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	<title>Comments for Personal Finance Hacks</title>
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	<link>http://www.pfhacks.com</link>
	<description>Helping you make the most of your money.</description>
	<pubDate>Tue, 02 Dec 2008 12:16:42 +0000</pubDate>
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		<title>Comment on Carpooling Tips by The Green Room</title>
		<link>http://www.pfhacks.com/2008/04/20/carpooling-tips/#comment-519</link>
		<dc:creator>The Green Room</dc:creator>
		<pubDate>Wed, 07 May 2008 04:00:43 +0000</pubDate>
		<guid isPermaLink="false">http://www.pfhacks.com/?p=73#comment-519</guid>
		<description>Gas prices are definitly putting a pinch on people's wallets. I needed to find ways to save some money since everything else seemed to be getting more expensive.  

It seems to coincide that the habits for "going green" are also habits that save you money.  In stead of driving to the market once a week, I walk to the store every other day and purchase what I can fit in my reusable-canvas tote. Because I carry my tote, I also get a .10 cent discount.  I use coupons, and pick up cans or bottles that I find along the way to the store.  

I feel great about cleaning up my environment and I earn a few dollars every two or three weeks by recycling. Also, I don't need to go to the gym because I'm gettiing my excercise while I'm going on my walks.  With my walks and carpooling and quittiing my gym membership, I'm saving about $180 per month: $115 savings on gas, $35 on gym,$30 savings  on groceries.  

There are many other ways of being frugal and keeping more cash in your wallet. You're likely to find that many of them are also good for the environment.</description>
		<content:encoded><![CDATA[<p>Gas prices are definitly putting a pinch on people&#8217;s wallets. I needed to find ways to save some money since everything else seemed to be getting more expensive.  </p>
<p>It seems to coincide that the habits for &#8220;going green&#8221; are also habits that save you money.  In stead of driving to the market once a week, I walk to the store every other day and purchase what I can fit in my reusable-canvas tote. Because I carry my tote, I also get a .10 cent discount.  I use coupons, and pick up cans or bottles that I find along the way to the store.  </p>
<p>I feel great about cleaning up my environment and I earn a few dollars every two or three weeks by recycling. Also, I don&#8217;t need to go to the gym because I&#8217;m gettiing my excercise while I&#8217;m going on my walks.  With my walks and carpooling and quittiing my gym membership, I&#8217;m saving about $180 per month: $115 savings on gas, $35 on gym,$30 savings  on groceries.  </p>
<p>There are many other ways of being frugal and keeping more cash in your wallet. You&#8217;re likely to find that many of them are also good for the environment.</p>
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		<title>Comment on Credit Card Hack: Write &#34;SEE ID&#34; On The Back by dsg</title>
		<link>http://www.pfhacks.com/2008/04/17/credit-card-hack-write-see-id-on-the-back/#comment-518</link>
		<dc:creator>dsg</dc:creator>
		<pubDate>Tue, 06 May 2008 15:01:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.pfhacks.com/2008/04/17/credit-card-hack-write-see-id-on-the-back/#comment-518</guid>
		<description>I work in retail part time and we are pretty good at checking IDs. Problem is, we have very few people who actually BRING an ID for us to check. We're faced with accepting the card based on comparing signature on receipt to the one on the card. We still get a lot of people who write only See ID on the signature line. They always tell us that they do it to avoid identity theft. Um, I can have a fake ID printed with your name but MY signature &#38; picture, then steal your card and sign it. Guess what? When I use your card to buy something, the signature on the receipt, ID and card will match PERFECTLY! If you sign your card and I try to buy something, the signatures most likely won't match well enough to hold up in a court of law. It may be inconvenient if I can forge a signature fairly well, but in the long run you'll get your money back or the card company will refuse the sale. If the signatures all match though, lots of luck proving that I wasn't you.</description>
		<content:encoded><![CDATA[<p>I work in retail part time and we are pretty good at checking IDs. Problem is, we have very few people who actually BRING an ID for us to check. We&#8217;re faced with accepting the card based on comparing signature on receipt to the one on the card. We still get a lot of people who write only See ID on the signature line. They always tell us that they do it to avoid identity theft. Um, I can have a fake ID printed with your name but MY signature &amp; picture, then steal your card and sign it. Guess what? When I use your card to buy something, the signature on the receipt, ID and card will match PERFECTLY! If you sign your card and I try to buy something, the signatures most likely won&#8217;t match well enough to hold up in a court of law. It may be inconvenient if I can forge a signature fairly well, but in the long run you&#8217;ll get your money back or the card company will refuse the sale. If the signatures all match though, lots of luck proving that I wasn&#8217;t you.</p>
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		<title>Comment on Percentages of Millionaire Households by State by Where the money is in America...still NE! - Page 2 - Early Retirement Forums</title>
		<link>http://www.pfhacks.com/2008/01/12/percentages-of-millionaire-households-by-state/#comment-517</link>
		<dc:creator>Where the money is in America...still NE! - Page 2 - Early Retirement Forums</dc:creator>
		<pubDate>Tue, 29 Apr 2008 17:00:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.pfhacks.com/2008/01/12/percentages-of-millionaire-households-by-state/#comment-517</guid>
		<description>[...] Posted by Milton   Here you go: Percentages of Millionaire Households by State &#124; Personal Finance Hacks. Louisiana is reportedly in 44th place (at 4.24%) and Mississippi is dead last (3.85%).    NJ has [...]</description>
		<content:encoded><![CDATA[<p>[...] Posted by Milton   Here you go: Percentages of Millionaire Households by State | Personal Finance Hacks. Louisiana is reportedly in 44th place (at 4.24%) and Mississippi is dead last (3.85%).    NJ has [...]</p>
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		<title>Comment on Percentages of Millionaire Households by State by Where the money is in America...still NE! - Early Retirement Forums</title>
		<link>http://www.pfhacks.com/2008/01/12/percentages-of-millionaire-households-by-state/#comment-516</link>
		<dc:creator>Where the money is in America...still NE! - Early Retirement Forums</dc:creator>
		<pubDate>Thu, 24 Apr 2008 21:19:49 +0000</pubDate>
		<guid isPermaLink="false">http://www.pfhacks.com/2008/01/12/percentages-of-millionaire-households-by-state/#comment-516</guid>
		<description>[...] I wonder what the percentage is in poorer states like Louisiana or Mississippi.    Here you go: Percentages of Millionaire Households by State &#124; Personal Finance Hacks. Louisiana is reportedly in 44th place (at 4.24%) and Mississippi is dead last (3.85%).    [...]</description>
		<content:encoded><![CDATA[<p>[...] I wonder what the percentage is in poorer states like Louisiana or Mississippi.    Here you go: Percentages of Millionaire Households by State | Personal Finance Hacks. Louisiana is reportedly in 44th place (at 4.24%) and Mississippi is dead last (3.85%).    [...]</p>
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		<title>Comment on Credit Card Hack: Write &#34;SEE ID&#34; On The Back by lulugal11</title>
		<link>http://www.pfhacks.com/2008/04/17/credit-card-hack-write-see-id-on-the-back/#comment-501</link>
		<dc:creator>lulugal11</dc:creator>
		<pubDate>Thu, 17 Apr 2008 18:35:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.pfhacks.com/2008/04/17/credit-card-hack-write-see-id-on-the-back/#comment-501</guid>
		<description>While I agree with you that this 'might' help you need to let your readers know that even with Check ID written on the card most cashiers do not check the ID.

I have made several purchases that required me to hand over my card and the person never even checked the signature on the card, much less asked for ID.

I told them they need to check my ID and they shrugged it off every time. The only time they bother to look at the ID is for large amounts...even if you request it.</description>
		<content:encoded><![CDATA[<p>While I agree with you that this &#8216;might&#8217; help you need to let your readers know that even with Check ID written on the card most cashiers do not check the ID.</p>
<p>I have made several purchases that required me to hand over my card and the person never even checked the signature on the card, much less asked for ID.</p>
<p>I told them they need to check my ID and they shrugged it off every time. The only time they bother to look at the ID is for large amounts&#8230;even if you request it.</p>
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		<title>Comment on Credit Card Hack: Write &#34;SEE ID&#34; On The Back by Emily @ Taking Charge</title>
		<link>http://www.pfhacks.com/2008/04/17/credit-card-hack-write-see-id-on-the-back/#comment-500</link>
		<dc:creator>Emily @ Taking Charge</dc:creator>
		<pubDate>Thu, 17 Apr 2008 18:33:43 +0000</pubDate>
		<guid isPermaLink="false">http://www.pfhacks.com/2008/04/17/credit-card-hack-write-see-id-on-the-back/#comment-500</guid>
		<description>Unfortunately, I've talked to people who have written "see ID" on their card and were never asked for an ID. Have you read the credit card stunts the guys from Zug.com have pulled? They got away with signing things like "Mickey Mouse" and drawing pictures as signatures on credit card receipts. They tried the "see ID" thing too, and nobody ever asked or cared. While I think it's not a bad idea to try it, there are no guarantees anyone will look or ask for your ID.</description>
		<content:encoded><![CDATA[<p>Unfortunately, I&#8217;ve talked to people who have written &#8220;see ID&#8221; on their card and were never asked for an ID. Have you read the credit card stunts the guys from Zug.com have pulled? They got away with signing things like &#8220;Mickey Mouse&#8221; and drawing pictures as signatures on credit card receipts. They tried the &#8220;see ID&#8221; thing too, and nobody ever asked or cared. While I think it&#8217;s not a bad idea to try it, there are no guarantees anyone will look or ask for your ID.</p>
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		<title>Comment on Managing Gift Cards by Hanks Weekly Hangouts #17 (February 16, 2008) - My Investing Blog</title>
		<link>http://www.pfhacks.com/2008/02/04/managing-gift-cards/#comment-463</link>
		<dc:creator>Hanks Weekly Hangouts #17 (February 16, 2008) - My Investing Blog</dc:creator>
		<pubDate>Sat, 16 Feb 2008 08:13:45 +0000</pubDate>
		<guid isPermaLink="false">http://www.pfhacks.com/2008/02/04/managing-gift-cards/#comment-463</guid>
		<description>[...] PersonalFinanceHacks gave a tutorial on managing gift cards.  Nobody really likes them BUT stores, but people keep buying [...]</description>
		<content:encoded><![CDATA[<p>[...] PersonalFinanceHacks gave a tutorial on managing gift cards.  Nobody really likes them BUT stores, but people keep buying [...]</p>
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		<title>Comment on Earn Smarter, Not Harder by Weekly Roundup #15 (February 2, 2008) - My Investing Blog</title>
		<link>http://www.pfhacks.com/2008/01/18/earn-smarter-not-harder/#comment-339</link>
		<dc:creator>Weekly Roundup #15 (February 2, 2008) - My Investing Blog</dc:creator>
		<pubDate>Sat, 02 Feb 2008 08:15:27 +0000</pubDate>
		<guid isPermaLink="false">http://www.pfhacks.com/2008/01/18/earn-smarter-not-harder/#comment-339</guid>
		<description>[...] PFHacks lets us know how to earn smarter, not harder. Good advice from any walk of [...]</description>
		<content:encoded><![CDATA[<p>[...] PFHacks lets us know how to earn smarter, not harder. Good advice from any walk of [...]</p>
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		<title>Comment on Details of Proposed Economic Stimulus Bill by Justin</title>
		<link>http://www.pfhacks.com/2008/01/24/details-of-proposed-economic-stimulus-bill/#comment-285</link>
		<dc:creator>Justin</dc:creator>
		<pubDate>Wed, 30 Jan 2008 01:11:29 +0000</pubDate>
		<guid isPermaLink="false">http://www.pfhacks.com/2008/01/24/details-of-proposed-economic-stimulus-bill/#comment-285</guid>
		<description>What about requiring the money to be spent for services in the US rather than goods?  Goods may mean money going out of the US to other countries - services means the money stays here.  Restaurants, auto repair, etc.   Why are we bailing out businesses that "lose" money (are we talking real losses or paper losses due to buying Hummers and deducting the entire cost).  So, I get to buy a Hummer, deduct the entire cost, lose money, get money from the government because my business looses money.  Wow, isn't this a country for the people and by the people?  I want MY country back.</description>
		<content:encoded><![CDATA[<p>What about requiring the money to be spent for services in the US rather than goods?  Goods may mean money going out of the US to other countries - services means the money stays here.  Restaurants, auto repair, etc.   Why are we bailing out businesses that &#8220;lose&#8221; money (are we talking real losses or paper losses due to buying Hummers and deducting the entire cost).  So, I get to buy a Hummer, deduct the entire cost, lose money, get money from the government because my business looses money.  Wow, isn&#8217;t this a country for the people and by the people?  I want MY country back.</p>
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		<title>Comment on Earn Smarter, Not Harder by TaxCut Online and 2007 Tax Law Changes &#124; Moolanomy</title>
		<link>http://www.pfhacks.com/2008/01/18/earn-smarter-not-harder/#comment-260</link>
		<dc:creator>TaxCut Online and 2007 Tax Law Changes &#124; Moolanomy</dc:creator>
		<pubDate>Mon, 28 Jan 2008 14:01:51 +0000</pubDate>
		<guid isPermaLink="false">http://www.pfhacks.com/2008/01/18/earn-smarter-not-harder/#comment-260</guid>
		<description>[...] Earn Smarter, Not Harder @ Personal Finance Hacks [...]</description>
		<content:encoded><![CDATA[<p>[...] Earn Smarter, Not Harder @ Personal Finance Hacks [...]</p>
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