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Are Mortgages a Risky Business?
A bank or mortgage company is nothing more than a box in which to keep money. The owner of the box has to do a few calculations. Firstly, how much is he going to offer those people who deposit cash in his box, in return for such a deposit? Secondly, how ...
Finance Your Small Business: So Much Money – So Little Time
$47.4 million venture capital funded projects today. $86.4 million yesterday. $51.4 million the day before.These amounts are not made up. They are actual numbers from actual reported venture capital funding. I get these notices emailed to me day after ...
How Creative Intelligence Alliances Can Help You Grow Your Business
Who do you report to when you are the boss? How do you deal with unmotivated days, or those times when you feel overwhelmed?Successful people have known how to deal with these pressures for a long time.In the early 1900s a man named Napoleon Hill studied ...
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One evening I was shopping with my family at Wal-Mart loading up on family stuff and I couldn’t help but notice that the same 100ct (or very similar) manila folders that I paid nearly $7.00 for several hours earlier at Officethat were available at Wal-Mart at an everyday low price of $1.77. Now, I never claimed to be a genius but a $5.00 difference on a product that I buy 5 boxes of a month is a $25.00 a month savings. That of course is $300 a year. I quickly realized that I was on to something but I figured it was just a fluke. I had also bought a new water bubbler and a mini bar type refrigerator earlier and they both cost $149.00 each so I figured I would go and check out that aisle as well. I couldn’t believe my eyes when I found a water bubbler/mini fridge combo for only $99.00. Of course I bought it on the spot and when I got back to my office the next morning I repackaged the fridge and water bubbler and back to Officethat they went with five boxes of manila folders and a few other overpriced items and I saved more than $225.00. Not too shabby. And to think that this was only one trip over the past ten years. How much could I
have been saving the whole time?
When I try to mention this finding to people in my local business community I hear things like “who cares, it’s all a write off anyway” or “you should buy American”(as if these office superstores are all loaded with American made products.) These are both some of the worst excuses for spending way too much money for no reason I have ever heard. It is all a write off but saving several hundred dollars a month on office products allows more flexibility in other areas of my business. As far as the old “Buy American” thing, this one makes me laugh; I would literally have to hire a full time employee to determine what is made here and what isn’t. I usually just respond with something like “I’ll buy everything American if you start buying American gasoline or start riding your bicycle.” I am as American as the next person whose ancestors came over on the Mayflower but the bottom line is that when I am done with my office supply purchases now I have a lot of money left over.
Don’t get me wrong, I still use the office superstores for certain items when I don’t have time to go into a department store (they are convenient) and for one or two small items it is worth paying more. When I need to fill my supply cabinet, on the other hand, I will surely take a trip to Wal-mart, K-mart or even Target to save literally a bundle of cash. I simply don’t care how neatly organized the office goliaths are because with a little more effort you can find everything you need for your office and a little more while saving hundreds of dollars at a department store.
Copyright 2005 Affordable Concrete Cutting, Inc. All Rights Reserved
About the Author
Affordable Concrete Cutting services the contractor and homeowner in and around Boston and Eastern Massachusetts. We specialize in cutting doorways in concrete foundations. Visit our website at www.affordableconcretecutting.com
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