To save money on heating but still stay warm, my coworker Anna has rediscovered hot water bottles. Sitting with one in her lap in the evenings at home keeps her nice and toasty and unbothered by the cooler temperatures that surround her. My youngest daughter loves sleeping with a hot water bottle.

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Marketing maven Joe Polish (www.joepolish.com/) is planning to test a new business model -- what he calls "pay me whatever you think it's worth" for on-line information. Hearing about this got me thinking... what if everything we purchased was priced on this same "pay what it's worth to me" basis

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Don't assume that Big Box stores have the best prices. The toner ran out on my friend's laser printer at home, so he went to his neighborhood big-box store (happened to be Micro Center; he lives in Minnesota) to get a new cartridge.

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