So don't be afraid -- call your credit card company's customer service line and ask for a lower rate. Tell them you have received an offer for a lower rate from a competitor. They will often match the rate just to keep your business.
While you are at it, don't forget to ask for an annual fee waiver. Most companies will also do this if you just ask.
You can check out any investment advisor in the US from the privacy of there your own homes, in five minutes or less, for free. Just go to the web site of the NASD (National Associations of Securities Dealers at www.NASDR.com. All you need is the first and last name of the advisor, the name of the firm they are associated with, and you can bring up their entire career history -- including customer complaints and fines.
Use the "cafeteria plan" which allows for pretax deductions for healthcare, childcare and education. Using this program costs the employer nothing but, it can cut your income taxes by as much as 10%.
If you drive for business, and your boss provides mileage reimbursement, ask for a company car. This is fully deductible to the company and cheaper for you!
Paying your mortgage bi-weekly, instead of monthly, matches most people's paychecks, and also typically cuts 12 years off a 30 year mortgage. This can save you tens of thousands of dollars.
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