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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Jacob Rees-Mogg Suggests Crawford Falconer Could Take Over EU Negotiations  LBCJacob Rees-Mogg has said that the second phase of Brexit negotiations between the UK and EU could be lead by the government's expert on trade negotiation.
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Underpaid? Five Signs It Is Better To Quit Than To Negotiate For More  ForbesOn a consulting assignment with a fast-growth company, I noticed a talented team member underpaid compared to her peers. After working closely with this ...
What Campaigns Can Teach Lawyers About Negotiating | Texas Lawyer  Law.comLegal negotiations aren't too dissimilar from election campaigns as I've learned from personal experience.
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Negotiations continue on Wondai's Marshlands  Queensland Country LifeGreg and Sally Chappell's Wondai property Wondai property Marshlands was passed in for $3.75 million.
Pakistan, Russia negotiating supplies of aviation, air defense systems  Daily Pakistan GlobalRAWALPINDI – Pakistan is negotiating defense industry cooperation with Russia in the areas of aviation, air defense systems and anti-tank missiles, spokesman ...
Icelandair, WOW air restart negotiations  PitchBook News & AnalysisWOW Air has reentered into negotiations with Icelandair following the cancellation of Indigo Partners' proposed investment. The Icelandic airline discussed ...
Syndergaard unhappy with deGrom negotiations  TSNPORT ST. LUCIE, Fla. — New York Mets pitcher Noah Syndergaard tuned up for the regular season with a couple fastballs — at his own organization.
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Parrikar’s death a loss to BJP but hasn’t shrunk negotiating space: Vinay Tendulkar  LivemintWe had to get the swearing-in done (in the wee hours) because there would have been a constitutional crisis in Goa.Parrikar's appeal and popularity cut across ...
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Children and divorce: Negotiating a successful co-parenting plan in your divorce settlement  LexologyDivorce may be the end of a marriage, but when children are involved, it is the beginning of co-parenting. That means parents still have to work together and ...
When It Comes to Negotiating, Kim Jong-un's Team Is More Experienced  New York TimesAs negotiators for the United States and North Korea sat down on Thursday in Hanoi, Vietnam, to discuss denuclearization, the team on Kim Jong-un's side of ...
Barcelona ready to negotiate Man Utd transfer for Samuel Umtiti - all because of one star  ExpressBARCELONA are reportedly ready to sell Samuel Umtiti to Manchester United this summer to help fund a deal for Ajax centre-back Matthijs de Ligt.
On eve of negotiations, King Soopers touts contract perks, union decries “poverty wages” while hinting strike is imminent  The Denver PostThe two sides haven't sat down since a March 7 negotiating session broke down leading to last week's strike vote. The United Food and Commerical Workers ...
5 Ways To Negotiate Your Data Scientist Salary  Analytics India MagazineIt is nothing new that a job change is not just about taking on new responsibilities or expanding your skills, but it is also about a hike in your salary.
Brazil - Trump/Bolsonaro wheat quota could affect sugar trade negotiations with Argentina - The leading business intelligence service on global sugar and sweetener markets  AgraNetBrazil's decision to create an import quota of 750000 tonnes of wheat without tariffs, as part of an agreement between Presidents Jair Bolsonaro and.
Nonplussed Jerry Jones compares slow negotiations with DeMarcus Lawrence to Emmitt Smith  Fort Worth Star-TelegramRoughly three weeks into free agency, the Cowboys have seemingly made no progress on contracts talks with DE DeMarcus Lawrence. Owner Jerry Jones is ...
BREAKING: Pulse and SDM Negotiate Campaign Stands but Pulse YET to Find Candidates to contest for KSU  The Third EyePulse, SDM and UM administration have met to decide on campaign stands. Apart from this, it was revealed to The Third Eye that there was a good number of ...
Mike Pence: 'The United States will never negotiate with terrorist Hamas'  Washington TimesVice President Mike Pence reaffirmed America's commitment to Israel's national security Monday after a rocket attack left several injured in their home.
PSG are in negotiations with Ander Herrera  Get French Football NewsRMC confirmed this morning that Ligue 1 leaders PSG are in advanced negotiations with 29-year-old midfielder Ander Herrera. The Spaniard's contract with ...
Icelandair In Negotiations To Buy WOW Air For The Second Time  Simple FlyingIcelandair is once again in talks to acquire WOW Air. This comes after an acquisition by Indigo Partners fell through.

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