SAVINGS ACCOUNT RATES » Savings News

Baxter Credit Union is offering a reasonable 1.50% APY on its Rainy Day Savings Account. What's special about this account, however, is that as long as you deposit at least $25 into your account every month for 12 months, your rate will double, giving you a 3.00% APY after one year.

A few details of the account include:

• Initial opening deposit maximum is $1,000
• Maximum deposit amount per month is $500
• 2 withdrawals allowed per year

Credit union membership is required to open an account. Residents of Kenosha County in Wisconsin, as well as select counties in Illinois are eligible with a $5 deposit into a share savings account. Check for other membership eligibility requirements.

>>Savings Account Bank Rate Deals

Other Terms and Conditions may apply to this offer - please contact the financial institution to review.

Negotiation is the art of compromising to the satisfaction of both parties. Both parties agree to give something up, but in return they will get something out of the arrangement. When it comes to saving cash, it does not "hurt to ask" as long as the request is in reason and is handled with the highest level of diplomacy. Negotiating to save money is a gentle mix of coaxing and aggressive pursuit of a goal, therefore it is imperative not to act abrasively towards the other person thus reducing your chances of a successful negotiation.

To successfully negotiate to save money on your purchase you need to be knowledgeable on the subject. Going into a car dealership and asking for $1,000 off the sticker price can undermine your strategy. But going in well versed on a particular vehicle, knowing what you want to pay for the car realistically and asking specifically for a better price could result in substantial savings.

This strategy can be used almost anywhere and at anytime. Perhaps you are going to your favorite fast food restaurant at closing time? You may be able to buy all the left over food for a set price just by asking. Or maybe you find an adorable sweater missing a button, you can ask the manager for a little bit off to make up for the defect you can easily fix yourself. Only if you try to negotiate will you have success. Remember it is all a numbers game, the more people you try to negotiate with, the greater the chance that someone will say yes to your request.

The art of negotiation is a an extremely important skill to learn. Everyone encounters a situations daily that can be handled properly with a little decorum an tact which can generally work to their advantage. Whether it is making a deal with your teenager to encourage them to do their chores, securing a new client for your business, or buying a new car - negotiating is a great way to save money.

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