By Jeanne Fleming, Ph.D. and Leonard Schwarz

Question: My husband has negotiated a price for painting our house that's significantly lower than a bid we got a while back from the same small business. I think he may be taking unfair advantage of people who are hurting in the recession. Is he?

Answer: Remember the good old days – you know, two years ago? As we recall, painters weren't reluctant to push their bids up then, when demand for their services was strong. That behavior wasn't unethical, and neither is it unethical for you to take advantage of the fact that today business is slow. Indeed, the effect that supply and demand have on prices is at the core of a market economy. You'll be paying a price the painters agreed to, and you can rest assured they want the work.

Is it possible to overstep? Yes. Squeezing the desperate isn't right. So if your husband has extracted a price from these painters that's genuinely exploitative – for example, if you know the business owner needs the cash to save his house but will have to do the work for five bucks an hour – then you should revisit this bid and agree on a more equitable price.

Questions? Email Money Magazine’s ethicists – authors of “Isn’t It Their Turn to Pick Up the Check?” (Free Press) – at FlemingandSchwarz@right-thing.net.

by JEANNE FLEMING, PH.D. and LEONARD SCHWARZ

Question: I’ve decided to leave my husband, so I’ve begun transferring things from our home – mostly stuff from my family – to a storage locker I’ve secretly rented. Chris can be petty. Once he learns I want a divorce, he’ll try to get everything he can, even items he doesn’t care about. Am I doing anything wrong?

Answer: As the queen of heartaches Tammy Wynette once observed, D-I-V-O-R-C-E is pure H-E-Double-L hell. But that’s no excuse for behaving dishonorably. In concealing your intentions while surreptitiously raiding the roost, you’re not being fair to your husband. Since Chris assumes you’re still M-A-Double-R-I-E-D, he’s undoubtedly acting differently than he would if he knew what you knew. Were you to announce your decision, would he, say, continue to have his paycheck deposited in your joint account, accept a generous gift to you both from his parents or – on another front – fail to notice that things are disappearing from the house? We doubt it.

Don’t misunderstand. We’re all for you standing up for your own interests. And if Chris were violent, not revealing your plans until after you’d moved would be fine. But maintaining the pretense of a stable marriage in order to keep your spouse from noticing that you’re helping yourself to what’s arguably community property is cheating, and that’s true whether you’re sneaking prize possessions into a secret storage locker or funneling money into a secret bank account. The Bermuda Triangle of men, women and money has destroyed the integrity of many an otherwise honest person. Try not to let it happen to you.

Questions? Email Money Magazine’s ethicists – authors of “Isn’t It Their Turn to Pick Up the Check?” (Free Press) – at FlemingandSchwarz@right-thing.net.

by JEANNE FLEMING, PH.D. and LEONARD SCHWARZ

Question: I recently opened my own graphic design business. A prospective client is coming to my new office for a meeting, and I plan to hire two temps for the day, to give the appearance that my firm is busy. A friend says this is wrong. But since no one will get hurt, how can it be?

Answer: Do we have a great job candidate for you! He’s got one year of experience, but his resume says three because he knows that looks better.

We sympathize with your eagerness to land those critically important first few clients. Unfortunately, though, inflating the body count in your office in order to create a good impression is indeed wrong – wrong because you’re misrepresenting not only the willingness of other companies to hire you, but the size of the staff available to do the work you’re seeking. And this is precisely the sort of information prospective clients are looking for when they make a point of coming by.

You wouldn’t be the first entrepreneur – or job applicant – to rationalize a deception by insisting that no one’s getting hurt. But the people you do business with – or work for, in the case of an employee – should be able to expect more integrity from you than the “no harm, no foul” standard of a basketball referee. We realize that, when you’re confident you’re qualified to do the work, the barriers you face to being hired might seem unfair. But just because an obstacle may appear insurmountable doesn’t entitle you to cheat your way around it.

Questions? Email Money Magazine’s ethicists – authors of “Isn’t It Their Turn to Pick Up the Check?” (Free Press) – at FlemingandSchwarz@right-thing.net.