Saying no is difficult, especially when asked to do something by a friend, co-worker or family member. We find ourselves saying yes because we don’t to disappoint them and sometimes because we feel trapped. We feel bad when others are pitching in their time, money or talents and we say no. So how do you say no nicely without the guilt? Our etiquette expert Nancy Schnoebelen Imbs is here with us live on KTRS 550 AM to offer effective, polite ways to say no.