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	<title>Comments on: JC Penney&#8217;s = Perpetual SALE!</title>
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	<link>http://allfinancialmatters.com/2007/06/06/jc-penneys-perpetual-sale/</link>
	<description>A personal finance blog dedicated to discussing such topics as budgeting, asset allocation, 401K, IRA, cash flow, insurance, financial planning, portfolio management, and other areas in personal finance.</description>
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		<title>By: Kenneth Varner</title>
		<link>http://allfinancialmatters.com/2007/06/06/jc-penneys-perpetual-sale/comment-page-1/#comment-411491</link>
		<dc:creator>Kenneth Varner</dc:creator>
		<pubDate>Mon, 30 Mar 2009 00:52:01 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/?p=1821#comment-411491</guid>
		<description>Sir, I reasently went bankrup. I did not go on J C Penneys. I have had your card for 35 years. I have never been late. I went bankrup 2 times before. I would never go on you. I have was paid up to Feb. I use your card for everthing. I was hopping we could come to some arrangement, and I could keep the card. They took away two other cards but I can do with out them. I am looking fordward to hear from you.    Thank you, Kenneth Varner</description>
		<content:encoded><![CDATA[<p>Sir, I reasently went bankrup. I did not go on J C Penneys. I have had your card for 35 years. I have never been late. I went bankrup 2 times before. I would never go on you. I have was paid up to Feb. I use your card for everthing. I was hopping we could come to some arrangement, and I could keep the card. They took away two other cards but I can do with out them. I am looking fordward to hear from you.    Thank you, Kenneth Varner</p>
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		<title>By: fivecentnickel.com</title>
		<link>http://allfinancialmatters.com/2007/06/06/jc-penneys-perpetual-sale/comment-page-1/#comment-111347</link>
		<dc:creator>fivecentnickel.com</dc:creator>
		<pubDate>Fri, 08 Jun 2007 14:33:08 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/?p=1821#comment-111347</guid>
		<description>&lt;strong&gt;Weekly Roundup - 06/08/07&lt;/strong&gt;

Well, this is my last weekly roundup as a 35 year old &#8212; I&#8217;ll be turning 36 over the weekend. Oh well, at least I&#8217;m still in my mid-30s&#8230; As for a birthday celebration, we&#8217;re headed out of town and will be spending the weeke...</description>
		<content:encoded><![CDATA[<p><strong>Weekly Roundup &#8211; 06/08/07</strong></p>
<p>Well, this is my last weekly roundup as a 35 year old &#8212; I&#8217;ll be turning 36 over the weekend. Oh well, at least I&#8217;m still in my mid-30s&#8230; As for a birthday celebration, we&#8217;re headed out of town and will be spending the weeke&#8230;</p>
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		<title>By: Patrick</title>
		<link>http://allfinancialmatters.com/2007/06/06/jc-penneys-perpetual-sale/comment-page-1/#comment-111123</link>
		<dc:creator>Patrick</dc:creator>
		<pubDate>Thu, 07 Jun 2007 14:48:39 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/?p=1821#comment-111123</guid>
		<description>JC Penny&#039;s does always have sales, but htey seem to rotate which merchandise is on sale at a given time. EA makes a good point about just waiting for what you want. 

What I do like about Penny&#039;s is that our store (I&#039;m assuming it is the same at other stores) includes a 15% off coupon on the back of the receipt for filling out a 5 minute survey on-line. They also frequently send out coupons in the mail.

I wouldn&#039;t pay full-price for their clothes, but I htink very good deals can be found there.</description>
		<content:encoded><![CDATA[<p>JC Penny&#8217;s does always have sales, but htey seem to rotate which merchandise is on sale at a given time. EA makes a good point about just waiting for what you want. </p>
<p>What I do like about Penny&#8217;s is that our store (I&#8217;m assuming it is the same at other stores) includes a 15% off coupon on the back of the receipt for filling out a 5 minute survey on-line. They also frequently send out coupons in the mail.</p>
<p>I wouldn&#8217;t pay full-price for their clothes, but I htink very good deals can be found there.</p>
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		<title>By: yu now who</title>
		<link>http://allfinancialmatters.com/2007/06/06/jc-penneys-perpetual-sale/comment-page-1/#comment-111116</link>
		<dc:creator>yu now who</dc:creator>
		<pubDate>Thu, 07 Jun 2007 14:13:49 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/?p=1821#comment-111116</guid>
		<description>What is full price?  Furniture stores have always had perpetual &quot;going out of business&quot; sales, or the first Tuesday of the week sale.  When you mark up a price so you can have a &quot;sale&quot; to sell it at the price you really desire to sell at, is it a sale?  That is why post Christmas sales now begin before Thanksgiving.  Another of my thoughts is medical costs and the reduced costs negotiated by a network provider.  When managed care first began here in the very early 90&#039;s, we saw a true savings on our client&#039;s health premium due to negotiations.  Now I believe the price of medical service is marked up enough that medical providers can negotiate a &quot;35% reduction&quot; for a particular network.  I sit on the board of a large (1500 employee) governmental body&#039;s health benefit plan.  I see most providers willing to accept Medicare allowable rates for the plans claims adjudication.  I see that as the true cost of providing care. NOW, IS Medicare allowable pricing going to be marked up so even that can be negotiated for a &quot;savings&quot; to our seniors?
As I have lived by, the price a willing buyer and a willing seller can agree upon is the price of a product.  So, When is a sale a sale?  A sale is an advertising device to draw interest in that establishment.  Negotiating in Mexico is a good example of that finding the true price of a piece of merchandise.

I apologize for the length.</description>
		<content:encoded><![CDATA[<p>What is full price?  Furniture stores have always had perpetual &#8220;going out of business&#8221; sales, or the first Tuesday of the week sale.  When you mark up a price so you can have a &#8220;sale&#8221; to sell it at the price you really desire to sell at, is it a sale?  That is why post Christmas sales now begin before Thanksgiving.  Another of my thoughts is medical costs and the reduced costs negotiated by a network provider.  When managed care first began here in the very early 90&#8217;s, we saw a true savings on our client&#8217;s health premium due to negotiations.  Now I believe the price of medical service is marked up enough that medical providers can negotiate a &#8220;35% reduction&#8221; for a particular network.  I sit on the board of a large (1500 employee) governmental body&#8217;s health benefit plan.  I see most providers willing to accept Medicare allowable rates for the plans claims adjudication.  I see that as the true cost of providing care. NOW, IS Medicare allowable pricing going to be marked up so even that can be negotiated for a &#8220;savings&#8221; to our seniors?<br />
As I have lived by, the price a willing buyer and a willing seller can agree upon is the price of a product.  So, When is a sale a sale?  A sale is an advertising device to draw interest in that establishment.  Negotiating in Mexico is a good example of that finding the true price of a piece of merchandise.</p>
<p>I apologize for the length.</p>
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		<title>By: Dave</title>
		<link>http://allfinancialmatters.com/2007/06/06/jc-penneys-perpetual-sale/comment-page-1/#comment-111030</link>
		<dc:creator>Dave</dc:creator>
		<pubDate>Thu, 07 Jun 2007 03:25:02 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/?p=1821#comment-111030</guid>
		<description>More on perpetual sales... I shopped for a vacuum cleaner recently at Sears. They have two models at the same regular price. According to the specs on their web site, one comes with a crevice tool and the other comes with an upholstery brush. However, in the store I found that both vacuum cleaners actually come with both attachments. When I asked why they would do that, the salesman told me that if they had just one of the models and it was on sale every week, then they couldn&#039;t advertise it as being on sale, but by having two model numbers advertised as different, they could legitimately have one on sale every weekend. It was interesting to see how easily one can get around the advertising rules.</description>
		<content:encoded><![CDATA[<p>More on perpetual sales&#8230; I shopped for a vacuum cleaner recently at Sears. They have two models at the same regular price. According to the specs on their web site, one comes with a crevice tool and the other comes with an upholstery brush. However, in the store I found that both vacuum cleaners actually come with both attachments. When I asked why they would do that, the salesman told me that if they had just one of the models and it was on sale every week, then they couldn&#8217;t advertise it as being on sale, but by having two model numbers advertised as different, they could legitimately have one on sale every weekend. It was interesting to see how easily one can get around the advertising rules.</p>
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		<title>By: hustler</title>
		<link>http://allfinancialmatters.com/2007/06/06/jc-penneys-perpetual-sale/comment-page-1/#comment-111024</link>
		<dc:creator>hustler</dc:creator>
		<pubDate>Thu, 07 Jun 2007 02:19:08 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/?p=1821#comment-111024</guid>
		<description>any sales is a good sales. Who care if it&#039;s making them cheapening.</description>
		<content:encoded><![CDATA[<p>any sales is a good sales. Who care if it&#8217;s making them cheapening.</p>
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		<title>By: Jenn @ Frugal Upstate</title>
		<link>http://allfinancialmatters.com/2007/06/06/jc-penneys-perpetual-sale/comment-page-1/#comment-111001</link>
		<dc:creator>Jenn @ Frugal Upstate</dc:creator>
		<pubDate>Thu, 07 Jun 2007 00:32:57 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/?p=1821#comment-111001</guid>
		<description>Yankee Bill and I joke about this all the time.  &quot;Gee, JC Penney is having a sale this weekend, what a surprise&quot;</description>
		<content:encoded><![CDATA[<p>Yankee Bill and I joke about this all the time.  &#8220;Gee, JC Penney is having a sale this weekend, what a surprise&#8221;</p>
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		<title>By: Mike</title>
		<link>http://allfinancialmatters.com/2007/06/06/jc-penneys-perpetual-sale/comment-page-1/#comment-111000</link>
		<dc:creator>Mike</dc:creator>
		<pubDate>Thu, 07 Jun 2007 00:29:45 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/?p=1821#comment-111000</guid>
		<description>Joseph A. Bank also has a sale almost every week.</description>
		<content:encoded><![CDATA[<p>Joseph A. Bank also has a sale almost every week.</p>
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		<title>By: Don</title>
		<link>http://allfinancialmatters.com/2007/06/06/jc-penneys-perpetual-sale/comment-page-1/#comment-110986</link>
		<dc:creator>Don</dc:creator>
		<pubDate>Wed, 06 Jun 2007 22:37:37 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/?p=1821#comment-110986</guid>
		<description>I don&#039;t shop at Penny&#039;s because none of the stores near me have accessible changing rooms, and my wife needs a grab bar.  It&#039;s a small thing, but more than one Penny&#039;s near me is pathetic that way.  That&#039;s enough of a pattern to send me elsewhere.</description>
		<content:encoded><![CDATA[<p>I don&#8217;t shop at Penny&#8217;s because none of the stores near me have accessible changing rooms, and my wife needs a grab bar.  It&#8217;s a small thing, but more than one Penny&#8217;s near me is pathetic that way.  That&#8217;s enough of a pattern to send me elsewhere.</p>
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		<title>By: EA</title>
		<link>http://allfinancialmatters.com/2007/06/06/jc-penneys-perpetual-sale/comment-page-1/#comment-110981</link>
		<dc:creator>EA</dc:creator>
		<pubDate>Wed, 06 Jun 2007 22:07:38 +0000</pubDate>
		<guid isPermaLink="false">http://allfinancialmatters.com/?p=1821#comment-110981</guid>
		<description>If there&#039;s something I really want from Penney&#039;s I never buy it full price anymore.  I know it will go on sale in the next 4-6 weeks.  I think they&#039;re shooting themselves in the foot with the constant sales.</description>
		<content:encoded><![CDATA[<p>If there&#8217;s something I really want from Penney&#8217;s I never buy it full price anymore.  I know it will go on sale in the next 4-6 weeks.  I think they&#8217;re shooting themselves in the foot with the constant sales.</p>
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