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	<title>Comments on: Reader Story: Fight for Your Finances</title>
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	<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/</link>
	<description>Common sense advice on money saving tips, how to get out of debt, high interest savings accounts, cd rates, money market accounts, mortgage rates, money management and more.</description>
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		<title>By: lisa</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1335982</link>
		<dc:creator>lisa</dc:creator>
		<pubDate>Wed, 13 Apr 2011 02:26:46 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1335982</guid>
		<description>We tried negotiating with the cable company for several years regarding their &quot;NFL channel.&quot; My husband wants to watch football and his team doesn&#039;t play much on regular tv. So, he pays for the NFL channel. Until they increased the price to $300 !!  We have called and asked about reducing the price and are told that new customers pay $199. But we&#039;ve been cable customers for 10 years. Can&#039;t we have that price? They tell us they will do that for us. So, we are happy. Unfortunately, they never initiate the channel and so, we end up not getting what they promised. The good news is that they didn&#039;t charge us for it either. My husband gets upset when they don&#039;t provide the channel after a verbal agreement but I look at it differently. We just saved $200-$300.</description>
		<content:encoded><![CDATA[<p>We tried negotiating with the cable company for several years regarding their &#8220;NFL channel.&#8221; My husband wants to watch football and his team doesn&#8217;t play much on regular tv. So, he pays for the NFL channel. Until they increased the price to $300 !!  We have called and asked about reducing the price and are told that new customers pay $199. But we&#8217;ve been cable customers for 10 years. Can&#8217;t we have that price? They tell us they will do that for us. So, we are happy. Unfortunately, they never initiate the channel and so, we end up not getting what they promised. The good news is that they didn&#8217;t charge us for it either. My husband gets upset when they don&#8217;t provide the channel after a verbal agreement but I look at it differently. We just saved $200-$300.</p>
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		<title>By: Jaime B</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1335442</link>
		<dc:creator>Jaime B</dc:creator>
		<pubDate>Tue, 12 Apr 2011 20:44:17 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1335442</guid>
		<description>Whoops, I need to clarify. I&#039;m advocating telling his landlords (whoever that may be) that their actions justify a reduction in rent. That putting a price or number on it, makes it more real and shows them that you&#039;re serious about your complaints. This is what I meant by not a threat - you&#039;re not doing it yet, rather opening negotiations for a satisfactory outcome. Maybe you&#039;d be willing to put up with the lack of repairs if the rent were cheaper and you can point that number out to them, or for recompense for the months of inconvenience you&#039;ve had to put up with until the repairs are made.

Sorry about that - definitely needed clarification.

I agree, withholding rent can land you in a lot of trouble and they can trash your credit even if you&#039;re completely in the right.</description>
		<content:encoded><![CDATA[<p>Whoops, I need to clarify. I&#8217;m advocating telling his landlords (whoever that may be) that their actions justify a reduction in rent. That putting a price or number on it, makes it more real and shows them that you&#8217;re serious about your complaints. This is what I meant by not a threat &#8211; you&#8217;re not doing it yet, rather opening negotiations for a satisfactory outcome. Maybe you&#8217;d be willing to put up with the lack of repairs if the rent were cheaper and you can point that number out to them, or for recompense for the months of inconvenience you&#8217;ve had to put up with until the repairs are made.</p>
<p>Sorry about that &#8211; definitely needed clarification.</p>
<p>I agree, withholding rent can land you in a lot of trouble and they can trash your credit even if you&#8217;re completely in the right.</p>
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		<title>By: Luke</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1334652</link>
		<dc:creator>Luke</dc:creator>
		<pubDate>Tue, 12 Apr 2011 11:13:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1334652</guid>
		<description>It&#039;s per week, he added this in a follow up comment.</description>
		<content:encoded><![CDATA[<p>It&#8217;s per week, he added this in a follow up comment.</p>
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		<title>By: Dee</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1333832</link>
		<dc:creator>Dee</dc:creator>
		<pubDate>Tue, 12 Apr 2011 01:43:52 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1333832</guid>
		<description>That was dishonest and you should have notified them of the problem.

If you had overpaid your bill, and the company noticed but said &quot;Oh well, that&#039;s her problem&quot; I&#039;m sure you&#039;d be upset, right?</description>
		<content:encoded><![CDATA[<p>That was dishonest and you should have notified them of the problem.</p>
<p>If you had overpaid your bill, and the company noticed but said &#8220;Oh well, that&#8217;s her problem&#8221; I&#8217;m sure you&#8217;d be upset, right?</p>
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		<title>By: Rosa Rugosa</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1333692</link>
		<dc:creator>Rosa Rugosa</dc:creator>
		<pubDate>Mon, 11 Apr 2011 23:46:40 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1333692</guid>
		<description>I&#039;ve gotten items replaced after the warranty period expired by telling the company with true conviction that 90 days (or whatever) was not a reasonable lifespan for that product category.  In one case it was an electric fan, which should have lasted some years, and in another case it was a set of high-end hand clippers for the garden.  The fan wasn&#039;t terribly cheap, and the clippers were quite expensive.  Neither item was priced to be a disposable, so there was no way I was willing to accept such short usable lives for the products.</description>
		<content:encoded><![CDATA[<p>I&#8217;ve gotten items replaced after the warranty period expired by telling the company with true conviction that 90 days (or whatever) was not a reasonable lifespan for that product category.  In one case it was an electric fan, which should have lasted some years, and in another case it was a set of high-end hand clippers for the garden.  The fan wasn&#8217;t terribly cheap, and the clippers were quite expensive.  Neither item was priced to be a disposable, so there was no way I was willing to accept such short usable lives for the products.</p>
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		<title>By: Leah</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1333062</link>
		<dc:creator>Leah</dc:creator>
		<pubDate>Mon, 11 Apr 2011 18:26:35 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1333062</guid>
		<description>That would have been nice, but I had moved out of state at that point.  The cost to travel back would have been significantly more than $40.  I&#039;m just happy I got the initial money out of them, and I&#039;m ticked at many parties.  Most of all, mad at my former landlord.  He required verification of electric into my name for me to move in, but he obviously didn&#039;t worry about it with the next tenants.</description>
		<content:encoded><![CDATA[<p>That would have been nice, but I had moved out of state at that point.  The cost to travel back would have been significantly more than $40.  I&#8217;m just happy I got the initial money out of them, and I&#8217;m ticked at many parties.  Most of all, mad at my former landlord.  He required verification of electric into my name for me to move in, but he obviously didn&#8217;t worry about it with the next tenants.</p>
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		<title>By: Brenton</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1332992</link>
		<dc:creator>Brenton</dc:creator>
		<pubDate>Mon, 11 Apr 2011 17:57:06 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1332992</guid>
		<description>Unadvertised discounts, negotiating for basic services, and everything other than simply getting refunds for bad service or defective products is actually *not* a good thing. Price obuscation is the biggest obstacle toward an ideal free market system. If companies wont give you their best price up front, it makes it difficult or even impossible for a normal person to compare the price many different companies offer. 

Case is in point is television service. Direct TV, Dish Network, and the local cable company all offer introductory rates, long term contracts with the ability to raise rates without notice, discounts for anyone brave enough to ask/threaten, etc... All of this obfuscates the actual real price of a month of television service. This causes all but the most dilligent consumers(and we here at GRS *are* the most dilligent consumers) to be unable or unwilling to get a true comparison. 

So as a whole we lose, even if a small handful of people win at the rest&#039;s expense. 

PS: Until things change, you should still negotiate without feeling bad. No sense in becoming part of the illiterate majority.</description>
		<content:encoded><![CDATA[<p>Unadvertised discounts, negotiating for basic services, and everything other than simply getting refunds for bad service or defective products is actually *not* a good thing. Price obuscation is the biggest obstacle toward an ideal free market system. If companies wont give you their best price up front, it makes it difficult or even impossible for a normal person to compare the price many different companies offer. </p>
<p>Case is in point is television service. Direct TV, Dish Network, and the local cable company all offer introductory rates, long term contracts with the ability to raise rates without notice, discounts for anyone brave enough to ask/threaten, etc&#8230; All of this obfuscates the actual real price of a month of television service. This causes all but the most dilligent consumers(and we here at GRS *are* the most dilligent consumers) to be unable or unwilling to get a true comparison. </p>
<p>So as a whole we lose, even if a small handful of people win at the rest&#8217;s expense. </p>
<p>PS: Until things change, you should still negotiate without feeling bad. No sense in becoming part of the illiterate majority.</p>
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		<title>By: David S</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1332882</link>
		<dc:creator>David S</dc:creator>
		<pubDate>Mon, 11 Apr 2011 17:04:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1332882</guid>
		<description>Just today was our annual call the internet/phone company to extend the promotional rate and get discounts for the coming year. And guess what, they not only extended it, but lowered the monthly bill by another $10. 15 mins for $120 in annual savings.</description>
		<content:encoded><![CDATA[<p>Just today was our annual call the internet/phone company to extend the promotional rate and get discounts for the coming year. And guess what, they not only extended it, but lowered the monthly bill by another $10. 15 mins for $120 in annual savings.</p>
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		<title>By: Des</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1332822</link>
		<dc:creator>Des</dc:creator>
		<pubDate>Mon, 11 Apr 2011 16:54:23 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1332822</guid>
		<description>I would also add that, yes, I very well might turn down a $300 an hour job, depending on what it was. Some very good salespeople make money like that, also CEOs, but both of those jobs sound miserable to me and would not be worth even $300 an hour. Money isn&#039;t everything.</description>
		<content:encoded><![CDATA[<p>I would also add that, yes, I very well might turn down a $300 an hour job, depending on what it was. Some very good salespeople make money like that, also CEOs, but both of those jobs sound miserable to me and would not be worth even $300 an hour. Money isn&#8217;t everything.</p>
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		<title>By: chacha1</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1332712</link>
		<dc:creator>chacha1</dc:creator>
		<pubDate>Mon, 11 Apr 2011 16:28:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1332712</guid>
		<description>I&#039;m a longtime renter in an old (1950s) building where people tend to stay a long time.  It&#039;s in an expensive neighborhood and rents are high.

A couple of years ago we had issues with the building&#039;s central A/C unit.  Like, every time there was a heatwave, the unit crapped out. After two repetitions of this, there was some rage.

The third time it happened, several of the tenants went to hotels when the internal temps topped 85 degrees ... and reduced their rents by the amount they had to pay for their hotel rooms.  They posted a notice in the elevator stating what they were doing, which is how I know.  :-) I don&#039;t know if it was actually *legal* but the landlord clearly didn&#039;t want to fight with a bunch of lawyers, doctors, and bankers about a few thousand dollars.

And not long after that, the central unit was replaced.</description>
		<content:encoded><![CDATA[<p>I&#8217;m a longtime renter in an old (1950s) building where people tend to stay a long time.  It&#8217;s in an expensive neighborhood and rents are high.</p>
<p>A couple of years ago we had issues with the building&#8217;s central A/C unit.  Like, every time there was a heatwave, the unit crapped out. After two repetitions of this, there was some rage.</p>
<p>The third time it happened, several of the tenants went to hotels when the internal temps topped 85 degrees &#8230; and reduced their rents by the amount they had to pay for their hotel rooms.  They posted a notice in the elevator stating what they were doing, which is how I know.  <img src='http://www.getrichslowly.org/blog/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' />  I don&#8217;t know if it was actually *legal* but the landlord clearly didn&#8217;t want to fight with a bunch of lawyers, doctors, and bankers about a few thousand dollars.</p>
<p>And not long after that, the central unit was replaced.</p>
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		<title>By: Ru</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1332612</link>
		<dc:creator>Ru</dc:creator>
		<pubDate>Mon, 11 Apr 2011 15:50:45 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1332612</guid>
		<description>Sorry, I missed out a vital word there: it&#039;s £150 a WEEK. Yes that does include water and electric, but I had to buy internet from their provider for £20 a month. Okay, so it&#039;s a central London address (SE1 postcode), but it&#039;s not even that close to my university!

I would have left in the first term and tried to find somewhere else, but the company locks you in with a contract. You can&#039;t leave until the end of the year without finding someone else to take your place in your room. It&#039;s a horrible system designed to take advantage of students who don&#039;t have time to shop around for somewhere to live before term starts. I&#039;ve only got 1 term left, and I&#039;m definitely NOT going to be living in halls next year.

The problem is my university doesn&#039;t own the housing, all the halls they have for their students are managed by private companies. Private companies are money grabbing and don&#039;t care about students. That&#039;s not to say that student housing run by the university would be immaculate, but it would probably be subsidised.

As for the train problem, thanks for the advice, I&#039;m going to try and contact them through the post.

Thanks for all the advice everyone :)</description>
		<content:encoded><![CDATA[<p>Sorry, I missed out a vital word there: it&#8217;s £150 a WEEK. Yes that does include water and electric, but I had to buy internet from their provider for £20 a month. Okay, so it&#8217;s a central London address (SE1 postcode), but it&#8217;s not even that close to my university!</p>
<p>I would have left in the first term and tried to find somewhere else, but the company locks you in with a contract. You can&#8217;t leave until the end of the year without finding someone else to take your place in your room. It&#8217;s a horrible system designed to take advantage of students who don&#8217;t have time to shop around for somewhere to live before term starts. I&#8217;ve only got 1 term left, and I&#8217;m definitely NOT going to be living in halls next year.</p>
<p>The problem is my university doesn&#8217;t own the housing, all the halls they have for their students are managed by private companies. Private companies are money grabbing and don&#8217;t care about students. That&#8217;s not to say that student housing run by the university would be immaculate, but it would probably be subsidised.</p>
<p>As for the train problem, thanks for the advice, I&#8217;m going to try and contact them through the post.</p>
<p>Thanks for all the advice everyone <img src='http://www.getrichslowly.org/blog/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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		<title>By: Kevin M</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1332572</link>
		<dc:creator>Kevin M</dc:creator>
		<pubDate>Mon, 11 Apr 2011 15:37:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1332572</guid>
		<description>I had a similar issue with AT&amp;T. I called to switch to DSL only (no land line) on 11/1 and it took until the most recent bill (dated 3/22) for them to apply the correct monthly rate the rep promised me...almost 5 months later. In between there were a few phone calls, lots of emails and a couple threats to cancel. All that work for the rate I was promised originally. I&#039;ll think twice before renewing with them for another year.</description>
		<content:encoded><![CDATA[<p>I had a similar issue with AT&amp;T. I called to switch to DSL only (no land line) on 11/1 and it took until the most recent bill (dated 3/22) for them to apply the correct monthly rate the rep promised me&#8230;almost 5 months later. In between there were a few phone calls, lots of emails and a couple threats to cancel. All that work for the rate I was promised originally. I&#8217;ll think twice before renewing with them for another year.</p>
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		<title>By: Clint</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1332282</link>
		<dc:creator>Clint</dc:creator>
		<pubDate>Mon, 11 Apr 2011 14:32:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1332282</guid>
		<description>I&#039;d suggest you check out your satellite options before calling. You&#039;ll get a promotional rate that you can go back to the cable company with, let them know you&#039;re switching, and they&#039;ll match it or better.</description>
		<content:encoded><![CDATA[<p>I&#8217;d suggest you check out your satellite options before calling. You&#8217;ll get a promotional rate that you can go back to the cable company with, let them know you&#8217;re switching, and they&#8217;ll match it or better.</p>
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		<title>By: Anonymous</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1332232</link>
		<dc:creator>Anonymous</dc:creator>
		<pubDate>Mon, 11 Apr 2011 14:09:43 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1332232</guid>
		<description>What?? You don&#039;t have to read this, you can just think about it. It all depends on your flexibility and the value and frequency of the coins around you. When I was in Russia, I realized that it didn&#039;t make sense for *anyone* to pick up kopeks.</description>
		<content:encoded><![CDATA[<p>What?? You don&#8217;t have to read this, you can just think about it. It all depends on your flexibility and the value and frequency of the coins around you. When I was in Russia, I realized that it didn&#8217;t make sense for *anyone* to pick up kopeks.</p>
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		<title>By: Anton Roder</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1332222</link>
		<dc:creator>Anton Roder</dc:creator>
		<pubDate>Mon, 11 Apr 2011 13:52:01 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1332222</guid>
		<description>I agree here.  I had an incident where for whatever bizarre reason I got a significant amount of change more than I should have.  I went back to the store and gave the overpayment back. The cashier was very appreciative.  The main reason I did this was because I had been a cashier before and I could just imagine what it would have been like if I had been that amount short at my cash-up. Your &quot;good fortune&quot; could very well be jeapordising someone&#039;s job.</description>
		<content:encoded><![CDATA[<p>I agree here.  I had an incident where for whatever bizarre reason I got a significant amount of change more than I should have.  I went back to the store and gave the overpayment back. The cashier was very appreciative.  The main reason I did this was because I had been a cashier before and I could just imagine what it would have been like if I had been that amount short at my cash-up. Your &#8220;good fortune&#8221; could very well be jeapordising someone&#8217;s job.</p>
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		<title>By: Anton Roder</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1332212</link>
		<dc:creator>Anton Roder</dc:creator>
		<pubDate>Mon, 11 Apr 2011 13:45:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1332212</guid>
		<description>When I bought my engagement ring I learnt this lesson.  I was talking to my dad about it and so he picks up the phone and phones the store owner. (And we&#039;re not talking a cheap jewellery store here)

It just so happens my dad bought a pair of earrings a few months back and after explaining what a good customer he is, my dad got a 20% discount.</description>
		<content:encoded><![CDATA[<p>When I bought my engagement ring I learnt this lesson.  I was talking to my dad about it and so he picks up the phone and phones the store owner. (And we&#8217;re not talking a cheap jewellery store here)</p>
<p>It just so happens my dad bought a pair of earrings a few months back and after explaining what a good customer he is, my dad got a 20% discount.</p>
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		<title>By: Anton Roder</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1332202</link>
		<dc:creator>Anton Roder</dc:creator>
		<pubDate>Mon, 11 Apr 2011 13:40:01 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1332202</guid>
		<description>Yes, I must agree.  Small claims court is a very underutilized resource.  Make sure you have documentary proof, however. Bills, statements, etc.  In most places that have a small claims equavalent you can represent yourself (or you may even not be allowed to use a lawyer and have to represent yourself)</description>
		<content:encoded><![CDATA[<p>Yes, I must agree.  Small claims court is a very underutilized resource.  Make sure you have documentary proof, however. Bills, statements, etc.  In most places that have a small claims equavalent you can represent yourself (or you may even not be allowed to use a lawyer and have to represent yourself)</p>
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		<title>By: Sarah</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1332092</link>
		<dc:creator>Sarah</dc:creator>
		<pubDate>Mon, 11 Apr 2011 12:22:55 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1332092</guid>
		<description>Hey! Ontario resident here ... I just went through a &quot;I&#039;m paying too much&quot; convo with Rogers - here&#039;s the summary in case you&#039;re with them, it could help!
Call in, and ask for the customer retention department &lt;- that&#039;s the only department who can do anything for you (deal wise), if they are reluctant, all you have to say is &quot;Well, I&#039;m planning on canceling my service&quot;, that will get you through immediately.
Tell retention that you heard about the promotion for new customers, where if they trade in their bell satellite they get a rogers HD cable box free for a year.
Explain that you&#039;ve been a customer for &#039;x&#039; years, paying on time, and expect to be treated as well as a new customer.

Bingo, I got my cable box free for a year at that point, took about 30min, but I didn&#039;t raise my voice, it was all very civilized :)

Hope that&#039;s helpful :)</description>
		<content:encoded><![CDATA[<p>Hey! Ontario resident here &#8230; I just went through a &#8220;I&#8217;m paying too much&#8221; convo with Rogers &#8211; here&#8217;s the summary in case you&#8217;re with them, it could help!<br />
Call in, and ask for the customer retention department &lt;- that&#039;s the only department who can do anything for you (deal wise), if they are reluctant, all you have to say is &quot;Well, I&#039;m planning on canceling my service&quot;, that will get you through immediately.<br />
Tell retention that you heard about the promotion for new customers, where if they trade in their bell satellite they get a rogers HD cable box free for a year.<br />
Explain that you&#039;ve been a customer for &#039;x&#039; years, paying on time, and expect to be treated as well as a new customer.</p>
<p>Bingo, I got my cable box free for a year at that point, took about 30min, but I didn&#039;t raise my voice, it was all very civilized <img src='http://www.getrichslowly.org/blog/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
<p>Hope that&#039;s helpful <img src='http://www.getrichslowly.org/blog/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
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		<title>By: Nicole</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1332082</link>
		<dc:creator>Nicole</dc:creator>
		<pubDate>Mon, 11 Apr 2011 12:20:27 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1332082</guid>
		<description>I read somewhere that the most efficient use of your time is picking up a coin you see on the street.</description>
		<content:encoded><![CDATA[<p>I read somewhere that the most efficient use of your time is picking up a coin you see on the street.</p>
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		<title>By: Bogey@BackNineFinance</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1332042</link>
		<dc:creator>Bogey@BackNineFinance</dc:creator>
		<pubDate>Mon, 11 Apr 2011 12:02:10 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1332042</guid>
		<description>&quot;But think about this: A five-minute phone call that results in just $25 back in your pocket means you just earned $300/hour. Would you turn down a job that pays $300/hour?&quot;

NOt to be nitpicky, but this is not earning $300 per hour. It&#039;s earning $25 in 5 minutes. Unless you can repeat this 12 times per hour, over and over, you&#039;re not really earning $300 per hour. 

Not to say doing these things isn&#039;t worthwhile. You&#039;ve certainly demonstrated that it is. But usually after getting a couple good pops of savings, it&#039;s pretty much done. It&#039;s not like you can keep doing these things all day every day to make/save money.</description>
		<content:encoded><![CDATA[<p>&#8220;But think about this: A five-minute phone call that results in just $25 back in your pocket means you just earned $300/hour. Would you turn down a job that pays $300/hour?&#8221;</p>
<p>NOt to be nitpicky, but this is not earning $300 per hour. It&#8217;s earning $25 in 5 minutes. Unless you can repeat this 12 times per hour, over and over, you&#8217;re not really earning $300 per hour. </p>
<p>Not to say doing these things isn&#8217;t worthwhile. You&#8217;ve certainly demonstrated that it is. But usually after getting a couple good pops of savings, it&#8217;s pretty much done. It&#8217;s not like you can keep doing these things all day every day to make/save money.</p>
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		<title>By: Lindsay</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1332012</link>
		<dc:creator>Lindsay</dc:creator>
		<pubDate>Mon, 11 Apr 2011 11:43:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1332012</guid>
		<description>I must be doing something dreadfully wrong. I have never EVER had a customer service phone call take five minutes! I don&#039;t think I&#039;ve ever even gotten off hold in five minutes! It&#039;s rare that I spend less than an hour on a call, and even then, I end up with maybe a $15 adjustment. I wouldn&#039;t turn down a $300/hour job, but I would turn down a $15/hour job if the job was waiting on hold for 40 minutes only to talk to people who couldn&#039;t or wouldn&#039;t help me once every 8-10 minutes! That sounds miserable! I&#039;m willing to pay someone $15 not to have to deal with customer service.

Maybe the deeper problem is that my customer service calls are always with either AT&amp;T or DirecTV (on an account I was supposed to be removed from over a year ago).

If it really worked out to $25 in five minutes, you&#039;d be on to something, but when it&#039;s $15/hour, forget about it.</description>
		<content:encoded><![CDATA[<p>I must be doing something dreadfully wrong. I have never EVER had a customer service phone call take five minutes! I don&#8217;t think I&#8217;ve ever even gotten off hold in five minutes! It&#8217;s rare that I spend less than an hour on a call, and even then, I end up with maybe a $15 adjustment. I wouldn&#8217;t turn down a $300/hour job, but I would turn down a $15/hour job if the job was waiting on hold for 40 minutes only to talk to people who couldn&#8217;t or wouldn&#8217;t help me once every 8-10 minutes! That sounds miserable! I&#8217;m willing to pay someone $15 not to have to deal with customer service.</p>
<p>Maybe the deeper problem is that my customer service calls are always with either AT&amp;T or DirecTV (on an account I was supposed to be removed from over a year ago).</p>
<p>If it really worked out to $25 in five minutes, you&#8217;d be on to something, but when it&#8217;s $15/hour, forget about it.</p>
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		<title>By: Elizabeth</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1331992</link>
		<dc:creator>Elizabeth</dc:creator>
		<pubDate>Mon, 11 Apr 2011 11:37:06 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1331992</guid>
		<description>Agreed! Though I&#039;m always surprised at the reaction I get when I do. I don&#039;t want praise -- just to do the right thing. What goes around, comes around.</description>
		<content:encoded><![CDATA[<p>Agreed! Though I&#8217;m always surprised at the reaction I get when I do. I don&#8217;t want praise &#8212; just to do the right thing. What goes around, comes around.</p>
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		<title>By: SF_UK</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1331772</link>
		<dc:creator>SF_UK</dc:creator>
		<pubDate>Mon, 11 Apr 2011 07:50:29 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1331772</guid>
		<description>Withholding rent is usually a very bad idea, especially in student housing (it can count as a &quot;debt to the university&quot; and prevent you graduating or get you into other academic hot water).  I would go further up the management chain though.

Having said that, £150 is very cheap, and you do get what you pay for.  I&#039;m assuming this is pcm.  Most student rooms I lived in were at least 3 times that (for a medium sized room with a shared kitchen, and some of them not very nice).  In my college, even the &quot;budget&quot; rooms were more than that, and they were literally big enough for a bed, a small wardrobe and a shelf.  No desk, no chair.  If you&#039;re paying £150pcm, you may just have to accept that you&#039;ve got cheap rent for a cheap room.  If it&#039;s £150pw, that&#039;s a different matter.</description>
		<content:encoded><![CDATA[<p>Withholding rent is usually a very bad idea, especially in student housing (it can count as a &#8220;debt to the university&#8221; and prevent you graduating or get you into other academic hot water).  I would go further up the management chain though.</p>
<p>Having said that, £150 is very cheap, and you do get what you pay for.  I&#8217;m assuming this is pcm.  Most student rooms I lived in were at least 3 times that (for a medium sized room with a shared kitchen, and some of them not very nice).  In my college, even the &#8220;budget&#8221; rooms were more than that, and they were literally big enough for a bed, a small wardrobe and a shelf.  No desk, no chair.  If you&#8217;re paying £150pcm, you may just have to accept that you&#8217;ve got cheap rent for a cheap room.  If it&#8217;s £150pw, that&#8217;s a different matter.</p>
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		<title>By: Maria</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1331682</link>
		<dc:creator>Maria</dc:creator>
		<pubDate>Mon, 11 Apr 2011 05:54:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1331682</guid>
		<description>&gt;I wonder how many people take action when they are UNDERcharged for a good or service.
I found that I always feel better when am being fair. So unless it&#039;s totally impossible (like realizing the mistakes when I&#039;m 1000 miles away already) I take action when I&#039;m undercharged and take action when I&#039;m overcharged. In my experience when I&#039;m reporting undercharging, the store owners/workers are thankful about it, and their smiles make me happy as well.</description>
		<content:encoded><![CDATA[<p>&gt;I wonder how many people take action when they are UNDERcharged for a good or service.<br />
I found that I always feel better when am being fair. So unless it&#8217;s totally impossible (like realizing the mistakes when I&#8217;m 1000 miles away already) I take action when I&#8217;m undercharged and take action when I&#8217;m overcharged. In my experience when I&#8217;m reporting undercharging, the store owners/workers are thankful about it, and their smiles make me happy as well.</p>
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		<title>By: Mike B.</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1331492</link>
		<dc:creator>Mike B.</dc:creator>
		<pubDate>Mon, 11 Apr 2011 04:33:28 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1331492</guid>
		<description>No, but some of us have wives who think that way....  ;-)</description>
		<content:encoded><![CDATA[<p>No, but some of us have wives who think that way&#8230;.  <img src='http://www.getrichslowly.org/blog/wp-includes/images/smilies/icon_wink.gif' alt=';-)' class='wp-smiley' /> </p>
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		<title>By: Jaime B</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1331392</link>
		<dc:creator>Jaime B</dc:creator>
		<pubDate>Mon, 11 Apr 2011 03:39:51 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1331392</guid>
		<description>I have a similar view about working over-time at work: nobody&#039;s doing anybody any favors. They aren&#039;t offering OT because they know I can use the extra cash - it&#039;s pure business. And, I&#039;m not taking them up on it for any reason except that I could use the extra money. Quid pro quo.

However, I take a slightly different view of the service provider vs customer relationship. Yes, I hate to say it&#039;s more adversarial. It&#039;s all about late fees and interest. If I&#039;m slow to pay, then I incur late fees or interest charges and maybe even a ding on my credit report. In most cases if there is a similar disruption or subpar service in return I have to ask for compensation. This is fine in cases where they can&#039;t know about the issue(like buying a shirt and having it fall apart during the first wash), but I&#039;ve noticed that even when they know no one offers apologies first anymore(like long checkout lines). They wait for people to complain because they know many won&#039;t and that saves them money, but it&#039;s terrible customer service. Sometimes all I want is an apology and acknowledgement of the situation, but if the company forces me to instigate it then I want compensation as well for the fact that they didn&#039;t want to step up.</description>
		<content:encoded><![CDATA[<p>I have a similar view about working over-time at work: nobody&#8217;s doing anybody any favors. They aren&#8217;t offering OT because they know I can use the extra cash &#8211; it&#8217;s pure business. And, I&#8217;m not taking them up on it for any reason except that I could use the extra money. Quid pro quo.</p>
<p>However, I take a slightly different view of the service provider vs customer relationship. Yes, I hate to say it&#8217;s more adversarial. It&#8217;s all about late fees and interest. If I&#8217;m slow to pay, then I incur late fees or interest charges and maybe even a ding on my credit report. In most cases if there is a similar disruption or subpar service in return I have to ask for compensation. This is fine in cases where they can&#8217;t know about the issue(like buying a shirt and having it fall apart during the first wash), but I&#8217;ve noticed that even when they know no one offers apologies first anymore(like long checkout lines). They wait for people to complain because they know many won&#8217;t and that saves them money, but it&#8217;s terrible customer service. Sometimes all I want is an apology and acknowledgement of the situation, but if the company forces me to instigate it then I want compensation as well for the fact that they didn&#8217;t want to step up.</p>
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		<title>By: Jaime B</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1331382</link>
		<dc:creator>Jaime B</dc:creator>
		<pubDate>Mon, 11 Apr 2011 03:25:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1331382</guid>
		<description>I have to conditionally agree and disagree. I think it depends on the price of the item and the return period. I think almost any product should be usable for more than the 30-45 day return policy a lot of stores. If it&#039;s not designed to be a single use product, then 1 month of use isn&#039;t even the minimum I would expect a product to work.</description>
		<content:encoded><![CDATA[<p>I have to conditionally agree and disagree. I think it depends on the price of the item and the return period. I think almost any product should be usable for more than the 30-45 day return policy a lot of stores. If it&#8217;s not designed to be a single use product, then 1 month of use isn&#8217;t even the minimum I would expect a product to work.</p>
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		<title>By: Hunter</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1331272</link>
		<dc:creator>Hunter</dc:creator>
		<pubDate>Mon, 11 Apr 2011 02:11:34 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1331272</guid>
		<description>With regard to your final poimt, returning things that don&#039;t do what you expect them to.
The law is very much on the consumers side in this regard. Everything comes with an implied warranty, no matter whether there is a written warranty, or a verbal warranty at the time of sale. Unless the product is specifically marker &quot;AS IS&quot; at the time of sale.

This ensures that the purchase does what it is supposed to do, and/or is fit for a particular purpose. Tese are governed by state law and can be good up to 4 years.

I&#039;m with you. Take the crap back and get a replacement or your money back.</description>
		<content:encoded><![CDATA[<p>With regard to your final poimt, returning things that don&#8217;t do what you expect them to.<br />
The law is very much on the consumers side in this regard. Everything comes with an implied warranty, no matter whether there is a written warranty, or a verbal warranty at the time of sale. Unless the product is specifically marker &#8220;AS IS&#8221; at the time of sale.</p>
<p>This ensures that the purchase does what it is supposed to do, and/or is fit for a particular purpose. Tese are governed by state law and can be good up to 4 years.</p>
<p>I&#8217;m with you. Take the crap back and get a replacement or your money back.</p>
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		<title>By: Pat S</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1331232</link>
		<dc:creator>Pat S</dc:creator>
		<pubDate>Mon, 11 Apr 2011 01:39:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1331232</guid>
		<description>Awesome, and so true! Nobody cares about you and your family like you do.</description>
		<content:encoded><![CDATA[<p>Awesome, and so true! Nobody cares about you and your family like you do.</p>
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		<title>By: Danielle</title>
		<link>http://www.getrichslowly.org/blog/2011/04/10/reader-story-fight-for-your-finances/comment-page-1/#comment-1331172</link>
		<dc:creator>Danielle</dc:creator>
		<pubDate>Mon, 11 Apr 2011 00:38:39 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=77382#comment-1331172</guid>
		<description>This article makes me say &quot;heck yeah!&quot; I have been fighting for my money for years, and have learned by experience that 90% of the time, just ASKING gets you cash.  
I friend of mine lost a dollar in the vending machine at school the other day (university).  THEFT!  I took her to the student hospitality services office and explained that her dollar was taken by the machine.  They had her fill out a simple form and immediately gave her the dollar back.  
She thanked me after and told me &quot;I was just going to cut my losses&quot; and I said &quot;I don&#039;t believe in cutting my losses&quot;.  
If I am unsatisfied with a product, NO MATTER WHAT IT IS, and no matter the time it has been in my possession, I will attempt to return it.  I am polite and fearless and have no qualms asking.</description>
		<content:encoded><![CDATA[<p>This article makes me say &#8220;heck yeah!&#8221; I have been fighting for my money for years, and have learned by experience that 90% of the time, just ASKING gets you cash.<br />
I friend of mine lost a dollar in the vending machine at school the other day (university).  THEFT!  I took her to the student hospitality services office and explained that her dollar was taken by the machine.  They had her fill out a simple form and immediately gave her the dollar back.<br />
She thanked me after and told me &#8220;I was just going to cut my losses&#8221; and I said &#8220;I don&#8217;t believe in cutting my losses&#8221;.<br />
If I am unsatisfied with a product, NO MATTER WHAT IT IS, and no matter the time it has been in my possession, I will attempt to return it.  I am polite and fearless and have no qualms asking.</p>
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