Just Ask!

Ask and you shall receive & knock and it shall be opened &send an email and see what happens.

As a student of personal finance you are probably familiar with the advice to negotiate with your credit card companies to get a lower interest rate. Why stop there?

There is hardly anything that can't be gotten for less than what is being asked if you are smart and creative about asking.

Since you are reading this on a computer, let's start there. Got AOL?

I called AOL and they gave me two months of free service. Here is how it went...

AOL: How can I make your online experience more enjoyable? (I should have said give me 6 free months!)

ME: Well first, I was wondering how long I have been a member of AOL.

AOL: April 1995

ME: That's a long time. What would happen if I got a new computer and they offered me a free year of AOL.

AOL: Your account would be credited for that year.

ME: Well, since I've been a valued customer for such a long time could you give me 3 or 4 free months?

AOL: I'd like to ...can you hold?

ME: Sure

AOL: My supervisor has authorized me to give you 2 free months. Is that OK?

ME: Sure.

AOL: Leo, let me ask you... is the reason you called today to get some free months?

ME: Well, I really wanted to find out how long I'd been a member but YES, since I've been a loyal customer. Thanks!

You'll notice that FIRST, I established how long I had been a member. Even if I knew the answer to the question I would still have had him look it up so HE knew. Seven years as an AOL member established that I was a VALUED (valuable) customer. This is when I asked for the free months. If he had said "no" I would have asked to speak to his supervisor but he did that for me.

I'm not sure who said it but I like the lesson "never accept a NO from someone not empowered to give you a YES!"

Got Road Runner? I got this idea from one of my subscribers. Locally, Time Warner is offering new subscribers a special six month rate of $29.95 instead of the normal $49.95.

She was already a Road Runner subscriber but she called and asked for the $29.95 rate since she was a "valued customer". They said yes and she saved $120 for a five-minute phone call.

Have you been with your Internet Service Provider for a while? Call up and ask them for a few free months. If they are reluctant, you might drop hints about trying another service.

In one of my seminars a student commented that she would be afraid "they" would laugh at her if she called and asked for a discount. 1) They probably won't and 2) So what if they did? If they are laughing, ask them if that was a yes or no and then ask to speak with their supervisor say you are upset about the laughing and as a valued customer you'll get your discount! That or have one of your teenage kids make the call they don't take no for an answer do they?

If possible, before you are in a position to negotiate, review your assets and what, if anything, can you offer to them?

Being a long time customer is an asset and they don't want to lose you. Have a friend who wants to buy the same thing? Bringing a company two sales at one time is an asset. Having influence over a large group who might want to buy what they are selling is a big asset. Paying cash can be an asset.

At this writing I have 7700 subscribers to my e-zine. If I see a product on the Internet that I think might be helpful to them I'll contact the seller. I introduce myself and invite them to visit my website to establish some credibility.

I'm writing to propose a joint venture that could benefit the merchant, my subscribers and sometimes me. I explain that I would consider endorsing their product or service to my list if it is as good as advertised. If they believe in their product they usually will offer me a FREE review copy of it.

In the last month I've gotten $1532 in value (products and services) using the assets I've developed.

Can't come up with any assets right now? A former auto salesperson told me his simple 8-word sentence for getting discounts "Is that price the best you can do?" Again, if you get a "no" from anyone other than the owner or manager in the case of a mega-retailer ask, in the nicest way possible, if they could check with the owner/manager to make sure that is the best price.

In this live scenario it never hurts to be prepared to leave if they won't deal. Mention you saw the same product somewhere else imply you are going to buy one today from someone.

My students have given me many examples of negotiating discounts at places as big as Wal-Mart simply by asking the manager. The worst they can say is no.

In my live seminars I recommend never buying a NordicTrac from NordicTrac. You'll find lots of them in next to new condition in the classified section of the newspaper. Make your calls and be sure to mention that there are a lot of them for sale. This raises strong doubt in their mind that they will be able to sell at the price they want and makes them more receptive to a lower price.

Negotiating can be fun. It doesn't have to be nerve-wracking. Merchants are used to it and you should get used to it too! Good luck and let me know how it goes for you.

Leo J. Quinn, Jr. owner of http://www.LeoQuinn.com is a financial educator from the Albany, NY area. For over eight years he has been helping thousands of people get control of their finances and get out of debt in a fraction of the normal time. He has a special offer for readers of this newsletter at http://www.1shoppingcart.com/app/adt rack.asp?AdID=132551

In The News:

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'Give and take' means something different to UI grad student union, Iowa regents  Iowa City Press CitizenThe room filled with "boos" as lawyers for the Iowa Board of Regents outlined a first contract proposal to the University of Iowa's graduate student union ...
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CFL Team Acquires Negotiation Rights For Ohio State QB Tate Martell  The SpunWhile Tate Martell is probably looking forward to his time under center at Ohio State, one CFL team already acquired the dual-threat quarterback's rights.
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Trump uses Israel’s wall as example in negotiation with Pelosi and Schumer  The Jerusalem Post - Israel NewsWASHINGTON - In an extraordinarily tense exchange Tuesday with Democratic leaders, President Donald Trump threatened to shut down the government ...
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International Aviation negotiation conference kicks off in Nairobi  Kenya Broadcasting CorporationDelegations from 70 countries around the world are gathering in Nairobi to negotiate Air *Service* Agreements at the eleventh (11th) International Civil Aviation ...
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Canongate acquires Ryzov's The Kremlin School of Negotiation  The BooksellerCanongate has acquired the world English rights to The Kremlin School of Negotiation by business coach Igor Ryzov.
Salary negotiation tips for women | Expert column  Virginian-PilotDuring a national conference for the Society for Human Resource Management, I gave a speech on salary negotiations for women. Mary, a 55-year-old HR ...
News: Defunct Political Parties Negotiation Forum leaders at odds with PM Abiy’s fresh talk with opposition  addisstandard.comYared Tsegaye. Addis Abeba, December 05/2018 – In the wake of the first ever face-to-face meeting between Prime Minister Abiy Ahmed and leaders of 81 ...
Understanding the art of negotiation at COP24  The Daily StarUnder the United Nations Framework Convention on Climate Change (UNFCCC) all the countries meet each year at the annual Conference of Parties (COP) ...
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Victorian schools could lose billions as state-federal negotiations break down  The GuardianVictoria's education minister says commonwealth rejects compromise and he 'won't be bullied' into signing a 'dud' funding deal.
Ifo Institute calls for re-negotiation of Brexit agreement  FXStreetThis is the original of the statement on Brexit agreement re-negotiation from the Ifo Institute. The Ifo Institute has called for renegotiations of.
Fort Smith School Board votes to change teacher negotiation process  talkbusiness.netThe Fort Smith Public Schools Board of Education voted during their regular meeting Monday (Nov. 26) to change the way the district negotiates with teachers ...
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Hillsborough says Rays need negotiation extension from St. Pete  WTSP.comThe Rays need to give St. Petersburg notice of its future plans by Dec. 31. Hillsborough County says it needs three or four more months.
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Man taken into custody after negotiation by Greater Victoria ERT and VicPD at apartment building  CHEKThe Greater Victoria Emergency Team and Victoria police have taken a man into custody on Carroll Street after hours of negotiation.
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Planters claim death threats, refuse direct negotiations with unions  ft.lkThe Planters Association of Ceylon (PA) yesterday claimed their members were under death threat from trade unions, and refused to directly engage in the ...
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Rep. Jeffries: If Trump wants wall, 'negotiate with Mexico'  MSNBCIf Trump wants a border wall, "go negotiate with Mexico," says Rep. Hakeem Jeffries.
Full Himes: 'The president says he's a dealmaker….Well then deal, negotiate'  MSNBCRep. Jim Himes (D-Conn.) joins MTP Daily today to discuss the possibility of impeachment for President Trump after the recent findings in the Russia ...
City to negotiate for drainage study  Aransas Pass ProgressThe Aransas Pass City Council authorized staff to begin negotiations with LNV for engineering services for a city-wide drainage study, and approved other ...
How women can earn $1 million more in their career  Yahoo FinanceWomen in the workplace still only earn 80% of what men do, and we have a long way to go toward closing the gap, says Katie Donovan, a pay equity expert and ...
Southland District council negotiating on cycle trail contracts  The Southland TimesThe final business plan for the Around the Mountains cycle trail is being put together with the hope work will begin in the new year.
Sorry, Deliveroo Drivers: No Group Negotiation For You, Says High Court  Gizmodo UKWorking out the finer legal points of the gig economy has been a key pastime for the UK legal system over the last couple of years, and it's just upheld a previous ...
Loke: Enough said, let M'sia and S'pore negotiate on ILS  MalaysiakiniTransport Minister Anthony Loke said today Malaysia and Singapore should be allowed to negotiate on the issue of the proposed Instrumental Landing System ...
This Startup Is Closing The Gender Pay Gap, One Negotiation At A Time  ForbesStartup 81cents, which provides salary support for women in the midst of job negotiations, just won the fifth annual CommonBond Social Impact Award.
Ngige faults Falana, takes over negotiation with ASUU  The Nation NewspaperThe Minister of Labour, Senator Chris Ngige has faulted human right lawyer, Femi Falana (SAN) on the implementation of the No work, no pay policy.
CVS-Aetna deal will save money by cutting supply chain negotiations  STATBy consolidating steps in the pharmaceutical supply chain, CVS's acquisition of Aetna will lead to lower markups and costs for consumers.
Yakima man arrested following negotiation with police  Yakima Herald-RepublicA Yakima man was arrested Saturday following an extended negotiation after he threatened to harm family members, according to a news release from Yakima ...
Gibraltar rocks final stages of Brexit negotiation  Channel NewsAsiaGibraltar's Rock seen from the Spanish city of Cadiz is a British territory and a last sticking point in Britain's EU exit deal. (Photo: AFP/Jorge Guerrero).
Geneva teachers, school district remain at impasse; federal mediator to join Sunday negotiating session  Chicago TribuneA federal mediator will be brought in Sunday after bargaining teams for Geneva District 304 and the Geneva Education Association negotiated for nearly six ...
Netanyahu's Negotiating With Neo-Fascists for a 'Consensus View' of the Holocaust  The Daily BeastTo the consternation of Diaspora Jews who feel increasingly threatened, Israel's prime minister is making nice with Europe's far-right leaders and compromising ...
Did law enforcement have a seat at the table in negotiations over medical cannabis? Utah public-safety commissioner says no but that's OK.  Salt Lake TribuneThe Weber County sheriff, a strident opponent of attempts to relax cannabis laws, is taking issue with the lack of a law-enforcement presence in negotiations ...
'No room for further Brexit negotiation' - Muscat  Times of MaltaUK Prime Minister Theresa May should not expect a better Brexit deal than that already negotiated with the European Union, Prime Minister Joseph Muscat ...
Darfur peace follow-up body welcomes signing of pre-negotiation agreement - Sudan  ReliefWebDecember 9, 2018 (KHARTOUM) – The Implementation Follow-up Commission (IFC) of the Doha Document for Peace in Darfur (DDPD) welcomed the signing ...
'Bringing Down the Hammer' on China Trade Negotiations  The Cipher BriefAs tensions rise between China and the U.S. over the detention of Huawei's CFO in Vancouver, experts wonder what the impact will be on trade negotiations.
Police negotiations lead to despondent man with knife being taken into custody  InsideHalton.comA despondent man who was threatening to harm himself with a knife at a home on Tansley Drive in Oakville early Wednesday morning was taken into custody ...
Airplane fuelers at Sea-Tac threaten holiday strike amid contract negotiation  The Seattle TimesA strike would have broad consequences, potentially slowing or stopping flights forcing a ground stop at the airport.
Nikki Haley: Trump and I Ratcheted Up the Crazy for UN Negotiations  The Daily BeastIn a new interview, U.S. Ambassador to the U.N. Nikki Haley—who will leave office at the end of the year—shed light on how she handled that job while Donald ...
Negotiations Over ‘Water Grab’ May Continue Into ‘Eleventh Hour’  MyMotherLode.comClosed door talks with input from California's current governor and governor-elect are ongoing ahead of a looming, highly impactful Water Board decision this.
Are Women More Ethical at the Negotiating Table? It's Complicated.  Kellogg InsightPlus, how women are judged differently when they break the rules.
COP24: Nations to be given new draft negotiating text  Down To Earth MagazineThe new proposal, which will be produced on December 12, will be based on Paris Agreement guidelines.
ESPN, Skico negotiating new Winter X Games contract  Aspen TimesThe Aspen Skiing Co. is in discussions with ESPN about extending its contract for Winter X Games, with an announcement possible by next month, sources said ...
Report: LA Galaxy "deep in negotiations" with Caleb Porter  MLSsoccer.comSource: Caleb Porter in negotiations to become next head coach of the LA Galaxy. And one prominent assistant might be joining him: https://t.co/ggdn6Qk3i1.
Brexit clarifications possible, but no further negotiations: EU's Oettinger  ReutersBERLIN (Reuters) - The European Union is open to add clarifications to the Brexit deal but there won't be further negotiations in substance on issues such as the ...
Murphy negotiating $15 minimum wage bill with Legislature  NJTV NewsMurphy clarifies he will work with legislative leadership on a $15 minimum wage, and confirms his chief of staff will be leaving the administration.
Ennerdale dad who shot his son to negotiate plea deal, case postponed  News24A murder-accused Ennerdale father, who claims that he shot his son accidentally when he was startled by a knock on his car window, has asked for time to ...
Learning to negotiate consent and communicate well is central to poly relationships.  PGH City PaperA local group, Poly in Pittsburgh, is working to create a community that supports poly folks, and to normalize polyamory as a practice.
Brexit clarifications possible, but no further negotiations - EU's Oettinger  ReutersThe European Union is open to add clarifications to the Brexit deal but there won't be further negotiations in substance on issues such as the backstop solution ...
Research to examine potential of negotiated stopping for Gypsies and Travellers in London  De Montfort UniversityProfessor Jo Richardson to examine more balanced and humane approach to roadside camps.
New York Power Authority officials negotiating with Alcoa, expect agreement 'in very near future'  WatertownDailyTimes.comMASSENA — New York Power Authority trustees have approved a preservation power allocation of 5,000 kilowatts to Arconic, Inc. in Massena, allowing them to ...
Boycotting negotiating team 'not the way to rein in Anastasiades'  Cyprus MailBy George Psyllides. Former government spokesman Michalis Papapetrou voiced disagreement with the decision of two respected politicians to withdraw from ...
ASUU strike: FG replaces Education Minister in negotiations, blasts Falana  Daily Post NigeriaThe Minister of Labour and Employment, Senator Chris Ngige, has taken over the negotiation between the Federal government and the striking university teach.
Negotiations to join Liverpool got 'so advanced' club owner forced to step in personally  Sport WitnessIf there's one thing Anderlecht are really proud about this season, it's the fact they managed to keep Jérémy Doku at the club.
Amtrak call center relocation negotiations off to slow start, union says  Press-EnterpriseTalks between Amtrak officials and union leaders over the planned closure of the railroad's Riverside reservation center are in their early stages, and the two ...
Maritime disputes best settled through negotiations: Singapore on filing UNCLOS declaration  Channel NewsAsiaMaritime boundary delimitation disputes are best settled through negotiations, said Singapore's Ministry of Foreign Affairs (MFA) on Thursday (Dec 13) amid an ...
Tenant tips: 7 effective steps to negotiating rent in Singapore  Channel NewsAsiaSINGAPORE: Tenants, if there is anything that you need to know before you rent a home, it is this: Rental rates are always negotiable. Not only is nothing set in ...
WaPo: Stone associate is in plea negotiations  CNNAccording to the Washington Post, Roger Stone associate Jerome Corsi is in plea negotiations with special counsel Robert Mueller's office. Post reporter Josh ...
Irish premier rules out reopening backstop negotiations  News & StarLeo Varadkar said the EU has made a lot of concessions through the negotiation process.
International Regulation of Areas Beyond National Jurisdiction: Negotiations on a New Legal Structure for the High Seas  LawfareIn Sept. 2018, the first intergovernmental conference convened on a legally binding mechanism under UNCLOS related to conservation and sustainable use of ...
Negotiations between Geneva school district, teachers continue into the night  WGN TV ChicagoGENEVA, Ill. — Negotiations are going late into the night Sunday as striking teachers and school district officials in Geneva try to reach a deal and get kids back ...
On a tightrope: The new RBI governor faces tough negotiations ahead  Telegraph IndiaShaktikanta Das will have to balance the Centre's demand for funds and the RBI's need to maintain a contingency reserve.
NYC Lawmakers Vent Rage at Amazon Over Secret Negotiations  BloombergNew York City Council members denounced Amazon.com Inc. executives and a city economic development official over its deal that will provide the company ...
France’s Antigovernment Protesters Balk at Negotiations  Wall Street JournalProminent members of the protest movement that has rocked Paris are threatening to snub talks with the government of Emmanuel Macron, frustrating the ...
Trade deal with China could be elusive until bitter end of negotiating period  CNBCA new round of high-level talks and some potential giveback on tariffs by China was a bright spot in the U.S.-China trade war, but strategists say the peace could ...
REPORTS: Miami Hurricanes DC Manny Diaz in negotiations to be next Temple HC  State Of The ULocal Philadelphia journalist Marc Narducci of the Philadelphia Inquirer cites a source saying the deal between Diaz and Temple is “90% done”.
Kent State faculty union authorizes strike in case negotiations fail  Record-CourierAfter months of contract talks, the faculty union at Kent State University has authorized a strike— a bargaining strategy that gives the union the option of walking ...
NSW Goverment Accused Of Not Negotiating On Ausgrid Sale  Ten Eyewitness NewsWatch later. The NSW Government has been slammed for the way it went about selling half of the state owned Ausgrid power company. Episodes. 2018.
Ian Bremmer on Brexit Negotiations, No-Confidence Vote, U.S.-China Trade  BloombergIan Bremmer, president and founder of Eurasia Group, discusses Brexit negotiations, the no-confidence vote for Theresa May, the next steps in the process and ...

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