Rich People & Coupons – A Chicken and Egg Question

My grandparents used to save pieces of string. They would fold up tin foil, put it in the drawer to be re-used. They lived very simply and frugally. My grandparents were young adults during the Great Depression. It changed their lives permanently. They were also quite well off financially. Defies logic. 

 

I have recently read that higher income people (over 70K/yr) use coupons frequently and conversely, low income people hardly ever use them. Now I grant you that 70K can hardly be classified as “rich” in today’s world but there is enough of a difference between the two income groups that it too defies logic. You would think low income people would eagerly embrace using coupons to gain any advantage they can, and that people with a comfortable income would not feel the need. But such is not the case.

Like the old mind-twisting question, “which came first, the chicken or the egg”? I wonder, did rich people become rich by using coupons? Or did they start using coupons only after becoming rich? In other words, were they using coupons even when they were poor? Which came first, the coupons or the rich? 

 

There used to be a commercial on TV for Midas Muffler in which a rich miser guy would drive up in his old car, asking about the guarantee, the clerk would say, “What is a man with your money worried about a guarantee for?” To which the old millionaire would reply, “How do you think a man like me got to BE a man like me?”

In my opinion, I think probably it boils down to attitude, a mindset. I think having an attitude of being careful with money, taking advantage of every coupon they can find, starts in people and eventually these type of people become rich. It’s an attitude of not throwing away money, of understanding that the time spent clipping coupons saves way more than it costs. These types of people would rather spend the money on other things that they enjoy. I contend that people who develop the habit of using money wisely are the ones who become rich. The poor stay poor because they continue to make bad choices. No one holds you down, in this country we are free to break out of our circumstances but it takes work, no one is going to hand it to you. The American difference is we have the freedom to move from lower to upper class. Everyone faces prejudices of one sort or another. Feeling sorry for yourself or using an excuse is a cop out. Why allow anyone else’s attitude toward you to hold you back? Why give them that power over you? 

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Lenovo Laptop Deals Guide – An Introduction to the Lenovo Brand & Way to Save With Special Offers

The Lenovo brand can be traced back to Hong Kong in the mid 1980s. The company bought IBM's PC division, including the ThinkPad line, and has been developing and manufacturing reliable, cutting edge quality personal computers, business computers, and other electronics ever since. Today, with so many products on the market, it's pretty easy to find Lenovo laptop deals. No matter what kind of laptop you want to buy, you can trust that there will be some type of discount available for it.

Due to its high number of mergers and acquisitions, Lenovo is now the world's largest PC vendor. In addition to personal computers, the company also sells tablets, workstations, smartphones, IT management software, storage devices, smart televisions, servers, etc.

The laptops are often given high scores by personal users and businesses alike. They are constructed from durable materials and put through rigorous testing to ensure durability. These machines are also known for having long-lasting battery life (12+ hours per charge).

Lenovo laptop deals are easy to take advantage of, regardless of whether they come in the form of a promo code or e-coupon. When you see an offer yow ant to use, make sure you read the fine print so you'll know exactly what it can be used for, and how it can be used. Typically, you'll only have to click on an e-coupon to get it to activate. However, in some circumstances, you might want to manually enter a promo code into the order form during the checkout process.

How to Apply Lenovo Laptop Deals

A lot of e-coupons apply to specific models or accessories. The most commonly discounted items are laptops, although you will sometimes find deals on desktops as well. For general store discounts, be on the lookout for promo codes. You might also sometimes come across deals to help you save on shipping and handling. For general store discounts, read carefully, as you may be expected to spend a minimum amount of money in order to be eligible for a certain offer.

Make sure the promo code or e-coupon is being applied properly. After adding items to the cart and clicking through the warranty and customization items, you'll come to the checkout page. Underneath the cart summary section there is a box for adding e-coupon information. Just enter it and hit "apply", and the discount should appear in the subtotal. If it doesn't, then the offer might not be available anymore.

There are many reasons to invest in a Lenovo laptop. You can count on it lasting for a long time. It can be customized in a variety of ways to suit your computing requirements. Never turn down a chance to save with Lenovo laptop deals.

What kind of Lenovo promo codes and coupons are available this week? There are always ways to save a bunch of money with Lenovo laptop deals . Also, be on the lookout for special offers for the accessories you'll need with a new laptop.

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Menu Planning & Stock Piling Together

As part of being a frugal shopper and ‘coupon queen’, saving money goes beyond the transaction at the grocery store. There are at least two very other important aspects that go hand-in-hand that help me be a good steward of what God has entrusted to me.

Simply put, they are stock piling and menu planning.

First, stock piling occurs when I find an item on sale at a low price, combine it with a coupon, and buy the item in great quantity (as many coupons as I have on hand for that item). For example, Ragu pasta sauce was recently on sale at Walgreens. In combination with the sale, if you purchased 8, you also received a Register Rewards. I pulled out 8 coupons for Ragu, and I purchased them, getting the sauce for around $.38 a jar. At the same time, I noticed another store had pasta on sale, for which I also had an abundance of coupons. I was able to stock up on the pasta for a mere $.50 a box.

Now, there are a few necessities when stock piling. The first would be coupons. Secondly, would be space. You’d be amazed at how much space you do have, when organized. Thirdly, you need to know prices. For beginners, this may require keeping a price book. Or for others, you are seasoned veterans here, and can recognize a good deal easily. And lastly, is the financial aspect. My advice to beginners is to begin slow, possibly stock piling only one or two items a week. It’s a building process. Don’t put a shock to your budget (or wallet) by trying to do too much too quickly. Know that sales are cyclical, which means the item will be on sale again. Watch for it the next time, have your coupons ready and then purchase it at a fraction of the cost.

Now as for menu planning. Some may think that these are two unrelated topics. But, in reality, they work together. I believe that menu planning is vital for the frugal shopper. It is important that you know what you need to provide meals for your family. To begin, make a list of what meals your family enjoys. Then make another list of what ingredients are required to make these meals. Now you know what to look for in the sales flyers in the coming weeks.

I always print a blank monthly calendar off my computer. As I sit to decide the meals I will prepare for the upcoming week, I always fall back on my stock pile. For example, if I know I have pasta and sauce (which you know I do!), then know for sure that at least one night we will have spaghetti, ziti, lasagna, etc…. This is how the two methods work together. I know what I have on hand, I know what’s on sale, and I know what meals will fit for this week.

I know this may sound like it requires a …

Kano Model & Critical-To-Quality Tree

Developed in the 80’s by Professor Noriaki Kano, the Kano model is based on the concepts of customer quality and provides a simple ranking scheme which distinguishes between essential and differentiating attributes. The model is a powerful way of visualizing product characteristics and stimulating debate within the design team. Kano also produced a rigorous methodology for mapping consumer responses into the model.

Product characteristics can be classified as:

Threshold / Basic attributes

– Attributes which must be present in order for the product to be successful, and can be viewed as a ‘price of entry’. However, the customer will remain neutral towards the product even with improved execution of these threshold and basic attributes.

One dimensional attributes (Performance / Linear)

– These characteristics are directly correlated to customer satisfaction. Increased functionality or quality of execution will result in increased customer satisfaction. Conversely, decreased functionality results in greater dissatisfaction. Product price is often related to these attributes.

Attractive attributes (Exciters / Delighters)

– Customers receive great satisfaction from a feature and are willing to pay a price premium. However, satisfaction will not decrease (below neutral) if the product lacks the feature. These features are often unexpected by customers and can be difficult to establish as needs during initial design. They are sometimes called unknown or latent needs.

Next, we organize customer needs into a Critical-To-Quality tree

The purpose of Critical-To-Quality trees is to convert customer needs/wants to measurable requirements for the business to implement.

For example: A retail merchant was receiving a significant number of complaints regarding their homeowner warranty policies from their customers. By analyzing customer survey data and developing the CTQ tree, the business was able to identify critical-to-satisfaction requirements. These requirements became the focus for improving customer satisfaction. The business eliminated mandatory warranty visits and made all warranty visits optional. Eliminating mandatory visits satisfied the customers who thought there were too many visits and adding an extra optional visit satisfied customers who thought there were too few visits. Expanding the time frame for scheduling warranty visits from two weeks to three months eliminated the inconvenience for customers who had busy schedules and found the time frame difficult to manage.

The business took a general, difficult-to-measure need (to improve homeowner warranty satisfaction) and developed specific, measurable, and actionable requirements to drive improvements in customer satisfaction.

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Lenovo Discount Coupons For 2018, Product Guide, & Company Overview for Online Shoppers

The Lenovo that we all know today has been around since 2004. However, the business itself has been around for a good twenty years before that, going all the way back to 1984 in Beijing, China. The brand specializes in quality computer products for the business and educational sectors, although many consumers use the notebooks, tablets, and smartphones for personal reasons as well. It's always a good idea to buy the products at the company online store, where Lenovo discount coupons are accepted.

Discounts are usually available for computers and accessories through instant savings. Sometimes there are deals on specific products and sometimes there are general discounts to help you reduce the overall total of your order. You may or may not be required to spend a minimum amount of money in order to qualify for Lenovo discounts.

Notebooks are the most commonly discounted product type, followed by all-in-one PCs or desktops, tablets, accessories, and servers. Most coupons will give you a certain amount of money off of select ready-to-ship PCs. If you're not happy with the configuration of the PC, make sure you can still use the coupon if you make any upgrades.

It's important to note that most of Lenovo discount coupons do not stack with existing discounts. This means that if you find a good coupon or promo code, there is still a chance that it might not work on your order if you are already getting a discount of some type. This isn't always the case, however. All you have to do is read the terms and conditions. If you can't find the details, simply try to enter the coupon information in the order form to see if it reduces the total price. If it doesn't, then try another offer until you find one that helps you save the most money altogether. THEN you can finalize the order.

Lenovo Discount Coupons – What Else Are They Good For?

Lenovo sells more than just laptops, desktops, and tablets. The company develops and sells computer accessories, servers, and business services. As mentioned above, it doesn't just cater to the business and educational sectors; There are products available for entertainment purposes, such as VR-ready accessories and gaming laptops.

In general, these products receive overwhelmingly positive reviews from users. Not only are they of excellent quality, they are also affordable – especially when Lenovo discount coupons are used. No matter what kind of PC or product you want, you can expect to get a good deal. Lenovo is renowned for its excellent customer support.

Are there any Lenovo discount coupons you can benefit from? There is a high possibility that there are, no matter what you plan to buy. If you're having trouble deciding on a PC, just read Lenovo reviews on various laptops and desktops to learn more about your options.

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Expedia Flight Discount Code Overview – All You Need to Know About Travel Deals & Savings

It’s no secret that Expedia offers amazingly low-cost airfare and travel deals. You can easily search for airfare to any destination in the world, and book a budget hotel with it. Save even more money by using an Expedia flight discount code. Did you know that this company owns and operates a variety of travel booking sites in over 70 countries? Wherever it is you want to go, there is no need to spend a lot of money.

The great thing about booking through Expedia is that it offers a lowest price guarantee. If you find a cheaper plane ticket elsewhere within 24 hours of booking your flight, you will get a refund for the difference. Just use the Price Guarantee checklist to make sure you qualify.

There are so many nice places you can go to. Expedia offers flights to all of the popular destinations like Orlando, Hawaii, Paris, Tokyo, Singapore, Las Vegas, Cancun, the Bahamas, Alaska, Egypt, etc. The prices are among some of the cheapest you will find.

If you’re wondering how the site works, it’s very easy. Just use the search function to tell Expedia when and where you want to travel. There are options to search for airfare by itself, airfare with a hotel room, airfare with car rental, or all three. You’ll be presented with all of the available options for travel during the dates you specified. You can filter the results in a variety of ways that suit your travel preferences. When you find an itinerary that you want to book, there will be an option to enter the Expedia flight discount code or any other coupon you think will help you.

Some coupons are good for flight + hotel packages or all inclusive packages. There might be requirements such as a minimum amount of money spent for the package or certain number of nights at the hotel. This type of offer knocks money off of the overall price. The amount of money you save varies depending on the package.

As with any internet deal, it’s important that you read the fine print to ensure that you understand the rules. If you use an Expedia flight discount code on your upcoming trip, will there be an opportunity to get a refund if something happens and you have to cancel later? What kind of baggage policies does the airline have? It’s also important that your entire trip is on a single airline, even if there are connections.

Where would you like to go on your next vacation? A nice beach somewhere? An exciting city with tons of shopping opportunities? An adventure somewhere with ancient ruins to explore? You can get there without spending too much money by using an Expedia flight discount code. You might also want to look into Expedia hotel coupons.

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Discover How to Become Rich, Famous & Successful With a Modeling Career

The road to becoming rich, famous and successful in modeling is not for everyone though. In the old days you had to be extra extra skinny in order to become a rich and famous model. Today however there are far more modeling avenues that entice many looks and body types.

You may have looked at a fashion magazine and have a pretty good idea of what modeling is. To get a good look into the requirements of modeling you may want to catch an episode of Americas Next Top Model. Most of the models on the tv show are high fashion models, but you may be wanting to get into another type of modeling like plus size industry. Modeling is everywhere we go and look. Only you know what kind of model you could be but be truthful with you self.

Before you jump into pursuing a modeling career you need to make sure your are doing it for the right reasons. If not you will misguide yourself and will not make it to where you want. If you think modeling is a good way to jump start your singing or acting career you best think about it again. People with this attitude rarely make it very far in modeling. All the top modeling professionals frown upon people like this everyday. To become rich, famous and successful in a modeling career you will need to have dedication and passion.

If you are male you will need to step outside of your shell to succeed. You see more female models than you do male models. Do not let this get you down by thinking you have to display big muscles. Modeling has went through many changes since the early days. Over time new genres, styles and looks have been added with even more on the way. You just might have that new style consumers are trying to find. You just never know in our ever changing world.

To be successful in a career of modeling you will need a high level of self confidence and ambition. No matter if you are female, male or what your body type is. When you enter into modeling you will have to work extra hard to be be transformed into a popular well known face. Be careful not to get ties up with an agency that does not treat or handle their clients honestly and respectfully. Every good agency will not need you to give them money. They will earn money once you land your first modeling gig.

When you find open calls make sure you go and do not talk yourself into not going no matter what you are thinking. Just do it. You see an open call is just as good as open houses where interested models are invited to be interviewed. You need to dress in clothing that will exhibit your body type and features. You will also want to pick an outfit out that is fashionable. This is your chance to …

Fashion Tips & Advice to Improve Your Lifestyle

It will typically describe our attitudes, interests and is a big part of our personal identities. In the media the term lifestyle is used a huge number of ways. From health to financial it has a varied meaning throughout many areas of our lives.

In the media the term was actually introduced in the 1950's and at the time it was used to describe a certain style or art. Since its introduction we now all use the word to determine where we are in society and the lifestyle we choose to follow will ultimately lead us on our own separate and varied paths.

We are all looking for ways to improve our lives and we are constantly given tips and advice on how we may get healthier or how we can improve our fashion or style. With all of the different places offering advice, it can be confusing and conflicting. Some people may turn to magazines or friends and others will look for online information via blogs.

Looking to improve your lifestyle in any form can be a big decision and for a lot of people it will come down to wanting to change they way they look or eat. Choosing a healthier way of life has become a top priority for most people as we all seek out the best place for advice and to teach ourselves the skills we need to achieve our health goals.

Looking online at blogs for fashion advice and tips is often a great starting place, we have the chance to find out about a range of different subjects, often covered by extremely passionate people. For example if you decide you want to get fitter, you will be able to go online and find out about the best exercise plan for you, all of which will eventually help you improve your health and fitness levels.

Fashion is another place we often look to when we want to enhance our lifestyle. Clothes have the innate ability to make us feel special, confident and unique or individual. Many of us do not take the time to think about buying clothes that suit our personalities and finding inspiration and advice from an expert can be a liberating experience.

When you are able to walk down the street and feel confident and happy in what you are wearing, it can have a hugely positive effect and essentially has the power to enhance your lifestyle. Confidence will allow you to make other decisions in your life that may have seemed unachievable before. Even something as simple as treating yourself to that new jumper can make you feel better and happier within yourself.

The expression 'fashion is passion' is very true for so many people and we are all spoilt for choice in finding clothes and shoes we want to wear. Fashion has the power to connect friends, join communities together and make us all feel happier and comfortable about who we are and how we express ourselves.

Fashion really …

Women & Chocolate

Sinful is how women has always described chocolate. But despite so, do you know that 99% of all women love chocolate and that they may actually prefer chocolate more to than to sex?

What exactly about chocolate is it so wonderful? Well, in fact it is not just the women who love it but almost everybody would love it too. I believe you enjoy chocolate just as much? It always feels so nice to have it melted in your mouth, delivering its wonderful taste right through your tongue, does it?

Well its wonderful taste aside, chocolate contains phenylethylamine – the same chemical that is released in your brain when you fall in love; leading to that increase in the pounding of your heart, feeling of a sudden gush of excitement. "Love Chemical" is what some would call it. It is also believed by researcher that phenylethylamine in turn causes the brain to release mesolimbic dopamine in the pleasure centers of the brain, another chemical where its presence is at peak during an orgasm.

Nevertheless, the sweetness from chocolate also triggers the release of endorphins. Think about those blissful feeling you had after a wonderful session of lovemaking. That is the effect from the production of endorphins in your body. Perhaps that is why some women actually remarked that they felt a feeling of elation when eating chocolate.

Well, a perfect gift for your love, chocolate will be. Just like buying roses during Valentine's Day, chocolate can never go wrong. In fact, the both could be the best combination ever. Do you know that roses also contain the "Love Chemical", Phenylethylamine? That explains for its distinct scent.

Giving of chocolate, as gifts of love has been long popular in Japan since the late 1950s. A bit different though; During Valentine's Day, the ones doing the giving are the women instead and usually, chocolates were sent as gifts to confess their love for that special guy. Heart-shaped chocolates would usually be given. To nevertheless balance out this unique custom, "White Day" was later invented in Japan. On 14th of March it falls, one month after Valentine's Day exactly. During this day, guys who received the chocolate will be given the chance to reciprocate their valentine gifts with soft, fluffy marshmallows. This would be the happiest day for girls who receive their fluffy gifts. Isn't it so lovely?

Well, giving of chocolate as a gift of love has today, definitely become more and more popular. Along with the greeting card, your message of love will be delivered. Filled with your most genuine love, each chocolate will contain. Melting one's heart as they melt in the mouth, warming up their heart as sweetness run through their tongue.

Why not send some to your loved ones today, brightening up their day with a chocolate so full of love.

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Meaningful Beauty by Cindy Crawford – Pros & Cons

Meaningful Beauty is touted as the latest in skin care products by super model Cindy Crawford. This product was created more than 10 years ago by founder Doctor Sebagh and Cindy. However the line of products was inspired by her and she specifically sought out the doctor for his program on skin maintenance. This was after she had seen changes in complexion Cindy was on board to sponsor the products. It took many years for the actual line to launch due to testing regulations.

The product contains an anti oxidant that is supposed to come from a rare french melon. This is called superoxide dismutase. The company advertises that this oxide, prevents free radicals from being released in your skin because of the enzyme of the melon. It also contains the enzyme, Coenzyme Q10, which they say activates skin rejuvenation in their products.

The advantages of Meaningful Beauty are that there is a notable story, being how the product was formed, especially with the support of Cindy behind the line. There is also a focus on the anti aging benefits within the products which is what attracted Cindy to the line, initially. The product is also easily available online for purchase from a lot of retailers.

As far as the disadvantages are concerned, firstly there is no detailed information on the formula used in the products. Furthermore, there is need for more studies to back up the claims they make in their advertising. There is still inconclusive evidence as to how much the oxidant from the French melon, will really make a difference in fine lines and wrinkles to prevent the aging appearance.

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