I’m reading your book–Start Late, Finish Rich– even though I’m only a third into it, I followed your advice to check my credit card interest rate. I was shocked to see 32% due to a returned check. I called the bank; they agreed to change it back to 19.2% which I still felt was too high. I told about other credit card offers I was getting. The supervisor, to whom I was transferred because the first person said she could not help me. Guess what? the guy lowered it to the current prime rate plus 3%– Now, my interest rate will be 11.4%!
I followed your tips and voila!
Also, I just bought REIT mutual funds from Vanguard, so we’ll see what happens. My investments have been very conservative, so i’m putting some in REIT and Corporate funds, i.e., junk bonds…