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David McMillin writes about credit cards, mortgages, banking, taxes and travel. Based in Chicago, he writes with one objective in mind: Help readers figure out how to save more and stress less.

Bake the apples on the bottom shelf of the oven for 20 minutes, or until the apples are soft. Serve the apples with generous spoonfuls of the roasting juices and a spoonful of crème fraîche.