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	<title>Comments on: Things About People and their Money that Make Me Angry</title>
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	<link>http://www.pfadvice.com/2007/10/12/things-about-people-and-their-money-that-make-me-angry/</link>
	<description>Bridging the gap between saving money and investing</description>
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		<title>By: More Things About People and their Money that Make Me Angry - SavingAdvice.com Blog</title>
		<link>http://www.pfadvice.com/2007/10/12/things-about-people-and-their-money-that-make-me-angry/comment-page-1/#comment-187964</link>
		<dc:creator>More Things About People and their Money that Make Me Angry - SavingAdvice.com Blog</dc:creator>
		<pubDate>Fri, 21 Dec 2007 16:13:07 +0000</pubDate>
		<guid isPermaLink="false">http://www.savingadvice.com/blog/2007/10/12/101821_things-about-people-and-their-money-that-make-me-angry.html#comment-187964</guid>
		<description><![CDATA[[...] not everyone was happy with my list of things about people and their money that make me angry, I find that my list of these things continues to grow. This is a new list gathered from interviews [...]]]></description>
		<content:encoded><![CDATA[<p>[...] not everyone was happy with my list of things about people and their money that make me angry, I find that my list of these things continues to grow. This is a new list gathered from interviews [...]</p>
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		<title>By: not a gator</title>
		<link>http://www.pfadvice.com/2007/10/12/things-about-people-and-their-money-that-make-me-angry/comment-page-1/#comment-144360</link>
		<dc:creator>not a gator</dc:creator>
		<pubDate>Sun, 11 Nov 2007 02:35:42 +0000</pubDate>
		<guid isPermaLink="false">http://www.savingadvice.com/blog/2007/10/12/101821_things-about-people-and-their-money-that-make-me-angry.html#comment-144360</guid>
		<description><![CDATA[@17

yes, I have given low tips too, but I wouldn&#039;t consider it &quot;guilty of&quot;. Usually I tip 20% or more (if it was a small bill, I tip more ... very large bills I&#039;ll make it closer to 15%, as that&#039;s the customary payment ... it&#039;s more about not punishing the wait staff at the cheaper place). However, if the service was really, really bad and I feel like the wait staff was responsible for this (rather than the kitchen), I will tip much less, but I will still pay. In this case I will tip around 10%. After all, I received services ... they just sucked.

@parent post
As for &quot;sale harvesting&quot;, that&#039;s a new one to me, especially as some stores will not give you full price on a return during the sale period. However, I know of a fairly scummy practice that occurred at a retailer that will remain nameless (as some of you will undoubtedly try it!). You buy in bulk on a sale, only to return most of it or all of it without a receipt a week later for store credit. Once you have enough store credit, you buy items you really want (or that you can sell or pawn for cash). 

It&#039;s a pretty simple scam, and it hurts people who need to buy those items at the lower price, but find that they are already out of stock. Basically poor people hurting other poor people. It also hurts the retailer. The store I worked at was operating in the red. 

There are also scams involving rain checks ... 

I guess I don&#039;t know what it&#039;s like to be really, really poor. What do I know, I was just an underpaid grad student with five figures in student debt! No, I didn&#039;t have any kids I couldn&#039;t afford. Don&#039;t cry for me. Gosh, I didn&#039;t have to stoop to scamming retailers to get by. Hmm, no drug habit either! Maybe that was it!

I think that we may be becoming a society where even with good choices moral compromises may become a necessity (the Jean Valjean scenario), but as of a few years ago I would vehemently argue otherwise.]]></description>
		<content:encoded><![CDATA[<p>@17</p>
<p>yes, I have given low tips too, but I wouldn&#8217;t consider it &#8220;guilty of&#8221;. Usually I tip 20% or more (if it was a small bill, I tip more &#8230; very large bills I&#8217;ll make it closer to 15%, as that&#8217;s the customary payment &#8230; it&#8217;s more about not punishing the wait staff at the cheaper place). However, if the service was really, really bad and I feel like the wait staff was responsible for this (rather than the kitchen), I will tip much less, but I will still pay. In this case I will tip around 10%. After all, I received services &#8230; they just sucked.</p>
<p>@parent post<br />
As for &#8220;sale harvesting&#8221;, that&#8217;s a new one to me, especially as some stores will not give you full price on a return during the sale period. However, I know of a fairly scummy practice that occurred at a retailer that will remain nameless (as some of you will undoubtedly try it!). You buy in bulk on a sale, only to return most of it or all of it without a receipt a week later for store credit. Once you have enough store credit, you buy items you really want (or that you can sell or pawn for cash). </p>
<p>It&#8217;s a pretty simple scam, and it hurts people who need to buy those items at the lower price, but find that they are already out of stock. Basically poor people hurting other poor people. It also hurts the retailer. The store I worked at was operating in the red. </p>
<p>There are also scams involving rain checks &#8230; </p>
<p>I guess I don&#8217;t know what it&#8217;s like to be really, really poor. What do I know, I was just an underpaid grad student with five figures in student debt! No, I didn&#8217;t have any kids I couldn&#8217;t afford. Don&#8217;t cry for me. Gosh, I didn&#8217;t have to stoop to scamming retailers to get by. Hmm, no drug habit either! Maybe that was it!</p>
<p>I think that we may be becoming a society where even with good choices moral compromises may become a necessity (the Jean Valjean scenario), but as of a few years ago I would vehemently argue otherwise.</p>
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		<title>By: Publishers Weblog</title>
		<link>http://www.pfadvice.com/2007/10/12/things-about-people-and-their-money-that-make-me-angry/comment-page-1/#comment-132543</link>
		<dc:creator>Publishers Weblog</dc:creator>
		<pubDate>Sat, 27 Oct 2007 14:40:57 +0000</pubDate>
		<guid isPermaLink="false">http://www.savingadvice.com/blog/2007/10/12/101821_things-about-people-and-their-money-that-make-me-angry.html#comment-132543</guid>
		<description><![CDATA[Yeah sale harvesting is a new one for me.Undertipping, I am guilty off, but most of the times I do it when the service hsa been lower standards than usual.]]></description>
		<content:encoded><![CDATA[<p>Yeah sale harvesting is a new one for me.Undertipping, I am guilty off, but most of the times I do it when the service hsa been lower standards than usual.</p>
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		<title>By: widowspeak</title>
		<link>http://www.pfadvice.com/2007/10/12/things-about-people-and-their-money-that-make-me-angry/comment-page-1/#comment-130370</link>
		<dc:creator>widowspeak</dc:creator>
		<pubDate>Mon, 22 Oct 2007 19:09:46 +0000</pubDate>
		<guid isPermaLink="false">http://www.savingadvice.com/blog/2007/10/12/101821_things-about-people-and-their-money-that-make-me-angry.html#comment-130370</guid>
		<description><![CDATA[On the subject of Sale Harvesting:

Some stores actually encourage customers to do this.  I know Circuit City does if their computers are being finicky about giving customers the difference on an item they bought then went on sale within 30 days of purchase.

Heck, a lot of stores are okay with this as long as you aren&#039;t returning it to get a better price *elsewhere*.  With all the cut-throat competition boing around these days, stores are just happy to keep purchases within the company, period.]]></description>
		<content:encoded><![CDATA[<p>On the subject of Sale Harvesting:</p>
<p>Some stores actually encourage customers to do this.  I know Circuit City does if their computers are being finicky about giving customers the difference on an item they bought then went on sale within 30 days of purchase.</p>
<p>Heck, a lot of stores are okay with this as long as you aren&#8217;t returning it to get a better price *elsewhere*.  With all the cut-throat competition boing around these days, stores are just happy to keep purchases within the company, period.</p>
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		<title>By: Shana</title>
		<link>http://www.pfadvice.com/2007/10/12/things-about-people-and-their-money-that-make-me-angry/comment-page-1/#comment-128713</link>
		<dc:creator>Shana</dc:creator>
		<pubDate>Fri, 19 Oct 2007 14:02:40 +0000</pubDate>
		<guid isPermaLink="false">http://www.savingadvice.com/blog/2007/10/12/101821_things-about-people-and-their-money-that-make-me-angry.html#comment-128713</guid>
		<description><![CDATA[I didn&#039;t know there was a name for it but one way to avoid &quot;sale harvesting&quot; without being overcharged is to simply ask the sales person if the item will be going on sale soon.  I did this with my new couch and the sales person gave me the sale price before the couch went on sale the following week.  It saved us both a lot of time and effort.  I&#039;m not saying this will work all the time, but at least it&#039;s worth a shot.]]></description>
		<content:encoded><![CDATA[<p>I didn&#8217;t know there was a name for it but one way to avoid &#8220;sale harvesting&#8221; without being overcharged is to simply ask the sales person if the item will be going on sale soon.  I did this with my new couch and the sales person gave me the sale price before the couch went on sale the following week.  It saved us both a lot of time and effort.  I&#8217;m not saying this will work all the time, but at least it&#8217;s worth a shot.</p>
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		<title>By: Living Off Dividends</title>
		<link>http://www.pfadvice.com/2007/10/12/things-about-people-and-their-money-that-make-me-angry/comment-page-1/#comment-128358</link>
		<dc:creator>Living Off Dividends</dc:creator>
		<pubDate>Thu, 18 Oct 2007 19:04:01 +0000</pubDate>
		<guid isPermaLink="false">http://www.savingadvice.com/blog/2007/10/12/101821_things-about-people-and-their-money-that-make-me-angry.html#comment-128358</guid>
		<description><![CDATA[one of my friends is the ultimate sale-harvester.

he&#039;ll buy things and regularly return them within the return period (usually 90 days) and just buy the same thing again.

And the most annoying part is that he&#039;s single, makes over 100k a year, pays little in taxes but is still as cheap as landfill-dirt.]]></description>
		<content:encoded><![CDATA[<p>one of my friends is the ultimate sale-harvester.</p>
<p>he&#8217;ll buy things and regularly return them within the return period (usually 90 days) and just buy the same thing again.</p>
<p>And the most annoying part is that he&#8217;s single, makes over 100k a year, pays little in taxes but is still as cheap as landfill-dirt.</p>
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		<title>By: MLH</title>
		<link>http://www.pfadvice.com/2007/10/12/things-about-people-and-their-money-that-make-me-angry/comment-page-1/#comment-128244</link>
		<dc:creator>MLH</dc:creator>
		<pubDate>Thu, 18 Oct 2007 13:55:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.savingadvice.com/blog/2007/10/12/101821_things-about-people-and-their-money-that-make-me-angry.html#comment-128244</guid>
		<description><![CDATA[Harvesting seems to have raised the most feathers. It also raises mine.
I live on a very small budget. When I purchase something full price I think I am getting the best price I can find, then to open the Sunday paper and see what I just purchased on sale is a blood boiler.
Even a small amout of savings makes a difference in my monthly budget, and I do take it back. It doesn&#039;t matter if that isn&#039;t the store policy or not, I will do just as U said, return and repurchase at lower price.
I can use that savings just as much as the store can, maybe to purchase something in that store.]]></description>
		<content:encoded><![CDATA[<p>Harvesting seems to have raised the most feathers. It also raises mine.<br />
I live on a very small budget. When I purchase something full price I think I am getting the best price I can find, then to open the Sunday paper and see what I just purchased on sale is a blood boiler.<br />
Even a small amout of savings makes a difference in my monthly budget, and I do take it back. It doesn&#8217;t matter if that isn&#8217;t the store policy or not, I will do just as U said, return and repurchase at lower price.<br />
I can use that savings just as much as the store can, maybe to purchase something in that store.</p>
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		<title>By: Jo</title>
		<link>http://www.pfadvice.com/2007/10/12/things-about-people-and-their-money-that-make-me-angry/comment-page-1/#comment-128203</link>
		<dc:creator>Jo</dc:creator>
		<pubDate>Thu, 18 Oct 2007 12:33:30 +0000</pubDate>
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		<description><![CDATA[Methinks you have way too much time on your hands, since you&#039;re spending it casing out areas where people do these things. 

The lowdown is that if you are going to spend time judging others&#039; actions, I would advise that you look in the mirror first. 

Remember, while pointing the [index] finger at others, three point back at you.]]></description>
		<content:encoded><![CDATA[<p>Methinks you have way too much time on your hands, since you&#8217;re spending it casing out areas where people do these things. </p>
<p>The lowdown is that if you are going to spend time judging others&#8217; actions, I would advise that you look in the mirror first. </p>
<p>Remember, while pointing the [index] finger at others, three point back at you.</p>
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		<title>By: Jack</title>
		<link>http://www.pfadvice.com/2007/10/12/things-about-people-and-their-money-that-make-me-angry/comment-page-1/#comment-128090</link>
		<dc:creator>Jack</dc:creator>
		<pubDate>Thu, 18 Oct 2007 04:29:34 +0000</pubDate>
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		<description><![CDATA[Ann, relax. Life is too short to worry about things you truly have no control of. People may actually have good reasons for doing some of the things you don&#039;&#039;t like.]]></description>
		<content:encoded><![CDATA[<p>Ann, relax. Life is too short to worry about things you truly have no control of. People may actually have good reasons for doing some of the things you don&#8221;t like.</p>
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		<title>By: Amy F.</title>
		<link>http://www.pfadvice.com/2007/10/12/things-about-people-and-their-money-that-make-me-angry/comment-page-1/#comment-127994</link>
		<dc:creator>Amy F.</dc:creator>
		<pubDate>Wed, 17 Oct 2007 21:43:52 +0000</pubDate>
		<guid isPermaLink="false">http://www.savingadvice.com/blog/2007/10/12/101821_things-about-people-and-their-money-that-make-me-angry.html#comment-127994</guid>
		<description><![CDATA[I think that some readers are taking this article much too personally.  We all have money-related pet peeves.  Why not use the comment area to have a productive discussion about our financial pet peeves and what the bigger issues might be that lie behind them?  Improving one&#039;s attitude towards money is a good way to attract more of it into your life and decrease your own negative energy.]]></description>
		<content:encoded><![CDATA[<p>I think that some readers are taking this article much too personally.  We all have money-related pet peeves.  Why not use the comment area to have a productive discussion about our financial pet peeves and what the bigger issues might be that lie behind them?  Improving one&#8217;s attitude towards money is a good way to attract more of it into your life and decrease your own negative energy.</p>
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