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Articles by Imani Moise
The guy who made a career out of negotiating car prices answers your questions
Imani Moise Tomi Mikula has made a business out of talking down the price of car purchases. After The Wall Street Journal recently profiled the former auto finance manager and his company , readers wrote in with all sorts of questions. We asked him to answer a few—and teach us some dealer jargon along the way. We lightly edited his responses. How big of a discount do you usually ask for at the start of a car negotiation?
The Guy Who Made a Career Out of Negotiating Car Prices Answers Your Questions
This copy is for your personal, non-commercial use only. Distribution and use of this material are governed by our Subscriber Agreement and by copyright law. For non-personal use or to order multiple copies, please contact Dow Jones Reprints at 1-800-843-0008 or visit www.djreprints.com. https://www.wsj.com/personal-finance/the-guy-who-made-a-career-out-of-negotiating-car-prices-answers-your-questions-2b50557d
He earns $1,000 a job—and he's a car dealer's worst nightmare
Imani Moise February was looking like a slow month for car sales, and Tomi Mikula smelled opportunity. Sitting in his Harry Potter-themed office near Charlotte, N.C., he picked up the phone and dialed the first of a long string of calls to car dealers. “Hi, I just want to see if you have a car available,” he said.
He Earns $1,000 a Job—and He’s a Car Dealer’s Worst Nightmare
After more than a decade working at dealerships, Tomi Mikula started a business negotiating car purchases on behalf of buyers. By Imani Moise | Photography by Angela Owens/WSJ February was looking like a slow month for car sales, and Tomi Mikula smelled opportunity. Sitting in his Harry Potter-themed office near Charlotte, N.C., he picked up the phone and dialed the first of a long string of calls to car dealers. “Hi, I just want to see if you have a car available,” he said.
How Robinhood’s New $695-a-Year Credit Card Stacks Up in a Crowded Market
The digital brokerage is hoping to win over super-spenders with its ‘annoyingly heavy,’ Platinum card that is actually platinum Vlad Tenev, CEO of Robinhood, also addressed the total market opportunity for the company in an interview with Barron’s Andy Serwer. This conversation was recorded on Dec. 5, 2024. It is invitation only, made of actual platinum and might weigh more than the rest of your wallet.
How Robinhood’s New $695-a-Year Credit Card Stacks Up in a Crowded Market
This copy is for your personal, non-commercial use only. Distribution and use of this material are governed by our Subscriber Agreement and by copyright law. For non-personal use or to order multiple copies, please contact Dow Jones Reprints at 1-800-843-0008 or visit www.djreprints.com. https://www.wsj.com/finance/investing/how-robinhoods-new-695-a-year-credit-card-stacks-up-in-a-crowded-market-dcd354c6
How Robinhood's new $695-a-year credit card stacks up in a crowded market
Hannah Erin Lang, Imani Moise It is invitation only, made of actual platinum and might weigh more than the rest of your wallet. Robinhood Markets is rolling out a premium credit card with a new generation of big spenders in mind. The new card is part of Robinhood's effort to transform itself from a trading firm with meme-stock origins into a “financial super-app” that offers all kinds of services, from prediction-market bets to retirement accounts.
How Robinhood’s New $695-a-Year Credit Card Stacks Up in a Crowded Market
The digital brokerage is hoping to win over super-spenders with its ‘annoyingly heavy,’ Platinum card that is actually platinum Vlad Tenev, CEO of Robinhood, also addressed the total market opportunity for the company in an interview with Barron’s Andy Serwer. This conversation was recorded on Dec. 5, 2024. It is invitation only, made of actual platinum and might weigh more than the rest of your wallet.
Americans With Higher Incomes Are Starting to Fall Behind on Payments
Rising debt levels and more missed payments pushed a financial stress gauge to its highest level ever As more Americans fall behind on their mortgage and credit-card payments, a new report sheds light on how financial stress is spreading beyond the lowest-income borrowers.
Americans with higher incomes are starting to fall behind on payments
Imani Moise As more Americans fall behind on their mortgage and credit-card payments, a new report sheds light on how financial stress is spreading beyond the lowest-income borrowers. While credit-counseling agencies typically help low-income people restructure their debt and avoid bankruptcy, now people who earn higher incomes have been walking through their doors, according to the National Foundation for Credit Counseling.
The Credit-Card Rate Cap Has Stalled, and Issuers Are Doing Just Fine
The biggest credit-card issuers collected about $146 billion in revenue last year from America’s reliance on debt. The combined results from JPMorgan Chase, American Express, Capital One and Citigroup represent the money machine that could be at risk if the Trump administration continues to push for a federal cap on credit-card interest rates. Credit-card revenue—which includes interest and other fees from consumers and swipe fees collected from merchants—was up 7% in 2025 from a year earlier.
The credit-card rate cap has stalled, and issuers are doing just fine
The biggest credit-card issuers collected about $146 billion in revenue last year from America's reliance on debt. The combined results from JPMorgan Chase, American Express, Capital One and Citigroup represent the money machine that could be at risk if the Trump administration continues to push for a federal cap on credit-card interest rates . Credit-card revenue—which includes interest and other fees from consumers and swipe fees collected from merchants—was up 7% in 2025 from a year earlier.
How to practice the lost art of negotiating the price of a car
A car is one of the few purchases where negotiating is still possible.
How to Practice the Lost Art of Negotiating the Price of a Car
The process can be uncomfortable and interminable—but also lucrative Customers visit a Toyota dealership in Miami. Car prices have soared to record levels. Eva Marie Uzcategui/Bloomberg News A car is one of the few purchases where negotiating is still possible. The problem is people don’t like doing it.
How Trumps cap on credit-card rates would reshape the rewards world
The market for premium cards is already hot. President Trumps call for a temporary cap on credit-card interest rates could make it hotter.In recent years, competition has been intensifying for premium-card customers, who are lucrative because they are willing to pay hefty annual fees and spend a lot, which generates merchant fees for banks.
米銀行口座からベネズエラの個人へ、送金の仕組み
米国とベネズエラの政治的関係は複雑さを増しているが、多くのベネズエラ人にとって、米国にいる友人や親族からの送金を受け取ることはテキストメッセージを送るのと同じくらい簡単だ。 トランプ米政権は先週末、ベネズエラの独裁者ニコラス・マドゥロ氏を拘束し、最近ではベネズエラ政府とつながりのある複数の外国貿易会社や石油タンカーに制裁を科した。だがそれ以前の制限措置でさえ、同国の家庭への資金の流れを妨げることはなかったとアナリストは述べている。 Copyright ©2026 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8
Despite heavy sanctions, payment apps that Americans use also help Venezuelans buy groceries Remittances have been a lifeline for Venezuelans over the past decade, when the economy collapsed. Bloomberg/Bloomberg News Political relations between the U.S. and Venezuela just got more complicated, but for many Venezuelans, getting money from friends and relatives in the U.S. is as easy as sending a text.
How money travels from US bank accounts to Venezuelan households
Political relations between the U.S. and Venezuela just got more complicated, but for many Venezuelans, getting money from friends and relatives in the U.S. is as easy as sending a text.The Trump administration took Venezuelan strongman Nicols Madurointo custody last weekend and recently imposed sanctions on several foreign trading firms and oil tankers with ties to the Venezuelan government.
Silver’s Runaway Rally Sweeps Up Amateur Investors
Metal’s gains this year blew past a 45-year record, easily outpacing gold’s rise Commemorative silver coins including ‘War in the Pacific,’ ‘Apollo Moon Landing’ and ‘Pearl Harbor’ from the collection of Michael DeCrane. Michael DeCrane For about a decade, whenever Jay Moorer wanted to add to his investment portfolio, he opened an app on his phone to buy stocks or cryptocurrencies. Now, he gets in his car.
銀が高騰、個人投資家も殺到
米アリゾナ州在住のジェイ・ムーラーさん（33）は約10年間、投資を増やそうと思ったときは、スマートフォンのアプリを開いて株式や暗号資産（仮想通貨）を購入していた。今は車に乗り込む。 運送業界で管理職を務めるムーラーさんは、2カ月ほど前から地元のコインショップを訪れて現物の銀を購入し始めた。きっかけはユーチューブ動画や銀の価格急騰だ。最初は合計3オンス購入し、約150ドル（約2万3400円）かかった。それ以来、余った資金で約60オンス分の装飾品やコインを集め、自宅の金庫に保管している。 Copyright ©2025 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8
Silvers runaway rally sweeps up amateur investors
For about a decade, whenever Jay Moorer wanted to add to his investment portfolio, he opened an app on his phone to buy stocks or cryptocurrencies. Now, he gets in his car.The 33-year-old Arizona-based trucking manager began visiting local coin shops to buy physical silver about two months ago, inspired by YouTube videos and the surging price of the metal. His initial purchase totaled three ounces, costing roughly $150.
Its time to spend your FSA money before your employer gets whats left
Americans leave more than $4 billion in flexible-spending accounts each year, money that goes straight back to their employers.Medical FSAs let workers set aside up to $3,300 of pretax income this year to pay for out-of-pocket healthcare expenses such as copays, prescriptions and certain medical supplies. Unlike with health savings accounts, which allow unused balances to roll over indefinitely, money left in FSAs is generally forfeited at the end of the year.
New Debit Cards Have an Unexpected Feature: Rewards
Many of the new debit cards come with fees.
Citi’s Premium Card Rollout Was Marred by Errant Approvals
Citibank’s launch of its Strata Elite credit card this summer marked its return to a sizzling-hot premium market. Behind the scenes, the rollout was marred by a headache. To drum up interest in the $595-a-year card, the Citigroup unit offered extra sign-up points for customers who applied through a special link provided in-person at its branches.
Citi’s Premium Card Rollout Was Marred by Errant Approvals
The bank froze accounts after a special sign-up link intended for branch customers was posted online.
Citi’s Messy Premium-Card Rollout Traces Back to a Sign-Up Link
Citibank’s launch of its Strata Elite credit card this summer marked its return to a sizzling-hot premium market. Behind the scenes, the rollout was marred by a headache. To drum up interest in the $595-a-year card, the Citigroup unit offered extra sign-up points for customers who applied through a special link provided in-person at its branches.
AI Trade Splinters As Google Takes On Nvidia
Try GOLD - Free The Wall Street Journal | November 26, 2025 As Alphabet rises and the chip giant falls, Dow gains more than 600 points Alphabet shares climbed after a report on Meta being in talks about using Google chips to run its data centers. RON JENKINS/GETTY IMAGES This story is from the November 26, 2025 edition of The Wall Street Journal. Subscribe to Magzter GOLD to access thousands of curated premium stories, and 10,000+ magazines and newspapers. Already a subscriber? Sign In
エヌビディア支配に挑むグーグル、AIトレードも逆方向
This copy is for your personal, non-commercial use only. Distribution and use of this material are governed by our Subscriber Agreement and by copyright law. For non-personal use or to order multiple copies, please contact Dow Jones Reprints at 1-800-843-0008 or visit www.djreprints.com.
AI trade splinters as Google challenges Nvidia’s dominance
Global Tuesday’s divergence followed news that Meta Platforms is in talks to spend billions of dollars on Google’s AI chips, one of the few alternatives to Nvidia’s. (Bloomberg) Summary Dow industrials add more than 600 points, biggest gain since August. This is a Mint Premium article gifted to you. Subscribe to enjoy similar stories. Investors are sending two leaders of the artificial-intelligence trade in opposite directions.
AI领头羊股价走势分化：谷歌挑战英伟达地位
This copy is for your personal, non-commercial use only. Distribution and use of this material are governed by our Subscriber Agreement and by copyright law. For non-personal use or to order multiple copies, please contact Dow Jones Reprints at 1-800-843-0008 or visit www.djreprints.com.
AI Trade Splinters as Google Challenges Nvidia’s Dominance Original
Investors are sending two leaders of the artificial-intelligence trade in opposite directions. Alphabet GOOGL 1.53 %increase; green up pointing triangle took another step toward $4 trillion in market value on Tuesday, rising more than 1% to extend a monthslong rally fueled by enthusiasm for the Google parent’s AI tools, cloud computing and chip business.
Block to Show Its Version of Credit Scores to Cash App, Afterpay Users Original
The parent company of Cash App and Afterpay plans to make its version of a credit score available to users. Block XYZ -0.08 %decrease; red down pointing triangle says users of the services will soon be able to see the scores it uses internally to decide whether to approve people for its small-scale loans. The company, led by Twitter co-founder Jack Dorsey , has so far kept its growing lending footprint outside the traditional credit-reporting system.
Block to Let Users See Its Credit Scores
Try GOLD - Free The Wall Street Journal | November 20, 2025 The parent company of Cash App and Afterpay plans to make its version of a credit score available to users. Block says users of the services will soon be able to see the scores it uses internally to decide whether to approve people for its small-scale loans. This story is from the November 20, 2025 edition of The Wall Street Journal.
Block to Show Its Version of Credit Scores to CashApp, Afterpay Users
The parent company of Cash App and Afterpay plans to make its version of a credit score available to users. Block XYZ -0.88 %decrease; red down pointing triangle says users of the services will soon be able to see the scores it uses internally to decide whether to approve people for its small-scale loans. The company, led by Twitter co-founder Jack Dorsey , has so far kept its growing lending footprint outside the traditional credit-reporting system.
Using a Credit Card? Prices Could Vary
Try GOLD - Free The Wall Street Journal | November 12, 2025 Visa-MasterCard settlement gives merchants more flexibility on tiered pricing at the register Your favorite latte at the local coffee shop could soon cost $5, $5.10 or $5.25—depending on how you pay. This story is from the November 12, 2025 edition of The Wall Street Journal. Subscribe to Magzter GOLD to access thousands of curated premium stories, and 10,000+ magazines and newspapers. Already a subscriber? Sign In
Using your credit card at the checkout is set to get a lot more complicated
Summary Visa-MasterCard settlement follows long-running legal battle and gives merchants more flexibility on card acceptance. This is a Mint Premium article gifted to you. Subscribe to enjoy similar stories. Your favorite latte at the local coffee shop could soon cost $5, $5.10 or $5.25—depending on how you pay.
Using Your Credit Card at the Checkout Is Set to Get a Lot More Complicated
Using Your Credit Card at the Checkout Is Set to Get a Lot More Complicated
Using Your Credit Card at the Checkout Is Set to Get a Lot More Complicated
Stop saying 'how are you?' and try these greetings instead Here’s what to say to make people feel seen and respected. Every encounter with another person is an opportunity to shape that relationship. The first words out of your mouth are key in establishing the goodwill we all crave. Unfortunately, too often our opening lines damage that rapport. I once had …
Using premium credit-card rewards is becoming a part-time job
Summary When redeeming perks gets more complicated, some consumers give up. Others make spreadsheets. This is a Mint Premium article gifted to you. Subscribe to enjoy similar stories. The real price of a premium credit card isn’t the three-digit annual fee. For some, it’s the hours spent in spreadsheets trying to get their money’s worth. Eric and Charlene May have an arsenal of 14 credit cards for which they pay about $2,600 in annual fees.
Using Premium Credit-Card Rewards Is Becoming a Part-Time Job
For some, it’s the hours spent in spreadsheets trying to get their money’s worth. Eric and Charlene May have an arsenal of 14 credit cards for which they pay about $2,600 in annual fees. “Sometimes it can be a bit of a buzzkill,” said Eric May, a 36-year-old in Columbus, Ohio, who works at a financial-technology company.
What Credit-Card Trends Tell Us About the U.S. Consumer, in Charts
What Credit-Card Trends Tell Us About the U.S. Consumer, in Charts
What Credit-Card Trends Tell Us About the U.S. Consumer, in Charts
There is a trade war, a government shutdown and a sluggish job market, but households are still spending Americans may feel worse about the economy, but they are still wielding their credit cards with confidence. An escalating trade war, a prolonged government shutdown and a stagnant job market have economists and analysts fearing that consumer spending, a central driver of the U.S. economy, might slow down.
美股回落，美中贸易战担忧再现
据报道，特朗普(Trump)政府正考虑限制软件相关产品的对华出口，此举或将令本已动荡的贸易战再度升级。受此消息影响，科技股周三应声下跌。 此前，特朗普政府表示，正在考虑对含有或使用美国软件制造的产品（包括医疗设备、喷气发动机和笔记本电脑）对华出口实施新限制，以报复中国政府最近对稀土出口的限制。在此之前，本月已有一连串的关税威胁和出口管制措施出台，美国总统特朗普警告称，他可能在11月1日之前对中国进口商品征收高达100%的关税。 Copyright ©2025 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8
Stocks Retreat as Trade Fears Resurface
Technology stocks fell on Wednesday after reports that the Trump administration was considering curbs on software-related exports to China, the latest potential escalation of a volatile trade war. The declines came after the Trump administration said it is weighing new restrictions on exports to China of products that contain or were made with U.S. software—including medical devices, jet engines and laptops—in retaliation for Beijing’s recent restrictions on rare-earth shipments.
Stocks Retreat as Trade Fears Resurface
Technology stocks fell on Wednesday after reports that the Trump administration was considering curbs on software-related exports to China, the latest potential escalation of a volatile trade war. The declines came after the Trump administration said it is weighing new restrictions on exports to China of products that contain or were made with U.S. software—including medical devices, jet engines and laptops—in retaliation for Beijing’s recent restrictions on rare-earth shipments.
米地銀巡る懸念、株価圧迫
米国の地方銀行の融資ポートフォリオに予想外の損失が潜んでいる可能性への懸念から、16日の株価と米国債利回りが下落した。 KBWナスダック地方銀行株指数は6％余り下落し、4月の関税による混乱以降で最悪の下げとなった。地銀大手ザイオンズ・バンコープが15日遅く、法的措置に直面している借り手による2件のローンをカバーするため5000万ドル（約75億6000万円）の貸倒償却を計上したと明らかにしたことを受けたもの。またウェスタン・アライアンスは16日、借り手の1社が詐欺行為をしたとして8月にこの企業を相手取り訴訟を起こしたと明らかにした。 Copyright ©2025 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8
Regional Bank Worries Weigh on Stocks
Fears that unexpected losses might be lurking in the loan portfolios of regional banks sent stocks and Treasury yields lower on Thursday. The KBW Nasdaq Regional Banking Index slid more than 6%—its worst day since the April tariff chaos—after Zions Bancorp said late Wednesday that it had taken a $50 million charge-off to cover two loans taken out by borrowers facing legal actions.
Regional Bank Worries Weigh on Stocks
Fears that unexpected losses might be lurking in the loan portfolios of regional banks sent stocks and Treasury yields lower on Thursday. The KBW Nasdaq Regional Banking Index slid more than 6%—its worst day since the April tariff chaos—after Zions Bancorp said late Wednesday that it had taken a $50 million charge-off to cover two loans taken out by borrowers facing legal actions.
They Signed Up for Citi’s New Premium Credit Card. It Turned Into a Nightmare.
When Brad Collett heard about Citi’s new Strata Elite credit card—with perks like airport lounge access and a dedicated service line for top-tier customers—he decided to splurge on his first premium card. The customer-service nightmare that followed convinced him to file his first complaint with federal regulators. Across the country, Citi Strata Elite customers say they have been locked out of their accounts for weeks, unable to make purchases or redeem rewards that cost an annual fee of $595.
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