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    We’re all guilty of hoarding unnecessary products, falling victim to yet another marketing ploy of the next best thing. However, many of these cupboard fillers you could actually live without because either you already own something that can achieve the same result, or they are just redundan…

      When buying a home today, you might have to solve a puzzle about the mortgage rate you'll pay. Which would you do?Get the lowest monthly payment now by paying discount points to reduce the interest rate.Make monthly payments at today's interest rate and wait an unknowable time for rates to fall so you can refinance,...

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