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Dear Isadora: I am a single guy trying to do the right thing in always using condoms. The last two girls I was with said they didn't want me to use them. What's up with that?

Cutting costs is not just about what you buy but also how you buy. Rewire your brain to stop loading up on stuff you don't need.

With foreclosures rising and mortgage companies flooded with borrowers in trouble, is it a good idea to just pay the thing off if you can afford to? The Answer Desk, by John W. Schoen.

Her advice: "You can't keep wishing negative events hadn't happened. When a client continuously relives the past, I say, 'Yes, this bad thing is true. But what needs to happen now?'"