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Further
Reading ...
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“Getting Back to Basics: A Customer Service Tale” - Joy Fisher Sykes
“Getting Back to Basics: A Customer Service Tale” By: Joy Fisher-Sykes One hot summer day my daughter and I ventured to our local craft store with one mission in mind – purchase velvet covered coloring panels called fuzzy boards. Little did we know...
The 5 Secrets You Must Uncover to Pay Off Your Mortgage in the Shortest Possible Time - Rob Sallay
You’ve been making monthly mortgage payments for so long that the checks almost write themselves. But have you become financially complacent, failing to consider ways to decrease your payments or overall debt? Here are 5 secrets to paying off...
What's Your Client's Style? - Susan Cullen
When it comes to effective selling, one simple fact never changes: Selling is a relationship business. You already know all about your company’s products and services – and you’ve learned the fundamental aspects of the sales cycle. But have you...
I Wasn't Paying Attention: Where Does My Money Go and How Can I Get Some Back? - Part 1 - Janet L Hall
I Wasn't Paying Attention: Where Does My Money Go and How Can I Get Some Back? - Part 1 by: Janet L. Hall Tracking, planning, and * overhalling * your hard earned money can help you reach any financial goals that you have, help you in getting...
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A PENNY SAVED IS A PENNY EARNED
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Written By:
Jack Lambert
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Benjamin Franklin as well as a whole lot of other people have said that. Everyone
wants to earn more money! So do I! However, we can also have a lot more
money to work with if you use our money wisely! Am I an expert on this? My
friends think so and have encouraged me to share some of my ideas. Below are a
couple of tips on two of the biggest invesments we make - a house and a car!
I never pay the sticker price on a car, whether it is new or used. ALWAYS offer
them less. Offer them less than you are willing to pay. They will 99% of the time
make you a counter offer! If they don't, you have to decide if you want the car
badly enough to pay their price. Even if you are willing to pay their price, you can
try this; put a serious look on your face, and think about it a while. Then get up
and head for the door. Chances are at that point, the salesman will make you a
counter offer! If not, you can leave him your telephone number and once again,
chances are, he will call you before the day is out. If it is afternoon, the possibility
of that particular car selling is not very high. If you still feel you can't live without
that car the next (REMEMBER THE NEXT DAY) go ahead and call him and pay
his price. Maybe it was a good deal and you both will be happy.
Here is - continued below ...
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continued ...
another tip: Never buy a house or a car (NEW OR USED) without a
clause that says PREPAYMENT WITHOUT PENALTY, OR the equivalent of
that phrase. WHY? You can save thousands of dollars by paying extra money on
the principal each month. If your contract has the clause I just mentioned, you can
do this. WHY DO YOU WANT TO DO THIS? To save yourself thousands of
dollars!! You pay interest on the unpaid balance of what you owe each month on
the car or house that you and the bank own and that you are making payments on.
For example, I paid off my new truck (did I mention it has 4 wheel drive and a
whole bunch of extras - a 3/4 ton etc. etc - for the camper) in a little over a year
by paying $1000 a month extra on the principal. That is pretty stiff but my wife
also teaches and we lived off of my salary. YES IT CAN BE DONE!
HOW DO I DO IT? I save on ALL the little things that do not matter - the
necessities of life, in order to buy the big things - like my truck!! I still have more
ideas for a later time. Remember, a lifetime of saving money as a philosophy!
About the Author
Jack Lambert
Why is everyone flocking to Startblaze? Go to
http://www.startblaze.com/cgibin/startcgi?917 and you will find the answer!!!
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| _Additional Resources ... |
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Features of a Printing Company - Maricon Almonte
There are times when moment is of the essence and you need to finish a bulk of ads and materials at a given time. There are also times when you do not know the right paper, the right color and the right presentation of your marketing materials. You...
3 Steps to Finding More Customers - Kara Kelso
Step one: Knowing your Customer To find your ideal customer, you first have to know them. Other than the fact your future customer wants your products, what else do you know about them? Ask yourself some of the following questions: 1. What...
Discover What to do When Your Credit Worth is Damaged Due to Circumstances out of Your Control - Cathy Taylor
First of all, let’s examine exactly what credit worth means and how it affects your financial life. Your credit worth, as defined by the financial industry, is the overall picture of your financial health that is used by lenders to determine your...
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