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Cut Medical Costs with Doctors

If you think that medical charges cannot be negotiated, think again!  In fact, there are probably few areas where daring to ask can have as much impact on your financial health than negotiating doctor and hospital bills. Even good medical insurance increasingly covers less and entails more out-of-pocket and deductibles ($1000 for individuals, $2000 for [...]

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A Great Time to Bargain for Better Mortgage Rates

Turns out that even with mortgage rates at record lows, you can still negotiate to get a better deal. What’s going on right now is that lenders actually have considerable margin to work with in setting their rates.  The money they have to lend is costing them significantly less than the rates they are charging.  [...]