Showing posts with label Lifestyle. Show all posts
Showing posts with label Lifestyle. Show all posts

Friday, June 10, 2011

The Case Against Coupons


There's nothing wrong with coupons. Families use them to advantage; and the larger the family, the larger the advantage.

But Brett Arends, in his article posted to Yahoo! Finance, "Doing the Math on Coupons," part of a continuing series on Financial Fitness, goes overboard in his appreciation.

Citing statistics provided in a press release from a company called Inmar as his source, Ardent says that on average each coupon saves its redeemer $1.44. Estimating that each coupon requires about a minute to find, clip and file, that would be a savings of $86.40 per hour of work. And since this savings is tax-free, figures Ardent, he feels justified in rounding up that number to arrive at a rounder wage rate of $100 per hour for coupon clipping. Not bad.

Now I have no bone to pick with the statistics, nor with Ardent's calculations. But Inmar is a company that provides promotional services, including coupon operations, to retailers and wholesalers. They have a vested interest in promoting coupons.

Let's look inside the computations to see if Ardent's numbers are helping Inmar along.

If we estimate that each coupon redeemed saves on average 10% of the purchase price (the average is actually about 7%) , that would mean a family would have to purchase $864 in groceries each week to redeem all that they clipped. That's $1.44 x 10 x 60 = $864. This seems a little high for all but the Duggers, doesn't it?

So it's more likely that coupon clipping once a month, or even less often, will suffice for most people. It's a tiny part time job, nothing like the net of $1,200 per year projected by Ardent.

If coupon clipping is something you enjoy doing for yourself or your family, that's great. I say do it. But for many of the rest of us, it's a tedious practice, one better employed as something of a last resort rather than a lifestyle choice.

Photo courtesy of Copy Cop.

Saturday, June 19, 2010

Coach Wooden's Pyramid of Success: Intentness

This article was originally published by Technorati on 19 June 2010 as a Simply Spirited/Sports feature. To see all my Technorati articles, click Lifestyle in the Contents listing on the sidebar.

The position of every block in Coach Wooden's Pyramid of Success is significant. None more significant perhaps than the placement of the "Intentness" block directly on top of the foundational "Enthusiasm."

Intentness, Coach Wooden wrote in The Essential Wooden: A Lifetime of Lessons on Leaders and Leadership "is the ability to resist temptation and stay the course, to concentrate on your objective with determination and resolve."

He also describes what Intentness is not: "Impatience is wanting too much too soon. Intentness doesn't involve wanting something."

Monday, June 14, 2010

Friendship Foundational to Coach Wooden's Pyramid of Success

This article was originally published by Technorati on 15 June 2010 as a Simply Spirited/Sports feature. To see all my Technorati articles, click Lifestyle in the Contents listing on the sidebar.

As I put pen to paper to write about Coach Wooden's views on Friendship, I find myself researching more heavily the legacy of Adolph Rupp, Hall of Fame coach of the University of Kentucky (my alma mater) from 1930 to 1972. The two coaches' styles could not have been more different. Coach Rupp was colorful, foul-mouthed, a scotch drinker. Wooden--the opposite.

Wooden's players seem to have universally loved him as a coach and as a man. Rupp--the opposite.

Friday, June 11, 2010

Industriousness and Enthusiasm Cornerstones of Coach Wooden's Pyramid of Success

This article was originally published by Technorati on 11 June 2010 as a Simply Spirited/Sports feature. To see all my Technorati articles, click Lifestyle in the Contents listing on the sidebar.

"Industriousness" is the first cornerstone of Coach Wooden's Pyramid of Success. Industriousness is more than just hard work, though it necessarily includes that. In Wooden: A Lifetime of Observations and Reflections, Coach Wooden writes, "I call it industriousness to make very clear it involves more than just showing up and going through the motions."

There is a right amount of preparation for every endeavor, whether you're a basketball player, a writer or a plumber. The key is the quality you put into both preparation and participation. Quality effort can only come from an emphasis on the present moment, whether in the field house or on the floor for a Final Four contest. What you are doing now is alway the only true measure of success, and only if you are doing the very best you can do in that moment.

In the coach's words, "You can work without being industrious but you cannot be industrious without word." Work plus quality equals Industriousness.

Monday, June 7, 2010

Coach Wooden's Pyramid of Success - An Overview

This article was originally published by Technorati on 7 June 2010 as a Simply Spirited/Sports feature. To see all my Technorati articles, click Lifestyle in the Contents listing on the sidebar.

Coach Wooden's pyramid is instructive not only by the individual blocks in contains, but also by its over all structure. Every block is placed particularly.

The structure stands on a foundation, the cornerstones of which are "Industriousness" and "Enthusiasm." Simply pointing this out teaches a great life lesson. When Industriousness is combined with Enthusiasm in any venture, self-evidently, we are well along the path toward success (we will have more to say about this in a future post).

"Skill" sits at the heart of the pyramid, pointing like an arrow at its apex, "Competitive Greatness." Again, we say, "Yes!" that makes sense, without further explanation. The centrality of skill can never be discounted if Competitive Greatness is to be supported.

The pyramid is shorn up on each side by Patience and Faith.

The former is easy to understand in terms of Coach Wooden's career. He spent 17 years coaching at UCLA, developing his philosophy, before he won his first national championship. His commitment to daily improvement over time lead eventually to exponential success that ended only when he retired. Patient, daily improvement as a coach, like compounded interest, paid off to a degree that even Einstein could not quite have gotten his mind around.

Sunday, June 6, 2010

A Series on Coach Wooden's Pyramid of Success a Fitting Eulogy

This article was originally published by Technorati on 6 June 2010 as a Simply Spirited/Sports feature. To see all my Technorati articles, click Lifestyle in the Contents listing on the sidebar.
If you seek truth, you will not seek to gain a victory by every possible means; and when you have found Truth, you need not fear being defeated.
The Golden Sayings of Epictetus, CXLIX

God wishes to say a few words in epitaph about John Wooden and He has asked to do it through my computer.

Anyone who cared enough about the subject of this article to click on its link wouldn't be surprised by the foregoing statement. For anyone old enough to remember Coach Wooden in his prime (at 45 I just barely make this category), and for the rest who are aware of his legend, it is clear that he played, coached and vanquished mightily the simple game of basketball for one simple purpose: to show the rest of us the Way, with a capital "W."

Friday, May 28, 2010

Repeal of Impoundment Restrictions Represents Return of Balance To Budget

This article was originally published by Technorati on 29 May 2010 as a Simply Spirited feature. To see all my Technorati articles, click Lifestyle in the Contents listing on the sidebar.

"Waste not, want not," said Benjamin Franklin, one of the wisest of our Founding Fathers. An equilibrium obtains on every level when we are in spiritual balance. Balance is as necessary collectively, in our government, as it is individually.

Yet waste and budget bloat has become one of the hallmarks of the government Ben Franklin helped create. How did that happen?

One word: Impoundment.

Tuesday, May 25, 2010

Tao Urges Non-reaction to North Korean Provocation

This article was originally published by Technorati on 25 May 2010 as a Simply Spirited feature. To see all my Technorati articles, click Lifestyle in the Contents listing on the sidebar.

Tensions are mounting along the DMZ between North and South Korea now that the latter has determined that a North Korean submarine took out one of its warships with a torpedo.

This is an act of war, without question. But no act could be more ripe for non-reaction than this one.

Monday, May 24, 2010

Bloomenthal's Vietnam Pretense Contrary to Tao

This article was originally published by Technorati on 24 May 2010 as a Simply Spirited feature. To see all my Technorati articles, click Lifestyle in the Contents listing on the sidebar.

Out-going Senator Christopher Dodd (D-CT) offered some bland words of support today for his would-be Democratic successor, Richard Bloomenthal.

"I can't think of a better legacy I can have in the Senate than to have Dick Blumenthal follow me in that job," Dodd said, speaking to reporters in Hartford.

Dodd's statement comes in conjunction with Bloomenthal's cursory apology for pretending to have fought in Vietnam.

Friday, May 21, 2010

Rand Paul's Views on Civil Rights Act Not in Keeping with the Tao

This article was originally published by Technorati on 21 May 2010 as a Simply Spirited feature. To see all my Technorati articles, click Lifestyle in the Contents listing on the sidebar.

In a previous post, we detailed 8 Rules for Governing a Country from the Tao te Ching. There are at least 19 in all, along with other good advice of a general nature.

With election season in full-swing, it might be helpful to voters to have a guide for candidates based on their adherence to the Tao. And who better to start with than a candidate from my home state of Kentucky, Rand Paul, the much heralded would-be Senator backed by the Tea Party.

Paul is certainly welcome to his views, but his Libertarianism seems to have gotten the better of him just one day past his unexpected primary victory. He holds a stringent view of private property rights which stands at odds with the almost universally revered Civil Rights Act of 1964.

While purporting to agree with nine of the ten titles under the Civil Rights Act, he stands by past statements in which he has said that the title applicable to discrimination by private business entities tramples property rights and should have been modified.

This video is 10 minutes long. Maddow can't seem to believe that a person she clearly likes personally could be this inept as a politician, and she gives him extra time to hang himself. Which he does.


Is Rand Paul a racist? Absolutely not. Almost as bad for a politician, he's an ideologue.

Vatican Seems Unsure that God Alone Can Create Life

This article was originally published by Technorati on 21 May 2010 as a Simply Spirited feature. To see all my Technorati articles, click Lifestyle in the Contents listing on the sidebar.

According to an AP report, scientists are one step closer to artificial life. At least that's what the headline would have us believe.

In reality, what J. Craig Venter and his team of gnome-mappers have done is to create a strand of synthetic DNA and place it inside one bacterium to change it to a different type of bacterium. No small accomplishment, I'm sure, but not the creation of life, per se. One might even say, "Not even close."

What I found most interesting about this article was not the content, but the comments attached to it. Particularly one by a woman named Jen, who said, "The religious nutjobs in this world will definitely be chiming in with their nonsense. They have to make all cool things seem evil."

Thursday, May 20, 2010

Tao te Ching Says Stop Sniping at Political Leaders

This article was originally published by Technorati on 20 May 2010 as a Simply Spirited feature. To see all my Technorati articles, click Lifestyle in the Contents listing on the sidebar.

President Obama's approval rating is hovering at or below 50%, which means, I suppose, that half the country or more disapproves of the job he's doing. Right-wing pundits are punditting that Tuesday's primary races signal his demise in 2012. Others are taking potshots at him for the oil spill in the Gulf of Mexico, calling it his Katrina.

Left-wingers did this to Bush for eight years. Right-winger did it to Clinton for eight years before that. Perhaps there's a better way.

8 Rules for Governing a Country from the Tao te Ching

This article was originally published by Technorati on 20 May 2010 as a Simply Spirited feature. To see all my Technorati articles, click Lifestyle in the Contents listing on the sidebar.

According to Lao-tzu, author of the Tao te Ching, rather than sniping at new political leaders, we're supposed to teach them about the Tao. (See Part 1 of this post)

The Tao Te Ching offers specific advice for those who would govern a country. Selecting a few of these would be as good a place to start as any in educating our President.

1. "When the Master governs, the people are hardly aware that he exists." Lao-tzu's advice: don't be over exposed in the media. Don't buy into the idea that you have to be in every news cycle. Do your work, do it well and voters will remember you in 2012.

Tuesday, May 18, 2010

Emptiness of Space Leads to Deeper Consciousness

This article was originally published by Technorati on 19 May 2010 as a Simply Spirited feature. To see all my Technorati articles, click Lifestyle in the Contents listing on the sidebar.

The numbers are staggering--no, not even staggering, more like incomprehensible. When they start talking about half a billion light years from earth and a mass equivalent to a billion suns, one gets the impression that they're just making this stuff up.

No one can comprehend it, no matter how big-brained.

But according to the SRON Netherlands Institute for Space Research, that's the distance from Earth and the mass of a supermassive black hole that has been--get this--"kicked out" of its home galaxy and is now hurdling through space in search of a new home.

Come on, stop pretending that any of this computes. Kinda makes you feel puny, doesn't it? The heavens from time immemorial have lent themselves to just this sort of philosophical contemplation of human smallness.

Monday, May 17, 2010

Verizon Leaves Customer's Credit Stained in Writing Off $18,000 Bill

This article was originally published by Technorati on 17 May 2010 as a Simply Spirited feature. To see all my Technorati articles, click Lifestyle in the Contents listing on the sidebar.

A couple of weeks ago we reported the predicament of Bob St. Germain, who had been unable to settle a disputed $18,000 cell phone bill from Verizon since receiving it in 2006.

Thanks in no small measure to Technorati coverage, I'm sure, we are happy to report that Mr. St. Germain is resting comfortably, his debt having been magnanimously forgiven by Verizon.

Not quite.

Yes, the $18,000 charge (previously reduced by half) has been removed from Mr. St. Germain's monthly statement, but in one last smashing bit of corporate egoism, the bill was not reduced to a normal amount or completely forgiven--it was written off as uncollectible.

This is what is known in the business as wrenching defeat from the jaws of victory. Another apt cliche might be cutting off one's nose to spite one's face.

Inner Body Awareness Slows the Aging Process

This article was originally published by Technorati on 16 May 2010 as a Simply Spirited feature. To see all my Technorati articles, click Lifestyle in the Contents listing on the sidebar.

Some dermatologists are now recommending moderate amounts of sun exposure based on the health benefits of vitamin D. Our skin produces Vitamin D when it's exposed to the sun. Studies indicate that most Americans have deficient levels of it.

The downside to increased sun exposure is the cumulative damage that UV rays can cause. This is why doctors recommend covering face, neck and hands while soaking in the sun for 10 to 15 minutes three times a week on arms and legs. UV rays are responsibly for most of our wrinkles as we age.

Wouldn't it be nice if we could somehow combat this aging process? Slow it down? Spiritual teacher Eckhart Tolle claims that we can through "awareness of the inner body."

Sunday, May 16, 2010

The Pain-Body Causes Criminals to Snap

This article was originally published by Technorati on 16 May 2010 as a Simply Spirited feature. To see all my Technorati articles, click Lifestyle in the Contents listing on the sidebar.

The Oxygen Network will premiere a new episode of "Snapped," its true crime series about women who kill tonight at 10:00 p.m. EDT (9:00 Central).

The 2004 murder-for-hire plot of Florida woman Karen Tobie (attention: spoiler alert if you click this link) is the subject of tonight's installment of the series, in its eighth season, that claims all female killers share a common trait: "At some point, they all snapped." Thus the title.

This is likely true on some level for men who kill as well. Be that as it may, where does this impulse come from? Spiritual teacher Eckhart Tolle says that violence in general arises when people lose touch with "their natural state, the joy of life within."

Monday, May 10, 2010

Warren Buffett's Son Says Values Helped Him Remain Normal

This article was originally published by Technorati on 10 May 2010 as a Simply Spirited feature. To see all my Technorati articles, click Lifestyle in the Contents listing on the sidebar.

Apparently, Peter Buffett, the 52-year-old son of billionaire Warren Buffett has managed to breakout of the stereotype set for him by growing up to be rather normal.

Of course, anything north of self-absorbed drug addict would probably suffice as a breakout life for one born into such wealth, ironically enough. But that's far from Peter Buffett's reality.

Publicizing his new book, called Life is What You Make it: Finding Your Own Path to Fulfillment, he says that his parents taught him "values" that kept him out of trouble and, well, helped him find his own path to fulfillment.

Sunday, May 9, 2010

3 Spiritual Rules for Dealing With Customer Service Reps

This article was originally published by Technorati on 9 May 2010 as a Simply Spirited feature. To see all my Technorati articles, click Lifestyle in the Contents listing on the sidebar.

Last week I expounded on the unconsciousness of large corporations as an element of reportage about an $18,000 bill Verizon sent to one of its loyal customers.

Our coverage of the subject would remain incomplete if we did not consider the flip side of this selfsame relationship, the costumer's responsibility when dealing with large corporations.

While an $18,000 bill is best left to a trained professional--an attorney--smaller amounts don't warrant such treatment. So it's up to us to deal with the frontman (or woman) of virtually all large corporations, the lowly customer service representative.

Observance of three spiritual rules will help you achieve your desired outcome in both a material form and at the deeper level of personal growth.

Saturday, May 1, 2010

Corporate Ego Compels Verizon to Charge $18,000 for Data Download

This article was originally published by Technorati on 1 May 2010. To see all my Technorati articles, click Lifestyle in the Contents listing on the sidebar.

Most of us have been there: shouting into the phone at some poor, underpaid "customer service representative" who was with us shortly. No doubt a great deal of acrimony has been exchanged in the case of Bob and Mary St. Germain over an $18,000 Verizon cell phone bill racked up by their son back in 2006. The account remains in dispute.

To be fair, the St. Germain's have a few good points. First, wireless contracts are indecipherable gibberish. Hard to argue with this one; their purpose is to confuse the customer.

Second, experts say unlimited data plans are marketed by other companies for $30 a month. Another good point. If that's the case, its hard to imagine how $18,000 could be fair a price.

Third, the St. Germains say they were unaware that they had just gone off a promotional plan under which data downloads were free. Verizon reps admit this contention, though Verizon claims the St. Germains were duly warned of the expiration of the promotion when the patriarch of the family renewed his wireless contract with the company a short time before the bill came--nothing like a reverse signing bonus, is there?

Word didn't make it to their son, however, who continued to download songs at a respectable clip.

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