6 Cost you should always Negotiate

1.Credit Card Rates
since Credit Card reform act, card companies are competing fericely again for new customers
2.Mortgage and Refinancing Rates and Fees
"Morgage lending has gotten difficult, which means that a lender will work hard to make a deal" Says Rheingold
3.Home Improvements
"Business is slow and that means contractors are willing to haggle over their prices" says Greg Daugherty
4.Home Appliances and Electronics
Store Managers understand that a discounted deal done today is often better than a potential deal in the future.
5.Cars
Car dealerships are one of the few place where price negotiations are not only acceptable, they're expected
6.Medical Bills
Patients usually assume that the cost for various medical procedures and test are set in stone, but often they're not.