Are you ready to buy? Negotiating a deal is part art, part science. The science part you probably already know.

Ready to buy? Here’s the exact moment when you should make your offer

Negotiating a deal is part art, part science.

The science part you probably already know. In the last few weeks, I’ve reviewed the best time to book an airline ticket or buy a car, a house, and a computer, among other things.

But one big question still looms: At what point during the actual negotiation do you pull the trigger? Do it too early and you could overpay. Do it too late and you might miss your opportunity altogether.

Check out these sites for objective travel insurance information

Elaine Karlson is planning a vacation to Cooperstown, N.Y., to visit the National Baseball Hall of Fame and to watch her grandson compete in a baseball game. And she’s worried.

First, there’s the price difference between the refundable airline tickets and the nonrefundable ones — the refundable ones are three times as expensive. There’s also the question of what to do if she and her husband have to cancel.

Instead of paying extra for the less restricted ticket, she’s considering travel insurance.