Rick Nathan, who is strictly a consumer advocate, will give you many valuable tips on how to cut costs. To be discussed are ways to save many thousands of dollars by investing on your own with no-load mutual funds, the benefits of credit unions, how to buy used and new cars wisely, reducing your home and car and life insurance , and methods to reduce your school and county taxes on your home.  There are many other ways to save a considerable amount of money, and these will be discussed in detail.  Also, many money saving web sites will be discussed.