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Your Personal Budget depends on keen negotiation skills and understanding the fine print.

This month RBC is running “break up with your bank” ads to get folks to switch their home equity credit lines for a 0.5% interest rate savings. Do you really think your current bank won’t match their rate to keep your business?

Being an effective household CFO means developing some keen negotiation skills. Not only do you need these at the family monthly meeting to discuss cost cutting measures and setting a plan with your partner and/or kids, you need them for ALL of Your-CO’s partners n- especially your bank.

The banks all have to abide by the same credit rules and they all have wiggle room in terms of what they can offer you. Establishing a good relationship with a decision maker at your bank is our Rule #9.

You need a personal budget to see the big picture spending (including bank interest embedded in your credit lines) and you must understand the fine print of the offers tabled for Your-CO. For example, if you had to pay CMHC (mortgage insurance) because your down payment did not meet with your bank’s conventional mortgage rules that required a minimum down payment, if your mortgage terms or your current employment situation have changed, you may have to pay an additional premium to switch banks. What’s more, if you’re in the middle of a locked in mortgage for a specific term, there will be hefty disbursement charges adding up to much of your current interest obligations for the balance of your term. What this means is that if you still owe $30K in mortgage interest on the remainder of your locked in term (say 3 years left), you will have to pay a big chunk of it to break the mortgage contract.

Customers with great credit are in high demand and all sorts of people are offering first and second mortgages: I just saw a jeweler running an ad “we’ll buy your gold AND we’ll finance your mortgage”. Everyone wants to get into the business of lending money to folks with great credit. Don’t be afraid to negotiate with your bank. You are the customer. You have the leverage. They need Your-CO much more than you need Bank-CO.

--- Last Edited by Quinn at 2011-08-08 13:24:40 ---
Superb post! I was browsing other web pages when I saw this site. The overview exhibited above supplemented me as well the readers of your page with additional information. I read an article which was entitled Citigroup pushing record number of credit card offers via mail. Now, what was this all about? Citigroup is stepping up its credit card offers by postal mail in a big way, writes the Wall Street Journal. Arriving at a North American home near you in the 3rd quarter will be an estimated 346 million charge card deals, according to statistics published by research firm Synovate. That's greater than one for every man, female and child in the U.S., at a cost exceeding $240 million. Well, this will definitely affect the personal budget. What do you think?
If your back is against the wall and you have nowhere to go you don't have much leverage in a negotiation. Deciding when to ask for a raise is best done when you have options. If you have had a recent job offer, if your boss feels like you are in demand, or if your job is in high demand in the market place you are in a very good position to ask for a raise. Having the ability to leave your job for another position gives your request merit. Companies know the cost of hiring and training new employees. It is to their benefit to keep good employees as long as possible.

You know your situation and how important a raise is. The final suggestion is to identify changes in your situation that now make a raise essential. This can be a new baby on the way, an unexpected, long term medical expense, or possibly the decision to go back to school. Whatever the reason, use it as the basis for requesting the raise. Simply being good at what you do and wanting more cash advance in these difficult times may fall on deaf ears.
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