This list can basically be summed up in the following sentence: "You don't HAVE to be a nice person if you would rather be a jerk who doesn't understand finance or common sense."


It's true. You don't have to save your waiter/waitress/etc. the time and trouble to figure it out on their own. Then again, you now have to save your receipts and go over your statement every month to ensure that they did the math correctly.


You don't have to stop at the stop signs on private property... assuming your state or town doesn't have a local law or ordinance stating otherwise, which some do. However if you get involved in an accident because you didn't stop, you WILL be found 100% liable. Sure, I blow through them sometimes when there's no one around. But don't use this as licence to ignore them completely.


No, you don't have to check out at hotels. Nor do you have to be happy when you discover they overcharged you and you missed an easy opportunity to clear it up at the front desk on your way out. Is it really that hard? Is it really worth the trouble later?


You don't have to show stores your receipts, and I personally hate the concept of being presumed to be a thief. But bear in mind that some states allow the sotre (NOT police, though) to detain you for up to ten minutes if you refuse. Beyond that, it's unlawful detainment.


Nope, you don't have to sign your receipts properly. But if you don't, the store can refuse to let you leave with what is their property until the transaction is completed. Haven't you noticed that little contract when you sign the receipt? "I agree to honor the cardholder agreement to pay..." Also, by not signing normally, you are conditioning your credit card company to allow what would otherwise appear to be a fraudulent charge on your account. Good luck the next time you lose your card and try to dispute the charges...


You're dead-on about giving stores personal information. It's nothing but data-mining, and you don't even have any assurance that they won't sell it to another company who will be even more obnoxious.


But... come on. How much time are you REALLY saving by not writing the number out on your checks? "The chances that someone is going to try to tamper with your check are basically nil." WOW. You REALLY haven't been paying attention to the rampant rise in identity theft and check fraud over the last few years, have you? "Basically nill" means you have no idea how easy it actually is. I'll bet your bank loves you.


As far as oil goes... well, there's a bit more to it. How do you drive? Do you just commute, or do you have a heavy foot? Do you use traditional or synthetic oil? Do you live in a particularly dry and dusty place, such as Nevada or parts of Southern California? If you just take it easy, 5,000 miles between changes is fine. But it really depends on your use.


You're right; you CAN get away with everything on your list. But should you? Generally, no. Not unless you want people to think you're an insensitive jerk with poor financial sense who doesn't take care of their property. Otherwise, this is mostly just bad advice. But it's up to you, I suppose.