How to Negotiate When You’re Buying a New Car

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When you’re out to buy a new car, everyone wants a good deal, but the process can seem intimidating. However, with a little homework up front, anyone can be a successful negotiator. Here are a few things you can do to make sure you pay the lowest amount possible.

Know what the Dealer Paid

To come up with the opening offer you need to know what the manufacturer’s suggested retail price (MSRP) and the actual cost that the dealership paid. A good place to find the dealer’s invoice price is to go Edmunds.com. You can select your model and all the optional packages and features that you want and find both the invoice price and the MSRP. If the dealer tells you your invoice price is wrong, quote the MSRP to let him or her know that your numbers come from a reliable source. Assure the salesman or woman that you intend to make sure they make a profit.

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Five Signs You Need Credit Repair

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Credit is the key that unlocks doors to educational funding, life’s milestones (i.e., buying a house) and even securing a good job. Put simply, you can’t afford to ignore it. If you are a credit newbie, you may be wondering if credit repair is the next step. While every person has a different path, there are a few telltale signs that your scores could use some work, including:

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Do’s and Don’ts of Paying Off Debt Early

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Debt is a negative word in many households, often depicting stress, credit damage and income loss. Many people are anxious to pay off all debts as soon as possible to rid themselves of the risks and emotional side effects. Although too much debt can definitely cause these outcomes, using it as a tool can lead to positive results.

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Securing Credit Is About To Get Easier

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Securing credit is about to get easier for millions of inexperienced Americans.

In an April 28 press release, FICO® announced their partnership with LexisNexis Risk Solutions and Equifax to provide FICO Score XD, the latest model aimed at helping previously unscorable consumers gain access to credit using alternative data.

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Parents, Is Unhappiness Hurting Your Credit?

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Unhappiness is a vicious circle, often spreading to many areas of life and recycling in new forms. If you’re a parent, you understand this cycle all too well. Despite the once-held notion that children were the cause of Mom and Dad’s woes, a new study suggests that the root of the problem has nothing to do with them. The research, slated for publication in the American Journal of Sociology, reveals that the United States had the largest gap among 22 countries when they compared the happiness quotients of parent vs. non parent citizens. While this seems to confirm previous studies, researchers found that it was the lack of social programs and support rather than offspring behavior. According to the survey:

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