How to Save $3,000 to $30,000 Buying Your Next Home
From the Author: Several pre-publication reviewers asked me if an actual event prompted me to write On the Edge of the Loch. The answer is yes, a completely chance encounter with a mysterious woman. First, a synopsis: This literary novel tells an ...
‘Worth its weight in gold. Every house in the nation should have this book NOW!’ -- American Consumers Association
'this outstanding book rates a solid 10/10! — filled with valuable ammunition homebuyers need.’ -- Robert Bruss, National Syndicated Columnist
'this book is extraordinary!’ -- Tony Robbins, Author of Money: Master the Game and Unshakeable
‘no contest — the best! A consumer milestone. On-target, easy to understand. Puts power in the hands of the consumer.’ -- Jordan Clark, Consumer Advocate
‘Worth its weight in gold. One of the great books on personal finance. Shows how to get a great deal and reads like a novel. A gift to consumers - 5 stars!’ -- James Scott Tiernan, Jr, Consumer Advocate
‘Few book writers can put money into your pocket. Here’s one who can! Cummins is surely the new master of negotiation, and a gifted writer. Certainly the best and most enjoyable book on home buying. Inspiring!’ -- Bruce Hahn, President, American Homeowners Foundation
‘not a born haggler? Not One Dollar More! helps you cash in on savings!’ -- Kiplinger's (Worth Getting column)
‘Helps the reader from the start. Shows how to hold on to your money, with GREAT anecdotes.’ -- Andrew Tobias, Author of The Only Investment Guide You’ll Ever Need
‘THE BIBLE! The classic handbook for buyers, an invaluable resource.’ -- Homefront (editorial)
‘intelligent, well-written. offers really good advice. homebuyers, put this on your buy list.’ -- Marc Eisenson, Author of The Banker’s Secret
‘An outrageously good book! Read well what Cummins writes, it could make all the difference.’ -- Kathleen Smith, Author of Prosperity Reigns
‘DON'T loan this book. You won't get it back!’ -- Sam Alexander, Consumer Advocate
‘A wealth of detail as it takes you right up to the settlement table.’ -- Philadelphia Daily News
‘Not One Dollar More! — a book with great promise for homebuyers.’ -- Dr Wayne Dyer, Author of Your Erroneous Zones
‘a blueprint for saving money. none of the complexity or tedious language of other money books. the reader is helped with examples and entertaining anecdotes that communicate important know-how.’ -- TV Review
‘real estate agents and sellers should also study this book’ -- San Jose Mercury News
’Not One Dollar More! Sound Advice!&rs...
Table of Contents
Praise for Not One Dollar More!
Dear Reader and Introduction
the power of invisible negotiation
Part One: HOW NOT TO LOSE: THE FIRST STEPS
Chapter 1: Come Into My Parlor . . .
knowing what you are up against
Chapter 2: When ‘Your’ Agent is Not Your Agent at All. Who is Really Looking Out for You?
simplifying agency relationships: what you need to know
Chapter 3: It’s Your Money — But do You Know What it’s Really Worth?
when a dollar is not really a dollar
Part Two: PREPARING TO WIN
Chapter 4: Going Into Action
the first commandment: don’t rush in!
power and predictability
Chapter 5: What You Need to Know to Protect Your Money
case study: millions at stake
the importance of control — and what exactly it means
Chapter 6: The Initial Encounter: How to Handle the Salesperson
two keys: stay calm and alert
why and how you should stay unpredictable
Part Three: WINNING: KEEPING THE ODDS IN YOUR FAVOR
Chapter 7: Viewing Properties: Your Chance to Move Ahead
buying the right home: six questions you should always ask
knowing how the other side thinks
Chapter 8: When You Find the Right Home
prepared, always pleasant, never naive!
time: making it work for you
Chapter 9: Deal Time: Tactics, Concessions and Credibility
why you should almost never agree to ‘split the difference’ and other buyer mistakes
introduction to six powerful tactics
Part Four: INVISIBLE NEGOTIATION
Chapter 10: Tactics in Action: Influencing Salespeople and Private Sellers
what the neighbor knows — ask!
a strange story of perception and legitimacy
professional home inspections
should you buy a flipped home?
Chapter 11: How to Find and Work With an Exclusive Buyer Agent — and Why You Should
eba studies show significant savings
engaging an exclusive buyer agent
Chapter 12: Why be an Exclusive Buyer Agent? Top Professionals Respond in Their Own Words
Chapter 13: Buying at Auction
know the property before you bid
how to bid wisely
Part Five: HOW TO SAVE BIG ON FINANCING YOUR HOME
Chapter 14: What You Need to Know About Mortgages
your mortgage loan: know what’s a...