Borrow Sparingly

3. Borrow Sparingly – Used credit on things of lasting value, pay cash for everything else. Do you know anyone who got in big financial trouble because they didn’t borrow enough money? I don’t think so, says Kiplinger.

4. Pay Yourself First – Next time you sit down to write bills, reverse the process and write the first check to your investment account, continue writing your regular monthly bills, and finish up with the credit card bill. If you have trouble paying that last bill, start trimming your discretionary spending (movies, clubbing, restaurants, etc).

5. Don’t Swing For Home Runs – In investing, like in baseball, those who swing for the fence occasionally hit the home run. But they strike out a lot too. Be patient, and shy away from the risky stuff, and don’t try to time the market. Invest regularly in solid companies.

Careful Don't Stretch the Electric Cord

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According to Consumer Reports, H2O Mop Steam Cleaners, " Power cord can wear down and expose wiring, posing shock and burn hazards. The distributor, Thane, has had 10 reports involving shock injuries and eight reports involving burns."

580,000 steam cleaners sold through TV infomercials, QVC TV.

For a free repair kit, contact the distributor Thane.

My experience with electric cords and vacuum cleaners is that the user tends to over extend the cord too far and stress the connection at certain points in the housing of the unit. Chances are, so to do users of steam cleaners. Problem is you are commingling water and electric in one product. Always respect the conductive qualities of water, and operate your steam cleaner safely. Don't stretch the cord.