Who pays full price for a car? No one! Yet there are stories of people paying over list price for high demand vehicles such as Toyota Prius. Do you negotiate prices in every purchase? Of course not, that would be too much trouble. So when would it be worth it? There are two (2) categories of purchases that would be worth negotiating a better ...
Keep Reading
Are You Rich or Just acting Rich?
Are you rich or just acting rich? I know all your friends are spending the summer in the Hamptons and you just want to fit in or maybe you are trying to impress your girl. Whatever the reason, you do not have the break the bank to look wealthy and it is not what you think anyway. They tend to dress in classic clothes. They dress for comfort! ...
Keep Reading
Ten Thanksgiving Day Facts
Happy Thanksgiving to all of you. Do not eat too much, spend too much time with family or spend too much on Black Friday! I really hope you do not spend too much! We will spend Thanksgiving with family and friends. My house is filled with the East Coast relatives, our children and even a Guest dog. Our children came to visit and we all join ...
Keep Reading
Why I Do Not Carry Cash?
I stopped carrying cash! I stopped for one very simple reason, I would spend it. Nine (9) percent of people do not carry any cash at all! Have we finally become a cashless society? Most people prefer credit or debit cards to actually using cash. It may the reason Apple has developed their Apple Pay payment system. Although there are still cash only ...
Keep Reading
25 Money Savings Tips for Everyone
These are 25 money saving tips, I use daily/weekly/monthly and they work! I learned at a very early age that I needed to save my money to get the things I wanted. Notice, I said the things I wanted. My parents provided the things I needed! Previously, I wrote “10 Changes Can Make Millions” and I thought I would share some more. Start making ...
Keep Reading
How to Save Money – Everywhere
Saving money is my passion! I consider myself a value shopper although I do very little actual shopping. Do I do extreme couponing or camp out at sales? No, that would be a waste of time since I do very little shopping. My grade as a consumer is probably “F”. I am not a minimalist, but I try to maximize value from my purchases with very little ...
Keep Reading
Does a Spending Freeze Work?
A spending freeze is when you stop spending money for a period of time. You could lock up you credit cards and cash, avoid the mall and just stay home. How long could you go without spending money? When the federal government has a spending freeze, they just maintain a certain level of spending. They may tie spending to GDP growth or per capita ...
Keep Reading
Buy a New Car or Used Car?
Buy a new car or a used car? Is this a trick question? Many personal finance experts recommend buying a used car versus a new car because it has already depreciated some of its value and you get a better deal. Particularly if you find a used car off a lease and it was well maintained. Many car dealers offer certified used cars with warranties and ...
Keep Reading
Get Rich as an Employee!
Are CEO’s the only ones who get rich working for someone else? No, there are many millionaires who are lucky enough to work in the technology industry. Are they the only ones? There are many more who are part of the IPO (Initial public offering) when a company goes public. There are still more who go to work in certain industries that do very well ...
Keep Reading
How to Cope with Change
Change is inevitable! Recently, my wife and I went to New York for my sister in law's birthday party. Since we live in Los Angeles, we had to get airline tickets, make arrangements for the dog and find a way to the airport. No big deal, we cashed in miles, our children watched the dog and we drove to the airport. If it were only that easy! You have ...
Keep Reading