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Negotiating: it’s in your tone of voice

One of the great secrets of negotiation is how your tone of voice affects the other person’s perception of your mood. Whether you’re in sales or just a customer trying to get a company to do right by you, there are several tips I’ve found very effective over the years: Keep your pitch low. Don’t …

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How to minimize medical bills

It’s not enough that you’re unwell and need treatment that will take up time and cause you more discomfort: it’s also gonna cost you! That’s the reality many of us live with when it comes to medicine. Finding ways to pay medical bills can be almost stressful enough to cause a whole other health issue. …

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National Action Financial Services scam

Oh, here we go again. Just as I’ve stopped getting calls from the fake company “Account Services“, I started getting robot calls from a collection agency called National Action Financial Services. They’re a real company, but they don’t ask for anyone by name on the messages they leave. It turned out they were after the …

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Looking at stuff in terms of how many labor hours it costs

So you’re thinking about buying something, or you’re comparing two purchases. You have the ability to pay for the purchases you’re considering. But you find yourself wondering how to determine whether you can really afford it. Being able to pay for something isn’t exactly the same as being able to afford it. Whether or not …

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