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Don McNay

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The Peril of Prejudging Your Customers

Posted: 07/06/11 08:11 PM ET

Two friends, who are jewelry shopping went into locally owned store here in Kentucky. They were treated with respect by a knowledgeable sales person. They then decided to compare by going to a nationally owned chain.

The salesman at the chain asked them where they were from. When they mentioned an economically challenged city outside of Lexington, the salesman immediately blew them off. He didn't want to talk to them and then pointed them the cheapest stuff in the store.

Guess who got the business?

It reminds me Julia Roberts on Rodeo Drive in the scene in Pretty Woman. If the salesman is working on commission, he missed one that would have made his house payment. Or his car payment. Probably both.

In this economy, I can't imagine how anyone would look down their nose at a potential customer but I see it all the time.

I see it at car dealerships, restaurants, and all kinds of places that ought to know better. You can't judge a person by the clothes they wear or the city they live in.

People with real money are usually the last to flash it. As Dr. Thomas Stanley pointed out in the Millionaire Next Door, people with real wealth are more likely to drive pickup trucks than BMW's.

One of my friends is one of the most successful medical malpractice attorneys in the United States. He and his wife decided they needed a new bed. He rolled out of bed on a Saturday, unshaven and in old clothes, and went to a furniture store.

They started looking at beds suited for their very expensive home. The salesman came over in horror and tried to steer my buddy to stuff that people would buy for entry level houses or apartment.

My friend went to every expensive bed in the place. Tested them by diving on them and rolling around. Walked out and got what he wanted another store.

I do a lot of business in small towns that don't have much of a social registry. One of my friends who fixes up junked cars and drives them as a primary vehicle is one of the wealthiest people I know. He reveals in the fact that no one knows about his wealth. He used to tell people he was a janitor.

He got ignored by a lot of sales people. The ones that did talk to him made a ton of money over the years.

A simple but good lesson to learn.

Don McNay, CLU, ChFC, MSFS, CSSC of Richmond Kentucky is an award-winning financial columnist and Huffington Post Contributor. McNay founded McNay Settlement Group, a structured settlement and financial consulting firm, in 1983, and Kentucky Guardianship Administrators LLC in 2000. McNay has Master's Degrees from Vanderbilt and the American College and is in the Hall of Distinguished Alumni of Eastern Kentucky University. McNay has written two books. Most recent is Son of a Son of a Gambler: Winners, Losers and What to Do When You Win The Lottery. McNay is a Quarter Century member of the Million Dollar Round Table and has four professional designations in the financial services field.

 
 
 

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HUFFPOST SUPER USER
atexasdem
Pointing out the foolishness of republican voters.
02:09 AM on 07/08/2011
His story is very true. I collect rare cars and custom motorcycles. My collection would be valued in the millions. I also enjoy working on my collection of cars and motorcycles. Spending the day working to restore a vintage motorcycle is one of my greatest relaxations and pleasures. Many a time I've gone into restaurants or shopping after spending the day in my garage and looking like it. I'll also walk into a restaurant in full leathers after getting off my 1941 Indian and watch the nervous scowls from the staff. Believe it or not I actually get a kick out of it all. The ones who I really laugh at are the pretentious snobs that I know I could buy and sell with my pocket change.
HUFFPOST SUPER USER
Tree S-B
Well, you know...
02:09 PM on 07/08/2011
But you are the one who is disrespectful by showing up in a restaurant dirty and disheveled.
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Computer Geek
Logician Atheist Lefty
08:19 PM on 07/07/2011
I've done that - just out of college and hired into my first job in IT, my wife and I used to love going to places like when we bought our first house and the salesman looked at my cutoffs and cheap tanktop and thought we were not going to be able to afford the house (you could see it in his body language and his eyes). He did let us fill out the loan form (luckily for him), and I can just imagine his surprise when it came back approved. I've done it in car dealerships and mentioned loudly as I was leaving after no one would even talk to me "Well, I guess they really don't sell cars to cash customers here". I'm not rich but I do have excellent credit (does a big credit line make me rich?) - a lot of which is unused - and I do love to reward those that don't prejudge.
HUFFPOST SUPER USER
Tree S-B
Well, you know...
02:04 PM on 07/08/2011
But you want people to pre-judge you and go out of your way to make sure it happens.
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Computer Geek
Logician Atheist Lefty
03:11 PM on 07/08/2011
I think you missed the whole point of the article - how much money you have is not related to how you look or how you dress. I don't dress for others, I dress to be comfortable, not stylish. And if I want to go unshaven, I do have that right. But for people who know nothing about you whatsoever to just assume that you are a deadbeat because of your appearance is WRONG! The same as judging black people because they aren't white is WRONG!
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BBackSoon
Hello, I must be going.
03:22 PM on 07/07/2011
Same thing for people dressed very nicely that want to make you one hell of a deal?
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SeenItBefore
Ya want to super size that?
01:51 PM on 07/07/2011
My first real job after college was selling furniture on commission. The salespeople rotated those who entered and if you snoozed, another person was talking to the customers.

I was new and flush with first weeks cash, got the big head and let the elderly couple with raggedy clothes and scuffed shoes past me by. Half way across the store, the owner burst out of his office, started apologizing to the couple, seated them in his office and closing the door, looked at me and said I was next after they left.

An hour later I was shown the sales receipt for furniture and appliances with commissions that could have provided me with 6 months of easy living. I was also informed I had passed with inattention the people who once owned the land the entire town sat on and they still owned most of the county.

I never made that mistake again. Just to make sure, the owner had me deliver the merchandise to their home, unload and install every item.
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HUFFPOST SUPER USER
Miss Peaches
I wanna be a rockstar!
01:37 PM on 07/07/2011
First rule of sales, never cherry pick your customers.
01:11 PM on 07/07/2011
The perils of prejudice far outweigh just making a simple sale. We shouldn't prejudge anyone for any reason because it doesn't make sense. It is destructive to the soul, divisive to the human race, and if there is a God than I'm sure it is damned by the Almighty. Sure, we evolved prejudice as an evolutionary protection mechanism to quickly discern friend or foe, but now it is only used for the ultra wealthy to divide the rest of us in to man-made separations of race, education, social status, economic status etc. Unnecessary hoarding and forced scarcity for short term economic gain is robbing future generations of civilization as we know it.

Honestly, an unfortunate economic truth to this story is that your rich friends would have probably paid cash while the gussied up person trying to emulate wealth would have taken out a in store credit card and ended up paying more in interest than they paid on the bed. Score one, plus 23% APR for the salesperson.

To quote spinotter11's comment " This entire story is full of the crass attitudes that have made the USA what it is today."
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evie
all good things begin
11:58 AM on 07/07/2011
I believe that the salespeople employed by the big box stores, even medium and little box stores, don't really understand or care about the basics of selling. When the owner/family is working at the store, you won't see many customers treated this way. IMO
Linda from Deerfield
Paying attention
10:56 AM on 07/07/2011
When I grew up, everyone knew that the richest man in town was the guy who wore the oldest clothes and drove the junkiest car. Years later, I realized that I wanted to be just like him and have apparently done a pretty good job of achieving that, given that we retired early while others speak as though they never can, by living modestly and experiencing a lot of good timing. My parents, too, who became relatively well off by local standards, would never have flaunted their good fortune in the face of others. My husband is of a similar mind -- it's no wonder we've hung together. He thrills in wearing his ragged jeans to shop at the high end, independent grocer. They treat him with respect, even delight. He is a pretty funny guy who can make you laugh on a bad day and the employees seem to look forward to that. If we pull up in my rusty 1994 Saab, so much the better -- it helps us sort out the shallow people who will prejudge from those who have a good sense of what is important in life. More than that, I wish we were setting a precedent -- if we all could leave each other's dignity intact, the world would be so much a better place.
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HUFFPOST SUPER USER
lrobb
Southern Rational
10:43 AM on 07/07/2011
We are by no means millionaires, but we do live in a nice house in one of the best areas of our small city. One day, my husband, a utility company executive,--also unshaven and grungy on a Saturday morning--was busy installing a new sprinkler system in our front yard. He had his tools and supplies on a trailer hitched to the back of his 1999 Ford F150.

A car pulled up and the driver watched him for awhile before telling him he was doing good work and asking how much he charged. My husband never missed a beat. he said, "Oh, I work really cheap because I get to sleep with the lady of the house."
Linda from Deerfield
Paying attention
11:04 AM on 07/07/2011
Hilarious. Humor and modesty both contribute to a rich life, in my experience.
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SF TKF
Cthulhu thinks you'd make a nice sandwich.
10:42 AM on 07/07/2011
A friend of mine’s dad owns a Porsche dealership. He says his top salesman always wanted to help the guy in torn jeans and flip flops, cause that’s the guy that pays cash.
01:13 PM on 07/08/2011
what difference would paying cash make? except they couldn't make money off the financing.
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HUFFPOST SUPER USER
Rightlygay
Already EQUAL
10:34 AM on 07/07/2011
I wouldnt wait on attorney either.......
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evie
all good things begin
12:00 PM on 07/07/2011
and you wouldn't make the sale, either
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HUFFPOST SUPER USER
spinotter11
Spinning through life and trying to understand it.
07:59 AM on 07/07/2011
This entire story is full of the crass attitudes that have made the USA what it is today.
07:29 AM on 07/07/2011
Unfortunately, this happens quite often. My husband and I use to frequent a steak restaurant. It wasn't 5 star place, but at least a 4. One night, after moving furniture all day, we went for dinner. I had on shorts (not cutoffs) and a tank top, my husband in shorts and a t-shirt. The service we recieved was horrendous. This waitress lost out on a very large tip, as I am a restaurant manager, and always tip at least 25%. In addition, I spoke with the manager of this restaurant.
Just because someone isn't dressed the way the salesperson thinks they should be dressed, is no reason to treat these customers differently.
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HUFFPOST SUPER USER
JDShipley
I drink coffee, therefore I am.
11:01 PM on 07/06/2011
Smile. Be excellent. Say "thank you."
To everyone.
10:21 PM on 07/06/2011
You have no idea you you are talking to. Sales people who mistreat folk they assume are poor do so at their own expense.
10:58 PM on 07/06/2011
huh?