In This Issue


· Choose the Correct Products When Remodeling

· Places to Retire that Give You More Bang for Your Buck


· New Year's Resolution: Keep New Year's Resolutions!

· Fixing Bad Credit

· When to Do It Yourself and When to Hire It Done

· Seasonal Suggestion

·Past Issues: December, November, October, September,

Monthly Quote

“Ring out the old, ring in the new,
Ring, happy bells, across the snow:
The year is going, let him go;
Ring out the false, ring in the true.”

-Alfred, Lord Tennyson, “Ring Out, Wild Bells,” 1809-1892, English Poet

Tip Of The Month
We are now well into winter, and many people have begun to feel the agony of high heating bills. If you are looking for a way to save money without instituting a “sweater rule” in your house, think about installing a programmable thermostat. You can save up to 15% by programming the temperature to be lower at night or when no one is home. Although each degree you lower the heat saves more money, do not swing the temperature more than 6 to 8 degrees, or your furnace will have to work overtime to bring the temperature up again.


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SEASONAL SUGGESTION

Thinking of throwing a party to ring in 2005? Be creative, and make it a night to remember. First, invitations: take a photo of a clock with its hands at midnight and write your party details on the back; or, blow up latex balloons, write your details in permanent marker, deflate the balloons and send them to your guests. If you’re looking for a theme for your party, try hosting an old-fashioned pajama party or a futuristic party. To give your guests a souvenir, try giving personalized wine bottles as party favors, or plastic champagne flutes decorated with your guests’ names. Whatever you choose to do when throwing your New Year’s party, make sure to provide plenty of streamers and noisemakers for the strike of midnight!

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