A business owner in need of a website can be tempted to choose the lowest bidder — such as a foreign programmer or even a relative. The owner thinks he is saving money, but he invariably ends up with a website that does not work for his business, and has to be scrapped and replaced with something that does work. In the end, the owner doesn't save any money, but loses it — and also loses valuable time, which may be worse than the monetary loss.