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From the July 2004 issue of Money magazine: The editors of Money have compiled the definitive list of all you need to be a better consumer. Read on for the lowdown on shopping, cars, real estate, taxes and more.
Wisdom: 1 - 12
If it sounds too good to be true, it probably is; almost everything is negotiable; more...

Shopping: 13 - 20
How to find the lowest price; how to use your credit card; more...

Cars: 21 - 28
A used car is a better value; the dealer's price; more...

Phones: 29 - 32
Phone companies will do anything for your business; any long-distance plan is better than no plan; more...

Taxes: 33 - 36
A big refund is costly; if you're audited, you must prove your innocence; more...

Home: 37 - 51
What your home is worth; when to choose an adjustable-rate mortgage; more...

Banking: 52 - 56
Where interest rates are heading; how to get free checking; more...

Credit: 57 - 64
Rewards cards don't always pay; how long it will take to pay off your debt; more...

Education: 65 - 68
Colleges take more of your kids' money than yours; aid is first come, first served; more...

Travel: 69 - 80
The best time to find flight deals; when to buy travel insurance; more...

Health care: 81 - 88
How to challenge a claim denial; the difference between an HMO, a PPO and a POS plan; more...

Life insurance: 89 - 91
You'll get the most coverage for the lowest price with term insurance; more...

Technology: 92 - 101
The manufacturer's warranty is all you need; with technology, learn what's worth paying for -- and what isn't; more...

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