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You're absolutely right that it's helpful to have some of your own background knowledge. Example: Most people wouldn't have any idea that paying a 5% sales load on a mutual fund is a poor idea. After all, the broker is showing me that the fund has performed wonderfully, so why not buy it?
I also have a good friend who is a computer programmer so I get him to diagnose and fix my computer and website problems..give him a big Mac and he is happy. Score!!!!!
On the other side of the fence, I am the family computer, TV, stereo, general electronics nerd. Many times, I have saved my family hundreds of dollars by simply opening a computer and blowing dirt out!!! Something so simple to me that they don't understand or won't touch. But give your computer to Best Buy and you've just lost $100+ and who knows if they did it right!!!
Front Brakes:
Mr. Tire - $160
Backyard - $70
Hm, I wonder? :)
Good subject to point out. I'm going to get my brakes done tomorrow, lol. Maybe I should learn? But meh.. what if I screw the caliper up?