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Nidhi is passionate about the capital market and wealth management, which led her to pursue a career as an investment analyst. She holds a bachelor’s degree in finance and marketing and is pursuing the CFA program.

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PHNjcmlwdCB0eXBlPSJ0ZXh0L2phdmFzY3JpcHQiIHNyYz0iaHR0cHM6Ly9zdGF0aWMubXlmaW5hbmNlLmNvbS93aWRnZXQvbXlGaW5hbmNlX3ZpZXdwb3J0X2RldGVjdGlvbi5qcyIgLz48c2NyaXB0IGFzeW5jIHR5cGU9InRleHQvamF2YXNjcmlwdCI+bXlmaVdhdGNoV2lkZ2V0KCdteWZpV2lkZ2V0XzAnKTs8L3NjcmlwdD4=In the current economy, making ends meet is getting more difficult.So, 11 News is getting the facts on what consumers can do when it comes to traveling, buying a car, joining a gym, searching for jobs and even learning the best skin-care routines for the summer.Mike Rumple, founder of Your Car Buying Advocate, shares his top five tips of what not to do when buying a car.Don’t negotiate the price at the car dealership “Buying a vehicle really is a game, and if you want to get the best deal, you’re going to want to contact multiple different dealerships and have them compete against the price,” Rumple said. “If you do it at the dealership, imagine how much time you’re going to be spending there. And, what are the odds you’re going to spend another few hours at another dealership? So, you should negotiate over the phone.” Don’t talk too much “I was told, in any negotiation, whoever talks the most normally loses,” Rumple said. Ever wonder why you’re bombarded by so many questions when you go to buy a car? Rumple said not to give away too much information. “My idea is to kind of play dumb and get them to give you information; don’t give them too much information,” Rumple said. Don’t deal with just one dealership “This kind of goes back to the first one about not negotiating at the dealership: The only way for a consumer to know whether or not they got an awesome deal is they have to contact multiple different dealerships. It’s the reason why when they end up buying a vehicle, as soon as they leave, they feel like they got ripped off. That’s because you only contacted one dealership,” Rumple said.Don’t accept dealer financing without doing this firstRumple said not to accept dealership financing without first being preapproved at other banks and credit unions. “I say that because — just like on the sale price and just like everything else on our last tip — you have to make them compete for your business (because) 2% on $20,000 is more than $1,000 over the course of the loan. So, you need to know what rate you should be getting approved for to save the most amount of money,” Rumple said.Don’t trust the online ticket price”When you’re searching online, you have to understand, all the free sites where you’re searching online, you are the product of those sites, you are not the customer. So, a lot of the prices you see online are the bait price just to get you to come into the dealership,” Rumple said.| ROSSEN REPORTS: Why car prices are still so highHearst Television participates in various affiliate marketing programs, which means we may get paid commissions on editorially chosen products purchased through our links to retailer sites. This may influence which products we write about and where those products appear on the site, but it does not affect our recommendations or advice, which are grounded in research.Editorial Disclosure: All articles are prepared by editorial staff and contributors. Opinions expressed therein are solely those of the editorial team and have not been reviewed or approved by any advertiser. The information, including rates and fees, presented in this article is accurate as of the date of the publish. Check the lender’s website for the most current information.

BALTIMORE —

In the current economy, making ends meet is getting more difficult.

So, 11 News is getting the facts on what consumers can do when it comes to traveling, buying a car, joining a gym, searching for jobs and even learning the best skin-care routines for the summer.

Mike Rumple, founder of Your Car Buying Advocate, shares his top five tips of what not to do when buying a car.

Don’t negotiate the price at the car dealership

“Buying a vehicle really is a game, and if you want to get the best deal, you’re going to want to contact multiple different dealerships and have them compete against the price,” Rumple said. “If you do it at the dealership, imagine how much time you’re going to be spending there. And, what are the odds you’re going to spend another few hours at another dealership? So, you should negotiate over the phone.”

Don’t talk too much

“I was told, in any negotiation, whoever talks the most normally loses,” Rumple said.

Ever wonder why you’re bombarded by so many questions when you go to buy a car? Rumple said not to give away too much information.

“My idea is to kind of play dumb and get them to give you information; don’t give them too much information,” Rumple said.

Don’t deal with just one dealership

“This kind of goes back to the first one about not negotiating at the dealership: The only way for a consumer to know whether or not they got an awesome deal is they have to contact multiple different dealerships. It’s the reason why when they end up buying a vehicle, as soon as they leave, they feel like they got ripped off. That’s because you only contacted one dealership,” Rumple said.

Don’t accept dealer financing without doing this first

Rumple said not to accept dealership financing without first being preapproved at other banks and credit unions.

“I say that because — just like on the sale price and just like everything else on our last tip — you have to make them compete for your business (because) 2% on $20,000 is more than $1,000 over the course of the loan. So, you need to know what rate you should be getting approved for to save the most amount of money,” Rumple said.

Don’t trust the online ticket price

“When you’re searching online, you have to understand, all the free sites where you’re searching online, you are the product of those sites, you are not the customer. So, a lot of the prices you see online are the bait price just to get you to come into the dealership,” Rumple said.

| ROSSEN REPORTS: Why car prices are still so high

Hearst Television participates in various affiliate marketing programs, which means we may get paid commissions on editorially chosen products purchased through our links to retailer sites. This may influence which products we write about and where those products appear on the site, but it does not affect our recommendations or advice, which are grounded in research.