Author Topic: Unethical ways to save money  (Read 158613 times)

GuitarStv

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Re: Unethical ways to save money
« Reply #550 on: September 11, 2019, 08:14:22 AM »
I recently asked my coworker for a tampon. She said she only uses the ones that are in the free machines in the bathrooms at work. She said she just takes a handful home at night, so she doesn't ever have to buy any.

I appreciate having them available for free at work in case of emergency, but they are certainly not the best quality. Hence the reason I was asking a co worker for one rather that just grabbing a free one!

I once stole a commercial sized roll of toilet paper from my college football stadium. It proceeded to last me all through college and beyond.

Definitely unethical, even if I rationalized it at the time.

I stole a gigantic roll of toilet paper from a public university bathroom at the start of my second year.  It was about two ft across . . . and lasted me all of second year and most of third year.  :P

Unethical . . . but hilariously funny to me at the time.

Boofinator

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Re: Unethical ways to save money
« Reply #551 on: September 11, 2019, 09:15:31 AM »
I recently asked my coworker for a tampon. She said she only uses the ones that are in the free machines in the bathrooms at work. She said she just takes a handful home at night, so she doesn't ever have to buy any.

I appreciate having them available for free at work in case of emergency, but they are certainly not the best quality. Hence the reason I was asking a co worker for one rather that just grabbing a free one!

I once stole a commercial sized roll of toilet paper from my college football stadium. It proceeded to last me all through college and beyond.

Definitely unethical, even if I rationalized it at the time.

I stole a gigantic roll of toilet paper from a public university bathroom at the start of my second year.  It was about two ft across . . . and lasted me all of second year and most of third year.  :P

Unethical . . . but hilariously funny to me at the time.

Sad fact: I actually gifted what was left of my toilet paper roll to my parents for Christmas one year. They have not forgotten....

Those places need better security. We snuck into a football stadium just to look around and ended up playing on the field. Saw a whole pallet of soda fountain syrups on the way out, someone grabbed a powerade. Later realized it was enough to make something like 25 gallons.

The stadium used to be open to the public, and I used it regularly to workout. Only place within hundreds of miles where one could simulate a decent hill climb by using stairs.

I'm not aware of any vandalism at my college stadium, though I am guilty of having planted a tree on the fifty yard line at my high school stadium. (Also unethical, but more for the lulz than any money saving.)

dragoncar

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Re: Unethical ways to save money
« Reply #552 on: September 11, 2019, 09:17:16 AM »
I recently asked my coworker for a tampon. She said she only uses the ones that are in the free machines in the bathrooms at work. She said she just takes a handful home at night, so she doesn't ever have to buy any.

I appreciate having them available for free at work in case of emergency, but they are certainly not the best quality. Hence the reason I was asking a co worker for one rather that just grabbing a free one!

That’s why I only use the free tampons my coworkers give me.  Hit up a handful of coworkers each day and take home their high quality tampons

MyAlterEgoIsTaller

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Re: Unethical ways to save money
« Reply #553 on: September 11, 2019, 10:09:37 AM »
Yesterday it occurred to me that my dog's bottle of pills was lasting a really long time, and still seemed mostly full.  Then I figured out that the vet stuck the label that said "QTY: 60" on top of a label on the manufacturer's bottle that said "QTY: 180" - but apparently forgot to take out the other 120 pills.  Is it unethical to keep them without paying the vet?  I'm sure that if I returned the ones that are left they'd throw them away because they could be contaminated or tampered with - so if I kept them and didn't use them or threw them away then there's no ethical issue. But if I keep them and use them, should I be sending a check to the vet?  Or can I justify this as they should be more careful and I could probably get them in trouble with the veterinarians board or something for careless dispensing?

RyanAtTanagra

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Re: Unethical ways to save money
« Reply #554 on: September 11, 2019, 10:30:07 AM »
Yesterday it occurred to me that my dog's bottle of pills was lasting a really long time, and still seemed mostly full.  Then I figured out that the vet stuck the label that said "QTY: 60" on top of a label on the manufacturer's bottle that said "QTY: 180" - but apparently forgot to take out the other 120 pills.  Is it unethical to keep them without paying the vet?  I'm sure that if I returned the ones that are left they'd throw them away because they could be contaminated or tampered with - so if I kept them and didn't use them or threw them away then there's no ethical issue. But if I keep them and use them, should I be sending a check to the vet?  Or can I justify this as they should be more careful and I could probably get them in trouble with the veterinarians board or something for careless dispensing?

I don't think keeping and using them is unethical.  But if you want to be the most ethical without being wasteful (them throwing them away if you give them back), it would probably be to tell them and offer to pay for the extras.

MilesTeg

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Re: Unethical ways to save money
« Reply #555 on: September 11, 2019, 10:57:13 AM »
Quote from: GuitarStv
As far as I'm concerned, only the highest quality product should be made. 
...
If you want to buy a Chinese carbon frame from Aliexpress that has had no safety/longevity testing done on it, but costs 100$ . . . I kinda think you shouldn't be allowed to do it.
...
Sure.  I'm with Dabnasty.  The ultimate goal of 'last long' is to have the product last forever.


...  If you hold any single design criteria to infinitely exacting standards you are fucked when designing a product. ...

... Exactly the way that the stated goal of having a product not cause harm will result in products vastly over-engineered for safety harming both their suitability for their intended purpose and taking far more resources to build. ...

... Yep.  That's why longevity can't be the only design criteria.  Just like (as we've established above) safety can't be the only design criteria. ...

...But again, as with safety it can't be the only goal. ...

... Just as regulations for longevity can guide people towards longer lived products. ...

The only thing we really seem to disagree on here is that safety is somehow a magically different design criteria than anything else . . . be it efficiency, longevity, or other.

No, where we disagree is where this started. You stated, very clearly, that you think that only the highest quality products should be legal to sell/purchase. You've expanded on that to say that high quality means longevity. And you've further expanded that so say that the desired longevity is "forever". In other words, you are saying that you think only products that last forever should be legal to sell.

In other words, you want to enforce (not merely encourage) longevity to "to infinitely exacting standards". Then, amusingly, you start to lecture about how no single quality should be held paramount (because, in your own words, we'd be /fudged/), which is a directly contradictory statement.

So which is it. Should longevity be legally mandated, or should the overall quality of a product be managed? If it's the latter, who should be making the decision on what overall quality means?

Davnasty

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Re: Unethical ways to save money
« Reply #556 on: September 11, 2019, 11:53:04 AM »

No, where we disagree is where this started. You stated, very clearly, that you think that only the highest quality products should be legal to sell/purchase. You've expanded on that to say that high quality means longevity. And you've further expanded that so say that the desired longevity is "forever". In other words, you are saying that you think only products that last forever should be legal to sell.


Once several people ask for a side discussion to be moved to a new thread, you can start a new thread or end the discussion. Anything else is unethical.

Also, no one has said the bolded. In fact it was explicitly stated that this is unachievable. Rather, it's the equivalent goal of durability to no one ever being hurt as a goal of safety.

GuitarStv

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Re: Unethical ways to save money
« Reply #557 on: September 11, 2019, 12:35:39 PM »
Quote from: GuitarStv
As far as I'm concerned, only the highest quality product should be made. 
...
If you want to buy a Chinese carbon frame from Aliexpress that has had no safety/longevity testing done on it, but costs 100$ . . . I kinda think you shouldn't be allowed to do it.
...
Sure.  I'm with Dabnasty.  The ultimate goal of 'last long' is to have the product last forever.


...  If you hold any single design criteria to infinitely exacting standards you are fucked when designing a product. ...

... Exactly the way that the stated goal of having a product not cause harm will result in products vastly over-engineered for safety harming both their suitability for their intended purpose and taking far more resources to build. ...

... Yep.  That's why longevity can't be the only design criteria.  Just like (as we've established above) safety can't be the only design criteria. ...

...But again, as with safety it can't be the only goal. ...

... Just as regulations for longevity can guide people towards longer lived products. ...

The only thing we really seem to disagree on here is that safety is somehow a magically different design criteria than anything else . . . be it efficiency, longevity, or other.

No, where we disagree is where this started.

OK, cool.  I thought you were arguing that safety is somehow a more objective criteria than longevity.  That's actually the whole reason I started discussing longevity in the first place.



You stated, very clearly, that you think that only the highest quality products should be legal to sell/purchase.

Re-read the (out of context) quotes you have provided up above.  None of them say what you're claiming they do.

I do personally think that only the highest quality products should be made.  That would be my preference from a waste/ethics perspective.  Some regulation based on quality is necessary, but I've never advocated the levels that you have immediately jumped to several times in this discussion.

If you want to buy a Chinese carbon frame from Aliexpress that has had no safety/longevity testing done on it, but costs 100$ . . . I kinda think you shouldn't be allowed to do it.  Besides the personal risk to yourself (which in a civilized country that recognizes the right of citizens to health care ends up being a risk that everyone pays), there's also the waste created when the terrible product inevitably fails and is not worth fixing.

When there are serious and severe health and safety risks associated with buying stuff - yeah, it should be regulated.

But you seemed to get really hung up on 'highest quality' thing (assuming that my goal was the banning of huge swaths of the market or something).  So then I tried to explain that most products currently made would fit into a pretty high quality category by using the example of my (very average) road bike:
What happens when your $800 bike you use and love is deemed unacceptable because the $2,500 bike is the one that is now government approved because it lasts longer?

Bad initial assumption.  You need to first explain why the 800$ bike that I use would be deemed unacceptable.  'Lasts longer' doesn't seem to be a valid argument . . . I've put tens of thousands of kilometers on it over seven or eight years.

The goal of the design criteria 'last long' is to have a product last forever.  If you had the option to buy a bike that lasted forever and a bike that lasted a couple years, all other things being equal you would pick the bike that lasted forever.  In the real world of course, all other things are not equal . . . but how else would you define the goal of that design criteria?


You've expanded on that to say that high quality means longevity.

Nope.  I neither believe that nor have I said it in this thread.

I'd define something as being high quality if it can do the task it was designed to do well and reliably for a long period of time.  (Probably should have some requirements for safety as well.)  Longevity is a part of quality, but I've never argued that it was the only part.  Read back through the posts I've made.


And you've further expanded that so say that the desired longevity is "forever". In other words, you are saying that you think only products that last forever should be legal to sell. In other words, you want to enforce (not merely encourage) longevity to "to infinitely exacting standards". Then, amusingly, you start to lecture about how no single quality should be held paramount (because, in your own words, we'd be /fudged/), which is a directly contradictory statement.

Incorrect initial assumptions lead to incorrect conclusions.  I didn't argue what you said I did, so the extrapolations you're making from those bad assumptions are likely the source of your confusion here.  (If it makes you feel better, I concede that you vanquished the hell out of that straw man.   :P  )


So which is it. Should longevity be legally mandated, or should the overall quality of a product be managed? If it's the latter, who should be making the decision on what overall quality means?

I do think that some aspects of quality should be legally mandated.  Longevity is one of them.  Safety is one of them.  Energy efficiency too.  Who should be making the final decision on what overall quality means?  I'm not sure what the best answer is.  I'd imagine that it would be somewhat product specific and would need some combination of input from informed manufacturers, government officials, users, and developers.  We could look at various use cases (energy regulation regarding light bulbs, safety regulation regarding automobiles, etc.  The UK has had legal requirements regarding satisfactory quality of goods since the Sales Goods Act of 1979 for example).  What would you suggest?
« Last Edit: September 11, 2019, 12:38:28 PM by GuitarStv »

Dragonswan

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Re: Unethical ways to save money
« Reply #558 on: September 11, 2019, 03:01:45 PM »
My ethical rule of thumb for work is: If you think it's alright to use it or take it ask your boss for it.  The reason most people don't ask is because they know what they are doing is unethical or borderline and don't want confirmation of that so their conscience can tell them they did nothing wrong.  That said, my job has a de minimus policy so there is some subjectivity and judgement involved.  But we were given some examples at orientation to help us out. (We also have an ethics officer for more official things.) Still on occasion I'll ask my boss when I think I might be putting a toe over the line.
True.  That would be covered under my job's de minimus policy.  The way they explained it I could print a couple of pages out, like a tax return, but not use a ream of paper to print flyers for personal use.  Or I could use the phone for long distance calls to arrange personal transportation or an emergency but it's not a substitute for my own long distance service (yep, back in the day before cell phones were a household item).  So I'm saying if you think it's OK to take a box or pens, not just one, ask your boss and see what they say.  It might be fine with them but probably not.

This is probably a good rule if you have doubts, but I think if I asked about taking paperclips or printing personal stuff it would just be awkward, in a "why the hell are you asking me this" kind of way.

slappy

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Re: Unethical ways to save money
« Reply #559 on: September 11, 2019, 03:49:39 PM »
I recently asked my coworker for a tampon. She said she only uses the ones that are in the free machines in the bathrooms at work. She said she just takes a handful home at night, so she doesn't ever have to buy any.

I appreciate having them available for free at work in case of emergency, but they are certainly not the best quality. Hence the reason I was asking a co worker for one rather that just grabbing a free one!

That’s why I only use the free tampons my coworkers give me.  Hit up a handful of coworkers each day and take home their high quality tampons

Haha this is brilliant!

merula

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Re: Unethical ways to save money
« Reply #560 on: September 12, 2019, 08:51:20 AM »
Cross-over to (unethical) mustachian people problems: my coworkers keep offering me pamphlets on endometriosis and uterine fibroids because I ask for free tampons all the time, so they think I have prolonged and irregular periods.

Just Joe

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Re: Unethical ways to save money
« Reply #561 on: September 13, 2019, 08:56:18 AM »
Borrowed a spool of shrink tubing one time from employer. Just needed a foot or so (cents worth).

Never got around to taking the spool back. Then left the employer months later.

25 years later I still have this spool. I probably have three lifetimes worth of shrink tubing at the pace I use it.

Looked it up - at the time, probably cost $35.

BlueHouse

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Re: Unethical ways to save money
« Reply #562 on: September 13, 2019, 10:17:11 AM »
I would love to see $10k in pennies.

Here you go 1 million pennies or $10,000


It's my nightmare to be buried alive under thousands of pounds of pennies.

SKL-HOU

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Re: Unethical ways to save money
« Reply #563 on: September 16, 2019, 06:10:00 PM »
I recently asked my coworker for a tampon. She said she only uses the ones that are in the free machines in the bathrooms at work. She said she just takes a handful home at night, so she doesn't ever have to buy any.

I appreciate having them available for free at work in case of emergency, but they are certainly not the best quality. Hence the reason I was asking a co worker for one rather that just grabbing a free one!

That’s why I only use the free tampons my coworkers give me.  Hit up a handful of coworkers each day and take home their high quality tampons

Haha this is brilliant!

It is an a$$hole move.

dragoncar

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Re: Unethical ways to save money
« Reply #564 on: September 17, 2019, 12:16:45 AM »
I recently asked my coworker for a tampon. She said she only uses the ones that are in the free machines in the bathrooms at work. She said she just takes a handful home at night, so she doesn't ever have to buy any.

I appreciate having them available for free at work in case of emergency, but they are certainly not the best quality. Hence the reason I was asking a co worker for one rather that just grabbing a free one!

That’s why I only use the free tampons my coworkers give me.  Hit up a handful of coworkers each day and take home their high quality tampons

Haha this is brilliant!

It is an a$$hole move.

I think you might be putting your tampons in the wrong hole

GuitarStv

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Re: Unethical ways to save money
« Reply #565 on: September 17, 2019, 07:41:17 AM »
I recently asked my coworker for a tampon. She said she only uses the ones that are in the free machines in the bathrooms at work. She said she just takes a handful home at night, so she doesn't ever have to buy any.

I appreciate having them available for free at work in case of emergency, but they are certainly not the best quality. Hence the reason I was asking a co worker for one rather that just grabbing a free one!

That’s why I only use the free tampons my coworkers give me.  Hit up a handful of coworkers each day and take home their high quality tampons

Haha this is brilliant!

It is an a$$hole move.

I think you might be putting your tampons in the wrong hole

You're supposed to put them where the blue liquid comes out, right?  That's what all the commercials have been telling me. . .

SKL-HOU

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Re: Unethical ways to save money
« Reply #566 on: September 17, 2019, 07:06:05 PM »
I recently asked my coworker for a tampon. She said she only uses the ones that are in the free machines in the bathrooms at work. She said she just takes a handful home at night, so she doesn't ever have to buy any.

I appreciate having them available for free at work in case of emergency, but they are certainly not the best quality. Hence the reason I was asking a co worker for one rather that just grabbing a free one!

That’s why I only use the free tampons my coworkers give me.  Hit up a handful of coworkers each day and take home their high quality tampons

Haha this is brilliant!

It is an a$$hole move.

I think you might be putting your tampons in the wrong hole

Hahahha! That explains it all :)

nancyfrank232

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Unethical ways to save money
« Reply #567 on: October 19, 2019, 02:34:13 AM »
Buy some books

Read them

Return them for refund

Rinse and repeat

Didn’t read all 500+ posts, but I’ll put this here:

Go to the movies with a friend (this can be done with any number of friends)

Buy one ticket for your friend and one ticket for yourself

Go into the theatre

Before the movie starts, one person takes both tickets and goes out to customer service to refund one ticket and then uses the other ticket to go back in and rejoin their friend

50% off

Bonus points for telling the staff at the door that you’re just going to the washroom so they remember you. Then refunding both tickets and returning back to the theatre to rejoin your friend

100% off
« Last Edit: October 19, 2019, 02:45:14 AM by nancyfrank232 »

rocketpj

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Re: Unethical ways to save money
« Reply #568 on: October 19, 2019, 01:17:57 PM »
I just experienced this on the receiving end, but it definitely saved my tenant some money:

1.  Rent a storage locker, pay for a couple of months in advance. 
2.  Be late for the next month, come in, give reasons, make a partial payment.
3.  Be totally random but occasionally pay part of the outstanding balance - enough that I wasn't bothered to evict.
4.  Let it be for a couple of months, then come in and raise a giant stink about some fake damage to your stuff.  Negotiate a discount and an agreement to move out right away.  Pay the discounted amount.
5.  Delay moving out for a few more weeks, then move out without paying any more.
6.  Move into another storage building.

The number of times this has happened to me is not small.  They definitely save money, but they are definitely unethical about it.  I have learned just to cut their lock and put a bar across their door after the first round - they pay in full or they don't get their stuff.  I'm sick of being played.

solon

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Re: Unethical ways to save money
« Reply #569 on: October 19, 2019, 08:17:54 PM »
Buy some books

Read them

Return them for refund

Rinse and repeat

Didn’t read all 500+ posts, but I’ll put this here:

Go to the movies with a friend (this can be done with any number of friends)

Buy one ticket for your friend and one ticket for yourself

Go into the theatre

Before the movie starts, one person takes both tickets and goes out to customer service to refund one ticket and then uses the other ticket to go back in and rejoin their friend

50% off

Bonus points for telling the staff at the door that you’re just going to the washroom so they remember you. Then refunding both tickets and returning back to the theatre to rejoin your friend

100% off

How do you get a refund on a movie ticket?

Proud Foot

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Re: Unethical ways to save money
« Reply #570 on: October 21, 2019, 10:34:27 AM »
Buy some books

Read them

Return them for refund

Rinse and repeat

Didn’t read all 500+ posts, but I’ll put this here:

Go to the movies with a friend (this can be done with any number of friends)

Buy one ticket for your friend and one ticket for yourself

Go into the theatre

Before the movie starts, one person takes both tickets and goes out to customer service to refund one ticket and then uses the other ticket to go back in and rejoin their friend

50% off

Bonus points for telling the staff at the door that you’re just going to the washroom so they remember you. Then refunding both tickets and returning back to the theatre to rejoin your friend

100% off

How do you get a refund on a movie ticket?

Agreed. Every time I have gone to a movie someone is taking the tickets at the entrance and then tears a part of the ticket off. No way this would work at the theaters I have been to.

Boofinator

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Re: Unethical ways to save money
« Reply #571 on: October 21, 2019, 11:19:20 AM »
I am unsure if it is unethical since I am unfamiliar with the tax requirements.

But having a significant other move in and pay half your mortgage without reporting it as rental income.  Anyone know the actual tax rules here?  If your apartment costs $1500 and your non-spouse partner moves in and pays $750 a month to you for rent, is that supposed to be reported as income?  I could see most people not filing it that way.

I'm guessing you are right on both counts, though I am not familiar enough with the law to state either way.

This question could really be expanded into a lot of areas:

If you're renting with a roommate, and you are the primary on the lease, if he gives you a check for half the rent, he's simply helping defray costs, right? But then you pay the landlord, who pays taxes (though likely minimally, since he gets tax deductions).

To take it a step further, if somebody gives you gas money to go on a trip you were already planning to take, would that be considered income as well? Would it make a difference if it is your car versus a rental car?

I guess my non-legal (illegal?) thought is that if the money is being used to defray costs rather than as profit, than there isn't a big need to report to the IRS.

Dicey

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Re: Unethical ways to save money
« Reply #572 on: October 21, 2019, 12:32:25 PM »
When I was a renter, I never claimed my roommate's half of the rent as income. Even when they were paying the big half because my rent was below market as a result of long tenancy. Mine was the only name on the lease. I'm not even sure I was required to under those circumstances. However, as a homeowner, I had a tenant for a period of time. I did not claim their rental income. Pretty sure that qualifies for this thread.

merula

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Re: Unethical ways to save money
« Reply #573 on: October 21, 2019, 12:48:08 PM »
Volunteer tax preparer here.

All of these things are taxable. Everything is taxable in America. Per the IRS: "Gross income means all income you received in the form of money, goods, property, and services that isn't exempt from tax."

Your significant other giving you something for housing is income, whether that thing is rent money, cooking/cleaning services, or *personal services*. Your friend giving you something for a ride is income, whether that thing is gas money, paying for the gas themselves, or paying you in Hummel figurines.

The catch is that there's a gift exemption of $13k per person, so most of these barter situations could reasonably be covered by "she gifted me a ride, no strings attached, and then because we're friends, I gave her a Hummel figurine" and are unlikely to be valued at over $13k. Also, even if you were to get audited, there's no way to prove that something of value changed hands.

In practice, the standard is "it's taxable if someone is tracking it", but the true letter of the law says that all of this is taxable.

dragoncar

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Re: Unethical ways to save money
« Reply #574 on: October 21, 2019, 12:53:34 PM »
Buy some books

Read them

Return them for refund

Rinse and repeat

Didn’t read all 500+ posts, but I’ll put this here:

Go to the movies with a friend (this can be done with any number of friends)

Buy one ticket for your friend and one ticket for yourself

Go into the theatre

Before the movie starts, one person takes both tickets and goes out to customer service to refund one ticket and then uses the other ticket to go back in and rejoin their friend

50% off

Bonus points for telling the staff at the door that you’re just going to the washroom so they remember you. Then refunding both tickets and returning back to the theatre to rejoin your friend

100% off

How do you get a refund on a movie ticket?

Agreed. Every time I have gone to a movie someone is taking the tickets at the entrance and then tears a part of the ticket off. No way this would work at the theaters I have been to.

You can definitely do it. Usually if you return the ticket early in the show (for example it was really bad) they will give your money back.  If you return it after watching the whole thing (perhaps there was bad focus but still watchable) they usually give you a free pass. 

But to return the ticket and turn around and re-enter the theater is a bit ridiculous.  It sounds like a lot of extra work for what is essentially sneaking into the theater.  You could just buy one ticket and pass back the stub and not risk customer service noticing you re-entering.  Or just hope the rope while your friend distracts the guy, or any other number of ways to basically steal from the theater

dragoncar

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Re: Unethical ways to save money
« Reply #575 on: October 21, 2019, 12:58:38 PM »
I am unsure if it is unethical since I am unfamiliar with the tax requirements.

But having a significant other move in and pay half your mortgage without reporting it as rental income.  Anyone know the actual tax rules here?  If your apartment costs $1500 and your non-spouse partner moves in and pays $750 a month to you for rent, is that supposed to be reported as income?  I could see most people not filing it that way.

I’d probably file this under illegal but not unethical.  The accounting rules for a rental property are a pain in the ass, and you would probably still be claiming a loss on the property so you wouldn’t be owing any tax just complicating your life.

talltexan

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Re: Unethical ways to save money
« Reply #576 on: November 01, 2019, 09:02:32 AM »
The right girlfriend could speed your way toward FIRE, no question.

The wrong one could put it entirely out of reach.

TomTX

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Re: Unethical ways to save money
« Reply #577 on: November 01, 2019, 07:30:10 PM »
Your friend giving you something for a ride is income, whether that thing is gas money, paying for the gas themselves, or paying you in Hummel figurines.

Sure, your friend giving you gas money is "income" - but if it's less than the business mileage rate, you don't actually owe anything. Heck, you declare it a business and claim a loss, which you apply against regular income.

Right?

dragoncar

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Re: Unethical ways to save money
« Reply #578 on: November 02, 2019, 02:30:00 PM »
Your friend giving you something for a ride is income, whether that thing is gas money, paying for the gas themselves, or paying you in Hummel figurines.

Sure, your friend giving you gas money is "income" - but if it's less than the business mileage rate, you don't actually owe anything. Heck, you declare it a business and claim a loss, which you apply against regular income.

Right?

I don’t think you can apply business loss against regular income.  Maybe there’s a very small amount.  It could also be counted as hobby income since it’s basically always a loss

Edit well I guess I was wrong... anyone who knows about this want to chime in?  Seems like a fat way to game the system
« Last Edit: November 02, 2019, 02:34:31 PM by dragoncar »

sun and sand

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Re: Unethical ways to save money
« Reply #579 on: November 02, 2019, 05:57:20 PM »
Re. Tax Deductions.   I live in Canada. When I was working as a teacher, I paid almost no tax because of deductions on rental properties. Absolutely legal. My accountant prepares my returns.

secondcor521

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Re: Unethical ways to save money
« Reply #580 on: November 03, 2019, 08:44:54 AM »
Your friend giving you something for a ride is income, whether that thing is gas money, paying for the gas themselves, or paying you in Hummel figurines.

Sure, your friend giving you gas money is "income" - but if it's less than the business mileage rate, you don't actually owe anything. Heck, you declare it a business and claim a loss, which you apply against regular income.

Right?

I don’t think you can apply business loss against regular income.  Maybe there’s a very small amount.  It could also be counted as hobby income since it’s basically always a loss

Edit well I guess I was wrong... anyone who knows about this want to chime in?  Seems like a fat way to game the system

It's probably tax fraud.  From the IRS:

"To be deductible, a business expense must be both ordinary and necessary. An ordinary expense is one that is common and accepted in your trade or business. A necessary expense is one that is helpful and appropriate for your trade or business."

https://www.irs.gov/businesses/small-businesses-self-employed/deducting-business-expenses

Giving a friend a ride is probably not an ordinary and necessary expense for your business.  Unless you're an Uber or Lyft or taxi driver, which is a different scenario than the kind of thing I think is being talked about here.

TomTX

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Re: Unethical ways to save money
« Reply #581 on: November 03, 2019, 11:57:12 AM »
Your friend giving you something for a ride is income, whether that thing is gas money, paying for the gas themselves, or paying you in Hummel figurines.

Sure, your friend giving you gas money is "income" - but if it's less than the business mileage rate, you don't actually owe anything. Heck, you declare it a business and claim a loss, which you apply against regular income.

Right?

I don’t think you can apply business loss against regular income.  Maybe there’s a very small amount.  It could also be counted as hobby income since it’s basically always a loss

Edit well I guess I was wrong... anyone who knows about this want to chime in?  Seems like a fat way to game the system

It's probably tax fraud.  From the IRS:

"To be deductible, a business expense must be both ordinary and necessary. An ordinary expense is one that is common and accepted in your trade or business. A necessary expense is one that is helpful and appropriate for your trade or business."

https://www.irs.gov/businesses/small-businesses-self-employed/deducting-business-expenses

Giving a friend a ride is probably not an ordinary and necessary expense for your business.  Unless you're an Uber or Lyft or taxi driver, which is a different scenario than the kind of thing I think is being talked about here.

Selling one item on Craigslist can be a business. Giving one paid ride can be a business. Both short-lived, both completely legitimate.

nancyfrank232

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Unethical ways to save money
« Reply #582 on: November 03, 2019, 03:05:08 PM »
When you enter some grocers (eg. Whole Foods) they charge you parking unless you spend a certain dollar amount. The cashier can validate the ticket so you don’t need to pay. Just be friendly to the cashier and they will validate regardless if you bought anything

Whole Foods has various cash out locations (main cash, breakfast cash, customer service). If one cashier turns you down, just walk to another cash out location until your ticket is validated

Whole Foods and other grocers offer free samples throughout the store. Enjoy them

They also offer samples of the prepared foods if you ask. Enjoy those

Whole Foods breakfast location will give you a cup of hot water if you ask. Bring tea or instant coffee and make yourself a drink. Sugar/sweetener, milk/cream is already provided

secondcor521

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Re: Unethical ways to save money
« Reply #583 on: November 03, 2019, 03:43:50 PM »
Your friend giving you something for a ride is income, whether that thing is gas money, paying for the gas themselves, or paying you in Hummel figurines.

Sure, your friend giving you gas money is "income" - but if it's less than the business mileage rate, you don't actually owe anything. Heck, you declare it a business and claim a loss, which you apply against regular income.

Right?

I don’t think you can apply business loss against regular income.  Maybe there’s a very small amount.  It could also be counted as hobby income since it’s basically always a loss

Edit well I guess I was wrong... anyone who knows about this want to chime in?  Seems like a fat way to game the system

It's probably tax fraud.  From the IRS:

"To be deductible, a business expense must be both ordinary and necessary. An ordinary expense is one that is common and accepted in your trade or business. A necessary expense is one that is helpful and appropriate for your trade or business."

https://www.irs.gov/businesses/small-businesses-self-employed/deducting-business-expenses

Giving a friend a ride is probably not an ordinary and necessary expense for your business.  Unless you're an Uber or Lyft or taxi driver, which is a different scenario than the kind of thing I think is being talked about here.

Selling one item on Craigslist can be a business. Giving one paid ride can be a business. Both short-lived, both completely legitimate.

I wouldn't do it.  Good luck to the person if they are ever audited.

TomTX

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Re: Unethical ways to save money
« Reply #584 on: November 03, 2019, 05:48:17 PM »
Your friend giving you something for a ride is income, whether that thing is gas money, paying for the gas themselves, or paying you in Hummel figurines.

Sure, your friend giving you gas money is "income" - but if it's less than the business mileage rate, you don't actually owe anything. Heck, you declare it a business and claim a loss, which you apply against regular income.

Right?

I don’t think you can apply business loss against regular income.  Maybe there’s a very small amount.  It could also be counted as hobby income since it’s basically always a loss

Edit well I guess I was wrong... anyone who knows about this want to chime in?  Seems like a fat way to game the system

It's probably tax fraud.  From the IRS:

"To be deductible, a business expense must be both ordinary and necessary. An ordinary expense is one that is common and accepted in your trade or business. A necessary expense is one that is helpful and appropriate for your trade or business."

https://www.irs.gov/businesses/small-businesses-self-employed/deducting-business-expenses

Giving a friend a ride is probably not an ordinary and necessary expense for your business.  Unless you're an Uber or Lyft or taxi driver, which is a different scenario than the kind of thing I think is being talked about here.

Selling one item on Craigslist can be a business. Giving one paid ride can be a business. Both short-lived, both completely legitimate.

I wouldn't do it.  Good luck to the person if they are ever audited.

I wouldn't do it either. However, if the IRS (for some reason) came after me for accepting gas money, I certainly would come back with that. Sure, you can tax me on the $10 in gas money. I'll deduct $53 for the mileage. Thanks!

SwordGuy

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Re: Unethical ways to save money
« Reply #585 on: November 03, 2019, 06:10:09 PM »
Your friend giving you something for a ride is income, whether that thing is gas money, paying for the gas themselves, or paying you in Hummel figurines.

Sure, your friend giving you gas money is "income" - but if it's less than the business mileage rate, you don't actually owe anything. Heck, you declare it a business and claim a loss, which you apply against regular income.

Right?

I don’t think you can apply business loss against regular income.  Maybe there’s a very small amount.  It could also be counted as hobby income since it’s basically always a loss

Edit well I guess I was wrong... anyone who knows about this want to chime in?  Seems like a fat way to game the system

It's probably tax fraud.  From the IRS:

"To be deductible, a business expense must be both ordinary and necessary. An ordinary expense is one that is common and accepted in your trade or business. A necessary expense is one that is helpful and appropriate for your trade or business."

https://www.irs.gov/businesses/small-businesses-self-employed/deducting-business-expenses

Giving a friend a ride is probably not an ordinary and necessary expense for your business.  Unless you're an Uber or Lyft or taxi driver, which is a different scenario than the kind of thing I think is being talked about here.

Selling one item on Craigslist can be a business. Giving one paid ride can be a business. Both short-lived, both completely legitimate.

I wouldn't do it.  Good luck to the person if they are ever audited.

I wouldn't do it either. However, if the IRS (for some reason) came after me for accepting gas money, I certainly would come back with that. Sure, you can tax me on the $10 in gas money. I'll deduct $53 for the mileage. Thanks!

The IRS can see reason -- if you point it out to them.   Years ago I got a job out of the country for a year.   I did our income taxes and sent them in before I left the country along with a check to the IRS for $3,648.00   A couple of months later my wife joins me for the summer.  So, about 5 months after I filed our return she gets back in country and discovers a letter from the IRS saying we owed $3,611.52 plus penalties and late fees.    Plus, a 1-time tax credit wouldn't be allowed because we hadn't paid in time, so there was that added back in.

I look up our banking records and find that our $3,648.00 check had been cashed by the IRS!    But -- on the back where the machine printed "the stuff" about cashing it, it clearly showed that the check was cashed for $36.48.   Yep.    Someone made a simple clerical boo-boo.

I called the IRS to see if I could get it resolved.   They admitted the mistake on the check but wouldn't budge on the tax credit and wanted me to send in the rest of what I owed.   I told them if they wanted to be unreasonable, **I** had a check for $3,648.00 that the IRS had cashed, so I was willing to maintain that I had already paid them in full, if that's what they wanted.    I was **willing** to be a good citizen and do the right thing, but if they wanted to be unreasonable about it, well, I already had proof I had paid the tax and they could live with that.   The rep did some quick math in their head and we both did the right thing.  :)

Omy

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Re: Unethical ways to save money
« Reply #586 on: November 04, 2019, 08:39:08 AM »
I had a similar IRS experience - they are reasonable if you can explain your position clearly. They sent a letter pointing out that we had taken a subtraction twice and owed them $1600. They were correct about us inadvertently making that mistake. But upon our review, we realized that we had also double accounted the income for that category. When we corrected both errors, they actually owed us over $4000...and paid us interest without us asking for it!

So it's a bit off topic since I avoid anything unethical when it comes to taxes. To the point that they owe me money during an audit...

Phenix

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Re: Unethical ways to save money
« Reply #587 on: November 05, 2019, 08:49:50 AM »
In college, I would always buy a book that was a  couple editions old for $5 or $10 and just take pictures of the homework problems from someone who bought the newest version of the book.
In most of those books, the chapters were nearly identical (on a couple occasions they organized them in a different order), just the problems would be different.  I'm sure this is all changing now in the world of digital copies.

Davnasty

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Re: Unethical ways to save money
« Reply #588 on: November 05, 2019, 09:07:04 AM »
In college, I would always buy a book that was a  couple editions old for $5 or $10 and just take pictures of the homework problems from someone who bought the newest version of the book.
In most of those books, the chapters were nearly identical (on a couple occasions they organized them in a different order), just the problems would be different.  I'm sure this is all changing now in the world of digital copies.

I think the publishers are the unethical money makers here. Wasting resources and taking advantage of students by producing a product that no one really needs.

Phenix

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Re: Unethical ways to save money
« Reply #589 on: November 05, 2019, 11:16:26 AM »
In college, I would always buy a book that was a  couple editions old for $5 or $10 and just take pictures of the homework problems from someone who bought the newest version of the book.
In most of those books, the chapters were nearly identical (on a couple occasions they organized them in a different order), just the problems would be different.  I'm sure this is all changing now in the world of digital copies.

I think the publishers are the unethical money makers here. Wasting resources and taking advantage of students by producing a product that no one really needs.

Agreed.  I've always liked the idea of a college that uses free content widely available online (at least for undergrad).  There is an infinite amount of information readily available online for free.

Boofinator

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Re: Unethical ways to save money
« Reply #590 on: November 05, 2019, 02:09:12 PM »
In college, I would always buy a book that was a  couple editions old for $5 or $10 and just take pictures of the homework problems from someone who bought the newest version of the book.
In most of those books, the chapters were nearly identical (on a couple occasions they organized them in a different order), just the problems would be different.  I'm sure this is all changing now in the world of digital copies.

I think the publishers are the unethical money makers here. Wasting resources and taking advantage of students by producing a product that no one really needs.

Agreed.  I've always liked the idea of a college that uses free content widely available online (at least for undergrad).  There is an infinite amount of information readily available online for free.

But then why even go to college, since everything you might possibly want to learn is already freely available?

Bloop Bloop

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Re: Unethical ways to save money
« Reply #591 on: November 05, 2019, 02:11:27 PM »
A lot of legal and medical information is not available for free. It is usually protected behind proprietary databases or journals, or is subject to commercial confidentiality. Not every college course can rely on publicly accessible material.

Davnasty

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Re: Unethical ways to save money
« Reply #592 on: November 05, 2019, 02:12:15 PM »
In college, I would always buy a book that was a  couple editions old for $5 or $10 and just take pictures of the homework problems from someone who bought the newest version of the book.
In most of those books, the chapters were nearly identical (on a couple occasions they organized them in a different order), just the problems would be different.  I'm sure this is all changing now in the world of digital copies.

I think the publishers are the unethical money makers here. Wasting resources and taking advantage of students by producing a product that no one really needs.

Agreed.  I've always liked the idea of a college that uses free content widely available online (at least for undergrad).  There is an infinite amount of information readily available online for free.

But then why even go to college, since everything you might possibly want to learn is already freely available?

Instruction, coursework, collaboration with other students... I think there would be lots of reasons. If it were that simple I could make the same argument that anyone could just buy the textbooks, why even go to college.

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Re: Unethical ways to save money
« Reply #593 on: November 05, 2019, 05:30:21 PM »
I recently asked my coworker for a tampon. She said she only uses the ones that are in the free machines in the bathrooms at work. She said she just takes a handful home at night, so she doesn't ever have to buy any.

I appreciate having them available for free at work in case of emergency, but they are certainly not the best quality. Hence the reason I was asking a co worker for one rather that just grabbing a free one!

That’s why I only use the free tampons my coworkers give me.  Hit up a handful of coworkers each day and take home their high quality tampons

I was feeling sorry for one of my patients when she was telling me that she shoplifted a box of tampons because she was homeless at the time, had no money, and had blood running down her leg.  Because of the subsequent shoplifting arrest, she is having a hard time finding a job.  This all sounded tragic and unfair until I remembered that she had found money for heroin during that time.

nancyfrank232

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Unethical ways to save money
« Reply #594 on: November 05, 2019, 10:06:21 PM »
I think the publishers are the unethical money makers here. Wasting resources and taking advantage of students by producing a product that no one really needs.

Lots of businesses make things that we don’t need. They make them because people will to pay

RyanAtTanagra

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Re: Unethical ways to save money
« Reply #595 on: November 05, 2019, 10:18:46 PM »
I think the publishers are the unethical money makers here. Wasting resources and taking advantage of students by producing a product that no one really needs.

Lots of businesses make things that we don’t need. They make them because people will to pay

The problem is, with the case of textbooks, the people paying aren't the ones making the choice.

Boofinator

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Re: Unethical ways to save money
« Reply #596 on: November 06, 2019, 07:26:03 AM »

Agreed.  I've always liked the idea of a college that uses free content widely available online (at least for undergrad).  There is an infinite amount of information readily available online for free.

But then why even go to college, since everything you might possibly want to learn is already freely available?

Instruction, coursework, collaboration with other students... I think there would be lots of reasons. If it were that simple I could make the same argument that anyone could just buy the textbooks, why even go to college.

Agreed; here's where purchasing books fits into the college experience: Cutting edge information, modern approach (imagine trying to read Isaac Newton's Principia, let alone Euclid, both of which are of course freely available and were cutting edge for their time), tangible sources of information, etc. If one doesn't pay authors (and publishers), one doesn't get new, quality material (over time, of course).

I agree with everyone not purchasing the latest edition, that's definitely the Mustachian approach. But in my opinion, one shouldn't take it too far. (Similar to automobiles, you can get a Model T pretty cheap, but what's the point?)

nancyfrank232

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Unethical ways to save money
« Reply #597 on: November 06, 2019, 07:45:02 AM »
The problem is, with the case of textbooks, the people paying aren't the ones making the choice.

Which choice? To go to college, pick the major, or take the course?

Who made the choice?

Phenix

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Re: Unethical ways to save money
« Reply #598 on: November 06, 2019, 07:56:47 AM »

Agreed.  I've always liked the idea of a college that uses free content widely available online (at least for undergrad).  There is an infinite amount of information readily available online for free.

But then why even go to college, since everything you might possibly want to learn is already freely available?

Instruction, coursework, collaboration with other students... I think there would be lots of reasons. If it were that simple I could make the same argument that anyone could just buy the textbooks, why even go to college.

Agreed; here's where purchasing books fits into the college experience: Cutting edge information, modern approach (imagine trying to read Isaac Newton's Principia, let alone Euclid, both of which are of course freely available and were cutting edge for their time), tangible sources of information, etc. If one doesn't pay authors (and publishers), one doesn't get new, quality material (over time, of course).

I certainly agree with the bold text above.  I was certainly looking at this more from my perspective having a degree in accounting.  Most of the material covered in my business classes is probably still the same a decade later.  Sure, some things have changed with the passage of certain laws, but when we're talking the fundamental basics of understanding accounting, finance, economics, management, statistics, etc., it's still the same.  Just because an author (and publisher) updates 5% of the text in their book (I think I'm being generous with 5%), doesn't equate to the need to charge a student $300 for "new" material.

My business law class was the biggest kick in the junk.  The university had their own edition of that book and you could not find a used copy of it anywhere (always sold out).  The book did not flow well either.  You could see the vast difference in writing styles among the 4 professors that contributed to the content of the book.

Phenix

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Re: Unethical ways to save money
« Reply #599 on: November 06, 2019, 07:57:42 AM »
The problem is, with the case of textbooks, the people paying aren't the ones making the choice.

Which choice? To go to college, pick the major, or take the course?

Who made the choice?

The reference is probably to the professors that require the use of a specific edition of the text book.