How to Negotiate Like a Boss

If you have ever made a large purchase and not haggled over the price, chances are you left some money on the table.  Don’t beat yourself up.  Learning how to negotiate is an acquired skill, and something most people would rather avoid. I used to be the same way.  I found it awkward to ask people for a discount, and …

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The Ultimate Holiday Tipping Guide

With the holidays approaching and everyone scrambling to complete their Christmas lists, it’s also a good time to think about showing appreciation for those whose service you benefit from all year long.  Holiday tipping provides a way to show that appreciation, but if not done right, it can have the opposite effect. Our family likes to set aside a little …

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The Financial Equivalent of Treading Water

Several years ago I found myself in a rather sticky financial situation.  I had no savings, a small mountain of debt, and plenty of bad financial habits.  I buckled down for a couple years, paid off my consumer debt (except the mortgage), and thought things were looking up. Fast forward a few years.  Unfortunately, that gazelle intensity I had to …

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5 Critical Lessons for Surviving a Natural Disaster

Super typhoon Haiyan ravaged areas of the Philippines over the weekend, killing over 10,000 people and displacing another 600,000.  Looting and mass graves abound, with survivors said to be wandering around in a “zombie-like” state. In the days and weeks to come, many more of those initially surviving a natural disaster will ultimately succumb to starvation, dehydration, disease, infection, or …

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5 Crucial Reasons to Dump Debt Now

In times of plenty, the average amount of debt a person carries tends to increase as consumers use credit cards like cash and make big-ticket purchases on items like cars and expensive electronics. However, such behavior may lead to an impossible mountain of debt when the economy reverses course or stalls. Although the country has seen a few years of …

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