Who cares about honesty, integrity and ethics?

Did you ever get the feeling you might be the only one who cares about honesty, integrity and ethics?  I do. I really believe and always have that there is nothing to replace those characteristics – in business and in my personal life.

As I read the newspapers, watch the TV news, or even scan the headlines online, I see more and more of these values being exchanged for money and power, and occasionally other things.    When did the money and power become the driving force in the universe, and why? Is it because with money and power you no longer have to deal honestly, show your integrity, or function ethically?Honesty Ethics Integrity Trashed

Our Congress and Senate leaders including those people who are running for offices in this country have to be running for a reason.  To get elected, they will spend millions of dollars (many times, millions of their own money), and lay out their life for all to examine for a job that pays $174,000 to $223,500 a year. There has got to be more to it.  Even if they possess the moral necessities as I see them, they are overpowered and out-voted by those who don’t.  They cannot vote their heart and conscience or push to enact the promises they made on the campaign trail, because they are heavily pressured by the lobbyists and special interest groups externally and other members internally.  Many, too many times, they compromise and I believe it is because they have no choice.  Any of us, who has never been in any of those positions, can’t speak to the actual “why” of this, but I have seen it happen over and over and over again!

Read more “Who cares about honesty, integrity and ethics?”

Being Aware of Extra Fees – Part Two

There are some businesses, and I am not pointing a finger at a specific one, that I truly believe try to find something “extra” to charge for each time you make a purchase.  There are some who want to sell you additional things like warranties and the like, but here I am taking about things you don’t want and didn’t approve.  They just add it on and hope you won’t notice and just pay it.  Sometimes they make a mistake with these charges, but it’s so blatantly wrong — I tend to believe it’s not a mistake.  Not enough people check over their receipts and invoices.  Not enough people refuse to pay the extra charges.  Even for some who do, it’s just impossible to fix and they get stuck with them anyway.

Just the other day, Christmas Eve, I got hit with a surprise $5.00 charge on my receipt, at a local sporting goods store. It was for St. Jude’s Children’s Hospital, but I didn’t approve it, or even know about it till I found it on the receipt and then the cashier had the nerve to ask my husband if he did it.  First,  there was no way he could have done that, and second we both knew it likely was some kind of a contest to see who could rack up the most dollars for St. Jude’s that day — Christmas Eve — long lines, busy customers, rushing, waiting in Get Your Extra Feesline… hurrying on – just put it on their bill and hope they won’t come back to the store to have it fixed.  It was after all a great time to hit people up for $5.00 to a charity, but because I didn’t approve it first, not a legitimate one.   By the way, on that same receipt, I found a second problem before I left the store that netted me an additional $7.35 off.  This one involved filling a sales table with a sign and price that didn’t apply to the items on the table.  I basically demanded they take the sign down immediately or honor the price.  They honored the price for me, but were having no problem charging everyone else $7.35 more for those items than what the sign indicated.  But enough of that, let’s get into our list.

Common Carriers – You know these companies as UPS, Federal Express, DHL, the United States Post Office and others that carry your goods from place to place simply because you can’t.  I think they provide a valuable service to all of us, but I still hate the extra fee’s they tack on.   Why?  Many times I find out about the additional costs after I have shipped my goods, billed my customer, or otherwise finished with the transaction.  Their software which should (in my opinion) figure out your entire cost in one fell swoop – doesn’t do it all the time correctly.   The carriers get around that by making you “agree” that their invoice is only an estimate of the costs and actual billed costs could be different.  Over the years there have been class action suits against these types of carriers for blatant errors in charging clients.  I have personally been billed for “oversized” packages that we measured,  entered with their actual measurements in their software, only to find they revised my measurements to add a few inches here and there – and lots of extra shipping dollars.  That part is bad enough, but when they “fight” you when you call them on their error, that is when it really gets annoying.

Read more “Being Aware of Extra Fees – Part Two”

Being Aware of Extra Fees ~ Part One

If you haven’t considered following this blog – you might want to do it now.  Not only would I appreciate it, but I am going to try and hit every industry in the next few articles and make you aware of some of those annoying extra fees you might find each time you try to buy something.  


As I said in previous articles, I look over my receipts.  I am totally annoyed by all the extra fees that companies keeping adding to my totals.  Who came up with this method of charging for things anyway?  What happened to the one price method?  These added fees and charges always pop up after I buy something and especially when I have no choice to opt out,  go elsewhere for my items, or even negotiate it away.It's a revenue stream for me

Any commodity or item, you use for convenience or out of  necessity can  have these fees tacked on.  My opinion is that it started with sales tax.  Almost all of the states have it and, I believe they all thought charging everyone a little extra on everything would help them fill their coffers.   No one in the check out line ever said, you know I don’t think I’ll pay the sales tax today.  Basically, they couldn’t –  the states didn’t alloy anyone to  have a choice.  It’s pay the tax or you don’t get the item.  Sure, we can all run off to Delaware (currently they don’t have a sales tax) but even Delaware would be full before long and they’d likely need to implement a sales tax to deal with all those extra residents.

Ultimately scores of businesses jumped on the bandwagon with the states and decided to add “additional fees” whether you like it, want them, use them or need them.  These added fees are on almost everything.  This phenomenon has prolifierated  into just about every industry.  Here’s a few that particularly annoy me.  Remember everything I write is based on my own opinion and experiences and no one paid me to write these articles.

Phone Service:  On most phone bills there are a myriad of charges like the access fees, 911 fees, sales tax, goverment fees, and  line charges that even the phone company has a hard time explaining.  Recently on my phone bill from a known carrier I had a new charge.  This one is called a prop tax schg/fed reg fee and carrier universal service charge.  These charges are NOT taxes or amounts required by law.  They are charges which this company chooses to charge each user in order to collect and administer the “required” taxes and fees which ARE required by law.  Really?   Previously, when I checked this charge from this came company it said the extra fees were to recoup operation costs and real estate tax increases.  Really?  So any part of their business which needs an influx of cash that month?  Because let’s face it people, those are not, in my opinion, legitimate extra costs to be passed on, those are straight forward operating costs which are supposed to be already built into their base price (and likely are).

Read more “Being Aware of Extra Fees ~ Part One”

Unethical Dentistry

How many of you check your dental invoices to make sure you (or your children) received everything you actually paid for?  I am in the habit of checking all of my receipts and can tell you honestly that I usually find mistakes in almost every receipt.

This particular blog post is about a dentist who likely pads every bill and one way she tried to pad mine.

I have bonded front teeth which means that there only parts of my real front teeth remaining, and the rest is bonded and shaped to look natural.  The bonding lasts 10-15 years  and occasionally a piece cracks off and has to be repaired.   The repair is usually one visit to the dentist and costs about $300, based on my own experiences.Unethical Dentistry

The last time the bonding broke off , I went online and searched for a yearly dental plan.   These plans offer discounts across the board for any dental services.  They are relatively inexpensive and there are benefits above and beyond just bonding.  I looked for a plan that gave me what I thought I would  need for the year, at the lowest possible cost and had no waiting time.  These plans will often provide discounted rates  for your entire family, or anyone who is related and lives in your household at no additional cost.  Remember it’s not insurance and it’s not a copayment situation,  you pay to get all the listed services at a discounted price.  Many of these plans also provide  free checkups, free x-rays, and even free cleanings.  You pay for the year, get your card(s) and list of dentists (check this out before you sign up, as you do want to make sure there are some in your actual location first!) and then you are free to call and set up your appointment with any of their listed dentists or specialists. Read more “Unethical Dentistry”

Its Annoying ~ Short ~ US Savings Bonds

I don’t know about you, but there was something that “felt good” about having US Savings Bonds.  You were investing in the country you love, and the belief that without a doubt they were both responsible and able to pay you back with interest.  Holding the bond for a period of time you could double your investment.  They earned interest indefinately.

It was a standard gift to give for a new baby, because you knew that by the time they got around to cashing that bond, the interest would have accrued to a much more favorable number than your original investment.US-Savings-Bonds

It was a safe-haven against anything and everything that we imagined (at the time) could go wrong.  “At least I have those bonds”  ~ and that felt like a security blanket of sorts.

Well, that bubble started to burst a while back when the interest rate went close to 0% (current rate .60%). In the 1980’s bonds matured in 8-12 years, some had fixed rates of interest, some had market rates with a guarantee of a certain percentage of interest.  Todays bonds (since June 2003) take 20 years to mature to their face value, and only earn interest for 30 years.

All banks handled bonds.  No longer.  In fact as of December 31, 2011 they are all going electronic.  Existing bonds are not affected, and are still valid and able to earn interest for 30 years.  Banks will still cash your bonds for you, or even convert your paper bonds into electronic ones.  If you wish to buy bonds after December 31st, you will need to go to www.treasurydirect.gov

But for  me, it’s annoying.  I just do not feel the same about an electronic stake in this great country!  I can’t hold it, I can’t see it, and well, it just isn’t the same.

All opinions in these articles are mine and I have not been compensated in any way for these posts.