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	<description>Household Budgeting Advice</description>
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		<title>Your Questions About Cigarette Trousers For Women</title>
		<link>http://richmamasecrets.com/2292/your-questions-about-cigarette-trousers-for-women/</link>
		<comments>http://richmamasecrets.com/2292/your-questions-about-cigarette-trousers-for-women/#comments</comments>
		<pubDate>Mon, 21 Nov 2011 18:00:27 +0000</pubDate>
		<dc:creator>richmama</dc:creator>
				<category><![CDATA[Family Budgeting]]></category>
		<category><![CDATA[Blonde Hair]]></category>
		<category><![CDATA[Cheese Cutter]]></category>
		<category><![CDATA[cigarette]]></category>
		<category><![CDATA[Eye Contact]]></category>
		<category><![CDATA[Gf]]></category>
		<category><![CDATA[Ghosts]]></category>
		<category><![CDATA[Hipster]]></category>
		<category><![CDATA[Just Friends]]></category>
		<category><![CDATA[Reading Glasses]]></category>
		<category><![CDATA[Space One]]></category>
		<category><![CDATA[Tight Space]]></category>
		<category><![CDATA[Time Travelers]]></category>
		<category><![CDATA[Train Home]]></category>
		<category><![CDATA[Train Station]]></category>
		<category><![CDATA[Trousers]]></category>
		<category><![CDATA[Tweed]]></category>
		<category><![CDATA[Walking Down The Street]]></category>
		<category><![CDATA[Wayfarer]]></category>
		<category><![CDATA[Weird Thing]]></category>
		<category><![CDATA[Whole Time]]></category>

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		<description><![CDATA[Jenny asks… I think I came into contact with two time travelers/ghosts today what do you think? This afternoon before I caught my train home I was sitting on the side of a fountain outside of my train station, just smoking a cigarette. I saw an oddly paired couple walking down the street, not like [...]]]></description>
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<p class="name">Jenny asks…</p>
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<h2>I think I came into contact with two time travelers/ghosts today what do you think?</h2>
<p>This afternoon before I caught my train home I was sitting on the side of a fountain outside of my train station, just smoking a <strong>cigarette</strong>. I saw an oddly paired couple walking down the street, not like a gf/bf couple, but just friends. The man was African American and looked about 70. He was wearing a brown tweed coat, brown <strong>trousers</strong>, a cheese cutter hat, and wayfarer reading glasses. The interesting thing was, all of the clothes definitely looked like they had come from the era of the first time they were fashionable (not twenty eleven hipster). He seemed quite skeptical of the world around him. The <strong>women</strong> he was with looked 25-30 and was very tall. She was wearing a white jumpsuit (like an actual tight space one) and had very short (but not trendy) almost white blonde hair. She was very confident and there was something extremely ether about her. The whole time they were walking down the street she was looking directly at only me and maintaining eye contact and he was just looking around at everything. I was thinking wtf so kind of looked away and thought if I avoided her they wouldn&#8217;t come towards me. However she still did and asked me &#8220;Do you have any coins <strong>for</strong> me so that I can catch the bus&#8221;. She had a very knowing look on her face, and no distinguishable accent whatsoever. I was a bit taken aback and said &#8220;No sorry I forgot my eftpos card today&#8221; while nervously laughing. I then added &#8220;Oh and my coins&#8221; but she just chuckled as they walked straight off. Okay so your probably thinking&#8230; yeah and ??right now but the weird thing was: They only approached me. They only looked at me as if I was the only one they could see or the only one that could see them. And no one around payed them any attention as if they weren&#8217;t there or even looked at them at all considering how out there they were dressed. And it was almost as if she didn&#8217;t really need the money, they just approached me to see if I actually could see/hear her.<br />
Don&#8217;t call me crazy, and I am not on crack, but I am a piscess and very intuitive/ strong connections with paranormal world. I almost feel as if these two people were time travelers or ghosts. What do you think.</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">Anything is possible. I have heard of &#8220;time slips&#8221; in which a person can see another from another when or &#8220;dimension&#8221;. Read up on it.  Documentation is available that involved mysteries of the Bermuda Triangle springs to mind. Keep an open mind, and don&#8217;t do drugs!</p>
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<p class="name">Susan asks…</p>
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<h2>These are the characteristics of someone I am dating, shuold I run for my life?</h2>
<p>1-Whenever we are at a restaurant , he makes sthng to attract attention. He is charming about it but he is always making scenes in a humorous sense.<br />
2-He reacts to criticism or expression of discomfort in an aggressive and wild attitude. When asked why every time we fight he does this he says it is to provoke you to break the silence.<br />
3-He wears only expensive brands, drives a jaguar, spends money extravagantly.<br />
4-He complains a lot about his health.<br />
5-He wants ppl to accommodate him , come to meet him next to his house etc.<br />
6-He is always super busy<br />
7-He hates it when someone complains of his attitude and demands from him some presence.<br />
8-He had a very active sexual life with anti social values until two or three years ago. Going out with ill reputed ladies and having affairs with married <strong>women</strong>, now afraid that it will all be brought back on him.<br />
9-He cares so much about his appearance and mine (physical)<br />
10-Is very superficial regarding his emotions , he talked a lot about how he loved me first two weeks , but  now is always too busy to send even one sms.<br />
11-When talking about past relationship he is always brief and never gives details unless it is of sexual nature, but his engagement and marriage is a big dark secret and the reasons he is giving <strong>for</strong> the divorce and breakup are totally wired.<br />
12-He is always making manly gestures , opening the door, lighting my <strong>cigarette</strong> , buying stocks of them , spending on outing and presents a lot… he told me about his 20,000 USD salary after almost 10 days of knowing him<br />
13-He is claiming to know influential ppl at my organization yet refusing to tell me their names and stating that he harmed someone who harmed me and yet refusing to say how or giving any details (fishy!!)<br />
14-He loves dirty jokes and superficial talks with no substance, he gets suffocated by deep conversations and overly down.<br />
15-In a period of 3 months , he had so many complaints about his health (high blood pressure, allergy attack, maree2 inflammation, food poisoning, low oxygen level and high hemoglobin)<br />
16-Making comments about my physical appearance , why not try shorter hair, I love tight ¾ <strong>trousers</strong> and describes sandals that match, he evn described length of nails and type of nail paint that he likes .. etc<br />
he makes the 20,000 USD a month, his car is provided by his company as well as his house.. he doesn&#8217;t have him in his name<br />
guys , no I need someone to tell me , cause he is charming , fun, good looking and rich! I need someone to tell me this is no good and why!</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">The fact that you are asking this question is pretty telling. . . It definitely isn&#8217;t a good sign. It isn&#8217;t good that he can&#8217;t take criticism well- of course no one likes to be criticized but it is important for people to be able to listen to the feedback that other people give them and it sounds like he just reacts defensively. It also isn&#8217;t a good sign that he is so evasive about his past and his personal life. He doesn&#8217;t need to tell you everything, but in my experience these are signs of people who have trust issues and who are hiding something. He sounds like he demands a lot from you, but isn&#8217;t giving you back a lot in terms of trust and honesty. He may spend money but that won&#8217;t make up for the emotional toll he could take.<br />
Overall, it is easy to judge someone from outside the relationship but in my opinion this guy has way too many issues and you are going to end up hurt, and it seems like a part of you already knows that.</p>
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<p class="name">Betty asks…</p>
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<h2>I think I talked to two time travelers/ghosts in town today. What do you think?</h2>
<p>This afternoon before I caught my train home I was sitting on the side of a fountain outside of my train station, just smoking a <strong>cigarette</strong>. I saw an oddly paired couple walking down the street, not like a gf/bf couple, but just friends. The man was African American and looked about 70. He was wearing a brown tweed coat, brown <strong>trousers</strong>, a cheese cutter hat, and wayfarer reading glasses. The interesting thing was, all of the clothes definitely looked like they had come from the era of the first time they were fashionable (not twenty eleven hipster). He seemed quite skeptical of the world around him. The <strong>women</strong> he was with looked 25-30 and was very tall. She was wearing a white jumpsuit (like an actual tight space one) and had very short (but not trendy) almost white blonde hair. She was very confident and there was something extremely ether about her. The whole time they were walking down the street she was looking directly at only me and maintaining eye contact and he was just looking around at everything. I was thinking wtf so kind of looked away and thought if I avoided her they wouldn&#8217;t come towards me. However she still did and asked me &#8220;Do you have any coins <strong>for</strong> me so that I can catch the bus&#8221;. She had a very knowing look on her face, and no distinguishable accent whatsoever. I was a bit taken aback and said &#8220;No sorry I forgot my eftpos card today&#8221; while nervously laughing. I then added &#8220;Oh and my coins&#8221; but she just chuckled as they walked straight off. Okay so your probably thinking&#8230; yeah and ??right now but the weird thing was: They only approached me. They only looked at me as if I was the only one they could see or the only one that could see them. And no one around payed them any attention as if they weren&#8217;t there or even looked at them at all considering how out there they were dressed. And it was almost as if she didn&#8217;t really need the money, they just approached me to see if I actually could see/hear her.<br />
Don&#8217;t call me crazy, and I am not on crack, but I am a piscess and very intuitive/ strong connections with  paranormal world. I almost feel as if these two people were time travelers or ghosts. What do you think.</p>
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<p class="headshot"><img src="http://richmamasecrets.com/wp-content/uploads/Woman-with-money-lg1-cropped.jpg" /></p>
<h3>richmama answers:</h3>
<p class="dtm-content">Did you get their numbers?</p>
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<p class="name">Robert asks…</p>
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<h2>Is breaking Islamic dress code laws more haram than smoking?</h2>
<p>Clearly smoking is bad <strong>for</strong> you (an intoxicant like alcohol) therefore haram (forbidden) by the Koran.</p>
<p>Fact: cigarettes are freely on sale in Saudi Arabia and men puff away happily wherever you go.</p>
<p>Is it something to do with the fact that mainly men smoke and any attempt to ban cigarettes would be met with fierce opposition.</p>
<p>Yet any attempt to relax the laws on <strong>women</strong>&#8216;s clothing is also met with fierce opposition and often offending <strong>women</strong> are severely punished (cf recent Sudan <strong>trousers</strong> arrests).</p>
<p>So which is more haram: smoking or the sight of hair?</p>
<p>Now Muslims: tell us how you expect to be taken seriously when these kinds of inequalities are plain <strong>for</strong> everyone to see?</p>
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<p class="headshot"><img src="http://richmamasecrets.com/wp-content/uploads/Woman-with-money-lg1-cropped.jpg" /></p>
<h3>richmama answers:</h3>
<p class="dtm-content">I don&#8217;t think smoking *is* haram. It&#8217;s not mentioned in the Qur&#8217;an and as an intoxicant it&#8217;s on a par with caffeine, which is widely used in many Muslim cultures.</p>
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		<title>Your Questions About Pay Off Credit Card Debt Fast</title>
		<link>http://richmamasecrets.com/2291/your-questions-about-pay-off-credit-card-debt-fast-2/</link>
		<comments>http://richmamasecrets.com/2291/your-questions-about-pay-off-credit-card-debt-fast-2/#comments</comments>
		<pubDate>Mon, 21 Nov 2011 06:00:25 +0000</pubDate>
		<dc:creator>richmama</dc:creator>
				<category><![CDATA[Family Budgeting]]></category>
		<category><![CDATA[7 Months]]></category>
		<category><![CDATA[America 1800]]></category>
		<category><![CDATA[Bank Of America]]></category>
		<category><![CDATA[Cable Channels]]></category>
		<category><![CDATA[Cable Lineup]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Credit Debt]]></category>
		<category><![CDATA[Debt Cards]]></category>
		<category><![CDATA[Ebay]]></category>
		<category><![CDATA[fixed rate]]></category>
		<category><![CDATA[Garage Sale]]></category>
		<category><![CDATA[Good Luck]]></category>
		<category><![CDATA[High Interest]]></category>
		<category><![CDATA[Hubby]]></category>
		<category><![CDATA[Interest Cards]]></category>
		<category><![CDATA[Interest Credit Card]]></category>
		<category><![CDATA[Jenny]]></category>
		<category><![CDATA[Lunch]]></category>
		<category><![CDATA[Yay]]></category>

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		<description><![CDATA[Ruth asks… What is the fastest way to pay off credit card debt? richmama answers: Try cutting expenses. This is easier than you might think. If you eat out everyday, try eating out 2 a week and taking your lunch on the other days. Do you really need 300 cable channels? If not cut your [...]]]></description>
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<p class="name">Ruth asks…</p>
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<h2>What is the fastest way to pay off credit card debt?</h2>
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<p class="headshot"><img src="http://richmamasecrets.com/wp-content/uploads/Woman-with-money-lg1-cropped.jpg" /></p>
<h3>richmama answers:</h3>
<p class="dtm-content">Try cutting expenses.<br />
This is easier than you might think.<br />
If you eat out everyday, try eating out 2 a week and taking your lunch on the other days.<br />
Do you really need 300 cable channels?<br />
If not cut your cable lineup alittle<br />
Can you switch to a NO interest credit card (I just got one from bank of america 1800 732 9194 and they gave me a no interest free transfer)<br />
Can you have a garage sale or sell a few things that you dont use anymore on ebay.<br />
$100 a month (which is not unrealistic) would put a HUGE dent in your credit cards if you were able to apply that on top of what you are already paying.</p>
<p>The most important thing is YOUR DESIRE!<br />
Since you have that, the rest is EASY and you can do it~<br />
GOOD LUCK~</p>
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<p class="name">Jenny asks…</p>
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<div class="dtm-content">
<h2>what will pay off a credit card faster? $50 a month on 9% or $100 a month on 23%?</h2>
<p>i have just successfully paid <strong>off</strong> a <strong>credit</strong> <strong>card</strong>! (yay for me!) but i have more to go all ranging in interest from 1.9% to 24% the one i just paid <strong>off</strong> was 24% with a small balance. now here&#8217;s my question. i paid $50 a month on that <strong>card</strong> like clockwork every month even though my payment was only supposed to be $15. i&#8217;m now used to spening $50 a month on this bill. i have another <strong>card</strong> offer for a fixed rate of 8.99 %. should i get this <strong>card</strong> and transfer a small amount from one of my high interest cards (like $300 at a time) and <strong>pay</strong> $50 a month on that to <strong>pay</strong> <strong>off</strong> each transfer in about 6-7 months and keep repeating it till done with my goal(i won&#8217;t use this <strong>card</strong> for anything else). or should i just take that $50 and add it to another existing <strong>card</strong> to make that payment $50 higher?  i would still continue to <strong>pay</strong> all my other cards on schedule (and i always <strong>pay</strong> a little extra on each one as best as i can) i have approx $22K in <strong>credit</strong> <strong>debt</strong> on various cards thanks to my ex-hubby. i make 30K/yr!</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">Myself, I like to get rid of the smaller-debt cards first, because it makes me feel like I am getting somewhere with my debt. It also allows me to snowball the payments to the next card. So if I had three cards at $300, $600 and $900, I would go in that order for paying them off, regardless of the interest rate. I would continue making payments to the larger balances (minimum payment), then I would take the extra payment from the card before and apply it to the payment going to the larger one. This is what works for me. Because if I were to try and tackle the $900 one first I may fall off track. So getting some &#8220;quick wins&#8221; works for me.</p>
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<p class="name">Donna asks…</p>
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<div class="dtm-content">
<h2>What is the fastest way to pay off credit card debts other than consolidating them?</h2>
<p>I have heard that paying the highest interest rate <strong>card</strong> <strong>off</strong> first is the best way, but I have also heard that paying the lowest amount <strong>off</strong> first is the best way. I&#8217;m open for suggestions , thanks.</p>
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<p class="headshot"><img src="http://richmamasecrets.com/wp-content/uploads/Woman-with-money-lg1-cropped.jpg" /></p>
<h3>richmama answers:</h3>
<p class="dtm-content">Start with the highest interest rate card or the card with the lowest balance&#8211;whichever you prefer. Only pay the minimum on the rest of the cards. Any extra cashflow should go to paying off the chosen card. Once it&#8217;s paid-off, snowball the money that was going to that card to the next card you choose to pay off&#8230;and so on, and so on.  By choosing the highest interest rate card first, you obviously are eliminating the most wasted money being spent on interest; however, sometimes it&#8217;s a smarter move to start with the smallest balance so you feel as though you&#8217;re accomplishing something and don&#8217;t become discouraged.  On that same note, it is important not to put every extra penny onto paying off the cards. You MUST leave yourself a little &#8220;fun&#8221; money or you WILL become discouraged and throw in the towel.  Good luck! You can do it! It&#8217;s worth it!!!</p>
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<p class="name">Mandy asks…</p>
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<div class="dtm-content">
<h2>Is it better to pay off revolving debt at a low rate or installment debt at a higher rate?</h2>
<p>Let&#8217;s say you have a student loan at 8 percent and <strong>credit</strong> <strong>card</strong> <strong>debt</strong> at a fixed 3.99 percent.  Conventional Wisdom says <strong>pay</strong> <strong>off</strong> the higher rate <strong>debt</strong> first.  But, I have read that paying <strong>off</strong> <strong>credit</strong> <strong>card</strong> <strong>debt</strong> faster improves your <strong>credit</strong> score, which can save you thousands on a mortgage.  So is it better to <strong>pay</strong> <strong>off</strong> the lower rate <strong>credit</strong> <strong>card</strong> <strong>debt</strong> and improve the <strong>credit</strong> score, or the higher rate <strong>debt</strong> and save the immediate money on interest.</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">I&#8217;d say if you were buried, then ya, pay off a smaller one first just to get momentum going.  However, your openess to approaching this situation and manner about doing so indicates that you might not need that added &#8220;ego&#8221; boost.</p>
<p>That said, most people would say (and as you say, conventional wisdom too), pay off your highest rate debt first and work your way down.  At 3%, you could put that money in cds, etc, and earn 5%.  Keep the 3% debt unless you have excess cash.  Pay the 8% stuff off first.  Once complete, that&#8217;ll allow you to get more debt at favorable rates as well.</p>
<p>Check out Suze Orman&#8217;s site for a few tidbits,</p>
<p>http://www.suzeorman.com/igsbase/igstemplate.cfm?SRC=MD012&#038;SRCN=aoedetails&#038;GnavID=84&#038;SnavID=20&#038;TnavID=&#038;AreasofExpertiseID=5</p>
<p>But it really sounds like you&#8217;re ready for millionairemind! That will most likely change your life!  It&#8217;s a program by T. Harv Eker, author of  Secrets of the Millionaire Mind.</p>
<p>Go to millionairemind.com for more info.</p>
<p>It&#8217;s pretty amazing.</p>
<p>Hope that helps!</p>
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		<title>Your Questions About How To Pay Off Credit Card Online</title>
		<link>http://richmamasecrets.com/2290/your-questions-about-how-to-pay-off-credit-card-online-2/</link>
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		<pubDate>Sun, 20 Nov 2011 18:01:01 +0000</pubDate>
		<dc:creator>richmama</dc:creator>
				<category><![CDATA[Family Budgeting]]></category>
		<category><![CDATA[Amex]]></category>
		<category><![CDATA[Bad Idea]]></category>
		<category><![CDATA[Balance Transfer]]></category>
		<category><![CDATA[Card Purchases]]></category>
		<category><![CDATA[Checking Account]]></category>
		<category><![CDATA[credit card company]]></category>
		<category><![CDATA[Credit Card Fee]]></category>
		<category><![CDATA[Credit Card Info]]></category>
		<category><![CDATA[Debt Collector]]></category>
		<category><![CDATA[Extra Fee]]></category>
		<category><![CDATA[Ftc]]></category>
		<category><![CDATA[Info Sheets]]></category>
		<category><![CDATA[Jcpenney]]></category>
		<category><![CDATA[money order]]></category>
		<category><![CDATA[Pay Taxes]]></category>
		<category><![CDATA[Peeved]]></category>
		<category><![CDATA[Taxes Online]]></category>
		<category><![CDATA[Uncle Sam]]></category>
		<category><![CDATA[Visa Card]]></category>
		<category><![CDATA[Visa Credit Card]]></category>

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		<description><![CDATA[Mandy asks… How can I pay off my Jcpenney credit card with my major Visa Credit card? When i go online to pay my Jcpenney card off&#8230;It will only let me use a checking account? Is there a way for me to use my major visa card? Can i actually go into the store and [...]]]></description>
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<p class="name">Mandy asks…</p>
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<h2>How can I pay off my Jcpenney credit card with my major Visa Credit card?</h2>
<p>When i go <strong>online</strong> <strong>to</strong> <strong>pay</strong> my Jcpenney <strong>card</strong> <strong>off</strong>&#8230;It will only let me use a checking account?  Is there a way for me <strong>to</strong> use my major visa <strong>card</strong>?  Can i actually go into the store and use my visa <strong>card</strong> <strong>to</strong> <strong>pay</strong> <strong>off</strong> my jcpenney <strong>card</strong>?  Also, same thing for my Maurices <strong>credit</strong> <strong>card</strong>?</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">No, you will need to call your Visa card and do a balance transfer..</p>
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<p class="name">Carol asks…</p>
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<h2>How much of an &#8220;additional fee&#8221; do I have to pay to use a credit card to pay my taxes online?</h2>
<p>First <strong>off</strong>, i&#8217;m a little peeved that i have <strong>to</strong> <strong>pay</strong> the government extra so they can get my money smoothly and instantly, but whatever. Does anyone know <strong>how</strong> much this extra fee actually is? I&#8217;m at the point where i&#8217;ve gone through 5 pages of info sheets, and i&#8217;m about <strong>to</strong> give my <strong>credit</strong> <strong>card</strong> info, but they still haven&#8217;t actually told me <strong>how</strong> much this &#8220;fee&#8221; costs. </p>
<p>thanks</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">I can&#8217;t remember where, but I heard that is a bad idea. I have a feeling it could, not sure, but could be a scam site? The financial guys were talking about it and they were all negative about it. I work with the tube on so I wasn&#8217;t paying perfect attention, but I got the impression it&#8217;s not good or worth it or something like that. You know you will have to pay the credit card fee&#8217;s that are usually around 3% depending on the card, Amex being the most around 3, in any event on any card purchases, because Uncle Sam isn&#8217;t going to take it in the shorts, and that&#8217;s for sure.</p>
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<p class="name">Ruth asks…</p>
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<h2>should I send in a letter to pay off my credit card?</h2>
<p>After a settlement was made between the debt collector and the <strong>credit</strong> <strong>card</strong> company, the <strong>credit</strong> <strong>card</strong> company is asking for the rest of thier money. I contacted the FTC and they said I should write a letter saying the amount i&#8217;m paying and that is the final balance. </p>
<p>But <strong>how</strong> do I do it. Ask the <strong>credit</strong> <strong>card</strong> company <strong>to</strong> send a letter back&#8230;then I <strong>pay</strong> by money order? Send a money order with the letter? Send the letter, dont wait on a reply, then <strong>pay</strong> <strong>online</strong>? I&#8217;m confused on the process.</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">DO NOT PAY ONLINE. DO NOT ALLOW THEM ACCESS TO YOUR CHECKING ACCOUNT OR ANOTHER CREDIT CARD.</p>
<p>You need to write a letter documenting the debt as paid in full with this money order or cashiers check. Put any other related documents from the collector/card company with the letter (such as the card company or collector specificing that the payoff amount). </p>
<p>Send it certified, return reciept (green postcard attached to the back of envelop).  You will want to send a photo copy version (certified/return receipt also) to the credit card company also.</p>
<p>Make photocopies of everything- money order, letter, envelop, return receipt before it was sent), keep your money order receipt with it.</p>
<p>Keep the return receipt card stapled to your photocopies so if another collector calls someday you will have proof of payment.</p>
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<p class="name">James asks…</p>
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<h2>how do i pay my new military star credit card off?</h2>
<p>i went <strong>to</strong> a bx in little rock, ar and made a $195 purchase with the <strong>credit</strong> <strong>card</strong>. ive heard there is a way <strong>to</strong> <strong>pay</strong> it <strong>online</strong> but ive searched and searched with no luck. if there isn&#8217;t an <strong>online</strong> payment option can it be paid with a personal check? or does it have <strong>to</strong> be cash or money order?</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">When you get the statement it will give you the address and probably the website as well.  You can pay the statement with a check or money order.</p>
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		<title>Your Questions About How To Pay Off Debt Fast</title>
		<link>http://richmamasecrets.com/2289/your-questions-about-how-to-pay-off-debt-fast-2/</link>
		<comments>http://richmamasecrets.com/2289/your-questions-about-how-to-pay-off-debt-fast-2/#comments</comments>
		<pubDate>Sun, 20 Nov 2011 06:00:22 +0000</pubDate>
		<dc:creator>richmama</dc:creator>
				<category><![CDATA[Family Budgeting]]></category>
		<category><![CDATA[Car Repairs]]></category>
		<category><![CDATA[Collection Agencies]]></category>
		<category><![CDATA[credit card debt]]></category>
		<category><![CDATA[Credit Debt]]></category>
		<category><![CDATA[Debts]]></category>
		<category><![CDATA[getting out of debt]]></category>
		<category><![CDATA[high-interest credit cards]]></category>
		<category><![CDATA[Interest Credit Cards]]></category>
		<category><![CDATA[Math]]></category>
		<category><![CDATA[Medical Bills]]></category>
		<category><![CDATA[Momentum]]></category>
		<category><![CDATA[Money Pay]]></category>
		<category><![CDATA[pay off debt]]></category>
		<category><![CDATA[paying off credit card debt]]></category>
		<category><![CDATA[Priority]]></category>
		<category><![CDATA[Psychology]]></category>
		<category><![CDATA[rent]]></category>

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		<description><![CDATA[Betty asks… Pay off high interest or lowest balance first? I&#8217;ve heard a lot of conflicting information regarding paying off credit card debt. Is is easiest to get credit card debt paid off faster by paying off your highest interest credit cards first, or your lowest balances first? Curious to know if anyone has tried [...]]]></description>
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<h2>Pay off high interest or lowest balance first?</h2>
<p>I&#8217;ve heard a lot of conflicting information regarding paying <strong>off</strong> credit card <strong>debt</strong>. Is is easiest <strong>to</strong> get credit card <strong>debt</strong> paid <strong>off</strong> faster by paying <strong>off</strong> your highest interest credit cards first, or your lowest balances first?</p>
<p>Curious <strong>to</strong> know if anyone has tried either of these methods and <strong>how</strong> it worked for you?</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">I would agree with the first answerer when he says that mathematically, it makes sense to pay of the highest interest first.  However, math doesn&#8217;t always work.  Getting out of debt is more about psychology and behavior rather than math.  Paying off smaller accounts first creates mental momentum.  Getting a quick success makes you hungry for more.  Plus it frees up monthly money which you can roll over onto bigger accounts.</p>
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<p class="name">Mark asks…</p>
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<h2>What is the best way to pay off our debt?</h2>
<p>My husband and I just filed our taxes. We are going use part of the refund <strong>to</strong> <strong>pay</strong> for car repairs and catch up on rent.</p>
<p>We haven&#8217;t decided <strong>how</strong> <strong>to</strong> spend the rest. We don&#8217;t know if we should&#8230;<br />
a) catch up on all of our monthly bills<br />
b) <strong>pay</strong> <strong>off</strong> all three high interest credit cards<br />
or c) <strong>pay</strong> <strong>off</strong> half of our medical bills that are in collection agencies (We will only get enough <strong>to</strong> cover half)</p>
<p>Which option is the best? We want <strong>to</strong> <strong>pay</strong> <strong>off</strong> our <strong>debt</strong> in the fastest, most efficient way.</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">Catch up on your rent first. It wouldn&#8217;t matter much about the other debts if you are homeless.If there is a chance your car will be undriveable pay to have it repaired or buy a used car. If you mean utilities etc. By catching up on monthly bills that should be your second priority. Again you need lights and water right now. If you still have the money pay off all your credit cards or at least down to 35% of the credit limit..that looks best on your credit card. Do not to continue to use them or you&#8217;ll be right back where you started. Having credit cards maxed out, the bill is up to the credit limit,   will go against your credit.</p>
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<p class="name">Mandy asks…</p>
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<h2>How do you pay off an old debt once they have done bankrupt?</h2>
<p>I am needing <strong>to</strong> <strong>pay</strong> <strong>off</strong> an old ambulance bill for like a 100 dollars, but they went bankrupt two years ago and no longer exists. I can not find any information about their <strong>debt</strong> collecting agency from the hospital I was brought <strong>to</strong> or anything. <strong>How</strong> can I get this <strong>off</strong> my credit <strong>fast</strong>? </p>
<p>I am trying <strong>to</strong> get into the airforce, thats why I need it <strong>off</strong> <strong>fast</strong>, by the way.<br />
I ment <strong>to</strong> type gone bankrupt, not done.</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">You need to dispute the debt with all 3 credit bureaus.  You can go online to equifax, transunion &amp; experian to do this.  It does take awhile though 30-45 days.  The credit bureau will try to contact the creditor to verify debt owed.  If they can&#8217;t they are required by law to delete the account from your credit.  Good luck!</p>
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<p class="name">Chris asks…</p>
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<h2>How to pay off credit cards enrolled in a debt management program?</h2>
<p>I have been in a <strong>debt</strong> management program with a local credit counseling service for about 8 months. My parents have offered <strong>to</strong> co-sign a loan so I can <strong>pay</strong> <strong>off</strong> the cards. The loan with the bank is a lower interest rate than the cards and will <strong>pay</strong> them <strong>off</strong> faster with a lower payment each month. Should I <strong>pay</strong> the cards directly or go through the credit counseling service? Which is better for my credit score?</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">The Credit Counseling company will probably get you a better price in the long run because they will negotiate a lower rate than you can. But, you are being charged a very large amount of compounded interest on every dollar that you owe them for every Month that the amount is owed. Let Mom and Dad help IF the interest rate and terms are better than you are currently paying the credit card companies. And, if you can afford to pay all of your bills iccluding that payment. Remember that the credit counselor is making money on you, they will not always counsel you to your advantage.</p>
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		<title>Your Questions About Tacky Christmas Sweater</title>
		<link>http://richmamasecrets.com/2288/your-questions-about-tacky-christmas-sweater/</link>
		<comments>http://richmamasecrets.com/2288/your-questions-about-tacky-christmas-sweater/#comments</comments>
		<pubDate>Sat, 19 Nov 2011 18:00:28 +0000</pubDate>
		<dc:creator>richmama</dc:creator>
				<category><![CDATA[Family Budgeting]]></category>
		<category><![CDATA[christmas party]]></category>
		<category><![CDATA[Christmas Sweater Party]]></category>
		<category><![CDATA[College Football Party]]></category>
		<category><![CDATA[Ebay]]></category>
		<category><![CDATA[Holiday Sweaters]]></category>
		<category><![CDATA[Joann]]></category>
		<category><![CDATA[Kohls]]></category>
		<category><![CDATA[Old Girl]]></category>
		<category><![CDATA[Sears]]></category>
		<category><![CDATA[Sexy Christmas]]></category>
		<category><![CDATA[Shop Ebay]]></category>
		<category><![CDATA[Skinny Jeans]]></category>
		<category><![CDATA[Sweater Vest]]></category>
		<category><![CDATA[Tacky Christmas Sweater]]></category>
		<category><![CDATA[Tacky Christmas Sweater Party]]></category>
		<category><![CDATA[ugly christmas sweater]]></category>
		<category><![CDATA[ugly christmas sweaters]]></category>
		<category><![CDATA[Walmart]]></category>
		<category><![CDATA[Wella]]></category>
		<category><![CDATA[White Sweater]]></category>

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		<description><![CDATA[Thomas asks… Where can I buy a tacky Christmas sweater? I have a tacky sweater Christmas party this Saturday.. and does anyone know where I can buy one? richmama answers: Second hand store? You might find a terrible 80s one Betty asks… How to look sexy at a tacky christmas sweater party? I&#8217;m going to [...]]]></description>
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<h2>Where can I buy a tacky Christmas sweater?</h2>
<p>I have a <strong>tacky</strong> <strong>sweater</strong> <strong>Christmas</strong> party this Saturday.. and does anyone know where I can buy one?</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">Second hand store? You might find a terrible 80s one <img src='http://richmamasecrets.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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<p class="name">Betty asks…</p>
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<h2>How to look sexy at a tacky christmas sweater party?</h2>
<p>I&#8217;m going to a <strong>tacky</strong> <strong>christmas</strong> <strong>sweater</strong> party tonight&#8230;.and I want to follow the theme. However, I also want to look sexy because its a college football party. I&#8217;m a 21yr old girl by the way.</p>
<p>Any suggestions?</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">I like the white sweater, skinny jeans, and boots look my self.  Maybe curl your hair, and play up the make up.</p>
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<p class="name">Sharon asks…</p>
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<h2>What&#8217;s the best way to make a super tacky Christmas sweater?</h2>
<p>We are somewhat snowed in&#8230;my job is closed today&#8230;so I&#8217;m at home bored to tears. My husband wants me to make him a super <strong>tacky</strong> <strong>sweater</strong> to wear to work tomorrow for a contest. </p>
<p>What should I get at Joann&#8217;s fabrics?<br />
Laurie&#8230;those ones on ebay are perfectly <strong>tacky</strong>! <img src='http://richmamasecrets.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' />  I wish I had time to just order one!</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">If only he gave you some more notice&#8230;Ebay has super ugly Christmas sweaters&#8230;they are actually called &#8220;ugly Christmas sweaters&#8221;. I would say take a look at some of them and see if you can copy one of them. Take a look at these:</p>
<p>http://shop.ebay.com/?_from=R40&#038;_trksid=m38.l1311&#038;_nkw=mens+ugly+christmas+sweater&#038;_sacat=See-All-Categories</p>
<p>~  See Jen, the TD fairy doesn&#8217;t just follow you around&#8230;it doesn&#8217;t like me either  <img src='http://richmamasecrets.com/wp-includes/images/smilies/icon_sad.gif' alt=':(' class='wp-smiley' /> </p>
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<p class="name">Mary asks…</p>
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<h2>Do you think Marshall&#8217;s would have a tacky christmas sweater?</h2>
<p>I need a <strong>tacky</strong> <strong>christmas</strong> <strong>sweater</strong> or vest, very last minute, so I can&#8217;t order one off line. Do you think Marshalls would have them? what other stores might carry them? please help.<br />
I already checked walmart and sears. thanks for those suggestions tho.<br />
I went to all the stores mentioned so far as wella s several others and no one has them this year. Kohls had some holiday sweaters but no crazy <strong>tacky</strong> ones. Thanks for the help anyway!</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">Tacky Christmas Sweater abound EVERYWHERE&#8230; Try Marshalls, TJ Maxx, Walmart, Kmart and on and on.  Or break out your bedazzler and make your own! <img src='http://richmamasecrets.com/wp-includes/images/smilies/icon_wink.gif' alt=';)' class='wp-smiley' /> </p>
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		<title>Your Questions About How To Live On A Budget And Save Money</title>
		<link>http://richmamasecrets.com/2287/your-questions-about-how-to-live-on-a-budget-and-save-money/</link>
		<comments>http://richmamasecrets.com/2287/your-questions-about-how-to-live-on-a-budget-and-save-money/#comments</comments>
		<pubDate>Sat, 19 Nov 2011 06:00:18 +0000</pubDate>
		<dc:creator>richmama</dc:creator>
				<category><![CDATA[Family Budgeting]]></category>
		<category><![CDATA[Disposable Products]]></category>
		<category><![CDATA[Ethanol]]></category>
		<category><![CDATA[Firefighter]]></category>
		<category><![CDATA[Good Times]]></category>
		<category><![CDATA[Laundry Room]]></category>
		<category><![CDATA[Matter Of Fact]]></category>
		<category><![CDATA[Money Management]]></category>
		<category><![CDATA[Organic Food]]></category>
		<category><![CDATA[Organic Foods]]></category>
		<category><![CDATA[Rough Times]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Solar Power]]></category>
		<category><![CDATA[Sources Of Energy]]></category>
		<category><![CDATA[Sq Ft]]></category>
		<category><![CDATA[Thermostat]]></category>
		<category><![CDATA[Tight Budget]]></category>
		<category><![CDATA[Tight One]]></category>
		<category><![CDATA[Tough Times]]></category>
		<category><![CDATA[Traditional Sources]]></category>
		<category><![CDATA[Wind Power]]></category>

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		<description><![CDATA[Charles asks… how did you save your budget during college or rough times? I am planning on going to a school in Oregon. If I am able to get the resident&#8217;s tuition, I already have enough saved to pay for that. My boyfriend is a firefighter so he will help, too. I have always been [...]]]></description>
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<h2>how did you save your budget during college or rough times?</h2>
<p>I am planning <strong>on</strong> going <strong>to</strong> <strong>a</strong> school in Oregon. If I am able <strong>to</strong> get the resident&#8217;s tuition, I already have enough saved <strong>to</strong> pay for that. My boyfriend is <strong>a</strong> firefighter so he will help, too.</p>
<p>I have always been excellent with <strong>money</strong> management <strong>and</strong> I am doing <strong>a</strong> lot <strong>to</strong> <strong>live</strong> as green as I can <strong>and</strong> don&#8217;t buy disposable products so that helps. However, I do eat organic which can be pricey but I&#8217;m not willing <strong>to</strong> give that up.</p>
<p>What are little things you can do <strong>to</strong> <strong>save</strong> <strong>money</strong>?</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">I don&#8217;t understand what living &#8220;green&#8221; has to do with saving money or being on a tight budget. As a matter of fact, in many ways living &#8220;green&#8221; is more expensive than living otherwise as you point out when buying organic food. Alternative &#8220;green&#8221; sources of energy are typically twice as expensive as traditional sources. </p>
<p>As far as having a tight budget, I have always lived under a tight one whether I needed to or not. During &#8220;good&#8221; times I would save more and during tough times save less. But I always tried to save. The key is not to buy things you really don&#8217;t need and not to live extravagantly unless you deserve it and can afford it. Buy things you only truly need and buy them on sale. </p>
<p>As far as living &#8220;green&#8221; it&#8217;s OK to conserve and use less energy. Turn the thermostat back, drive less and more efficiently carefully planning your trips, use only fuel efficient cars. But solar power, wind power, ethanol, organic foods, etc. Will all cost you more than traditional products.</p>
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<h2>Will I save money doing the prep work for new tile and carpet?</h2>
<p>Hi all. My husband <strong>and</strong> I <strong>live</strong> in an 1100 sq/ft house with two bedrooms, 1 bathroom, 1 hallway, <strong>a</strong> laundry room, small kitchen <strong>and</strong> big living room. We want <strong>to</strong> have the whole house tiled with carpet in the two bedrooms. When our puppies were growing up they discovered the worn holes in the old carpet <strong>and</strong> decided <strong>to</strong> make them bigger, tearing into them like an Easter Ham. (The house is about 26 yrs old <strong>and</strong> the carpet is at least 10 yrs old)</p>
<p>We are <strong>on</strong> <strong>a</strong> <strong>budget</strong> <strong>and</strong> are looking for options <strong>to</strong> <strong>save</strong> <strong>money</strong> <strong>on</strong> installation <strong>and</strong> materials. We are looking at tile <strong>and</strong> carpet that costs about $1 per sq/ft <strong>and</strong> would like <strong>to</strong> get it installed by someone. </p>
<p>1) Would we really <strong>save</strong> <strong>money</strong> doing prep work ourselves? <strong>How</strong> much would this entail?: Im imagining pulling up the old carpet, pulling out the wood bits <strong>and</strong> nails, clearing out all the furniture, sweeping&#8230; cant think of what else. Is it worth the savings?</p>
<p>2) <strong>How</strong> much would it be <strong>to</strong> get it installed? We <strong>live</strong> in Bakersfield, CA.<br />
BTW thats tile throughout the house <strong>and</strong> carpet in the two bedrooms (not carpet tiles)<br />
We have thought about doing it ourselves. Maybe we need <strong>to</strong> revisit that. We have both laid tile before but not carpet. Id rather leave that <strong>to</strong> professionals cos I dont know it. The main reason why we wanted <strong>to</strong> get it installed is because it is the whole house not just one room <strong>and</strong> 5 professionals can come in <strong>and</strong> do it <strong>a</strong> lot faster <strong>and</strong> easier than my husband <strong>and</strong> I ever could. It would take us weeks <strong>and</strong> weeks. But maybe we can get relatives <strong>to</strong> help.</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">Unfortunately there isn&#8217;t a whole lot of labor involved in pulling up carpet, so you really won&#8217;t save much. If you do pull up the carpet  leave the tack strips in the bedroom where you are having carpet put down. Also wear a mask old carpet can be bad when pulling up. I did it  once in a rental house I was fixing up to sell, just to get rid of the smell. I saved a whole hundred bucks minus trip to dump.  Depending on the quality  you looking at 2-4 dollars a ft. For carpet and about the same for tile especially if you want a diamond or brick pattern laid down</p>
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<p class="name">Mary asks…</p>
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<h2>How can I save up to study overseas for a year?</h2>
<p>Any tips for saving <strong>money</strong> would be great. I study full-time, work casually as <strong>a</strong> waitress 2-3 shifts per week, more in the uni holidays, <strong>and</strong> teach piano as well. </p>
<p>I <strong>budget</strong> <strong>and</strong> try <strong>to</strong> <strong>save</strong> but have difficulty with unexpected expenses. </p>
<p>I want <strong>to</strong> study <strong>on</strong> exchange in Paris for <strong>a</strong> year in  2010, <strong>and</strong> will need <strong>to</strong> <strong>save</strong> quite <strong>a</strong> significant amount <strong>to</strong> <strong>live</strong> in central Paris <strong>and</strong> support myself for the year. </p>
<p>I cannot work <strong>on</strong> <strong>a</strong> study visa <strong>and</strong> would like <strong>to</strong> have <strong>money</strong> <strong>to</strong> travel in Europe as well.</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">If you enjoy teaching piano, could you increase the number of lessons you give?  The rate per hour is likely to be more than the waitressing.  I know one person who had part time work on Saturdays but gave it up because he was earning much more from a full Saturday teaching music.  And he did this right through uni.</p>
<p>If you can live on what you earn from waitressing, save every penny from the piano.  There are lots of ways of cutting down yhour expenses.  Google &#8216;Oprah Debt Diet&#8217; for examples.</p>
<p>Good luck!!</p>
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<p class="name">Carol asks…</p>
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<h2>How to save money in this economy?</h2>
<p>Unfortunately most of the people today worrying about the economy, sky rocketing gas prices <strong>and</strong> the cost of living, I think very simple things can have <strong>a</strong> big impact <strong>on</strong> our <strong>budget</strong> for instance using coupon each day you go for shopping. Anytime you can find <strong>a</strong> coupon for <strong>a</strong> product that you use, clip it <strong>and</strong> take it along <strong>on</strong> your next shopping trip. Some stores even offer double or triple coupon days once <strong>a</strong> month. Find out if your local store offers this service <strong>and</strong> check the newspapers you can <strong>save</strong> <strong>a</strong> lot in <strong>a</strong> month.</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">In addition to the above I would also recommend putting any long term savings in a physical asset that will retain its value like gold or silver or other commodities, things you could potentially use for trade. Inflation will render cash or bank savings worthless.</p>
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		<title>Your Questions About Muffin Top Jeans</title>
		<link>http://richmamasecrets.com/2286/your-questions-about-muffin-top-jeans/</link>
		<comments>http://richmamasecrets.com/2286/your-questions-about-muffin-top-jeans/#comments</comments>
		<pubDate>Fri, 18 Nov 2011 18:00:46 +0000</pubDate>
		<dc:creator>richmama</dc:creator>
				<category><![CDATA[Family Budgeting]]></category>
		<category><![CDATA[American Eagle]]></category>
		<category><![CDATA[Brains]]></category>
		<category><![CDATA[Fitting Jeans]]></category>
		<category><![CDATA[Good Luck]]></category>
		<category><![CDATA[Hips]]></category>
		<category><![CDATA[Infomercial]]></category>
		<category><![CDATA[Jeans Tight]]></category>
		<category><![CDATA[Legs]]></category>
		<category><![CDATA[Little Bit]]></category>
		<category><![CDATA[Love Handles]]></category>
		<category><![CDATA[Low Rider Jeans]]></category>
		<category><![CDATA[Lowrider]]></category>
		<category><![CDATA[Muffin Top Jeans]]></category>
		<category><![CDATA[Muffin Tops]]></category>
		<category><![CDATA[Old Navy]]></category>
		<category><![CDATA[Overweight Women]]></category>
		<category><![CDATA[Skinny Girls]]></category>
		<category><![CDATA[Women Jeans]]></category>
		<category><![CDATA[Women S Jeans]]></category>

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		<description><![CDATA[Daniel asks… Avoiding the muffin top with lowrider jeans? Is there any way of avoiding getting a muffin top while wearing low rider jeans? Incase you don&#8217;t know, a muffin top is when your fat kinda hangs over the jeans. I&#8217;m fairly slim, but i&#8217;ve seen skinny girls with muffin tops aswell. richmama answers: Simply [...]]]></description>
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<p class="name">Daniel asks…</p>
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<h2>Avoiding the muffin top with lowrider jeans?</h2>
<p>Is there any way of avoiding getting a <strong>muffin</strong> <strong>top</strong> while wearing low rider <strong>jeans</strong>? Incase you don&#8217;t know, a <strong>muffin</strong> <strong>top</strong> is when your fat kinda hangs over the <strong>jeans</strong>.<br />
I&#8217;m fairly slim, but i&#8217;ve seen skinny girls with <strong>muffin</strong> tops aswell.</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">Simply dont wear yur jeans so tight in the waist. I personaly dont care for jeans that are so tight they look like someone painted them on your legs and every thing bulges anyway. No matter how skinny you are, it happens if you but them a little bit too small.</p>
<p>You can also tone up your love handles and that might help.</p>
<p>Here are some  links if your interested.</p>
<p>Http://www.nowloss.com/love-handle-exercise.htm</p>
<p>http://www.howtobefit.com/love-handle.htm</p>
<p>good luck!</p>
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<p class="name">Ruth asks…</p>
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<h2>What should be done with muffin-top jeans?</h2>
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<h3>richmama answers:</h3>
<p class="dtm-content">I&#8217;m not so sure it&#8217;s the jeans that make them muffin top. But your right&#8230;.something needs to be done! I&#8217;ll let you know Monday when my brains back from the break! Oxo</p>
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<p class="name">Donald asks…</p>
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<h2>Good jeans that avoid muffin top but still slim in the leg?</h2>
<p>I&#8217;ve got a little extra around the middle but I still like slim fitting <strong>jeans</strong>. And usually if I try on <strong>jeans</strong> that fit my hips, they&#8217;re too loose on the leg. Any suggestions are greatly appreciated. Thank you!</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">Here are some store or brand and the ages that you should shop there:</p>
<p>American Eagle(12-22)<br />
Old Navy(12-35)<br />
Not Your Daughters Jeans(35-65)</p>
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<p class="name">Ken asks…</p>
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<h2>What is the infomercial for lady jeans that hide the &#8220;muffin top?&#8221;?</h2>
<p>I was watching an infomercial late at night a few weeks back &#8211; it was hilarious &#8211; it was for women&#8217;s <strong>jeans</strong> to make them look not so fat, the women were talking about their &#8220;<strong>muffin</strong> tops&#8221; It was really hilarious and i&#8217;ve searched all over the web and can&#8217;t find it. Does anyone know what i&#8217;m talking about?</p>
<p>BTW, i have nothing against overweight women, some are in my family &#8211; however the infomercial was too hilarious!</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">It must be the Kymaro Curve Control Jeans informercial which are supposed to flatten a muffintop and shape your bottom so that it&#8217;s curvaceous and not wide and/or flattened.</p>
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		<title>Your Questions About Best Tacky Christmas Gifts</title>
		<link>http://richmamasecrets.com/2285/your-questions-about-best-tacky-christmas-gifts/</link>
		<comments>http://richmamasecrets.com/2285/your-questions-about-best-tacky-christmas-gifts/#comments</comments>
		<pubDate>Fri, 18 Nov 2011 06:00:51 +0000</pubDate>
		<dc:creator>richmama</dc:creator>
				<category><![CDATA[Family Budgeting]]></category>
		<category><![CDATA[Blizzard]]></category>
		<category><![CDATA[Christmas Cards]]></category>
		<category><![CDATA[Dad]]></category>
		<category><![CDATA[Donkey Kong]]></category>
		<category><![CDATA[Donkey Kong Country]]></category>
		<category><![CDATA[Drift]]></category>
		<category><![CDATA[G I Joe]]></category>
		<category><![CDATA[Gift Christmas]]></category>
		<category><![CDATA[Glasses]]></category>
		<category><![CDATA[Hats]]></category>
		<category><![CDATA[New Memories]]></category>
		<category><![CDATA[Photo Album]]></category>
		<category><![CDATA[Ps2]]></category>
		<category><![CDATA[Recipe Books]]></category>
		<category><![CDATA[Sandra]]></category>
		<category><![CDATA[Sausage]]></category>
		<category><![CDATA[Tacky Christmas Gifts]]></category>
		<category><![CDATA[Transformers]]></category>
		<category><![CDATA[White Christmas]]></category>
		<category><![CDATA[Work Id]]></category>

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		<description><![CDATA[Michael asks… What&#8217;s the best gift you ever got for Christmas? I guess mine was a PS2 when those were big. Either that or just being with my family. Sorry if that sounds a little tacky. richmama answers: As a kid, some of the best were an NES, Donkey Kong Country for the SNES, various [...]]]></description>
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<h2>What&#8217;s the best gift you ever got for Christmas?</h2>
<p>I guess mine was a PS2 when those were big. Either that or just being with my family. Sorry if that sounds a little <strong>tacky</strong>.</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">As a kid, some of the best were an NES, Donkey Kong Country for the SNES, various toys like He-Man, G.I. Joe or Transformers.</p>
<p>As I get older though, the best gift is really just being able to celebrate with family while I still can before we all drift away.</p>
<p>Though having a great big blizzard on Christmas would also be a nice gift. I love having a White Christmas.</p>
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<h2>What is a really good gift for christmas to get for my parents?</h2>
<p>So i am really stumped. What do parents love? They don&#8217;t need any more glasses, costers&#8230;. recipe books&#8230; i want something unique and special that they could share or not. I just need some really good ideas? So thanks. My dad doesnt wear hats so that wont work. Id like to try and keep it under 45. Unless if theyre seperate <strong>gifts</strong>. Dont say anything <strong>tacky</strong> or lame. I need some of the <strong>best</strong> ideas. !!</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">I&#8217;m a parent and I love things my kids made themselves, no matter how &#8216;unprofessional&#8217; it turned out.  If you have the time and energy, get a personalized photo album and fill it with photos of them &#8211; that is my favorite idea of the moment..  Otherwise, surprise them..  Have some flowers or food (chocolates, sausage, etc..) delivered.  Take them out to somewhere they used to take you (restaurant, museum, etc..)  Things with memories are the best.  If you don&#8217;t want to take the time to relive and document the past though, just make some new memories!  I&#8217;ve put together a page on gift giving if you&#8217;d like a look at some other suggestions.  There are plenty of ideas for under $45.  I&#8217;ve put my site in the sources.</p>
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<p class="name">Sandra asks…</p>
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<h2>Is it tacky to send a picture of your boyfriend you and two children out in a few christmas cards?</h2>
<p>Since it is all of us in the picture this year.  The one that I ushally send it just the girls and frame and hand out as <strong>gifts</strong> but the youngest was having a tough time and the <strong>best</strong> picture we got was the family.</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">No it is not tacky, as long as your girls are okay with it and your boyfriend&#8230;&#8230;&#8230;&#8230;.</p>
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<p class="name">Mark asks…</p>
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<h2>Christmas gift idea using memories and photos?</h2>
<p>I want to make my <strong>best</strong> friend something I can put together with many of our inside jokes written on it, but I can&#8217;t really think of anything. First I though of making a scrapbook with pictures on some pages and memories and inside jokes written on a page of another, but I feel like this will look <strong>tacky</strong> or a little kiddish. Any ideas?</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">I think my all time favorite gift was a photo collage (poster size) made and framed by my daughter when she was about 16-17. She gathered photos from throughout my life then had each of her siblings and her Dad (my husband) write &#8220;something special from their heart&#8221; on a colored piece of paper. She incorporated the photos (probably near 100) and notes into the collage. I cried (happy tears) for a few hours that day. I have it proudly displayed in my home office where I still look at it often. I&#8217;m hoping she&#8217;ll make me another one someday updating my life in photos.</p>
<p>You could incorporate the same idea into photos of you and your friend (including other friends, trips, pets, etc.) and then write little notes with &#8220;memories&#8221;, &#8220;inside jokes&#8221;, etc. And scatter them throughout the collage.</p>
<p>Good Luck!</p>
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		<title>Your Questions About Mommysavesbig</title>
		<link>http://richmamasecrets.com/2284/your-questions-about-mommysavesbig/</link>
		<comments>http://richmamasecrets.com/2284/your-questions-about-mommysavesbig/#comments</comments>
		<pubDate>Thu, 17 Nov 2011 18:00:36 +0000</pubDate>
		<dc:creator>richmama</dc:creator>
				<category><![CDATA[Family Budgeting]]></category>
		<category><![CDATA[American Eagle]]></category>
		<category><![CDATA[Clothing Coupons]]></category>
		<category><![CDATA[Coupons Grocery]]></category>
		<category><![CDATA[Eagle Website]]></category>
		<category><![CDATA[Email]]></category>
		<category><![CDATA[Free Clothing]]></category>
		<category><![CDATA[Free Coupons]]></category>
		<category><![CDATA[Google]]></category>
		<category><![CDATA[Grocery Coupons]]></category>
		<category><![CDATA[Journeys]]></category>
		<category><![CDATA[Lizzie]]></category>
		<category><![CDATA[Mommysavesbig]]></category>
		<category><![CDATA[Printable Coupons]]></category>
		<category><![CDATA[Shopping Coupons]]></category>
		<category><![CDATA[Store Coupons]]></category>
		<category><![CDATA[Yahoo]]></category>
		<category><![CDATA[Yahoo Answers]]></category>

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		<description><![CDATA[Donna asks… This is too good to be true! Is this coupon to american eagle real or fake? http://www.mommysavesbig.com/printable-coupons/american-eagle.pdf Tell me what you think richmama answers: I&#8217;m not sure but go ahead and take it with you, you don&#8217;t have anything to lose but maybe you will be able to save $15. Give it a [...]]]></description>
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<p class="name">Donna asks…</p>
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<h2>This is too good to be true! Is this coupon to american eagle real or fake?</h2>
<p>http://www.<strong>mommysavesbig</strong>.com/printable-coupons/american-eagle.pdf</p>
<p>Tell me what you think</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">I&#8217;m not sure but go ahead and take it with you, you don&#8217;t have anything to lose but maybe you will be able to save $15.  Give it a try and let me know if it works, I could use it <img src='http://richmamasecrets.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /><br />
~~~~~~~~~</p>
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<p class="name">Chris asks…</p>
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<h2>how can i get free clothing coupons?</h2>
<p>okay so can anyone tell me how can i get free coupons? and what should i do? should just print them out?</p>
<p>is this a cupon? </p>
<p>http://www.<strong>mommysavesbig</strong>.com/printable-coupons/journeys.jpg?mid=cc-pcpo-0696-530025-00-00-0000-022411</p>
<p> can i go with this in store and got % off??</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">Get free coupons by typing in the store, and then just coupons on google!<br />
And yeah, that&#8217;s a coupon, but it&#8217;s  for online shopping though&#8230;&#8230;<br />
Hope I helped!</p>
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<p class="name">Lizzie asks…</p>
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<h2>$15 off american eagle with no minimum purchace! Real or fake?</h2>
<p>http://www.<strong>mommysavesbig</strong>.com/printable-coupons/american-eagle.pdf</p>
<p>I got an email (not from the official american eagle website) saying you could get $15 off with no minimum purchace. Has anyone used this? Do you think its real or fake? I am going to try it tomorrow.</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">Its a fake&#8230; I work at American Eagle and Corporate has sent out a message to all the stores not to accept this coupon.  It doesn&#8217;t even scan in when you try and it doesn&#8217;t have a number to manually type it in.</p>
<p>You can tell its a fake from a mile away</p>
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<p class="name">Charles asks…</p>
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<h2>Coupon websites?</h2>
<p>does anyone know any good websites for online AND in store coupons?? i alredy know about <strong>mommysavesbig</strong>.com which is great but i need a good variety</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">I like one stop shopping so i like the site below. They have instore printable coupons, grocery coupons, free things and tons of online shopping coupons and deals.  Happy Shopping!</p>
<p>Http://www.dealtaker.com/forums.html</p>
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		<title>Your Questions About Reading Books In Itunes</title>
		<link>http://richmamasecrets.com/2283/your-questions-about-reading-books-in-itunes/</link>
		<comments>http://richmamasecrets.com/2283/your-questions-about-reading-books-in-itunes/#comments</comments>
		<pubDate>Thu, 17 Nov 2011 06:00:38 +0000</pubDate>
		<dc:creator>richmama</dc:creator>
				<category><![CDATA[Family Budgeting]]></category>
		<category><![CDATA[Amp]]></category>
		<category><![CDATA[Apple]]></category>
		<category><![CDATA[Audiobook]]></category>
		<category><![CDATA[Beable]]></category>
		<category><![CDATA[Cheers]]></category>
		<category><![CDATA[Cmputer]]></category>
		<category><![CDATA[High Speed]]></category>
		<category><![CDATA[Ipod Nano]]></category>
		<category><![CDATA[Itunes Download]]></category>
		<category><![CDATA[Nanos]]></category>
		<category><![CDATA[Quick Time]]></category>
		<category><![CDATA[Read Books]]></category>
		<category><![CDATA[Reading Books]]></category>
		<category><![CDATA[Short Novel]]></category>
		<category><![CDATA[Sophie Kinsella]]></category>
		<category><![CDATA[Speed Download]]></category>
		<category><![CDATA[Unabridged Version]]></category>
		<category><![CDATA[Unabridged Versions]]></category>
		<category><![CDATA[Voices]]></category>
		<category><![CDATA[Word By Word]]></category>

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		<description><![CDATA[Donna asks… Can I read eBooks in my iPod Nano 5th Generation? Is it possible to read books in my iPod Nano? I downloaded a free book from iTunes and said the book is compatible with 5th gen nanos but my iPod doesn&#8217;t seem to be accepting it. Help please, thank you!! richmama answers: Nope [...]]]></description>
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<p class="name">Donna asks…</p>
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<h2>Can I read eBooks in my iPod Nano 5th Generation?</h2>
<p>Is it possible to read <strong>books</strong> <strong>in</strong> my iPod Nano? I downloaded a free book from <strong>iTunes</strong> and said the book is compatible with 5th gen nanos but my iPod doesn&#8217;t seem to be accepting it. Help please, thank you!! <img src='http://richmamasecrets.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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<h3>richmama answers:</h3>
<p class="dtm-content">Nope</p>
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<p class="name">Richard asks…</p>
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<h2>If you buy an audiobook on itunes, does it read the real book almost word by word or miss out loads?</h2>
<p>Does it miss out the little things <strong>in</strong> <strong>books</strong> that are enjoyable? Theres a book thats 3 hours and 15 mins long and I don&#8217;t think the actual book could be read that quickly.<br />
(Its Remember Me? by Sophie Kinsella)</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">Hi there,</p>
<p>Usually, it doesn&#8217;t. &#8220;Remember me&#8221; is a rather short novel, I finished it in a little under three hours, so it is perfectly possible that the audiobook is that short.</p>
<p>If it says &#8220;abridged&#8221;, it will be shorter than the original. &#8220;Unabridged&#8221; versions are not shorter than the novel.</p>
<p>Be sure to listen to the preview, though. Readers&#8217; voices are not all alike, and you have to like the voice. I bought an audiobook once without doing that, and I detested the voice of the reader.</p>
<p>Cheers<br />
S</p>
<p>Edit. Just looked into iTunes. The unabridged version is almost thirteen hours &#8211; either I am a very quick reader, or the text version I had was abridged&#8230; <img src='http://richmamasecrets.com/wp-includes/images/smilies/icon_biggrin.gif' alt=':D' class='wp-smiley' /> </p>
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<p class="name">Betty asks…</p>
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<h2>3 questions in one. Books, Hair &amp; Itunes.?</h2>
<p>Okay first question about <strong>Itunes</strong>.<br />
Yesterday, i had a friend over, and since she has dial up and no <strong>itunes</strong> on her cmputer, she asked me, with high speed and <strong>itunes</strong> to download my songs on her ipod. But when i plugged her ipod <strong>in</strong>, it said i needed to download <strong>Itunes</strong> 8.0 + to acutaly beable to put songs on her ipod .. so i deleted the <strong>itunes</strong> out of my system. No where was it found. I went on www.apple.ca and downloaded <strong>itunes</strong>, it popped up on my desktop but when i clicked on it it said:<br />
The <strong>Itunes</strong> application could not be opened. A required <strong>iTunes</strong> component is not installed. PLease repair or reinstall Quick Time (-42404) . So i did that, he popped up on my desktop, but when i clicked on <strong>itunes</strong> , it still said the same thing. So i redownloaded <strong>itunes</strong> and another time for quick play, but it still wouldnt work. I restarted my computer, thinking maybe that would help but it didnt. So i left it for a day, so today, i went on and clicked <strong>itunes</strong> it still said it wouldnt work. I also have my ipod plugged <strong>in</strong> but it still wont work.<br />
What should i do, because i really need to put some new songs on my ipod?!</p>
<p>Hair:<br />
My hair is naturally puffy and wavy. I wash my hair at night, and leave it for morrning, because it when i lay down on it, it flattens it some. When i straighten it, my left side of my head straigtens perfectly, but my right side has a piece THAT WILL NOT STRAIGTEN, no matter what i do, i&#8217;ve let my straigtner mingle on that bunch of hair, but yet it still flips out MAJOR. Can anyone help. And i have a conair infiniti straitning iron. Pleaaaaaaase help.</p>
<p><strong>Books</strong>;<br />
Have anyone of you guys read any Sarah Dessen <strong>books</strong>? Well i&#8217;ve read a couple and i just wanted to know if you guys like Sarah Dessen like the way i do. My favorite book was &#8216; The truth about forever &#8216;. It was an amazing book,. and it changed my life. I&#8217;ve also read, Just listen, and i&#8217;m currently <strong>reading</strong> &#8216; Dreamland.&#8217; .. Which is your favorite book of hers, and which have you read. And why is that favorite your favorite, what makes it so special?</p>
<p>Thanks for <strong>reading</strong> all this if you did, i know it&#8217;s pretty long , and lots of spelling mistakes but i&#8217;m <strong>in</strong> a hurry. Thanks once again ! (:</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">ITunes- I have no idea, sorry. Have you definitely uninstalled it and not just deleted it?</p>
<p>Hair &#8211; I had that problem! Then I realized my Straighteners weren&#8217;t on a high heat. So I turned the heat up on them then they straightened that stupid piece of hair at the back. Once you&#8217;ve washed it why don&#8217;t you dry it with a hairdryer, making sure you&#8217;re keeping it as straight as possible so it is easier to straighten? Then use a straightening serum and slowly straighten that strand of hair &#8211; slow and gentle &#8211; but then if that doesn&#8217;t work, why don&#8217;t you experiment with your hair?<br />
Change some of your hair around, like making it messy or curling it so you don&#8217;t notice the random sticky up bit.</p>
<p>Books- I haven&#8217;t actually read any of her books. I think I might look for &#8216;The truth about forever&#8217; though, if it seems to have changed your life! I like Jodi Piccoults books&#8230;</p>
<p>Sorry I had pants answers haha.</p>
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<p class="name">Steven asks…</p>
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<h2>I dont have the kindle, but can i buy the kindle version of books and read on my compuer?</h2>
<p>like i said <strong>in</strong> the question, i dont have the amazon kindle. however, i was thinking about ipods and how you can just listen music that you purchased through <strong>itunes</strong> on your computer. can i read the kindle versions of <strong>books</strong> on my computer?</p>
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<h3>richmama answers:</h3>
<p class="dtm-content">No, the Kindle foprmat is proprietary and only works on the device.</p>
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