Buying a new or used car can be an intimidating experience. Many car salespeople may pressure you to leave the lot with a purchased vehicle, so it’s crucial you’re armed with information about the cars you are interested in, the budget you can afford, and the value of your trade-in—if you have one. With these details, you have all the tools you need to negotiate properly.
Here are 10 tips and strategies for making sure you get the best-quality vehicle at the lowest price.
AGE OF REWARDS
Aging doesn’t always have its perks, but this list of discounts might add some pizzazz to the fact of getting older. Starting at age 50, the minimum age for AARP membership, seniors may cash in on numerous deals just for being born on or before the date required for the bargain. Simply flash an ID to collect on most discounts, although some apply only to AARP members and some are offered only by select chain franchisees.
Insurance rates typically never decrease, but you can still negotiate—especially if you have home and auto insurance with the same company. When your policy renews, get a quote or two from a competitive source, and then present your insurance agent with the information. Chances are, the company will offer you a better rate.
Even with good insurance from your employer, you’re most likely paying a larger share of your medical expenses than in the past – $11,600 for the average family in 2017, according to the Milliman Medical Index. A growing portion of that cost accrues during the year, from deductibles, co-payments and coinsurance – which now account for $4,534 of the average family’s expenses. The median deductible for in-network care charged by large employers is $1,300 for employee-only coverage and $3,000 for families, according to the National Business Group on Health.
Particularly now, when many workers are re-upping benefits choices during open enrollment, there are plenty of moves you can make to take charge of your health care costs and save hundreds or even thousands of dollars a year. Insurers and employers are offering more tools and resources to make it easier to compare costs for tests, procedures and drugs.
Whether you get insurance from your employer, via Medicare or on your own through the insurance marketplaces, these strategies will help you save.
FOR LOVE AND MONEY IN YOUR 30s AND 40s
Facebook statuses may paint a picture of the perfect life, with family vacations and celebrations, but your married friends in their 30s and 40s are probably hiding the truth if they insist they never fight. With kids, home ownership, and careers, there is much to disagree about during these decades. According to a national survey by Money magazine, 70 percent of married couples argue about money, with the amount spent on frivolous purchases high on the list of grievances. Are you one of those couples who can’t agree on where the money goes?
Will your insurance cover these?
When you think of the damage cars can inflict on people, traffic accidents probably leap to mind. Yet crashes are only one cause of car-related injuries. In 2011 and 2012, an average of 647,000 people suffered non-crash car injuries each year, according to estimates from a recent National Highway Traffic Safety Administration (NHTSA) report.
Here are the three most common injury causes cited in the report:
Being struck by a vehicle part, such as a door or trunk lid, or striking a vehicle (32 percent of all injuries reported)
Falls while entering or exiting vehicles (23 percent)
Overexertion, such as from unloading cargo from a trunk or the back of a pickup (11 percent)
The best dividend funds on the market all share one thing in common: They’re not one-size-fits-all.
Wall Street boasts quite literally hundreds of dividend mutual funds and exchange-traded funds (ETFs), and that spans a number of styles, geographies, costs and share classes. Are you interested in international dividend growth, or do you want to lasso as much nominal yield as possible out of American companies? Those angles (and far more) are covered in spades.
Combine that with all the variables investors have to consider — risk tolerance, investing time horizon, even 401k availability — and you have a situation in which one investor’s trash may well be another investor’s treasure.
Of course, I wouldn’t call any of the dividend funds we’re looking at today “trash.”
7 Dividend Stocks Whose Payouts Could Double in 3 Years
The following 10 dividend funds are among the best options on Wall Street, whether it’s because of a novel approach, or just because they offer a popular flavor for dirt-cheap. We’re looking at ETFs and mutual funds here, too, so this look at the best dividend funds should cover every type of account, from brokerages to IRAs to 401ks.
Click ahead to see them.