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If you want to prosper, you have to work at it.I don’t want to be a dream-killer, but the odds are not in your favor of winning the lottery. And a relative isn’t likely to leave you an inheritance that will allow you to tell your boss to take this job and shove it.And yet, you still can be rich. How, you may ask?Change.If you want financial peace and freedom, you have to u…

The “24-hour” airfare hold policy can be confusing.On most airlines you pay for the fare and have 24 hours to change it or get a refund. In fact, if you are booking an airfare in the United States, U.S. Department of Transportation regulations require that, as long as you’ve booked a nonrefundable ticket seven days ahead of your flight, you’re entitled to hold your reserva…

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By Susan TomporDetroit Free PressKathy Adams, 52, has created her own consignment boutique of sorts out of her closet.That L.A.M.B. bag that always seemed too heavy and its matching brown-leather-with-suede-trim accessories? She sold it all for $675. Yes, she paid about $1,000 for those items at Nordstrom. But it’s gone, out of her life, and she’s freed up some cash to buy…

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It was enough to make Melissa Thom’s heart sink.She was driving to a Christmas Day family get-together that was about 200 miles away. Along the way, she noticed the “check engine” symbol was on the instrument panel.“Of all the days this could happen,” she said.Figuring there wasn’t much chance of having the car checked, she checked that the oil was full and kept going. The…

Social networks have found a promising new source of advertising revenue: targeting users with ads for products they browsed online.The latest form of advertising, called “retargeting,” is expected to not only get more pervasive but intensify worries over privacy.Tania Mulry, an entrepreneur from Santa Clarita, Calif., said she and other people are noticing and talking abo…

The home of the future – complete with helper bots and automated appliances – has long been the stuff of science fiction. The tech world is determined to make it a reality.Soon, the vision goes, everything from garden products to bathroom appliances will be controlled by the touch of a smartphone. Without setting foot in the door, a person headed home could turn off the se…

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A $5 million business plan competition in Buffalo?If that got your attention, that is precisely the competition’s intent. And Andrew J. Pulkrabek is working to make the big-money project a reality this year.Pulkrabek, 43, came here from Minnesota to serve as executive director of the yet-to-be-named competition, an initiative of Gov. Andrew Cuomo’s Buffalo Billion initiati…

CAMBRIA• Human Road, Norman L. Human to Guy R. Little, $167,000.HARTLAND• Ellicott Road, Alicia Luke; Jeffrey B. Luke to Brian J. Wagner; Amanda A. Wagner, $154,500.• Orangeport Road, Kelly L. Tryloff; Daniel L. Tryloff to Wilber C. Shafer; Carol U. Shafer, $124,037.LEWISTON• 4535-4555 & 4551-4565 Washington Drive, Niagara Villas Inc. to AMA Washington Square Inc., $782,00…

ALDEN• Vacant Land/Walden Ave., Joseph Pecoraro; Peter Pecoraro to Pasquale Pecoraro; Pat Pecoraro, $10,184.AMHERST Highest price: $510,000 Average price: $175,530 Median price: $158,325 Number of Sales: 53• 46 Golden Pheasant Drive, Kristin L. Peca; Michael A. Peca to Baljinder Singh; Amrita K. Singh, $510,000.• 43 Ambrose Court, Leigh A. Fox; Eric L. Fox to Jingyi Zhao;…

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CONWAY, Ark. – Kim Little had not thought much about the tiny white spot on the side of her cheek until a physician’s assistant at her dermatologist’s office warned that it might be cancerous. He took a biopsy, returning 15 minutes later to confirm the diagnosis and schedule her for an outpatient procedure at the Arkansas Skin Cancer Center in Little Rock, 30 miles away.Th…

WASHINGTON – The Obama administration is delaying enforcement of another provision of the new health care law, one that prohibits employers from providing better health benefits to top executives than to other employees.Tax officials said they would not enforce the provision this year because they had yet to issue regulations for employers to follow.The Affordable Care Act…

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Frank Silvestro admits he isn’t sure what went wrong with Ecology & Environment’s ill-fated push into China, but he’s vowing that the Lancaster environmental services firm won’t make the same mistake again.E&E last year wrote off nearly $7 million in investments it made in China – a big chunk of money for a company with $134 million annual in sales. It was a move that trig…

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You’ve heard of brew pubs and gastropubs – how about a reality pub?Fat Augie’s, a bar opening soon on Pearl Street near Chippewa Street, will be a working bar that doubles as the soundstage for a reality show.It’s being outfitted with 20 digital video cameras mounted to ceilings, standing on tripods and attached to employees. Cameras will capture every move made by each ba…

NIAGARA FALLS – Opponents of the Covanta Niagara plan to haul New York City garbage for burning in the company’s Niagara Falls incinerator will have another chance to speak out against it.Mark J. Gabriele, counsel to the Niagara County Industrial Development Agency, said that the IDA has agreed to set up a public hearing on $125 million worth of tax-exempt bonds that Covan…

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SKILLMAN, N.J. – The only hint that something is different inside millions of bottles of Johnson’s Baby Shampoo arriving on store shelves are two words: “Improved Formula.”The shampoo has the same amber hue, the same sudsy lather and – perhaps most important – the same familiar smell that, for generations of Americans, still conjures memories of childhood bath time.What’s …