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	<title>Comments on: I am a moron part 635</title>
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	<link>http://www.iwillteachyoutoberich.com/blog/i-am-a-moron-part-635/</link>
	<description>Personal finance blog for college students, recent graduates and everyone else -- including entrepreneurship -- for getting rich. Featured in the Wall Street Journal and New York Times.</description>
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		<title>By: Deirdre</title>
		<link>http://www.iwillteachyoutoberich.com/blog/i-am-a-moron-part-635/comment-page-1/#comment-59748</link>
		<dc:creator>Deirdre</dc:creator>
		<pubDate>Wed, 23 Apr 2008 04:36:23 +0000</pubDate>
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		<description>I know I&#039;m answering this years later, but my take on overdue library fees is that they are fees for using the library. When I consider how many books I get to take home for FREE and how much I use the library as a quiet space to spend time or entertain my children, it&#039;s difficult to get upset about the fees.

I actually belong to a library now that is not allowed to charge overdue fees (something about it&#039;s being connected to the public school system), and I feel much worse about overdue books than I used to. I have to confess that I am not terribly philanthropic in general, but since I was used to paying library fees for years before, my current library is one place where I make a point of donating regularly.

I love my library, and it terrifies me to think of a world without libraries. I know most libraries are always struggling financially.  I&#039;m happy to give them what I can.</description>
		<content:encoded><![CDATA[<p>I know I&#8217;m answering this years later, but my take on overdue library fees is that they are fees for using the library. When I consider how many books I get to take home for FREE and how much I use the library as a quiet space to spend time or entertain my children, it&#8217;s difficult to get upset about the fees.</p>
<p>I actually belong to a library now that is not allowed to charge overdue fees (something about it&#8217;s being connected to the public school system), and I feel much worse about overdue books than I used to. I have to confess that I am not terribly philanthropic in general, but since I was used to paying library fees for years before, my current library is one place where I make a point of donating regularly.</p>
<p>I love my library, and it terrifies me to think of a world without libraries. I know most libraries are always struggling financially.  I&#8217;m happy to give them what I can.</p>
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		<title>By: mamacita</title>
		<link>http://www.iwillteachyoutoberich.com/blog/i-am-a-moron-part-635/comment-page-1/#comment-39674</link>
		<dc:creator>mamacita</dc:creator>
		<pubDate>Mon, 05 Nov 2007 01:52:38 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/blog/i-am-a-moron-part-635#comment-39674</guid>
		<description>Ramit -- Usually the library has to charge above the replacement cost because they have other expenses associated with acquiring the books -- cataloging, special binding, etc.

You know what really belongs in the &quot;stupid mistakes&quot; category?  Speeding tickets!  It&#039;s about $120 even if you take the defensive driving route.</description>
		<content:encoded><![CDATA[<p>Ramit &#8212; Usually the library has to charge above the replacement cost because they have other expenses associated with acquiring the books &#8212; cataloging, special binding, etc.</p>
<p>You know what really belongs in the &#8220;stupid mistakes&#8221; category?  Speeding tickets!  It&#8217;s about $120 even if you take the defensive driving route.</p>
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		<title>By: jc</title>
		<link>http://www.iwillteachyoutoberich.com/blog/i-am-a-moron-part-635/comment-page-1/#comment-3367</link>
		<dc:creator>jc</dc:creator>
		<pubDate>Sun, 17 Dec 2006 11:07:45 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/blog/i-am-a-moron-part-635#comment-3367</guid>
		<description>You should move to Los Alamos, NM. There the public library doesn&#039;t charge late fees, because they found that people just don&#039;t come back and return the books, if they have a fine to pay. Instead they have an automatic phone service that calls you and kindly asks you to bring the books back.
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		<content:encoded><![CDATA[<p>You should move to Los Alamos, NM. There the public library doesn&#8217;t charge late fees, because they found that people just don&#8217;t come back and return the books, if they have a fine to pay. Instead they have an automatic phone service that calls you and kindly asks you to bring the books back.</p>
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		<title>By: Ramit Sethi</title>
		<link>http://www.iwillteachyoutoberich.com/blog/i-am-a-moron-part-635/comment-page-1/#comment-3366</link>
		<dc:creator>Ramit Sethi</dc:creator>
		<pubDate>Tue, 07 Nov 2006 18:17:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/blog/i-am-a-moron-part-635#comment-3366</guid>
		<description>No, after 2 weeks and 2 days they just switch to the full cost of replacing the books. I don&#039;t remember exactly, but I remember thinking the prices were high ($36.95 for a regular hardcover book!) so I told them I&#039;d come in today to return them. Could they please just revert back to regular fines?


I suppose I could have tried to negotiate more, but it&#039;s a public library.</description>
		<content:encoded><![CDATA[<p>No, after 2 weeks and 2 days they just switch to the full cost of replacing the books. I don&#8217;t remember exactly, but I remember thinking the prices were high ($36.95 for a regular hardcover book!) so I told them I&#8217;d come in today to return them. Could they please just revert back to regular fines?</p>
<p>I suppose I could have tried to negotiate more, but it&#8217;s a public library.</p>
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		<title>By: G-man</title>
		<link>http://www.iwillteachyoutoberich.com/blog/i-am-a-moron-part-635/comment-page-1/#comment-3365</link>
		<dc:creator>G-man</dc:creator>
		<pubDate>Tue, 07 Nov 2006 18:14:01 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/blog/i-am-a-moron-part-635#comment-3365</guid>
		<description>I don&#039;t see how libraries can charge late fees above the cost of replacing the books (purchase price + labor),  especially if the book is still in print.  Ramit, was this part of your argument to get your late fees reduced?</description>
		<content:encoded><![CDATA[<p>I don&#8217;t see how libraries can charge late fees above the cost of replacing the books (purchase price + labor),  especially if the book is still in print.  Ramit, was this part of your argument to get your late fees reduced?</p>
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		<title>By: rmark</title>
		<link>http://www.iwillteachyoutoberich.com/blog/i-am-a-moron-part-635/comment-page-1/#comment-3364</link>
		<dc:creator>rmark</dc:creator>
		<pubDate>Tue, 07 Nov 2006 14:51:29 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/blog/i-am-a-moron-part-635#comment-3364</guid>
		<description>I&#039;ve seen grad students with bills over $2000. They check out a bunch of books, and forget to return them before leaving over the summer.</description>
		<content:encoded><![CDATA[<p>I&#8217;ve seen grad students with bills over $2000. They check out a bunch of books, and forget to return them before leaving over the summer.</p>
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		<title>By: SBC</title>
		<link>http://www.iwillteachyoutoberich.com/blog/i-am-a-moron-part-635/comment-page-1/#comment-3363</link>
		<dc:creator>SBC</dc:creator>
		<pubDate>Sun, 05 Nov 2006 22:12:12 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/blog/i-am-a-moron-part-635#comment-3363</guid>
		<description>Just think how much it would have cost to buy all those books...


May as well contribute to a good cause and pay the fine (as much as it stinks to do so).</description>
		<content:encoded><![CDATA[<p>Just think how much it would have cost to buy all those books&#8230;</p>
<p>May as well contribute to a good cause and pay the fine (as much as it stinks to do so).</p>
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		<title>By: Casey</title>
		<link>http://www.iwillteachyoutoberich.com/blog/i-am-a-moron-part-635/comment-page-1/#comment-3362</link>
		<dc:creator>Casey</dc:creator>
		<pubDate>Sun, 05 Nov 2006 21:24:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/blog/i-am-a-moron-part-635#comment-3362</guid>
		<description>I have to say, a few people could stand to read: &lt;a href=&quot;http://www.violentacres.com/archives/30/you-can-learn-a-lot-from-a-rich-girl&quot; rel=&quot;nofollow&quot;&gt;http://www.violentacres.com/archives/30/you-can-learn-a-lot-from-a-rich-girl&lt;/a&gt;


It&#039;s a good thing to read if you&#039;re thinking about doing some investing without first getting some financial know how.</description>
		<content:encoded><![CDATA[<p>I have to say, a few people could stand to read: <a href="http://www.violentacres.com/archives/30/you-can-learn-a-lot-from-a-rich-girl" rel="nofollow">http://www.violentacres.com/archives/30/you-can-learn-a-lot-from-a-rich-girl</a></p>
<p>It&#8217;s a good thing to read if you&#8217;re thinking about doing some investing without first getting some financial know how.</p>
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		<title>By: WH</title>
		<link>http://www.iwillteachyoutoberich.com/blog/i-am-a-moron-part-635/comment-page-1/#comment-3361</link>
		<dc:creator>WH</dc:creator>
		<pubDate>Sun, 05 Nov 2006 11:37:27 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/blog/i-am-a-moron-part-635#comment-3361</guid>
		<description>Been there done that! If your library system doesn&#039;t let you renew online, can you call in to renew instead? And I just take out fewer books now...</description>
		<content:encoded><![CDATA[<p>Been there done that! If your library system doesn&#8217;t let you renew online, can you call in to renew instead? And I just take out fewer books now&#8230;</p>
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		<title>By: ricemutt</title>
		<link>http://www.iwillteachyoutoberich.com/blog/i-am-a-moron-part-635/comment-page-1/#comment-3360</link>
		<dc:creator>ricemutt</dc:creator>
		<pubDate>Sun, 05 Nov 2006 04:22:40 +0000</pubDate>
		<guid isPermaLink="false">http://www.iwillteachyoutoberich.com/blog/i-am-a-moron-part-635#comment-3360</guid>
		<description>I have to say that the public library system here is the first one I&#039;ve been to where they charge you for placing holds and checking out DVDs/videos. Maybe it&#039;s just another high-cost-of-living-in-California thing.</description>
		<content:encoded><![CDATA[<p>I have to say that the public library system here is the first one I&#8217;ve been to where they charge you for placing holds and checking out DVDs/videos. Maybe it&#8217;s just another high-cost-of-living-in-California thing.</p>
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