It’s All Been A Matter Of Price

I think I’ve made it clear that I’ve never been an earner at any point in my working life. I’ve also never been much of an investor either. The human brain, however, has a way of compensating larger in one department as a way of making up for the shortfall in the other department. For example, I can’t earn much money but if I buy something expensive for less (much less) than what it is worth, isn’t that a form of earning more money?

In 1985, I was able to buy a home that was worth $250,000 at the time for only $135,000. Today, that same home is worth $1.25 million dollars. So, by simply adjusting the purchase price, I was able to enjoy a profit better than the person who would have bought the home at the asking price of $250,000. What was my advantage? Listening around, digging deeper into the homeowner’s background and finding out that he was holding three mortgages on the property: #1 was the main mortgage, #2 was an equity line of credit #3 was a refinance to buy/build another home that also had a mortgage on it, making it #4. I calculated as best as I could what was his bottom line (total debt). I came up with $135,000 and that is exactly the amount I offered. “Don’t come back to me and say, 140, 150, 175………my offer is $135K. And it will be cash and we will close quick” was the statement I included with my offer. (the house had been on the market for a few months with two failed offers).

In under two minutes, the real estate agent came back and told me the seller had accepted my offer.

No fooling.

I held onto that home for 16 years and sold it for enough cash equity that I was able to retire at the age of 50 without ever lifting an extra finger, working an extra hour or going without a single thing! I believe that a life well lived is the best revenge. I don’t want to be a millionaire. I just want to live like one.

This tactic has been a part of my life since I was 10 years old. That’s when I attempted to make my first business transaction. My cousin and I wanted a special game so we walked to the neighborhood toy store. The owner had the two games. They were $15 each. I asked the owner (remember, I’m only ten years old) if we bought two, could we get the toy for only $12 each? My cousin tried to pooh-pooh me, but I persisted and we eventually got the toys for less. I knew that the neighborhood store was short on sales. Wasn’t it better to earn $24 rather than $15 or better yet, nothing at all? I knew the shopkeeper would see it my way AND I used my young age as an accelerator. Who could resist the cute, adorable tactics of a 10-year-old little girl?

Maybe when I was young, my subconscious knew I’d never be an earner. So perhaps I started young honing in my purchasing powers. I’ve been like this all my life, for practically every single thing I’ve ever bought. That includes cars, clothes, vacations, food, furniture, equipment, services and anything else that would cost me more than a penny.

Next week my family and I are going to a Broadway show. Don’t let anyone dissuade you. There’s nothing in this world that can equal the professionalism of a New York Broadway show. We’re seeing the Rockettes Christmas Spectacular in Rockefeller Center at Radio City Music Hall. I’ve been going there since I was a little girl. My mom used to take my sister and I and if we arrived before 12 noon time, the entrance fee was only one dollar! Yup, you guessed it. I learned my sharp purchasing ways from my mother (who died a mulit-millionairess). And now, I am in the position to take my own daughters and granddaughters to see this amazing holiday performance.

That doesn’t mean, however, that I will pay full price. If I bought the tickets this week, this is what they would cost:

The tickets are $121 each! A family of five would be $605 (plus tax & fees)

This is what I paid for the same area but a few rows back:

my ticket
At $45 each, a family of five is $225 (plus tax & fees)

And THAT’S the difference between me and everyone else. I didn’t have to wake up early and wait in the cold on any line. I didn’t have to beg or borrow or steal. I don’t have to suffer or go without anything. I just have to be smart enough to know the earlier you buy the less expensive it is. I also have to know which website offers the best deal, has the best codes etc. etc. And why wouldn’t I know these things? It’s because I will not falter, I will not back down, I will not not settle for less. I want the best life possible without suffering. Don’t tell me it’s not possible. Don’t tell me entertainment is entertainment and can be enjoyed at any other venue level. Because it can’t. Don’t tell me I can not have it because that’s a falsehood.

I can get and have whatever it is in life that I truly want.

It’s all a matter of price. Sweet, natural, affordable price!






  1. You go girl!! Enjoy that show with your family and please take pictures to show us those pretty faces . I sense you will be wearing bright red lipstck,I know I would. Boom 💥


    • Hi Ev. I can’t wait to go this year! The girls have come up with a killer last act. I’ve got my trusty iPhone and super zoom lens. Expect lots of pics!


  2. Hi Cindi, I just use your link up above and there is a %50 off three day sale for this Veterans Day weekend performance bringing the first Mezzanine seats down to $55-75 using code WEBNOV at Ticketmaster. .S o if your readers want a good bargain to they can. Sincerely, Lara


  3. You hone some good negotiating skills very young. Awesome research on your Long Island home. Cash was king. Did the home need a lot of work that he let it go so cheaply. We bought in 1978 the sample home in a development and got upgrades and $20,000 off the price paying $45,000 because they were discontinuing the model and a 1/2% discount on the mortgage. Seven years later we sold for $85,000. Sincerely,Lara


    • The home was a spec house but the family lived in it. The only thing we had to do was replace the deck the next year. But over our ownership we updated the kitchen, the bath, put down wood floors, new carpeting. We took our time over 16 years just to keep it modern looking.
      That’s great you doubled your money on your sample home.
      Ah real estate! The good ole days.


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