When I'm at a check out line and the person in front of me waits until the total is given before they reach in their wallets or dig through their purse to try and find a credit card or cash or check or whatever.

Or at work when someone calls to make a payment by credit card over the phone and I tell them "ok I'm ready for your card number" and they say "ok hang on let me find my card". I tell them call me back whenever you find it and are ready.

And this may sound crazy but the sound of someone whispering when they try to say something quietly. I can't stand the sound of it. It's like finger nails on a chalkboard to me. If you can't say it loud like a regular person either save it until you can or write it down.

Great thread by the way. Should end up a 20 pager.