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	<title>Comments on: 20 Things You Should Never Pay For</title>
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	<link>http://www.fairloanrate.com/2009/03/28/20-things-you-should-never-pay-for/</link>
	<description>Student Loan, College Loan, Auto Loan, Credit Card, Mortgage, Personal Finanace</description>
	<lastBuildDate>Wed, 08 Feb 2012 15:15:47 +0000</lastBuildDate>
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		<title>By: Bindy</title>
		<link>http://www.fairloanrate.com/2009/03/28/20-things-you-should-never-pay-for/comment-page-2/#comment-35260</link>
		<dc:creator>Bindy</dc:creator>
		<pubDate>Sun, 15 Jan 2012 01:48:06 +0000</pubDate>
		<guid isPermaLink="false">http://www.fairloanrate.com/?p=609#comment-35260</guid>
		<description>I don&#039;t know where you live but the pet shelters near me charge pet adoption fees when you get them- some as much as $200.  Often our local pet stores sell animals for LESS than we can get them from our local SPCA, and they kill the ones who don&#039;t get adopted.  Craig&#039;s list is where free pets comes where I live.</description>
		<content:encoded><![CDATA[<p>I don&#8217;t know where you live but the pet shelters near me charge pet adoption fees when you get them- some as much as $200.  Often our local pet stores sell animals for LESS than we can get them from our local SPCA, and they kill the ones who don&#8217;t get adopted.  Craig&#8217;s list is where free pets comes where I live.</p>
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		<title>By: Cahit Emek</title>
		<link>http://www.fairloanrate.com/2009/03/28/20-things-you-should-never-pay-for/comment-page-2/#comment-31193</link>
		<dc:creator>Cahit Emek</dc:creator>
		<pubDate>Sun, 20 Nov 2011 01:57:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.fairloanrate.com/?p=609#comment-31193</guid>
		<description>I liked this idea 

&quot;Adopt a pet from your nearest animal shelter or local rescue center. It’s free, and provides a needy animal a home.&quot;

But I want to change the word &quot;animal&quot; with the word &quot;human&quot;, so, as follows :

Adopt a human from your nearest human shelter or local rescue center. It’s free, and provides a needy human a home.</description>
		<content:encoded><![CDATA[<p>I liked this idea </p>
<p>&#8220;Adopt a pet from your nearest animal shelter or local rescue center. It’s free, and provides a needy animal a home.&#8221;</p>
<p>But I want to change the word &#8220;animal&#8221; with the word &#8220;human&#8221;, so, as follows :</p>
<p>Adopt a human from your nearest human shelter or local rescue center. It’s free, and provides a needy human a home.</p>
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	<item>
		<title>By: Jarvis</title>
		<link>http://www.fairloanrate.com/2009/03/28/20-things-you-should-never-pay-for/comment-page-2/#comment-22511</link>
		<dc:creator>Jarvis</dc:creator>
		<pubDate>Thu, 13 Jan 2011 11:26:43 +0000</pubDate>
		<guid isPermaLink="false">http://www.fairloanrate.com/?p=609#comment-22511</guid>
		<description>As a Mint user for the past 2 years, I have to say that I am getting what I paid for. I need to upgrade to a more sophisticated financial management package.

Regarding all the comments about &#039;fees&#039; to cover cost of shots for adopted animals - it&#039;s not the cost of BUYING the animal. But if you insist on totally free pets, there are various rescue agencies that specialize in breeds of dogs. The folks in the dog show circles can point you in the right direction. Just make sure someone isn&#039;t passing off their sickly inbred purebreed to you.</description>
		<content:encoded><![CDATA[<p>As a Mint user for the past 2 years, I have to say that I am getting what I paid for. I need to upgrade to a more sophisticated financial management package.</p>
<p>Regarding all the comments about &#8216;fees&#8217; to cover cost of shots for adopted animals &#8211; it&#8217;s not the cost of BUYING the animal. But if you insist on totally free pets, there are various rescue agencies that specialize in breeds of dogs. The folks in the dog show circles can point you in the right direction. Just make sure someone isn&#8217;t passing off their sickly inbred purebreed to you.</p>
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		<title>By: Mae</title>
		<link>http://www.fairloanrate.com/2009/03/28/20-things-you-should-never-pay-for/comment-page-2/#comment-19543</link>
		<dc:creator>Mae</dc:creator>
		<pubDate>Wed, 22 Dec 2010 02:25:48 +0000</pubDate>
		<guid isPermaLink="false">http://www.fairloanrate.com/?p=609#comment-19543</guid>
		<description>To the insensitive person who commented that you should never pay for kids - perhaps you have never dealt with the horrible pain of infertility but I personally would gladly pay for treatments or adoption fees to be able to have children and I don&#039;t think that is a bad thing at all.  True, many people are blessed with the ability to have children naturally, but millions are not.  Please think before you type. :*(</description>
		<content:encoded><![CDATA[<p>To the insensitive person who commented that you should never pay for kids &#8211; perhaps you have never dealt with the horrible pain of infertility but I personally would gladly pay for treatments or adoption fees to be able to have children and I don&#8217;t think that is a bad thing at all.  True, many people are blessed with the ability to have children naturally, but millions are not.  Please think before you type. :*(</p>
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		<title>By: jg</title>
		<link>http://www.fairloanrate.com/2009/03/28/20-things-you-should-never-pay-for/comment-page-2/#comment-8273</link>
		<dc:creator>jg</dc:creator>
		<pubDate>Fri, 30 Jul 2010 03:15:40 +0000</pubDate>
		<guid isPermaLink="false">http://www.fairloanrate.com/?p=609#comment-8273</guid>
		<description>Terrible list. 

1) Gets you your report, but not credit score.  To get that, gotta pay.

2) Many for-fee credit cards (Amex comes to mind) offer incentives programs worth far more than the fee.  My fee for an Amex is around $59 per year.  I estimate I get $400-600 worth of incentives (free travel, gift certificates, etc.) per year.

4) For the majority of people, a competent tax professional will save you far more in tax than you spend on his/her fee.

6) For-pay quicken is far better than the free versions.  Things like electronic bank integration can save hours of data entry.  Well worth the few bucks.

8) Only true if you want the cheap phones.  If you want anything with more capability (Blackberry, Android, iPhone), you need to pay.

9)  True for common software, but a lot of specialty software is purchase only.

11) Most shelters charge adoption fees these days.

17) Tap water is not potable everywhere.

20) As an attorney, I make a fair amount of money fixing problems cause by &quot;free&quot; legal forms - it&#039;s not the form, it&#039;s knowing which form, when to use it, how to modify it, etc.</description>
		<content:encoded><![CDATA[<p>Terrible list. </p>
<p>1) Gets you your report, but not credit score.  To get that, gotta pay.</p>
<p>2) Many for-fee credit cards (Amex comes to mind) offer incentives programs worth far more than the fee.  My fee for an Amex is around $59 per year.  I estimate I get $400-600 worth of incentives (free travel, gift certificates, etc.) per year.</p>
<p>4) For the majority of people, a competent tax professional will save you far more in tax than you spend on his/her fee.</p>
<p>6) For-pay quicken is far better than the free versions.  Things like electronic bank integration can save hours of data entry.  Well worth the few bucks.</p>
<p>8) Only true if you want the cheap phones.  If you want anything with more capability (Blackberry, Android, iPhone), you need to pay.</p>
<p>9)  True for common software, but a lot of specialty software is purchase only.</p>
<p>11) Most shelters charge adoption fees these days.</p>
<p>17) Tap water is not potable everywhere.</p>
<p>20) As an attorney, I make a fair amount of money fixing problems cause by &#8220;free&#8221; legal forms &#8211; it&#8217;s not the form, it&#8217;s knowing which form, when to use it, how to modify it, etc.</p>
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	<item>
		<title>By: James</title>
		<link>http://www.fairloanrate.com/2009/03/28/20-things-you-should-never-pay-for/comment-page-2/#comment-6090</link>
		<dc:creator>James</dc:creator>
		<pubDate>Wed, 02 Jun 2010 20:41:12 +0000</pubDate>
		<guid isPermaLink="false">http://www.fairloanrate.com/?p=609#comment-6090</guid>
		<description>Exercise was a silly entry. Sure, if you want to go for a walk that&#039;s great, but any serious exercise requires equipment, even if it&#039;s only $5 for two dumbells.</description>
		<content:encoded><![CDATA[<p>Exercise was a silly entry. Sure, if you want to go for a walk that&#8217;s great, but any serious exercise requires equipment, even if it&#8217;s only $5 for two dumbells.</p>
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	<item>
		<title>By: Ben Koshkin</title>
		<link>http://www.fairloanrate.com/2009/03/28/20-things-you-should-never-pay-for/comment-page-2/#comment-5789</link>
		<dc:creator>Ben Koshkin</dc:creator>
		<pubDate>Fri, 21 May 2010 04:26:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.fairloanrate.com/?p=609#comment-5789</guid>
		<description>Pet&#039;s from rescues may not be free by the time you pay for shots and stuff. Your free pet could be $125 to $200.

Ben Koshkin</description>
		<content:encoded><![CDATA[<p>Pet&#8217;s from rescues may not be free by the time you pay for shots and stuff. Your free pet could be $125 to $200.</p>
<p>Ben Koshkin</p>
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	<item>
		<title>By: Whitney</title>
		<link>http://www.fairloanrate.com/2009/03/28/20-things-you-should-never-pay-for/comment-page-1/#comment-5205</link>
		<dc:creator>Whitney</dc:creator>
		<pubDate>Sun, 04 Apr 2010 23:30:51 +0000</pubDate>
		<guid isPermaLink="false">http://www.fairloanrate.com/?p=609#comment-5205</guid>
		<description>FALSE:  Adopt a pet from your nearest animal shelter or local rescue center. It’s free, and provides a needy animal a home.  

There is a cost to print legal documents.</description>
		<content:encoded><![CDATA[<p>FALSE:  Adopt a pet from your nearest animal shelter or local rescue center. It’s free, and provides a needy animal a home.  </p>
<p>There is a cost to print legal documents.</p>
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	<item>
		<title>By: Justine</title>
		<link>http://www.fairloanrate.com/2009/03/28/20-things-you-should-never-pay-for/comment-page-1/#comment-5186</link>
		<dc:creator>Justine</dc:creator>
		<pubDate>Fri, 02 Apr 2010 01:12:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.fairloanrate.com/?p=609#comment-5186</guid>
		<description>I buy books and newspapers because I like to support the industries.  I also just like owning lots of books.</description>
		<content:encoded><![CDATA[<p>I buy books and newspapers because I like to support the industries.  I also just like owning lots of books.</p>
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	<item>
		<title>By: redbox codes</title>
		<link>http://www.fairloanrate.com/2009/03/28/20-things-you-should-never-pay-for/comment-page-1/#comment-4989</link>
		<dc:creator>redbox codes</dc:creator>
		<pubDate>Thu, 04 Mar 2010 01:08:51 +0000</pubDate>
		<guid isPermaLink="false">http://www.fairloanrate.com/?p=609#comment-4989</guid>
		<description>Yes the list is good and all are the essentials we all desperately need.  Hope it does work out this way though, these things and services for free.  A dream come true.  Thanks for the update.</description>
		<content:encoded><![CDATA[<p>Yes the list is good and all are the essentials we all desperately need.  Hope it does work out this way though, these things and services for free.  A dream come true.  Thanks for the update.</p>
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