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	Money Saving Tip
	Replace your old thermostat with a programmable model. Low-cost models sell for around $25 and can easily pay back their cost within a couple of months. Better yet, they can save you more than $1,000 over the years.
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	Money Fun Fact
	Black Americans pay and average of $420 more for a new car than a white American for the same model. Source: Yale School of Management
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