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Casual Articles - Saving Money or Stealing? When Frugal Becomes Just Plain Cheap
Well, we are into the New Year and everyone is making resolutions on how to improve in 07. It’s time to think about your product and it's packaging too. Just like we do with our mental, emotional and physical aspects of our lives, think about improving and updating your packaging. You want it to mesh with consumer wants and needs. Consumers are a moving target and what worked last year may not work in the years to come.Here are 10 simple things you can do to ensure your product packaging is on target and delivers the right message to the right audience.1) Take an honest look at your product packaging. Is it working to your product’s best advantage? A
One more thing about bankruptcy: It is unethical to incur lots of debt "keeping up with the Joneses" and then go bankrupt because the debt is so large. Many people look at others and say to themselves, "Those people are the same age as me. I work hard. I deserve that too." or "our house is too small" or "our car is a real clunker so we need to buy a brand need one to "save" on repair costs ( a huge myth, by the way!). If you can afford these things, by all means, buy them. If you can't afford those things, find a way to make more money or learn to be happy with what you have.
Frugal livin
Does your website offer visitors a quick and easy way to recommend it to a friend? If not, you're missing out on a potential gold mine of free traffic.The benefits:Automated website promotion. You set up the program and your visitors do the work of promoting your website for you.You receive higher quality visitors. Your visitors will refer people *really interested* in your products or services. These people will be more likely to subscribe to your newsletter, request your free reports, and ultimately BUY YOUR PRODUCTS!Nobody will every be insulted or upset by this promotion technique (as long as you make it clear tha
Stealing "Free" Merchandise - This one really irked me! We needed some labels for the business. UPS gives their customers free unlimited labels as needed for packing when shipping with UPS. We purchased labels from a lady on Ebay. When we received them, they arrived from the UPS shipping center. The lady told us that was her "other office"! What she did is take our money and then call UPS as if she were me and have them send me "free" labels. The gaul! I confronted her and reported it to UPS. I should have known it was a "too good to be true" deal! Incidentally, this particular lady had made tens of thousands of dollars on Ebay sales of UPS "free" labels. This is not only dishonorable, but illegal.
You need some pens because you are running short so you take a handful from a store that is giving them out. This is stealing. If you take one, that's fine. Unless they tell you to take them all, it is tacky to take a large number of them. They're offering them simply as a courtesy.
You buy an item and you use it a few times and then return it because you're done with it. Stealing and lying. You probably won't tell the sales clerk you just needed to use it for a few times and even if you do, that's only OK if it is a rental store. If an item breaks, doesn't work or is not the right color, it is fine to return it. If you just needed it "for a few times" (like a dress for a special occasion) and know you won't use it again, you're stealing if you return it.
If you eat a food item with a guarantee on the box and it tastes nasty, return it. That's why they offer a guarantee. If you eat the entire contents of the box first and return the mostly-empty box, it probably wasn't actually nasty.
If you try to pass off your 14 year old child as a 12 year old so that you only have to pay for a child's meal, you are lying and teaching your child that lying is good when it benefits you.
If you go to a restaurant where it is customary to tip, tip the customary amount (usually 15%) if the service is reasonably good. If you get good service and fail to tip, you are stealing from the server. If you can't afford the tip, go to a restaurant where it is not customary to tip (like a fast-food restaurant). If your whole family shares one entree and your kids leave a mess of ground up crackers reaching out eight feet from the table in every direction, don't just tip on the one entree. Tip on the work you create for the server.
If you find a "great deal" that you can't live without but you don't have the money in your checking account, don't write a check. Let it be the "one that got away" If you knowingly write a bad check, you are stealing and lying.
If you find a "great deal", buy it and then hide it from your husband, you're lying (unless it's his birthday present ;-). If you have to hide it, you know you're doing something wrong.
If you charge up your credit cards with frivolous things like shopping and eating out and then declare bankruptcy, you are stealing from the credit card company and from everyone who does business with that company. Bankruptcy is intended to help people who end up financially strapped because of reasons beyond their control, like catastrophic medical expenses or the death of a spouse. It is unethical to declare bankruptcy because you went on a shopping spree, because you bought something you couldn't afford when you bought it or because you decided to change careers and no longer want to pay the student loans for your old career. You signed that piece of paper when you purchased the item saying you would pay them back and you didn't. It's up to you to pay them back any (legal :-) way you can, even if it does mean feeling "deprived" for a time.
One more thing about bankruptcy: It is unethical to incur lots of debt "keeping up with the Joneses" and then go bankrupt because the debt is so large. Many people look at others and say to themselves, "Those people are the same age as me. I work hard. I deserve that too." or "our house is too small" or "our car is a real clunker so we need to buy a brand need one to "save" on repair costs ( a huge myth, by the way!). If you can afford these things, by all means, buy them. If you can't afford those things, find a way to make more money or learn to be happy with what you have.
Frugal living
Franchising is a great opportunity to take a tried business plan that has proven successful and run a business of your own on that model. Of course, there are rules that must be followed and fees that must be paid, but in the long run buying a franchise that has already established itself in the market can be a very lucrative business. However, buying a franchise can be very expensive, which limits the individuals who are actually able to afford buying a franchise in the first place. But, there are some small business opportunities in franchising that do not require huge investments. This opens the window of opportunity for many other individuals to get in on a franch
You need some pens because you are running short so you take a handful from a store that is giving them out. This is stealing. If you take one, that's fine. Unless they tell you to take them all, it is tacky to take a large number of them. They're offering them simply as a courtesy.
You buy an item and you use it a few times and then return it because you're done with it. Stealing and lying. You probably won't tell the sales clerk you just needed to use it for a few times and even if you do, that's only OK if it is a rental store. If an item breaks, doesn't work or is not the right color, it is fine to return it. If you just needed it "for a few times" (like a dress for a special occasion) and know you won't use it again, you're stealing if you return it.
If you eat a food item with a guarantee on the box and it tastes nasty, return it. That's why they offer a guarantee. If you eat the entire contents of the box first and return the mostly-empty box, it probably wasn't actually nasty.
If you try to pass off your 14 year old child as a 12 year old so that you only have to pay for a child's meal, you are lying and teaching your child that lying is good when it benefits you.
If you go to a restaurant where it is customary to tip, tip the customary amount (usually 15%) if the service is reasonably good. If you get good service and fail to tip, you are stealing from the server. If you can't afford the tip, go to a restaurant where it is not customary to tip (like a fast-food restaurant). If your whole family shares one entree and your kids leave a mess of ground up crackers reaching out eight feet from the table in every direction, don't just tip on the one entree. Tip on the work you create for the server.
If you find a "great deal" that you can't live without but you don't have the money in your checking account, don't write a check. Let it be the "one that got away" If you knowingly write a bad check, you are stealing and lying.
If you find a "great deal", buy it and then hide it from your husband, you're lying (unless it's his birthday present ;-). If you have to hide it, you know you're doing something wrong.
If you charge up your credit cards with frivolous things like shopping and eating out and then declare bankruptcy, you are stealing from the credit card company and from everyone who does business with that company. Bankruptcy is intended to help people who end up financially strapped because of reasons beyond their control, like catastrophic medical expenses or the death of a spouse. It is unethical to declare bankruptcy because you went on a shopping spree, because you bought something you couldn't afford when you bought it or because you decided to change careers and no longer want to pay the student loans for your old career. You signed that piece of paper when you purchased the item saying you would pay them back and you didn't. It's up to you to pay them back any (legal :-) way you can, even if it does mean feeling "deprived" for a time.
One more thing about bankruptcy: It is unethical to incur lots of debt "keeping up with the Joneses" and then go bankrupt because the debt is so large. Many people look at others and say to themselves, "Those people are the same age as me. I work hard. I deserve that too." or "our house is too small" or "our car is a real clunker so we need to buy a brand need one to "save" on repair costs ( a huge myth, by the way!). If you can afford these things, by all means, buy them. If you can't afford those things, find a way to make more money or learn to be happy with what you have.
Frugal livin
Ebay is a wonderful place to shop for new or used goods at prices that are easy on the wallet. It is the premiere online auction site where people list items that they want to sell, and is responsible for bringing millions of buyers and sellers together. Think of it as a huge, virtual garage sale where you can buy almost anything. If you’ve shopped for anything on eBay, you know firsthand how exciting it can be – placing a bid, watching the competition, and anticipating your winning bid. But there is another side of eBay that you may want to experience.eBay SellingYou have probably heard of some people who make six-figure incomes selling produ
If you try to pass off your 14 year old child as a 12 year old so that you only have to pay for a child's meal, you are lying and teaching your child that lying is good when it benefits you.
If you go to a restaurant where it is customary to tip, tip the customary amount (usually 15%) if the service is reasonably good. If you get good service and fail to tip, you are stealing from the server. If you can't afford the tip, go to a restaurant where it is not customary to tip (like a fast-food restaurant). If your whole family shares one entree and your kids leave a mess of ground up crackers reaching out eight feet from the table in every direction, don't just tip on the one entree. Tip on the work you create for the server.
If you find a "great deal" that you can't live without but you don't have the money in your checking account, don't write a check. Let it be the "one that got away" If you knowingly write a bad check, you are stealing and lying.
If you find a "great deal", buy it and then hide it from your husband, you're lying (unless it's his birthday present ;-). If you have to hide it, you know you're doing something wrong.
If you charge up your credit cards with frivolous things like shopping and eating out and then declare bankruptcy, you are stealing from the credit card company and from everyone who does business with that company. Bankruptcy is intended to help people who end up financially strapped because of reasons beyond their control, like catastrophic medical expenses or the death of a spouse. It is unethical to declare bankruptcy because you went on a shopping spree, because you bought something you couldn't afford when you bought it or because you decided to change careers and no longer want to pay the student loans for your old career. You signed that piece of paper when you purchased the item saying you would pay them back and you didn't. It's up to you to pay them back any (legal :-) way you can, even if it does mean feeling "deprived" for a time.
One more thing about bankruptcy: It is unethical to incur lots of debt "keeping up with the Joneses" and then go bankrupt because the debt is so large. Many people look at others and say to themselves, "Those people are the same age as me. I work hard. I deserve that too." or "our house is too small" or "our car is a real clunker so we need to buy a brand need one to "save" on repair costs ( a huge myth, by the way!). If you can afford these things, by all means, buy them. If you can't afford those things, find a way to make more money or learn to be happy with what you have.
Frugal livin
People prefer to take an unsecured loan because they can borrow this loan amount without offering any security to the lender. Now, such loans entail a greater degree of risk for the lenders, so they charge a high interest rate. However, due to stiff competition among the lenders, you can get a loan on competitive rates.With an unsecured loan, if you fail to keep up the repayments, then the lender can’t repossess your home or the property which you have kept as collateral. But, the lender can take legal steps against you in case you don’t repay the loan amount.Unsecured loans are more expensive, as you have to pay higher interest rates as compared to its
If you find a "great deal" that you can't live without but you don't have the money in your checking account, don't write a check. Let it be the "one that got away" If you knowingly write a bad check, you are stealing and lying.
If you find a "great deal", buy it and then hide it from your husband, you're lying (unless it's his birthday present ;-). If you have to hide it, you know you're doing something wrong.
If you charge up your credit cards with frivolous things like shopping and eating out and then declare bankruptcy, you are stealing from the credit card company and from everyone who does business with that company. Bankruptcy is intended to help people who end up financially strapped because of reasons beyond their control, like catastrophic medical expenses or the death of a spouse. It is unethical to declare bankruptcy because you went on a shopping spree, because you bought something you couldn't afford when you bought it or because you decided to change careers and no longer want to pay the student loans for your old career. You signed that piece of paper when you purchased the item saying you would pay them back and you didn't. It's up to you to pay them back any (legal :-) way you can, even if it does mean feeling "deprived" for a time.
One more thing about bankruptcy: It is unethical to incur lots of debt "keeping up with the Joneses" and then go bankrupt because the debt is so large. Many people look at others and say to themselves, "Those people are the same age as me. I work hard. I deserve that too." or "our house is too small" or "our car is a real clunker so we need to buy a brand need one to "save" on repair costs ( a huge myth, by the way!). If you can afford these things, by all means, buy them. If you can't afford those things, find a way to make more money or learn to be happy with what you have.
Frugal livin
Where is the best place to find an accounting job? Every time I have ever had to look for a job it has been difficult. It isn't so much that there aren't jobs out there, but it is a matter of finding the ones that are. To find an accounting job, you will want to use three main resources: the internet, the local paper, and an employment service or headhunter. Here are some tips that may help you in your search for that accounting job you want.
The first thing to do in getting your accounting job is to look online. There are a number of job sites on the internet that can help you. Most of them will allow you to sort job openings by location. Then, you can searc
One more thing about bankruptcy: It is unethical to incur lots of debt "keeping up with the Joneses" and then go bankrupt because the debt is so large. Many people look at others and say to themselves, "Those people are the same age as me. I work hard. I deserve that too." or "our house is too small" or "our car is a real clunker so we need to buy a brand need one to "save" on repair costs ( a huge myth, by the way!). If you can afford these things, by all means, buy them. If you can't afford those things, find a way to make more money or learn to be happy with what you have.
Frugal living is about making good financial decisions. There are so many things you can do to spend your money more wisely, so when you think you can get a "good deal", but it requires doing something that hurts someone else, pass it up.
Whenever you're in doubt about whether something is ethical, ask yourself if it would be OK with you if the situation were reversed and you were the person potentially coming up short. Be honest. We've all heard "Do unto others as you would have them do unto you." If you would object to others doing it to you, you better look for a better way to save.
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