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The benefit is the functionality of cheap web hosts to easily create a web site with only tools for new clients to create a site. Cheap hosting influx of new websites is the primary reason the internet has become a main communication tool. Cheap hosts due to the number of options available for the price, cheap web hosting is and to begin doing business online as well as creating personal and fun pages. Cheap web hosting is a complete directory to search the right web hosting plan for any business. We are focusing on cheap web hosts with plans that are suitable for personal and small business. Cheap web hosting provides an easy to use search tool to web host seekers. Cheap web hosting our search tool allows webmasters to browse through the database and search by price, disk space; bandwidth, based server and various other features, and options. We select the best cheap web hosts and most reliable cheap web hosts from our directory. We compare top of the best cheap web hosting companies in our directory. Cheap web hosting to have selected those plans with low cost, high quality and cheap hosting features. Our database of cheap hosting plans with all their features is always up to date. Cheap web hosts are more plans are already listed and more are added every day. Cheap web hosting with more of webmasters visiting monthly, cheap web hosting is one of the most popular and fastest growing web hosting directories for cheap web hosting services. We are not sponsored or run by any cheap hosting company. The reason for the high affordability of cheap hosting provider is not because they the shared web hosting server. Sometimes size matters also, because cheap web hosts offer limited amounts of disk space for the various features they offer. Cheap web hosts heavy traffic cannot be assured to benefit from a cheap web hosting. In general terms, cheap web hosting is simply a low price hosting package offered by web hosts for webmasters or businesses that do not need high amounts.
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Shopping online is convenient and helps you to save many bucks and get exclusive discounts on many of your purchases. I hope many of you prefer shopping online instead of going to a store and queue up to avail all the discount benefits during holiday seasons when there is huge rush and shopping becomes a havoc. Even manufacturers and sellers are launching their websites so as to sell their products.
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Can you ever know if cheap driving lessons are worse than the expensive ones? All you can do is check the school before you can entrust your child to them. There are many cheap driving lessons around your area that you can easily hunt down. Just make sure to check the driving teachers, the cars and the insurance plan before you sign on any documents.
It is a requirement for all driving schools to be insured against any damages or accidents. All cars, instructors and students need to be completely covered through this insurance. Take a look at the cars and the ask questions; if possible meet the instructor before you sign those papers.
For the written part of your lesson, you can find cheap driving lessons online. Most places offer this facility to reduce your driving lesson rates. If your school offers this option as well to get written part through cheap driving lessons online, it should be safe. This authenticates the school as these test results are then filed with the proper authorities. You get the book everybody else got and can work at your own pace. When you think you are ready for it, move on to the driving portion at the school that offered cheap driving lessons. Probably this is why their costs are way cheaper!
You could also find cheap driving lessons with somebody who does this on the side. Just ask around or check the local paper and you will surely find somebody who knows somebody else who does this.
Whenever you are in doubt of a school offering cheap driving lessons, especially because they do this much cheaper than others – ask them how they do it. You just may be surprised with the answer. Some of them may have a lower overhead so they can afford to offer cheap driving lessons. Even places where instructors work on a part time basis can afford to offer cheap driving lessons.
It is very important to choose your driving school or instructor carefully. If you jump to the first cheap driving lessons you find but end up with a low quality instructor, repeating the exam will cost you more than you bargained for! Remember it is illegal for unlicensed individuals to accept money for instructions; make it a point to check for the registration and license of the instructor from your cheap driving lessons.
When choosing cheap driving schools, make sure you ask all the relevant questions before signing any documents. Information like duration of the classes, instruction periods and the distance to the nearest DMV should be easily answered. If you do not get any answers beyond the fact that you get cheap driving lessons, search some more! Also, some driving schools offer night driving classes and classes in adverse weather conditions as well. When you are out there driving alone, it won't just be in fine weather. Whether cheap driving lessons or not, do inquire about school's policy during adverse weather.
Most of all if you are not really comfortable with your current instructor, do not hesitate to ask for another one. Even when you get cheap driving lessons, you are still paying for an education and you need a good teacher.
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With every holiday season, the price of video games keeps inching upwards. No doubt gamers are constantly looking for ways to find cheap video games. You definitely do not have to pay more to play more!
Here are a few ways to find cheap video games.
1. The best tip for finding cheap video games is patience. Yes, patience! When you let go of that urgent need to play the game the day it is released, you can get the same video game much cheaper a few weeks down the line. It is a common trend for the price of a video game to fall soon after the launch, sometimes within a couple of weeks. If the game was a dud and you still want to try it out, there will be no problems finding it much cheaper very soon though.
2. Ever thought of used video games? Gently used ones make for the best option for getting cheap video games. Mostly the previous owner of the game has beaten the game or did not like it and puts it up for sale. Some of your best purchases can be these used cheap video games.
3. When the holiday season is around, you will find some of the video game retail stores in your area have generously come up with sales and promotions. Keep a close eye on your local stores and you will get cheap video games for much lesser than you hoped for!
4. All papers have websites today so do not forget to check the local papers for a seller of cheap video games. Be on a lookout for discount ads to find the best deals on cheap video games.
5. Another easy way to check for cheap video games online is to check craigslist. When you find that somebody is offering cheap video games, do not hesitate in sending an email with your offer. Nothing comes for free, if you find a free video game there is bound to be a catch! Remember you are out there to get cheap video games and not to expose yourself to a possible scam.
6. Once you have researched every where else and you are decided on what you want to buy and have also checked its retail price, get on to an auction site. This is the best place to get cheap video games. This will surely save you a lot of money and get you exactly what you wanted.
7. Before deciding to buy any cheap video game, why not try it out? This will help you save more as you will not be stuck with games you did not like. Try websites like GameFly or BlockBuster that are rental places costing you about a few dollars per game. This gives you the perfect opportunity to test a game before buying it making it a great money saver even if you were looking for cheap video games.
There are a number of great cheap video games out there; all you have to do is do your research well.
Tents are the most inexpensive way to enjoy camping in the great outdoors and cheap tents make the camping experience all the more affordable.
One of the best places to search for cheap tents is at weekend yard, garage and church rummage sales. Families moving out of town or with children now grown may be willing to part with a deluxe tent model for a song because they are no longer using it! Look in your local yellow pages for the nearest Army Surplus store as a good source for cheap tents. Look on recycling websites on the Internet for folks in your town who may be giving away a tent or willing to barter it in exchange for something you have. Thrift and second hand stores sometimes get a donation of a good used tent that won't put a dent in your budget, so let the workers there know you are on the lookout for a cheap tent. Internet auction sites usually list a good selection of both new and used tents and this is a good resource to start looking for a cheap tent to suit your budget.
Next to purchasing a good used tent with deluxe features at a discount is shopping for a cheaper model at your local wholesaler, sporting goods store or large department store with a section featuring furniture for outdoors.
Realize that a cheap tent might not be completely waterproof or may blow down in hard, steady winds.
They may be made of canvas, polyurethane, or nylon, in an assortment of styles ranging from stand-up and pop-up tents to frame, A-frame, dome and cabin tents, with aluminum or fiberglass poles.
Cheap tents will offer you the least amount of features and amenities and may only last for a season or two. So when determining your budget and the size and style of tent you can afford, ask yourself how much more you are willing to pay for a tent offering more durability and longevity.
the cheap r4i is the latest form of r4 series in the market. Now cheap r4i is making sound in the markets of many countries. Basically the cheap r4i is a handy keychain holder of the nintendo ds. The cheap r4i is available with the latest technology in the market. Now lovers of nintendo ds should opt cheap r4i from the market. Consumers can have cheap r4i in competitve prices from the market. The cheap r4i is a Slot 1 solutions of Nintendo DS applied in various softwares. Consumers should know that now many companies are coming forward for the deliverance of cheap r4i in the market. It is important that the users should know the features of cheap r4i before opting for usage.
The cheap r4i is coming up with high quality, competitive price, fast delivery and efficient service in the market. Mostly users are choosing cheap r4i due to its fast delivery than others in the market. Many brands are producing unique cheap r4i giving competition to their counterparts in the market. Now users can use cheap r4i without any difficulty for playing many types of games in the nds. The cheap r4i is quite affordable in the market. Users should opt right sources for having best cheap r4i from the market. The cheap r4i is a slot 2 version and can be used in nintendo ds for any type of activities. Now the introduction of cheap r4i enabling the users to use them for action replay games in their softwares.
Mostly the cheap r4i is getting used by the users for its varied activities like music, videos and reading of text files. All such activities are stored in the memory card installed in the software through the cheap r4i . These cheap r4i is compatible with all ds editions of varied kinds of languages. The best part of being having cheap r4i is that supports DLDI auto-patching in the devices. Also cheap r4i uses flush fitting slot1 card card. There are various webshops who are involved in the marketing of cheap r4i in many parts of the world. It is highly essential that the user should check the features and specifications of cheap r4i before buying from themarket. Consumers can take the help of online shops in order to avail thebest cheap r4i from the market for their future usage.Now cheap r4i is making sound in the markets of many countries. Basically the cheap r4i is a handy keychain holder of the nintendo ds. The cheap r4i is available with the latest technology in the market. Now lovers of nintendo ds should opt cheap r4i from the market. Consumers can have cheap r4i in competitve prices from the market. The cheap r4i is a Slot 1 solutions of Nintendo DS applied in various softwares. Consumers should know that now many companies are coming forward for the deliverance of cheap r4i in the market. It is important that the users should know the features of cheap r4i before opting for usage.
Now cheap r4i is making sound in the markets of many countries. Basically the cheap r4i is a handy keychain holder of the nintendo ds. The cheap r4i is available with the latest technology in the market. Now lovers of nintendo ds should opt cheap r4i from the market. Consumers can have cheap r4i in competitve prices from the market. The cheap r4i is a Slot 1 solutions of Nintendo DS applied in various softwares. Consumers should know that now many companies are coming forward for the deliverance of cheap r4i in the market. It is important that the users should know the features of cheap r4i before opting for usage.The cheap r4i is coming up with high quality, competitive price, fast delivery and efficient service in the market. Mostly users are choosing cheap r4i due to its fast delivery than others in the market. Many brands are producing unique cheap r4i giving competition to their counterparts in the market. Now users can use cheap r4i without any difficulty for playing many types of games in the nds. The cheap r4i is quite affordable in the market. Users should opt right sources for having best cheap r4i from the market. The cheap r4i is a slot 2 version and can be used in nintendo ds for any type of activities. Now the introduction of cheap r4i enabling the users to use them for action replay games in their softwares.
For more information you need to visit this site cheap r4 card. or also you can check out the latest Nintendo accessories and software regarding games from our website cheap r4ds. You can also check latest updates of DS, DSI, WII accessories and also regarding micro sd cards.
Can You Get Adequate Coverage From Cheap Insurance
Many people now prefer to purchase cheap insurance. A cheap policy can provide several advantages for you. It is easy to obtain and easy on the budget too. But can you get enough coverage and protection from a cheap policy? This is the big question that you need to answer if you are planning to buy cheap insurance that offers minimum coverage.
How Cheap Insurance Protects You
Usually, cheap insurance can only provide minimum protection for you. For example, if you buy cheap auto insurance, you will only get the minimum third party liability cover. It means that your insurance only covers the damages on the other party's vehicle, its passengers, and damages to other properties.
The basic third party liability does not insure your car for damages. If you have a very valuable vehicle, cheap insurance with basic coverage can not offer adequate protection. The same is true for building or home insurance. If you get a cheap policy, the most likely coverage is protection against fire damage.
However, not all cheap insurance policies provide minimum cover only. There are plans that offer cheaper rates but provide comprehensive cover. These types of insurance policies may be difficult to find but you can search for them especially in online insurance comparison sites.
When Money is Not an Issue
It is generally advisable to always look for cheap insurance so you can save money. However, the issue about saving money should not be a driving factor for certain insurance products. This is particularly important for policies that can provide critical protection not just for you but for your family also.
Life insurance is one such policy. Most agents and insurance experts will tell you that it is better to buy more life insurance than buy less coverage. When you pass away, you would not want your family to suffer financially. So you have to prepare for them by investing heavily on life insurance.
Comprehensive home or building insurance is another policy that should be given much importance. Cheap insurance cover for your home does not make sense because rebuilding a structure that has been totally or partially damaged is way too expensive. You need adequate coverage in order to rebuild your home. Make sure that you have adequate home insurance so you can easily bounce back from a disaster.
Lastly, you must never scrimp on medical and health expenses insurance. This type of insurance is very important especially for those who are in their 30s. You need adequate protection to prepare for future illness that may prevent you from working productively. You should also get medical insurance that can pay for future medications and recurring health care expenses. It is best to obtain medical insurance while you are still young in order to enjoy cheaper rates.
You should invest money on these types of policies. Getting the basic cheap insurance for life, health care, and comprehensive home coverage is not advisable. You may have to over buy some insurance so that your family can get more benefits and you can quickly rebuild destroyed properties.
The word for cheap insurance in Danish is Billig forsikring her and if you really need to buy one you should visit this website. The website from the link is in Danish but it can be translated with one click thanks to Google Translator. More about finding a great cheap insurance you can read here.
Las Vegas locksmiths are often accused of being too expensive. While, it is true that the Las Vegas city attracts hundreds of millions of dollars as wagers yearly and there are unbound riches which have led to rise in income levels of people boom due to the gambling industry, this is no reason or justification for the expensive charges of the
While it is quite true that they have to invest quite a lot in the beginning in the tools and equipments and also during the course of pursuing their careers, charges to be taken from customers are determined on a number of criteria. These could be the following:
1. Costs of operations and living: These include the costs of commutations, maintenance of tools and equipments, family expenses and other factors related to business. 2. Frequency of calls received and attended to on daily basis: If a person is able to attend to optimal number of calls, then he can keep the charges at reasonable levels whereas less than optimal number of calls can increase the price of service. 3. Growth perspective: Since the are business people and are engaged in profitable occupation, they would definitely be harbouring the intentions to grow. For ensuring that this growth does take place, they would need more finances, which is possible only if they take higher charges.
]]> 4. Inflation: If the cost of living increases due to increase in the inflation, the will have no option but to raise charges. 5. Brand Value charges: Being a pick of the lot among the local locksmiths could mean that the auto locksmith might be charging higher for his exceptional skills.
Besides these elements, there is an element of the level of competition which determines what all can actually be charged as per the market rates. In case of high competition, the person may find it important to be a price taker than being a price maker.
After assessing the different factors which determine the cost of locksmith service, it might be possible to ascertain to what extent the price element can be reduced when the locksmith has to negotiate the prices. Depending on the different price levels or percentages that he might have put across each of the heads of the cost, he may easily per-determine what are the bare minimum and the maximum charges that he might take.
It is quite a normal thing for the locksmiths to tell their charges only after visiting the site and checking out the details of the work involved. When the customers feel these are too high, negotiations can happen between the maximum and minimum price limits in the mind of locksmith. makes more customers but they might be already operating at their bare minimum levels in high competition. And, competition will be high in cities where there is affluence. Therefore, has to keep many factors in mind while designing price structure.
Cheap Local Locksmith is an U.S. based author who frequently writes about safety products such as cheap locksmith, auto locksmith and locksmith las Vegas
Cheap Unsecured Online UK loans :Worthy Of Its Credits
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These credits provide easy and flexible repayment terms. The client can avail the comfort of making repayment according to his convenience. Generally the terms of repayment varies from 1 to 10 years. The amount granted ranges from
The Airline industry has elevated the demand for cheap flights and bargain airfares for international fliers. Inconsistent flight rates and rising competition has increased the supply of cheap flight tickets.
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The Airline industry has elevated the demand for cheap flights and bargain airfares for international fliers. Inconsistent flight rates and rising competition has increased the supply of cheap flight tickets. It's a stressful experience to realise that the person sitting next to you has paid less than you for the same cabin class & the journey. Airfares have decreased dramatically in recent years. It's easier nowadays than ever before to book cheap flight tickets to attend an international conference or to go for a unique holiday expedition.
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However, to get the cheapest airfare isn't always that easy, as hunting for cheap tickets and low cost airlines is a top priority for many travelers. The trans Pacific routes such as flights to London, flights to New York are the busiest air traffic routes in the world with thousands of fliers searching for cheap flights every day. To the relief of travelers, the growth in Internet technology and availability of a huge range of online booking and comparison websites/portals booking has made getting a direct flights ticket quicker, faster and simpler than ever before.
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To get cheap flight ticket through the Internet, planning is the key as most of the airlines offer discounted tickets for early flight booking. Planning to fly on weekdays and/or off-season is another effective way to get best deal possible. Although flights during holidays and festivals are always more expensive keeping your travel plan a bit flexible helps to save money. Another proven technique to get tickets at bargain prices is to avoid direct flights to your destination and to travel by choosing a stopover flight. Planning one step ahead and booking a return flight will always give you a best deal for your flight ticket. Try not to go for last minute cheap flight deals. Also, don't forget to check for discounts available for frequent fliers, students or senior citizens. Be careful because what looks cheaper isn't always cheaper. Check out for all type of hidden costs, service charges and luggage costs to ensure you are getting the best deal ever.
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"Book cheap flights tickets online" is managed by DirectFlights
United Kingdom is one of the most leading locations for business as well tourism in the world. Millions of people around the world travel to UK every day and the search is always on for the cheapest flight to UK. The following are some of the major airports in the UK:
1. Heathrow International Airport (London, England)
2. Manchester Airport (Manchester, England)
4. Glasgow International Airport (Glasgow, Scotland)
5. Edinburgh Airport (Edinburgh, Scotland)
6. Belfast International Airport (Belfast, Northern Ireland)
7. Cardiff International Airport (Cardiff, Wales)
Out of this Heathrow Airport is not only the most busies airport in UK but also across the globe. With many of hundreds of flights coming to UK it is not an easy job to find out which is the . You must have a lot patience to go through the list of flight which goes to UK from where you live , then compare all of them and to choose the among hundreds of options.
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The following are some of the ways to arrive at a :
1. To get a you must plan in advance and book at least a couple of months earlier. As you UK is one of the top most countries in the world for business getting a within a couple of months from the departure date is almost impossible. Since people some times are ready pay a lot for a ticket to UK its better you plan in advance and book early.
2. Consult a renowned Travel agent has they would have associations with various airlines. They would be aware of practically all the flights which would go to London from the place live and they can easily guide to get a . It is not easy for a common man to have an in depth knowledge of all the flight to UK, as there are lots, even with the help of internet.
3. Avoid traveling during holidays and weekend as the airfares anywhere in the world are quite expensive and more so in the UK. Especially holiday seasons like Christmas, Easter etc should be avoided if you are thinking about a .
4. be flexible when you plan a holiday to UK. Vacation in the UK is an expensive affair so if can save a couple of hundred dollars it would be a big relief for you. There some times if you booked a flight to London say on Sunday you might get a on Monday, in such cases you need to how flexibility to take opportunities in both hands.
5. One good thing about UK is the number of Airports. So you must do research on whether the place UK which are trying to travel has any other airport in its vicinity. If there are any airports in its vicinity and you are getting a to that airport then you can book a flight to that airport and can travel to the actual place by road or any other means.
Cheapflightsia.co.uk is one stop alternative search solution to help you find the best possible Cheap Flight to UK, cheap holidays, excellent cheap hotel deals, fantastic deals on cheap car hire and excellent rates on foreign currency exchange.
Find Our Best Hotel Comfort Inn Hinckley North which is situated on the A47, in the centre of Earl Shilton, with links via the M69, M1 and M6 motorways to all parts of the country. Leicester City Football and Rugby Clubs and the Racecourse are all within easy driving distance whilst several golf courses are also nearby. All of the 40 refurbished guestrooms are equipped with satellite TV and Internet access.The premier rooms offer a two-person whirlpool.One room boasts its own steam room.
Every traveler wants to have a safe and healthy trip. Find the Best hotel deals and still feel comfortable on your vacation. Take care when choosing your Hotel the Comfort Inn Hinckley North is one of the Best in Leicestershire. Our Comfort Inn Hinckley north is providing Cheap Accommodations in Hinckley, Cheap Family Accommodations in Hinckley, Cheap Bed and Breakfast Hotels in Hinckley, Budget Accommodations in Hinckley, Cheap Hotel Accommodations in Hinckley Leicestershire. Our Hotel is also providing Online Reservation Facilities at Comfort Inn Hinckley north, Self Catering Accommodation, City Hotel Accommodation in Hinckley where you can enjoy your weekend breaks, holiday breaks, leisure breaks, summer breaks and cheap Family Breaks. The Comfort inn Hinckley north nearer to the city attraction. These review web sites can be very helpful for travelers. Winter & Summer Breaks within Hinckley There special offers in festive season, check availability in online, Simple & Secure Online Booking Hotels at http://cheap-hinckley-north-hotels.co.uk/
Arbury Hall & Gardens (6.2m/10.0km W) - Bradgate Country Park (15.5m/25.0km N) - Hinckley & District Museum (3.1m/5.0km S) - Rutland Water Attractions (23.6m/38.0km E)
Area Restaurants:
Ashfield's Restaurant- Serves:Lunch | Dinner - Hotel Restaurant (on premises)- Serves:Dinner - Chili's Restaurant- Serves:Breakfast | Dinner
« Leicester Station (11.2m/18.0km NE) « Leicester Bus Station (11.2m/18.0km NE) « East Midlands Airport (21.1m/34.0km N) « Birmingham Int'l Airport (18.0m/29.0km S)
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Cheap International Airline Flights - Best Ways To Find Them
Searching for it is not a very easy task. There are so many international carriers and as well international flights. There are hundreds of websites too, through which you book tickets. Since international air tickets are really expensive if you can find out you save a lots of dollars.
You must be patient enough to search the internet and compare prices of different airlines. Once you filter out a list of then you can work which the best one you could pick.
Following are some of the best ways to get tickets in :
Plan your trip in advance and book early:
If you are planning about an international trip try and plan early to avail the best possible discounts from the airlines. There is absolutely no way that you can plan your trip even a month in advance, it has to be much before that. Some times even booking 3 or 4 ahead might not fetch you tickets in . The earlier you plan your trip the more money you will be able to save and more nearer the departure date the more you will have to spend. Ideally you must plan well in advance, an year to six months in advance would the ideal timing.
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Try as much to avoid travelling during holiday season:
When you are planning for your trip make sure avoid holiday seasons like Easter, Christmas etc as much as possible. Unless it is inevitable avoid holiday season as the air tickets are the costliest during that season. If it is something you can not avoid then you have to make sure you plan very much in advance. Booking tickets during the non holiday season, when everyone would be travelling, would enable to get tickets in .
Take a travel agents advice:
If you have a regular travel agent, take his advice while trying to search for tickets in . Since a travel agent would have in depth knowledge about all the airlines and all its flights to a particular part of the world he can help you to find out about cheaper tickets for international travel. They would also have dealing with different airline though which they get you tickets in .
They can also advise you about different routes which can turn out be cheaper compared to usual routes.
Try and go for break journeys rather than direct flights to get tickets in :
You will have to find out about the different routes through which you can travel to a particular place across the globe. You either do a bit of research through the internet or find out from your travel agent about various kinds of route. Always direct flights to places are expensive as you will save time and the effort to change flights. So if try planning for a break journey instead of taking a direct flight you would get tickets in .
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Everybody knows that there is one thing that could make your holidays perfect and that is getting cheap flights. We all love spending the holidays somewhere far away from all our problems, jobs and stress factors. It is actually great to travel to wonderful corners of the world. And probably one of the most difficult aspects is to plan the entire journey to the smallest detail, finding the best offers and of course cheap flights to the desired destination.
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Written by seo28388 Content writer for Eprofit Media
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The Six Minute Book Summary of Lauren Weber?s In Cheap We Trust: The Story of a Misunderstood American Virtue
Executive Summary
Lauren Weber bases the book, In Cheap We Trust, on a concept that she knows well from her own childhood experiences. Her father was a frugal man and though she considered him cheap at the time, she would later pick up some of the same, or similar, habits that she didn't understand as a child. Weber traces the word cheap back to its origins and shows us how it was turned into a term of derision. Through stories of frugality and consumer spending in the past and relation of frugality to the world we live in now, Weber takes us on a journey of thrift.
Though we often hear the phrase, "a return to thrift," our past is not a solid history of devoted cheapskates as we may assume. History is instead a cycle of spending and saving. The earliest settlers may have been frugal, but this was more of a necessity than a choice. From the earliest years to the present, Americans found a way to be thrifty when the times demanded it, but were quick to jump back into spending when the opportunity arose.
Through the last few decades, our spending has grown more than ever before. Our savings have dropped and our debts have multiplied. We are consumption hogs in comparison to other countries with seemingly no plan to change our ways. We spend more and save less, even as the debt of our country grows to unimaginable amounts. We consume and waste, knowing that our waste is doing nothing to help our environment.
While most of our citizens are freely spending, there are those who decide to rebel against the majority and to be sensible with their money. There are a variety of different types of frugality. There are those who simply try not to waste. There are some who refuse to buy new goods (other than food or medicine). There are even those who "dumpster-dive" for food rather than pay high prices while good food is going to waste in our country every day.
The psychological drive behind this thrift is an amazing story in itself. Some research studies have proven that people feel anxiety, and even a slight amount of pain, when required to spend money. That, along with guilt and fear, aid in stopping a portion of the population from caving in to the pressures of society to consume.
There are many things that we can easily do to help save our environment, better our economy, and secure our own financial futures. Some of the simplest methods could help us stop the historical cycle of spending and keep our country and our citizens on track for saving and an altogether better future.
The Ten Things Managers Need to Know fromIn Cheap We Trust
1. The word "cheap" has evolved from originally meaning tradesman, to becoming a term of derision.
2. Women had an early role as the "budgeters" for the family. They had to learn how to reuse and not be wasteful.
3. There are many stereotypes, generalizing certain cultures as cheap. These stereotypes are often untrue.
4. War has throughout history, been a big driver for the back and forth cycle of thrift and spending.
5. A large percentage of people are unprepared for emergency or retirement in terms of savings. Many people don't save at all.
6. By being frugal, we can also help our environment.
7. Fresh food is thrown out every day, and salvaged by groups of people who want to be more frugal.
8. According to research, thoughts of purchasing items can cause anxiety and even pain for some people. Frugality is also driven by guilt and fear.
9. It is possible to break the cycle of spending and saving. The spreading of knowledge about how consumption effects our environment may be what it takes to finally break the cycle.
10. There are many little things we can do to be more frugal and save more. By doing so, we help our environment, we can help our country, and we can secure our own financial futures.
Full Summary of In Cheap We Trust
Cheap Thrills
In this chapter, Lauren Weber introduces us to the topic of thrift by telling stories about her father's thrifty ways throughout her childhood. He saved money by turning off lights, hand washing dishes, reusing tea bags, and even by attempting to monitor toilet paper usage. He did all of this to save, yet still indulged in expenses such as gas for long drives and expensive college tuition for his children. Weber also tells us that though she resented these things as a child, she now sees this quality in herself as well.
Weber tells us about the origins of the word cheap. "It derives from the Latin word caupo, or tradesman; evolved into the noun ceap (a trade) in Old English; and came to be used in Middle English mostly in the phrase "good chepe," meaning "good bargain" or "good price." The opposite phrase was not "bad chepe" but "dear chepe," which referred to high prices. By the sixteenth century, cheap was employed, without judgment, as a synonym for "inexpensive."" (p. 3) She then goes on to discuss how the word was later transformed into a derisive term.
Weber also speaks of the idea of a "return to thrift." (p. 7) She discusses the idea that thrift was not a virtue, abandoned over time by a lazy population, but more a necessity for the time. Americans were quick to give up their thrifty ways when the opportunities for them to spend started being more prevalent.
The Crowd Approved the Doctrine, and Immediately Practiced the Contrary
In this chapter, Weber discusses the history of thrift with the Puritans and the Quakers. The Puritans believed that indulging in worldly possessions interfered with their worship of God. Laws were put into place to restrict the purchase of vanity items. The Quakers also believed that they were supposed to live a simple life. Almanacs became popular as guides to thrift. One of the most popular was Poor Richard's Almanack, written by Benjamin Franklin. But as through the rest of history, this time in the past was filled with a back and forth sort of thrift. As money and opportunities increased, so did spending.
A Nation of Savers
In this chapter, Weber discusses the beginning of savings banks. These banks were created as a means for the poorer population to learn to save, rather than waste their money. One of the people who took advantage of savings banks is Hetty Green. She started depositing her money at a young age and grew up to be the world's greatest miser, according the Guinness Book of Records. She is the model of frugality. Though she had saved a fortune, she lived like a pauper.
Weber also discusses the effect of the end of the Civil War. This was a time when money was accumulated as wealth by many. The wealthy spent their money on parties and luxuries as they never had before. But this new spending wouldn't last forever. Once again, thrift became a way of life for many. Even school children started depositing their money through a special educational savings program.
What Use Can a Woman Have for Arithmetic?
In this chapter, Weber discusses the ways thrift has lived in the female population. In early years, women had no choice but to be thrifty. She includes the typical morning of one thrifty American woman in history. Sarah Tabitha Reid "woke up at four a.m., swept the kitchen floor, collected eggs, fed the family's chickens and turkeys, fetched water from the well, and made the fire-and that was all before breakfast," (p. 80) but as populations grew, families migrated towards the central hubs of the towns and women became less of producers and more of consumers of goods.
Weber goes on to discuss how women became the financial budgeters of the family. They learned how to reuse old products and shop for things before they became scarce, and therefore more expensive. This was the beginning of modern home economics.
Cheap Jews and Thrifty Chinese
In this chapter, Weber discusses the stereotypes of Jews and Chinese as cheap. As many Catholics were afraid to get into the business of lending, Jews took advantage of the opening. In this profession, as creditors and then as collectors, they were easy targets though they lived modest, respectable lives. The Chinese were stereotyped because of their simple, inexpensive diet and their early willingness to work for much lower wages. The gold rush brought many Chinese immigrants in a desire to strike it rich and return to China with their newfound wealth. Later in the chapter, in discussing why these stereotypes are still continue today, Weber poses the question, "are they successful because they're thrifty or are they labeled thrifty (derisively, admiringly) because they're successful?" (p. 126)
Use It Up, Wear It Out, Make It Do, or Do Without
In this chapter, Weber begins by discussing the effect of war on American thrift. War bonds and stamps were sold, often by pressures such as pamphlets asking, "Have you helped your country by investing in the war loan, or have you helped Germany by keeping your money in your pocket?" (p. 135) Americans were urged to contribute what they could to the war effort by purchasing bonds and by being less wasteful. They were urged to "go back to simple food, simple clothes, simple pleasures." (p. 138) Women were pressured to sign pledge cards stating that they would find substitutes for more expensive goods, make less waste by using every part of every product, and grow their own food at home. Americans patriotic thrift ended soon after the war. As in history before, people couldn't wait to get back to spending. Some of this spending was done on credit, as buying on credit was becoming more and more popular.
After the stock market crash led to a depression, thrift returned as a way of life out of desperation. People either didn't have money to spend, or were afraid to spend it which made things even worse. Weber goes on to discuss how politicians then changed from promoting thrift as patriotic, to promoting spending as patriotic. "Consumption had been reframed: shopping wasn't just about personal gratification anymore; it was a patriotic act with national consequences." (p. 157) As the next war brought America out of the Depression, people were urged not to waste. Ration rules were established, sometimes even on things that weren't limited. But this time Americans weren't urged to save as "economists fretted over the possibility that Americans would save their way into another postwar depression." (p.163)
Lively Golf Balls and Two-Ford Freedom: The Postwar Years
In this chapter, Weber further discusses the effect of the Second World War on consumer spending. Economists were afraid that the country would slide into another recession and urged America to spend, spend, and spend more. Commercials were designed to promote a higher standard of life to the general public. They didn't stop at promoting the purchase of one car, but portrayed housewives with the newfound freedom of having a second vehicle for household use. And when retailers were getting nervous that the public would end up with everything they needed and not have a need for more purchases, they got creative. Home and apparel fashion was kept moving at a high pace with many new designs. Appliances were designed to have a shorter life. And when retailers were asked to answer for these new policies, they defended their actions with the claim that they were helping fuel the economy and helping keep unemployment down.
Weber discusses how this new trend of spending continued on for many years. Helping to aid in the spending, credit cards were issued, with the first being the Diners Club card. These cards allowed a quickly evolving consumer society to purchase more than they ever thought they could. Though there were some who refused to borrow more, who stayed true to their frugality throughout the spending madness, "thrift was no longer broadcast as an American ideal." (p. 181)
Spendthrift Nation
In this chapter, Weber discusses the effect of consumer spending, and lack of saving on the economy. She starts by discussing the drastic drop in saving. While financial security should be priority number one in a recession, the American public still focuses on spending. As the purchases of luxuries increases so does consumer debt. And this debt continues to take up more and more of the typical American family's income. It's like a vicious circle. As we purchase more goods, we rack up more debt. As we rack up more debt, we spend more of our income paying our debts and have less to spend on day to day expenses. When we have less money to spend, we have to rely on credit, racking up yet more debt. Weber also discusses the situation many Americans are going to face at retirement. Defined benefit plans are rarely used as employers want to shift the risk to employees. And even the amount employers are willing to match in defined contribution plans, such as 401k's, continues to shrink. Many Americans are going to be forced to work part time or even full time jobs after they reach retirement age.
Weber also discusses the effect of the lack of savings by citizens on America's budget. America has been forced to borrow more and more from other countries. The amount that we pay other countries just in interest is staggering. Weber discusses as a solution to the debt problems our country is facing, a delicate balance of consumer spending and saving.
Eco-Cheap
In this chapter, Weber discusses the ways that thrift can actually help the environment. She talks about the effects that consumer spending has on global warming. The more products we buy, the more waste is created. Weber says, "The absolute cheapest way to save the planet is to stop buying stuff." (p. 213) She discusses how the "green movement" is aimed at slowing global warming, but mentions that those who have the best effect on the environment are those who don't spend. By trying to save gas money, thrifty individuals are reducing emissions. By reusing old products that many would throw out, they are reducing the massive amounts of garbage piling up in landfills. Weber also says, "Reducing our consumption may be the only way we can halt and even reverse some of the ecological damage we've wrought over the last few centuries of industrial culture." (p. 209)
Living Cheap in the Age of Mass Consumption
In this chapter, Weber discusses the people who are "rebelling against an age of mass consumption." (p. 224) Though she talks about independent individuals who devote their lives to cheap survival, she focuses on groups called "compacters" and "freegans." A group known as compacters collectively decided to stop spending money on new items other than food and medicine. These people allowed themselves to purchases second hand items, but nothing new. The other group, freegans, try to completely limit their spending. Some of their activities include dumpster diving (for food as well as other items) and squatting (to avoid paying rent). These people are able to "resist the seduction of the retail-industrial complex" and live frugally.
Cheapskate Psychology
In this chapter, Weber discusses the psychology of frugality. She begins by talking about Freud's idea that frugality has something to do with "unresolved potty-training issues." (p. 246) She later discusses that it comes partly from guilt and also partly from fear. While some people simply feel guilty by indulging in luxuries, some are afraid that by spending, they won't have money in case of emergencies later. Weber also reveals research that shows higher levels of anxiety, and even slight pain, in situations where people would have to purchase things. She finishes the chapter by discussing the law of diminishing returns in regards to frugality. She compares the amount of enjoyment you get out of something that you don't allow yourself to purchase often to the amount you would get out of something that you indulge in often.
Conclusion
In this chapter, Weber begins by discussing some of the ways that writing this book has changed her spending habits. By using some of the methods that she wrote about in previous chapters she has reduced her monthly spending by almost half. While frugal living has historically been a cycle, frugality in bad times with massive spending when the times rebound, Weber speaks of her hopes that awareness of the issue of global warming "just might change the game" (p. 273) in the cycle and convince people to carry on their frugal habits.
This clip shows a lecture by Chris Farrell. His argument for cheapness being the opposite of frugality is based on sustainability. By being frugal, rather than cheap, we still buy our necessities, but we buy with an eye on the future.
Personal Insights
Why I think:
With business conditions today, what the author wrote is – or is no longer true – because:
What the author wrote is true because of the status of our economy. Unemployment rates are high and people are starting to limit their expenses. The necessity of the times is forcing people to be more frugal, yet when things get better, I'm sure that the cycle will continue. People will be ready to pounce on the opportunity to spend money on luxury items. The cycle has carried through the history of America, and I believe it will continue to repeat itself.
Then, all of the following bullet-items are mandatory to write about:
If I were the author of the book, I would have done these three things differently:
1. I would have included more stories. They make a more interesting read.
2. I would have given more ideas of how people can reduce their "footprint" by being frugal.
3. I would have organized the paragraphs differently. They could have been broken up into shorter, more focused paragraphs.
Reading this book made me think differently about the topic in these ways:
1. I have realized that by being frugal, I can have an impact on the environment.
2. I have realized that there truly is a difference between being cheap and being frugal.
3. I've learned that history repeats itself, even in the history of frugality.
I'll apply what I've learned in this book in my career by:
1. I will make sure to have a balance between saving and spending.
2. I will try to be frugal in ways that have a positive impact on the environment.
3. I will try to make less waste and reuse existing things.
Here is a sampling of what others have said about the book and its author:
"What others (scholarly and magazine reviews – along with on-line reviews – not simply reviews off the back of the book) have said about the book and its author?"
While Valerie Weaver-Zercher "can be a little sensitive about the word cheap," Tom Barlow finds that "her exploration of the paradox of thrift is the most interesting aspect of the book." There are many different ideas on the concept of frugality and the way you feel about spending is bound to influence your opinion of the book.
Contact Info: To contact the author of this "Summary and Review of Lauren Weber's In Cheap We Trust: The Story of a Misunderstood American Virtue," please email Miranda.Manuel@selu.edu.
Biography
David C. Wyld (dwyld.kwu@gmail.com) is the Robert Maurin Professor of Management at Southeastern Louisiana University in Hammond, Louisiana. He is a management consultant, researcher/writer, and executive educator. His blog, Wyld About Business, can be viewed at http://wyld-business.blogspot.com/. He also serves as the Director of the Reverse Auction Research Center (http://reverseauctionresearch.blogspot.com/), a hub of research and news in the expanding world of competitive bidding. Dr. Wyld also maintains compilations of works he has helped his students to turn into editorially-reviewed publications at the following sites:
Written by David Wyld Professor of Management, Southeastern Louisiana University
Video for 'Cheap And Cheerful', directed by Sophie Muller. It's the second single to come from the bands forthcoming third album, out March 2008. www.thekills.tv www.myspace.com/thekills Video Rating: 4 / 5
