Fight For Your Money: How to Stop Getting Ripped Off and Save a Fortune
Format: PDF / Kindle (mobi) / ePub
A war for your money is raging and it is time to fight back!
In a book that will forever change how you spend your hard earned money, America's favorite financial coach, David Bach, shows you how to save thousands of dollars every year by taking on the "corporate machines." In these times when every dollar counts, big businesses are using dishonest tricks to rip you off, making themselves billions while they keep you living paycheck to paycheck. David Bach knows that until you learn to fight for your money, you will overpay for almost everything you buy. In Fight for Your Money, he gives you the tools to FIGHT BACK and WIN.
Bach shows you how every dollar you spend is really a battle between you and the businesses--and the government--who want to take it as profit. When you know how the system is rigged --the extra points, the hidden fees, the late charges, the unused tax breaks, the escalating rates--you can fight back against the pickpockets and save literally thousands every year--money in your pocket that can help you live your dreams.
Fight for Your Money shows how you are being taken on your cell phone contract, cable bill, car purchase, credit card, life insurance, healthcare, 401(k) plan, airfare, hotel bills, and much more. Bach gives you all the tools you need to fight back, with websites, phone numbers, sample letters and real-life stories of ordinary people who have fought for their money and won.
You'll learn how to:
Beat the credit card companies at the games they play that cost you thousands annually in interest and fees
Make your bank accounts work for you with higher yields and lower fees
Save thousands by pre-paying college tuition at TODAY's prices
Raise your credit score and pay thousands less in mortgage interest
Cut your life insurance premiums in half by making one call
Save hundreds on air travel, hotels, and car rentals--just by being an informed consumer
Avoid huge rip-offs like bank-issued gift cards, medical credit cards, 401(k) debit cards, and sneaky renewals of your cell-phone plan.
David Bach knows that when you are being taken financially, you work harder than you have to, for longer than you need to. This book helps you fight for your money, so you can live your life doing what you really want to do.
else you do, be sure to keep good records. The IRS requires a receipt or canceled check for any donation, no matter how small the amount. So when you're giving money, try to pay by check or with a credit card. Actual cash is not only hard to track, but it can too easily wind up in the wrong person's pocket. What to Do if Things Go Wrong When it comes to supporting charities, you can't afford to let your guard down. It's sad, but there are scammers out there eager to take advantage of those
http://www.fdic.gov/regulations/laws/rules/6500-1400.html. Electronic Funds Transfer Act (Regulation E): FDIC, http://www.fdic.gov/regulations/laws/rules/6500-3100.html. Last year, the Wall Street Journal ran an article on an increasingly common debit card scam: Joseph Pereira, “Thieves are using skimmers to target debit card readers,” Wall Street Journal, March 18, 2007, http://findarticles.com/p/articles/mi_ qn4188/is_/ai_n18741385. As one expert put it to Consumer Reports; “Debit cards may
don't need to worry about whether parts and labor might be cheaper somewhere else. The only thing that matters is the fact that dealers tend to have the most up-to-date equipment for your particular car and their mechanics are likely to have had the latest training in how to fix it. For most routine work, however—things like changing a muffler, replacing a battery, or flushing a cooling system—you don't necessarily need an ASE-certified master technician. Depending on the nature of the job, one
cash value of a Roth IRA is not counted among your assets in the financial aid formulas. Also, you can contribute as much to a Roth as your child earns, up to certain limits. In 2008, the maximum was $5,000; in 2009 and beyond, the ceiling will be indexed to inflation. And if you wind up saving more than you need for qualified expenses, your child can just leave the excess amount in the account to continue growing for his or her eventual retirement. The only real disadvantage is that when money
It's better if you can specify exactly which granite product, with the product number. To get a realistic idea of the prices and options available to you, you should comparison-shop online or in person at hardware and specialty stores. Typically, a remodeler or builder will suggest that you establish an “allowance” for specific items—appliances or bathroom fixtures or flooring, for example. The trouble with this approach is that all too often the allowance doesn't come close to covering the cost