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87 votes
Accepted

Buying from an aggressive salesperson

In my experience when a salesperson says a particular deal is only good if you purchase right now, 100% of the time it is not true. Of course I can't guarantee that is universally the case, but if you ...
TTT's user avatar
  • 47.2k
62 votes

Buying from an aggressive salesperson

There are few main reasons I can think of that the salesperson would do this: Time kills all deals is a cliche in sales. Once you leave the sale is much less likely. The owner is cash poor at the ...
JimmyJames's user avatar
  • 3,850
57 votes
Accepted

The price dropped on an item I purchased 8 days ago. What can I do?

Two options you can try: Go to the store and ask them to refund the difference. They might not, but it doesn't hurt to ask. Often stores will do this if you are within the return window because it ...
Ben Miller's user avatar
  • 116k
24 votes

The price dropped on an item I purchased 8 days ago. What can I do?

Depending on how you paid for the item, some credit cards have price protection insurance. There are always minimums (e.g. Must be more than 10% or €150 whichever is greater) and paperwork, and ...
Mark Henderson's user avatar
24 votes

What is the optimal number of months to base my "average spending" on?

You might be overthinking this... There is no right or wrong answer. In my opinion, the more data the better. If you're only looking at the past three months, you might be missing seasonal shopping ...
0xFEE1DEAD's user avatar
  • 8,498
19 votes

The price dropped on an item I purchased 8 days ago. What can I do?

Ultimately this is just bad luck. Prices change, especially for things like computers which become obsolete in a short time. At the end of the day a cutting edge PC is only cutting edge for about 6 ...
Chris Johns's user avatar
17 votes

Buying from an aggressive salesperson

This is way too long for a comment, so I am posting this as an answer. My bet is that you're buying a new piano. It is the only instrument that makes sense. The rest of this answer are going to ...
kevin's user avatar
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15 votes
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Visitor Shopping in the US: Would I get tax refund? Would I have to pay anything upon departure?

The US doesn't have a Value Added Tax, which is the one usually refundable upon departing the country... so sales taxes you pay in this country stay in this country and you don't get a refund. Just ...
keshlam's user avatar
  • 46.5k
11 votes

Buying from an aggressive salesperson

I often spend weeks or months (and sometimes even years) deciding whether to buy something. Certainly the dealer should recognize you by now if you take a third opportunity to look at the same ...
NL - Apologize to Monica's user avatar
11 votes
Accepted

Why do some stores have card-only self-checkouts?

There are a couple of advantages that I can think of. Since the machines are less complicated because they don't have to handle cash, they are less expensive and require less maintenance. Machines ...
Ben Miller's user avatar
  • 116k
10 votes

Lowe's won't accept their store credit - any recourse?

This seems like it should be an easy fix. If the license doesn't match due to a typing error, then presumably most of the information would be correct, or close to correct, so viewing what they have ...
TTT's user avatar
  • 47.2k
9 votes

What is the optimal number of months to base my "average spending" on?

You have a tradeoff between timeliness (which favors using recent data) and precision (which favors using longer-term data to average out fluctuations). A reasonable approach is to average over a ...
nanoman's user avatar
  • 29.7k
7 votes

Visitor Shopping in the US: Would I get tax refund? Would I have to pay anything upon departure?

Tax Refund: The US generally does not refund tax like other countries. For larger sales, you might want to try state tax refunds, check here: https://help.cbp.gov/app/answers/detail/a_id/373/~/how-to-...
Aganju's user avatar
  • 37.7k
7 votes

What is the optimal number of months to base my "average spending" on?

The other answers have suggested, correctly, that there is no correct answer to this. If your timeline is too short you may miss rare events (eg: once or twice a year you have a major event and you ...
Eric Nolan's user avatar
  • 1,059
7 votes

What is the optimal number of months to base my "average spending" on?

For the very best answer, you need years of data. You would plot graphs of spend by month, comparing year to year to find the pattern in the months. They're likely to have similar shape year to year, ...
ThomasRedstone's user avatar
7 votes
Accepted

Does a physical POS terminal expose my full bank card number to the merchant?

Yes, the full PAN (your credit card number) is exposed to the merchant's POS system, and yes there is a definite business practice applied, it's called PCI-DSS and is required by all of the world's ...
illustro's user avatar
  • 831
7 votes
Accepted

Why are shop receipts required

Receipts are required for tracking and documentation. You give someone something - you get a receipt back to acknowledge it. It is useful in a wide variety of applications: Proof of ownership/...
littleadv's user avatar
  • 174k
6 votes

Buying from an aggressive salesperson

I have a very simple rule. For anything other than trivial purchases (a small fraction of my monthly income), the only final decision I will make in the presence of a salesperson is "No". After I ...
Patricia Shanahan's user avatar
6 votes

I’m getting a refund for a product that I did not return

Any advice? First check that the email definitely is from Best Buy and is not a generic scam/phishing email. For instance, does the email actually mention by name the product you bought (and that ...
TripeHound's user avatar
  • 9,171
6 votes
Accepted

Cash back credit cards: what's the catch?

Banks generally charge retailers between 2% and 3% for processing credit cards charges, and the 1% cashback to you comes out of that. They still make money on the remaining 1% to 2%, assuming you’re a ...
Mike Scott's user avatar
  • 23.5k
5 votes
Accepted

Why would somebody return a shoe they already bought and then put it on layaway?

I think you’ve already figured out the answer. The person wants the shoes, but realizes that they don’t now have the money to spend on shoes, and buying now was a mistake. So they return the shoes, ...
Ben Miller's user avatar
  • 116k
4 votes

The price dropped on an item I purchased 8 days ago. What can I do?

In the US, you must rely on seller policies and manufacturer guarantees [citation needed]. In Europe, you additionally have certain buyer's rights which are very significant and virtually always ...
mafu's user avatar
  • 325
4 votes

Do retailers ever stock goods just to make other goods sell better?

They may stock items that frame the various price points. Of course they risk having the items go stale before they are sold. You also have situations where the store will advertise an item, but end ...
mhoran_psprep's user avatar
4 votes

Buying from an aggressive salesperson

My advice is to quit worrying about the salesman's tactics. They are a distraction. What do you want? How much are you willing to pay for it. If you want the instrument, decide how much you want ...
Kevin's user avatar
  • 2,592
4 votes
Accepted

What are things to look for when buying home insurance?

deductible (lower is better) Not always true. A low deductible costs more. So if the number of claims over the lifetime is small, then that low deductible can be costly. On to to your question: ...
mhoran_psprep's user avatar
4 votes

Lowe's won't accept their store credit - any recourse?

I agree with the answer here that this is likely something that can be fixed if you're willing to push a little bit. Still, there might be an even easier way: just purchase something from Lowes online ...
Daniel's user avatar
  • 5,330
4 votes
Accepted

How are 3rd party services able to determine if a card is a prepaid or a credit card?

Based on the card number: The card number prefix identifies the issuer of the card, and the digits that follow are used by the issuing entity to identify the cardholder as a customer and which is ...
0xFEE1DEAD's user avatar
  • 8,498
4 votes

will buying things at online stores with certain currencies be cheaper?

or will the exchange fees equalize the difference? That can only be truly determined when you determine what your debit/credit card's foreign exchange fees are. (Also, the web site might use geo-...
RonJohn's user avatar
  • 50.7k
4 votes

will buying things at online stores with certain currencies be cheaper?

Pricing often includes an element of psychology. For example, having something priced at $5.99 leaves the dollar part at $5 rather than $6. High-end restaurants sometimes price in whole dollars and ...
Lawrence's user avatar
  • 9,362
3 votes

Visitor Shopping in the US: Would I get tax refund? Would I have to pay anything upon departure?

Yes, you get a refund but only in a couple of states. If you are visiting Louisiana (e.g. New Orleans), there is sales tax refund on tangible items purchased at tax-free stores and permanently removed ...
Fernando's user avatar

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