Five money lies you can avoid

Five money lies you can avoid

Everyone wants it and a lot of people will do anything to get it. It’s no surprise that there are a lot of tricks out there that can cost you money, but with a closer look you can identify and avoid them. Here are five lies that won’t deceive you any more.

The Magic of Free

The word ‘free’ can cause even the most sensible people to lose their minds. There is a lot we are willing to do if something is free, like signing up for credit cards to get a free hat. Salesmen and vendors take that psychology even further when they lure you into making more expensive purchases with the promise of something that is free. However, pay attention to the overall value. If you’re car shopping and a more expensive car comes with free maintenance for 5 years and a cheaper one doesn’t, do the math. It’s very possible that the money you would save with the free service isn’t better than just buying a cheaper car. You may also be tempted to buy something you wouldn’t have if it is buy one, get one free. Remember, when you spend money nothing is free.

Minimum Monthly Payments

When you are paying for your credit card each month, it may be appealing to just pay the minimum monthly payment. However, that doesn’t do you a lot of good. If you just pay the minimum each month it can take a long time to pay off and may end up costing you a lot more money. That’s if you don’t continue to use your card. If you keep charging and only pay the minimum you can find yourself in some terrifying credit card debt. The best thing to do is to work towards paying off your balance each month. That way, it won’t snowball with interest.

On Sale for a Limited Time

We’ve all heard the department store commercials that say they’re having a sale and we’ve all heard them say, “Don’t wait until it’s over.” Merchants like to create two illusions. One is that their prices are so low you are a fool if you don’t buy. The other is that their stupidly low prices aren’t going to last long. This could be because in our minds are tantalized to think there is some exclusivity to a small window of opportunity and it doesn’t give us time to reconsider. However, I’m not a psychologist. All I know is that they’re making money and they (or some other merchant ) will probably have the same sale next weekend.

No Discounts

Some people think price tags are set in stone in most places, but did you know that you can get discounts just for asking? As long as the store clerk you’re asking has the authority to give you a discount, there is no harm in asking. There are also three situations that increase your chances of getting a discount.

  • Finding products with defects that aren’t extremely noticeable or that you can fix yourself and offering to buy them at a lower price.
  • Asking for a discount when you’ve bought a lot of things at once. If you are spending a lot of money at a store the vendor might be inclined to give you a discount.
  • Buy something that is on sale at a competing store or on the internet. The vendor may prefer to give you a discount than to see you walk out the door to buy from a competitor.

No Negotiation

In the same way we don’t expect to get discounts at stores, we also think everything a bank wants is non-negotiable. Actually if you stand your ground and you have a reasonable request you might be able to negotiate, even with a big bank.

With a little bit of healthy skepticism it is not hard to see through the deceptions that try to separate you from your dollars. Try taking just these five things into consideration and see how much you can save.

18 thoughts on “Five money lies you can avoid

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    http://alamwag.com/شركة-تنظيف-منازل-فلل-شقق-خزانات
    السجاد هي أساس
    المعيشة الخاصة بك شركة تنظيف بالرياض هم ملعب جدا أطفالك يكبرون على. الحفاظ على سجادة نظيفة ضمن بيئة المحمومة ومشغول، وبصرف النظر عن انسكاب العصير والبقع الملونة،
    الطين شركة تنظيف بالرياض ويمكن أن يكون هدفا صعبة للغاية للبقاء في المنزل أمي أو أب العاملة افضل شركة تنظيف بالرياض هذا هو السبب في التعاقد مع الشركات المهنية وتنظيف ا
    لسجاد في سان دييغو قد يكون الخيار الأفضل حتى الآن شركة نظافة بالرياض وفيما يلي بعض المؤشرات لمساعدتك في اختيار من الشركة المناسبة عند الحاجة تنظيف السجاد في سان دييغو.

    1. تأكد من توفر شركة منظفات الكيميائية الحرة كبديل للمواد
    الكيميائية الثقيلة القياسية التي تستخدم عادة عند شركة تنظيف بجدة تنظيف السجاد يتطلب مهارة وصبر، وكذلك المذيبات قوية وعمال النظافة، ولكن عندما يتم الأطفال
    الذين يعيشون داخل المنزل، أو كنت قد قررت أن الوقت قد حان ليصبح أكثر انسجاما مع الطبيعة شركة نظافة بجدة من خيارات التنظيف الخضراء هي يجب أن يكون.

    2. البحوث موقع الشركة على الانترنت والبحث عن الشهادات شركة تنظيف بالخبر والبحث عن الشهادات على مواقع أخرى كذلك. شركة العلامة التجارية الجديدة قد لا تكون
    قادرة على نقدم لكم موقع على شبكة واسعة ولا شهادات لتظهر لك العمل الذي قمت به، ومع ذلك لا تعول بها شركة تنظيف بالدمام والآن هو الوقت المناسب للعديد من الشركات
    الجديدة لتكون تنتشر في وتقدم خدمات جليلة بأسعار مخفضة. ولكن كلما كان ذلك ممكنا، والبحث على موقع شركة تنظيف منازل بالدمام لمعرفة ما يقوله الآخرون عن هذه الشركة.

    3. تحقق لمعرفة ما إذا كانت شركة تنظيف شقق كنت تبحث لاستئجار هي المعتمدة. شهادة يؤكد لكم أن لديهم الخبرة والمعرفة والنزاهة المهنية في البحث عن برامج إصدار
    الشهادات واتخاذ الخطوات اللازمة للمصادقة على شركاتهم. تنظيف شقق بالرياض مصدقة هو خيار أفضل من التشغيل الخاص بك المعياري للنظافة السجاد طاحونة زاوية.

    4. اطلب من شركة تنظيف شقق بالخبر إذا كان لديهم أي من العملاء يمكنك الاتصال ويسأل عن
    الخدمات التي يؤديها شركات تنظيف منازل بالرياض هذه خطوة واسعة في اختيار منظف السجاد، لكنها واحدة للنظر فيها شركة تنظيف شقق بالدمام وتقدر قيمة السجاد البنود الخاصة بك
    من بيتك، وإذا كنت تستطيع على الأقل التحدث مع شخص آخر الذي كان له تجربة جيدة مع هذه الشركة وتنظيف السجاد شركة تنظيف بالاحساء مما يمكنك الشعور بالثقة قد تواجه نفس.

    5. التحقق من وجود ضمانة. ليس كل شركة تنظيف خزانات بالرياض لديها الضمانات اللازمة، حتى تحقق للتأكد من أنها على الأقل توفر نوعا من الضمان أو وعد.
    يجب أن تكون تنظيف خزانات المياه قادرة على ضمان بأنهم سيحصلون على السجاد الخاص بك نظيفة شركة تنظيف منازل بالاحساء وأنها ينبغي أن تكون قادرة على الوقوف وراء كلمتهم.
    شركة تنظيف كنب بالرياض
    عندما كنت في حاجة الى شركة تنظيف كنب، تأكد من أن تذهب من خلال القائمة المرجعية المذكورة أعلاه شركة تنظيف منازل بالرياض وتأكد من أن الشركة التي تستفسر
    عن علبة الماضي كافة الاختبارات. إذا كانت الشركة كنت تبحث لاستئجار يمكن أن تمر كل هذه التجارب شركة تنظيف منازل بالمجمعة مما هي الشركة التي قد يكون من المفيد وقتك والنظر.

  9. alamwag says:

    http://alamwag.com/مكافحة-الحشرات-بالرياض-_رش-مبيدات

    إذا كنت تبحث عن شركة مكافحة حشرات بالرياض، فأنت في المكان الصحيح، شركةالامواج توفر لك حلولا متعددة للتخلص من الحشرات (مكافحة حشرات، مكافحة الصراصير، الفئران و غيرها، ..).
    بعض الحشرات مثل الصراصير تتكاثر في الأماكن الدافئة، الرطبة أو الجافة، و البعيدة عن الضوء، وعادة ما تتغذى على المواد النباتية والحيوانية، وبالتالي تلوث المواد الغذائية بفضلاتها.
    و يمكنها بهذا الشكل أن تسبب كثيراً من الأضرار و الأخطار حيث أن صغر حجمها يسمح لها بالدخول في كثير من الأحيان في مختلف المرافق.
    كل هذه الحشرات تحمل معها مسببات الأمراض ويمكن لها أن تتسب في الحساسية و الأوبئة.
    ومن هنا تأتي أهمية القضاء على هذه الحشرات، حيث نوفر بصفتنا شركة مكافحة حشرات بالرياض، منتجات مهنية فعالة جدا ضد الحشرات و ملائمة لمختلف الإحتياجات

    أين تعيش الحشرات في منزلكم؟
    تتكاثر الحشرات مثل الصراصير في الأماكن
    الدافئة، الرطبة و الجافة، و خاصة المظلمة، وعادة ما تتغذى على المخلفات النباتية والحيوانية، و بالتالي فهي تعرض المواد الغذائية للتلوث بفضلاتها و يمكنها بهذا الشكل أن تسبب كثيراً
    من المشاكل و الأضرار و تشكل خطر جما، حيث أن صغر حجمها يسمح لها بالدخول في جميع المرافق و تعرض بيئتكم لخطر التلوث وبالتالي إمكانية الإصابة بالأمراض و الأوبئة.
    أول معلومات يجب معرفتها، أن الحرارة الشديدة تنشط الحشرات المنزلية في فصل الصيف و هو ما يستدعي اليقظة والقيام بهذه الأعمال دورياً :
    1- مكافحة الحشرات الطائرة – الذباب :
    يعد الذباب والحشرات الطائرات عموما من أخطر الحشرات خاصة في الصيف فهو يعد ناقلا لأمراض التيفود، النزلات المعوية و الدوسنتاريا من الفضلات والقاذورات إلي الإنسان.

    طرق مكافحة الذباب والقضاء عليه :
    الوقاية أولا هي الحل, بالنظافة داخل البيت و خارجه، ثم تأمين المنزل بالنوافذ
    و الستائر واستخدام مضارب الذباب لمطاردته داخل البيت بدلاً من رش المبيدات، وعدم ترك أي طعام أو شراب دون غطاء، و إذا تفاقم الأمر، فيجب إستدعاء شركة مكافحة حشرات مختصة.
    2-مكافحة الحشرات الزاحفة – البرغوث :
    حشرة البرغوث قد تنقل مرض الطاعون للإنسان من الفئران المصابة بها، والذي يمكنه أن يتنقل
    من إنسان إلي آخر عن طريق هذه الحشرة، و هذه الأمراض تظهر نتيجة تراكم القمامة و في مناور المنازل, الشوارع و داخل البيوت و بالتالي يهيأ ذلك كله البيئة المناسبة لوجود الفئران والبراغيث.

    طرق مكافحة البراغيث :
    مكافحة الحشرات داخل غرف النوم والمعيشة باستخدام المبيدات الآمنة ، مثل الايروسولات المعروف برشها علي السجاد وأسفل الاسرة لأنها بيئة صالحة لتكاثرها لتوافر الاتربة بها .
    كذلك
    التنظيف المستمر داخل المنزل والاهتمام بإزالة الاتربة خاصة من غرفة المعيشة والحرص علي تهوية الفراش والحجرات لمنع تكاثر البراغيث علماً بأنها تستطيع أن تعيش نحو 15 يوماً دون غذاء .
    3- مكافحة الصراصير و الصرصور الالماني :
    الصرصور الألماني يمثل آفة المطبخ الرئيسية و يتواجد في الثلاجات وداخل الرفوف ويسبب تلوثاً شديداً للأواني المنزلية بالمطبخ
    ويختلف كثيراً عن الصرصور الأمريكي المنزلي المعتاد كبير الحجم غامق اللون غزير الشعيرات، في أنه شديد الحساسية للمبيدات وبالتالي يسهل مقاومته ويكثر وجوده في دورات المياه والبالوعات .
    طرق مكافحة الصراصير والقضاء عليها :
    تغطية البالوعات داخل المنازل واستخدام الايروسولات، إذا تفاقم وجوده، فيجب إستدعاء شركة مكافحة حشرات المختصة في رش المبيدات، وغير ذلك من الحلول الصديقة لمنزلكم

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    small share of every poker sport, so they do not care who wins and loses.
    This was the concept got FMCG major Dabur’s vice chairman Amit Burman to plan a poker league in India.
    Amongst different issues, visitors will find a each day dose of articles with the most recent poker information, dwell reporting from tournaments, exclusive videos, podcasts and so
    much more. We now have numerous nice technique articles accessible here at Our
    Texas Maintain’em Beginning Fingers information is a great comply with up to
    this text and has more specific info on which hands to play.

    Rajat Agarwal, the co-founder of Spartan Poker who referenced these studies, mentioned that this mannequin is working.
    The palms are organized by largest hole card with a separate section for pocket pairs.
    Wait until you actually download our poker software that is made In India,
    create a star poker account and get to the deposit half.
    There are rules that dictate what number of raises and re-raises
    can be made in a betting round. Make sure to take a look at our Poker Game Guidelines and
    Poker Hand Ranks if in case you have any questions about how any of the above poker video games are performed.
    The poker increase in India remains to be 4 to 5 years away and would require
    dramatic authorized changes and the mind-set shift of a technology.

    Here’s a quick take a look at a number of the most common kinds of poker games you’ll encounter online.
    Rulings akin to those have led major on-line poker corporations like PokerStars
    and 888 Poker to supply actual-cash play in India.
    That was it for this edition however the motion from the India Poker Championship continues at their next occasion from 7th – tenth
    April 2011. As you learn how to play poker, you’ll
    find the upper the numbers in a straight, the better. What number of
    hands you need to play in order to become an professional
    is anyone’s guess, however some players report taking part in something from 200 to about 10,000
    fingers per day.

    For more than forty years, the World Collection of Poker has
    been probably the most trusted name in the game. Multi-Desk Tournaments, Sit-and-Go’s, Hyper Turbos, Six-Max,
    Heads-Up, Double or Nothings, Fast-Fold Poker… the quantity of poker-game codecs you’ll find these days on poker sites is as diverse
    as those you discovered out of your grandfather on the kitchen table.
    Another spherical of betting begins with the primary participant still with playing cards
    to the left of the supplier. The primary purpose given for Poker Recreation’s retirement is
    partly due to its complicated guidelines and low worth of prizes offered; it by no means provided prizes more than $999.

    Playing web sites argue that the video games performed on their platform involve
    skilled players, who use strategy and techniques to win the sport.
    A flush is a poker hand similar to Q♣ 10♣ 7♣ 6♣ four♣, where all
    five cards are of the identical suit, however not in sequence.

    Additionally, in Sikkim and Goa – the two Indian states to date
    – even casinos are allowed to function. Since it’s extremely implied that social video games
    are authorized, I am categorizing them as such.

    He responded by launching right into a lecture about how tight players damage
    the game. There are just several states obtainable
    for authorized play – equivalent to Nagaland, Sikkim, West Bengal and Karnataka.

    In the showdown each participant has seven cards accessible from which to make the
    best 5-card poker hand: two hole playing cards and the 5 face-up cards
    which can be found to everybody. An ace-excessive straight
    flush is named a royal flush, the absolute
    best hand in poker. Most instances it’s apparent that a player may have connection points nevertheless it
    turns into ridiculously apparent when a player purposefully runs time to just win the sport for factors.
    Added to that, being a dependable online poker gaming website,
    always makes it a point to facilitate the winners with 100% authorized cash and
    players can win the instant cash in Indian currency.

    Gamers can choose one that represents the best and makes
    them stand out from the crowd within the variety of multiplayer video games.
    The crew’s findings coincide with the very public
    success several weeks in the past of Libratus, a poker AI designed by
    researchers at Carnegie Mellon College in Pittsburgh, Pennsylvania.
    Is likely one of the hottest and trusted online poker site in India
    Our user-pleasant software program provides a outstanding gaming expertise to play poker on-line in India.

    Extra importantly, there are multiple freerolls and pay to
    play tournaments on a routine basis with guaranteed
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