Gwenypics/Flickr
I’ve been feeling generous towards a low-income friend lately. Not that he needs any help, but I am able to give it. I’m not interested in giving this friend a loan, but I’m considering subsidizing various activities with him, like picking up the lunch tab or treating him to a movie.
The prospect of giving gifts to a friend outside of Christmas, birthdays, and special occasions makes me nervous. Is this even appropriate? Will I hurt his pride? I called etiquette expert Nancy Mitchell for tips. Here’s what she advised.
What are the rules when it comes to giving gifts to friends?
I think the number one rule is to know the friend and know how to proceed. Would the person be wiling to accept things or is the person extremely proud and you’ll have to use subterfuge?
Let’s start with the person who may be very proud and not be willing to take what they think is charity. You can call them up and say, I got a gift certificate to a restaurant or theater. I would love to have you come with me, are you available? They might not have to know you went out and bought the gift certificate yourself.
Or say, Someone gave me two tickets to the hockey game. Would you like to go? If you had a friend who had children, give child care once and a while. I’d love to babysit sometime. Can I babysit and give you an evening out? Or say ‘I’ve got too much of a certain product. Pass things on, share some of the wealth. Offer to share frequent flyer miles.
Is it ethical to give gifts like this to friends who, if they knew the whole story, would say no?
I think it is because you don’t have an ulterior motive. You are giving from your heart and you are showing great sensitivity to someone’s situation. It’s not going to hurt anyone, it’s going to help.
What are the no-nos of giving?
You would never let anyone in on the secret. It’s between you and whoever is the recipient. Because if the cat got out of the bag there could be some hard feelings.
What about if your friend is open to receiving gifts? (more…)
Reader Debra wins my review copy of Creative Unemployment: How To Transcend Job Loss
I would love to read this book. I have been looking for work since the end of April – it is very emotionally draining.
I hope this book helps you get through this difficult time, Debra. If you missed my review of the book, author Harlan Kidwell Jr. focuses on the emotional journey that follows getting laid off. One thing that comes up often – even when you have a job – is how to talk about money with friends who want to spend more than you do. Socializing can be a minefield when you are cutting back!
To reduce spending, go over your budget again or attend a totally free swap meet.
FruitsAndVeggiesMoreMatters.org
Here is an updated list of in-season fruits and vegetables, which are almost always cheaper than buying out-of-season produce. Greater supply…lower prices. The price of items on the winter fruits and vegetable list will be rising.
This list comes from FruitsAndVeggiesMoreMatters.org. Almost all of these spring fruits and vegetables are familiar to me, unlike many of the items on the winter fruits and veggies list.
In-season produce for March, April, and May
Apricots
Artichokes
Asparagus
Belgian Endive * this is good fresh or lightly sauteed with olive oil, salt, and pepper
Broccoli
Butter Lettuce
Chayote Squash
Cherimoya
Chives
Collard Greens
Corn
English Peas
Fava Beans
Fennel
Fiddlehead Ferns * no idea what this is – any recipe suggestions?
Green Beans
Honeydew
Mango
Morel Mushrooms
Mustard Greens
Oranges
Limes
Lychee
Pea Pods
Pineapple
Ramps * again, I have no clue what this is – any ideas?
Rhubarb * pictured above
Snow Peas
Sorrel
Spinach
Spring Baby Lettuce
Strawberries
Sugar Snap Peas
Swiss Chard
Vidalia Onions
Watercress
Click on the items that are underlined in blue for recipe suggestions and fun facts about the fruit or vegetable. Did you know Chayote Squash is a good source of vitamin C and will keep for up to a month if refrigerated in a plastic bag? Or that you should never eat Rhubarb leaves? Deep red Rhubarb stalks are sweet and rich. Unlike some produce, size does not indicate tenderness.
A longtime reader sent me this series of photos depicting origami using one dollar bills. It is incredible! These paper figures are apparently made by an artist named Won Park, who does amazing things with paper. (Thanks to reader Andy for sharing Won’s homepage!)
The email forward that is circulating the web says “Origami is the traditional Japanese art of paper folding. The goal of this art is to create a representation of an object using geometric folds and crease patterns preferably without the use of gluing or cutting the paper, and using only one piece of paper.
“Won Park is the master of Origami. He is also called the “money folder”, a practitioner of origami whose canvas is the United States One Dollar Bill. Bending, twisting, and folding, he creates life-like shapes in stunning detail. Be sure to see his home at the end of the art.”
One Dollar
One Dollar Butterfly
One Dollar Camera
Two Dollars Battle Tank
Two Dollars Chinese Dragon
One Dollar Crab
There are another 10 origami images after the jump. (more…)
This post is brought to you by PlayMe.com, which provides free streaming music from their catalog of more than 2 million songs.
Below is a guest post from Abby who blogs about her personal observations, including ocassional posts on coupon clipping. Abby grew up in Kentucky, works in PR, and is a very spunky gal. Below she explains how she used coupons to get a cart full of groceries for 57 percent off!
During my last trip to Kroger, I got $71.79 worth of groceries for $30.98. 25 items—all ones I like and won’t waste—at an average cost of $1.24 each.
I’m the Coupon Queen. It’s a terrifying, exciting spectacle to behold. And I’m here to say that if you shop regularly at Kroger, and you don’t use coupons, you’re being crazy with your money.
(Why Kroger? Given my current city of residence and based on three-plus years of shopping around at each available area retailer, Kroger is my favorite because of selection, location, and they double coupons up to 50 cents.)
Manufacturers use coupons for promotion of an item and may sometimes work with retailers to slightly increase the price of a product. While consumers still save, manufacturers don’t “lose” as much. And retailers don’t lose anything, as far as money. If you’ll notice on your coupons, there’s a note to the retailer with instructions for sending them back to the manufacturer for reimbursement. (It would be interesting to see statistics for retailers doing the work to get their money back. I bet those coupons are transported in armored cars!)
So how did I get my groceries for almost 60 percent off? Here are my rules:
- Seek out coupons: Sunday newspapers, magazines, coupon Web sites, product Web sites (I’ll list my favorite coupon Web sites below)
- Before you go into the store, pull out the coupons you want to use for only the items you need (saves time in the store AND it helps you stick to your list)
- At the same time, take all your coupons inside the store, just in case there’s a fantastic deal on an item you don’t need, but you kind of want to try and you know you’ll use, and it’s so cheap you have to buy it. Just keep separate stacks. But you rarely dip into this second stack.
- Make time for shopping: I spent 1.5 hours buying 25 items. I realize not everyone has the luxury of such browsing, but if you really want to save money, you’re going to have to find the time.
- In order to really save, you have to purchase items that are on sale AND that you have a coupon for. Example: a few weeks ago, a brand of 12-grain bread was 3 loaves/$5. I just needed one at $1.67/loaf. I had a 50-cent coupon, doubled, and I got my loaf of bread for $0.67. Yummy.
For this recent trip, I used manufacturer’s coupons and my Kroger card, of course. In addition, Kroger was having a promotion within their store: mix and match 10 participating items and get $5 off your entire order (50 cents off each of the 10 items). Oh, and don’t forget, coupons up to 50 cents are doubled.
Let’s break my shopping cart down:
*note: even among remembering coupon values, doing math late at night and deciphering my receipt, the margin of error for the figures below still is pretty minimal.
4 – 24 oz bottles of Propel water (2 black cherry, 2 peach mango)
On sale with Kroger card: .99/bottle
Mix and match promo: .49/bottle
Manufacturer’s coupon: -1.00/4 bottles
Final cost: $0.24/bottle
This is a guest post by Nicole of Nicole’s Nickels, a great coupon blog that I’ve been a fan of for awhile. I interviewed Nicole months ago about how to make money as a mystery shopper. Now she’s back with advice on how to make money doing online surveys.
If you’re looking for ways to earn some extra money each month from the comfort of your own home, online surveys may be just the thing for you! I have been doing surveys for over a year now and earn approximately $100 per month. It’s certainly not enough for me to retire but it is my gas money that I don’t have to worry about!
I love that I can sit in my pjs or while I watch TV and earn money. You can also get product tests from doing surveys where they send you not yet released products to report back about. There are a lot of survey sites out there and I am signed up with over 30. I only blog about the ones I have had no issues with.
Before signing up with your first survey company, get a new separate email address for surveys only (I use gmail). I don’t get any spam in my surveys email account but I do get a lot of survey invites which could clog your inbox. All of the survey companies I blog about are completely free to sign up for. Remember, they are paying YOU for YOUR opinions!
Many surveys are looking for people that fall into certain demographics so you won’t qualify for every survey you do. I qualify for approximately half of all surveys I attempt. Don’t get hung up on why you’re not qualifying, it’s just the way it is.
Each survey company handles payment differently. Some pay in cash while others may pay in merchandise. Read the terms and conditions as you sign up to make sure you understand how you’ll be paid and if there is a minimum amount to be paid. I make an effort to redeem every month so I can maximize my monthly earnings.
Here are 6 survey companies I recommend:
My Survey
HCD Surveys
Ipsos-I-Say
Opinion Outpost
Global Test Market
Toluna USA
To read more about the survey companies I am signed up with, check out the survey page on my blog, Nicole’s Nickels.
