When buying, If the ad says price is firm and it's over my budget, I don't bother. If the horse has issues when I go look at it and I think I can fix/manage those issues, then I will make an offer based on what *I* think the horse is worth, keeping in mind that I am going to be re-selling the horse and I need to make money off that sale. I simply say, "I have X amount of cash with me today. Are you interested in selling?" When selling, I used to either list the price as firm or negotiable. What I REALLY can't stand is when people try to low ball you. I advertise a horse at $7,500 neg and someone asks me if I'd take $2,500. Really? I have learned to put "reasonable offers considered" instead of "negotiable." If I have the horse listed at $7,500, it's not a $2,500 horse. $6800-7000, MAYBE $6500 , depending on the horse. But DEFINITELY not 2,500.