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Phone Companies’ $100 Billion Rip-off — Where Is That Hidden $6 a Month Going in Our Phone Bills?

Saturday, December 11th, 2010

Phone Companies' $100 Billion Rip-off -- Where Is That Hidden $6 a Month Going in Our Phone Bills?

The phone companies are soaking all of us for a good chunk of money every month, and they’re allowed to conceal it in the fine print of your monthly bill.

Next time you open your phone bill, check out the numerous anonymous charges listed on it. In particular, note the one identified as the “FCC Line Charge” or the “Federal Subscriber Line Charge” (SLC). Ask yourself two questions: What is it for and why am I paying it?

If you look at your bill, you’ll likely have a hard time finding the SLC. Each state’s phone billing method is different and the SLC is often hidden in what is labeled the “taxes and surcharges” section or the “monthly service” section — or completely missing but added to the bill.   

Read more at: AlterNet

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{Photography by Alsakr}

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Google Tackles Mortgage Market With New Comparison Ads

Thursday, October 29th, 2009

Google Tackles Mortgage Market With New Comparison Ads

Google has just debuted a new form of advertising called AdWords Comparison Ads — a special kind of ad that will prompt users to view a list of sponsored products in a structured format. To get started, Google is running the ads for queries related to the mortgage market, though it has plans to eventually expand beyond that. The ads are in a limited rollout for now, with only some users in some states seeing them.

Here’s how Google describes the new ad type:

AdWords uses a host of targeting and relevancy signals to determine the best ads for each query. However, sometimes a user’s query doesn’t provide enough information for us to confidently predict what they want. Take, for example, users who search for “mortgage.” Do they want a new home loan or a refinance? Do they want a fixed rate or an adjustable rate loan? Comparison Ads improves the ad experience on Google.com by letting users specify exactly what they are looking for and helping them quickly compare relevant offers side by side.

Users searching for “mortgage” on Google.com may see a promotion from Comparison Ads prompting them to select the type of loan they are looking for and to compare various rates.

If they click the promotion, users are taken to a page with more detailed sponsored results. They can choose directly from the offers listed on that page, or they can further refine their search by providing additional information like income and home value…

Once users find an offer that matches their specific needs, they can either call you directly or request a quote. If a user requests a quote, Google automatically anonymizes the user’s phone number and sends you a unique code that you can use to contact the user. You only pay if a user calls the phone number on your offer or fills out a form to request a quote.

Read more at: TechCrunch

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{Photography by Austin Evan}

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Using A CARS Rebate? Know Your Rights First

Saturday, August 15th, 2009

CASH FOR CLUNKERS

Jim decided to take advantage of the Cash For Clunkers program and trade his Crown Victoria in on something a little more fuel-efficient. Unfortunately, the dealership where he bought the car wasn’t quite ready to handle one of the most frightening of all creatures: an informed consumer. They counted on their customers to not fully understand all of the program’s rules.

Read more at: The Consumerist

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{Photography by Threaded Thoughts}

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Best Coupons Sites for Online Shopping

Sunday, August 9th, 2009

coupons.jpg

So you’ve got to have the latest and greatest gadget, or item for your significant one’s birthday, or you’re treating yourself.

This is the strategy that we suggest in order to find the best bargain around:

  1. Decide WHAT you want, brand, model # etc. . .
  2. Find the 3 BEST prices around, make sure to include:
  3. Look for online coupons. The BEST sites that we reccommend are (look in each and every site):
  4. Calculate your final cost including price, S&H, sales taxes, and your new found coupon.

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{Photography by Matt McGee}

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The Best Online Tools for Personal Finance

Thursday, July 9th, 2009

Online Budgeting Sites

Consumers are paying closer attention to what they buy, how much they save, and where they invest. These resources can be a huge help. Even better, most of them are free.

It’s tougher than ever to plan your finances. But it’s also easier than ever to find help on the cheap.

There are a host of Web sites that help you lay out a budget and track your spending and investments. Some let you set up a plan for a long-term goal, like college or retirement, and others offer advice about where to put your money. And many of these services are free of charge.

To help you wade through all the choices, we scoured the Web to find some of the best online tools and got recommendations from personal-finance pros. Here’s a look at some of the best sites we turned up, in a range of categories. (Read more at: Wall Street Journal)

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{Photography by Binder Donedat}

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5 Ways Twitter Can Save You Money

Thursday, June 18th, 2009

5 Ways Twitter can Save you Money

Twitter is much more than just a platform for idle chatter. Many people are getting real utility out of the service, using it for things like being more productive, finding a job, getting customer service, and it can even help you save money. That’s great news at a time when the economy still hasn’t fully recovered and layoffs continue to pile up. Everyone could do with a little extra money in their pocket and anyone — regardless of how many followers they have — can put Twitter to work to cut costs, be more frugal, and save money.

Here are five ways that you can use Twitter to keep cash in your piggy bank. If you know of any others that don’t require spamming your followers or wiring $1,000 to the Central Bank of Nigeria . . .   (Read more at: )

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{Photography by Alan Cleaver}

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How to Buy Things for Free

Saturday, June 6th, 2009

Free

Mom of Five Shares Secret Tricks

Everyone loves a good freebie, but do you ever get frustrated that what’s offered isn’t really what you want? Wouldn’t you love to just go into a store, buy exactly what you need, and somehow have it work out to be free? This is not a pipe dream, but the gold standard of couponing, and we got WalletPop contributor Tara Kuczykowski, otherwise known on the web as Dealseekingmom.com or @DealSeekingMom on Twitter to tell us her secret tricks of the trade. (Read more at: Wallet Pop)

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{Photography by Daquella Manera}

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25 Simple Tricks to painlessly cut $100 /mo from Your Spending

Thursday, June 4th, 2009

cutting

Everyone has expenses that seem small at first, but can quickly add up at the end of the month. By cutting down on non-essentials, reviewing and eliminating unnecessary expenses, and following the 25 tips below, you will be saving $100 a month or more in no time. (Read more at: Online University Lowdown)

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{Photography by Gregg O’Connell}

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Americans are saving more money

Wednesday, June 3rd, 2009

Piggy Bank

All it took was a financial crisis followed by a recession to get Americans to start pocketing their cash. Americans are saving more money now than at any time since February 1995, The Wall Street Journal reports.

According to the Commerce Department, personal saving rose to 5.7% of after-tax income in April. That’s up from 4.5% in March. A year ago, the savings rate was a big fat zero. President Obama’s stimulus package helped, as it started adding a few more dollars in most Americans’ weekly paychecks.

This switch to saving would make your mother proud. But is increased saving actually a good thing? More spending is what will help jump-start the economy, and all this saving — while good for personal bank accounts — could be getting in the way of a recovery.

Obama has been encouraging Americans to live within their means. So how does he square that with economic growth that might be sacrificed in the process?

Treasury Secretary Tim Geithner says the U.S. economy needs to start looking elsewhere for support. We’re too reliant on consumer spending to get the economy going. (Read more at: MSN Money)

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{Photography by Megapixel Eyes}

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