lol what happens is that you get pwned by somebody who is a closer, and they win because you cave. they have the money, they just don't give it to you, and you let them.

I always bring enough money for full asking, and I NEVER bring it out of my pocket haha. hell I bring what I want to spend in my pocket, and leave my wallet with the rest in the car. I pull out the $20s and say "would you take" and then start counting. sellers are crazy suckers, especially people who don't have experience in a sales type environment professionally. they ALWAYS take the cash, even if it's lowball. on the rare occasion that I meet a serious cyclist and honest seller, I usually give them full asking and then talk shop for a while, at which point they often smirk in amusement.

rule #5 applies to the business as well, not just riding.