I have read your book, “Start Late, Finish Rich” and have been diligently trying to reduce my “Latte Factor” over the last 6 months. In one of your recent e-newsletters, you had an article in there on 10 ways to reduce your car insurance. Well, I decided to follow the tip on shopping on-line and comparing the rates of several companies – to my surprise, I not only was I able to reduce my monthly payments by $100 per month, but I actually got double the coverage than what I previously had! I was so surprise by the rate quote I received from Progressive. com compared to other companies, I call them twice just to confirm that what I was reading was true! Not only were their rates very competitive but their customer service was superb! Your newsletter came right in time, because I did not know I how I could reduce my monthly expenses no more than I already had. Thank you for providing your readers with practical advice they can use to meet their financial goals!