Is your wallet or key chain exploding with customer loyalty cards?  If yes, you are not alone. Today’s shopping experiences includes being asked with each purchase, “Do you have a store discount or reward card?” Many retailers today are offering Customer Loyalty Programs that claim to help the consumer save significant amounts of money. The…

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Our economy today simply doesn’t allow us to spend frivolously on expenses. So how do we negotiate a cable bill when we continue to experience its steady rise in cost? One remedy would be phone negotiations: Step 1 – be prepared to negotiated with you cable company. In most cases they will work with you.…

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Have we become a society of cheaters? Experts say cheating has become more common and more accepted in recent years. Cheating seems to be found in many different fields — education, sports and the workplace – not to mention personal relationships. With all the new technology available including real-time communication tools; we continually hear about…

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W is for What is Your Investment Risk Tolerance? When planning to invest, you must first understand your attitude to risk. You must ask yourself whether you are prepared to risk a large, medium or small proportion of your money. How much risk are you willing to take? Do you have a high tolerance for…

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