Dear Dave,My husband and I are looking at getting a second vehicle. We found one we like, and it’s in great shape, but they’re asking more than we can afford to pay. Do you have any suggestions on how to make a low offer without insulting someone?— AngelaDear Angela,This is a really good question, and I think you’re smart to want to stay on the seller’s good side. You want to be classy and diplomatic. Never point out the bad things about an item someone’s selling just to drive down the price. You’re liable to blow the whole deal right off the bat if you insult their merchandise or insinuate the price is unfair.What if you try something like this? Tell them it’s a fine vehicle, and their price is fair, but the amount they’re asking is outside your budget. Let them know you want to work out a deal and, in order for it to fit into your lifestyle, you can only pay a certain amount. You might throw in that a lot of people are selling things right now because of the economy, and you’re just looking for the best deal.Who knows? Maybe that and letting them know you’re standing there with money in hand will help swing this thing in your favor!Creating a no-gossip cultureDear Dave,I have a small business with 17 people in the main office and another 44 mobile techs in the field. We had a merger last year, and although we’ve overcome rivalries and other difficulties, gossip is a huge issue in the office. How can we solve this problem and still maintain morale?— ChadDear Chad,I have a zero-tolerance policy for gossip. Gossip will absolutely destroy an organization, and most places that have gossip running rampant are just cesspools.I can’t imagine wanting to be a part of a situation like that. Gossip is small-minded, and it shuts down everyone involved. The worst gossip of all is when workers gossip about the person who pays them!It’s really simple at my place. My team knows they need to go to someone in leadership if they’ve got a problem or something’s bothering them. They know better than to stand around and complain to the receptionist about something someone in another department did or said. Negatives go up, and positives go down. If you’ve got a problem, you take it to someone who can fix the problem.If I walked into the kind of mess you’re talking about, I’d call a staff meeting, and we’d definitely cut that cancer out. I’d have no problem telling them if they want to keep their jobs they’d better stop the gossip and quit acting like a bunch of teenage drama queens. I’m not talking about being a bully. I’m talking about being clear and blunt about what will and will not be tolerated in your organization.You may have to be a tough guy for a while and fire a few people. That’s OK, because there are lots of folks out there looking for work who can take their places. As a result, you’ll be left with people who want to work there, who want to be responsible, mature team members, and a culture that defends itself against gossip!For more financial help, visit daveramsey.com.