Because some cars are more expensive to replace or repair, insurance companies assign code numbers (1-21) to each model. The higher the code number the more your car costs new and the more expensive your collision and comprehensive premiums will be.

A damageability rating is assigned to each model of car based on the sticker price and how easily that model is damaged in a collision and how much it costs to repair. Damageability ratings can significantly raise or lower your comprehensive and collision premiums, so check the insurance rates before you buy.
For example, if a model is initially rated a 7, its sticker price is between $6,501 and $8,000 (see the Automobile Insurance Sticker-Price Code Numbers that follow).

The rating is then upgraded by + 1or more if the car is more expensive to repair than other cars costing the same amount, or lowered by —1 or more if the car is less expensive to repair. This means that while the car’s sticker price could be between $6,501 and $8,000, its damageability factor may make its cost of repair like that of a car that initially costs $8,001—$10,000, and your premiums will be as much as 20% higher.

AUTOMOBILE INSURANCE STICKER-PRICE CODE NUMBERS
These code numbers categorize your car by sticker price. The higher the code number the more expensive your comprehensive and collision premiums.
Code Number  -  $ Sticker Price
1     0— 1,600
2    1,601— 2,100
3    2,101— 2,750
4    2,751— 3,700
5    3,701— 5,000
6    5,001— 6,500
7    6,501— 8,000
8    8,001-10,000
10    10,001-12,500
11    12,501-15,000
12    15,001-17,000
13    17,001-20,000
14    20,001-24,000
15    24,001-28,000
16    28,001-33,000
17    33,001-39,000
18    39,001-46,000
19    46,001-55,000
20    55,001-65,000
21    Above 65,000
Note: There is no code 9 in the rating system.

Borrowing mortgage money once was a simple matter of completing the paperwork and waiting to see if you qualified. Today, mortgage decisions include a dozen options. Whether you are buying or refinancing a home, the correct choice of a mortgage is as important as the right choice of the property itself. The last person who should make your decisions is the loan officer, whose motives and profit objectives may be in conflict with yours. Like all financial decisions, the best mortgage alternative can be chosen with formulas you have never before been shown. These formulas are the basis for the underlying wisdom of the strategies.

Another great advantage of owning your own business is total control of where your retirement money is invested. Most no-load mutual fund families offer retirement plans for small business owners and self-employed professionals. The use of the Money Movement Strategy in your self-directed retirement plan can earn you over 15% per year, no commissions, and no current taxes. See some advices to learn how to use the Money Movement Strategy in mutual funds. See the Appendix for which mutual funds offer retirement plans to small business owners.

Count the money gone—it is. Every time you make a credit card charge, enter the amount in your checkbook as if you had written a check for the goods or service. Circle the amount of the charged item to differentiate the charge from a purchase by check and enter “C.C.” in the check-number box to indicate a credit card charge. Deduct the amount of the charge from your bank balance. Although the money is still in your account, you have virtually set it aside for payment on your credit card bill when it arrives. At the end of the month, the circled items represent everything you charged on all credit cards. The money has already been deducted from your bank balance and is available for payment.

Think of it. No more statement shock. No more frustrated remarks like, “I couldn’t possibly have charged that much this month.” As you deduct each charge in your checkbook, you will become more aware of what you are really spending. The plastic fantastic has no mercy, but credit cards cannot control your financial life unless you allow them to.