. Irritation with unnecessary fees is the No. 1 reason consumers switch banks, according to a recent survey by Javelin Strategy and Research.
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Homeowners renovate for two basic reasons: money and fun. Or, more precisely, they undertake home improvements to improve their home's resale value or their enjoyment of their house. The best home improvements, however, are ones that deliver on both objectives.
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A new home: It's your chance to personalize your living space with details that suit your taste and personality. Or, so you think. Many builders only allow you to choose colors; and offer limited options beyond their builders' grade materials. Or, if you've purchased a previously owned home, it too is most likely equipped with many basic options.
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Going to college is, for most students, the first time they'll feel really independent. And, accordingly, the rest of the world starts treating them like adults too, from the expectations of college professors to the credit card offers that will start flooding in. And just as it's important to study hard for a major, it's essential to learn what are the real benefits and repercussions of having a credit card.
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Outdoor experts point to five hot trends in patio design to help elevate your backyard patio from a nice patch of bricks to your favorite spot to entertain and relax this summer.
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Have you ever wondered if you'll be able to afford retirement? Do you question if your finances will keep you afloat if your family were to experience a medical emergency or another expensive and unplanned event? Take one hour to review your finances and discover if there are areas where your plans can be stronger.
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When it comes to home improvement, you don't have to be a professional to get professional-looking results. Many simple projects can dramatically update your home and are easy enough for even the novice do-it-yourself-er.
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In a tough housing market, homeowners want to improve their home's beauty and functionality, while adding resale value. This may include choosing products that reduce maintenance, save energy, improve appearance and offer protection from the damaging forces of nature. Here are some tips for problem areas that could benefit from the latest home solutions:
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