phone http://www.wisebread.com/taxonomy/term/624/all en-US 7 Apps That Make Budgeting Fun — No Really! http://www.wisebread.com/7-apps-that-make-budgeting-fun-no-really <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-apps-that-make-budgeting-fun-no-really" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_87637919_LARGE.jpg" alt="making budgeting fun with these apps" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Budgeting is not just essential for those who are trying to squeeze two pennies out of one. Tracking expenses and setting spending and savings goals is beneficial for anyone &mdash; no matter the amount of your paycheck.</p> <p>However, tracking every expenditure on paper or through a spreadsheet can be tedious and even cause us to forgo the healthy habit of budgeting a month in. These apps will take the pain and boredom from budgeting, and you might even have fun in the process. (See also: <a href="http://www.wisebread.com/one-simple-thing-you-can-do-to-start-budgeting-today?ref=seealso">One Simple Thing You Can Do to Start Budgeting Today</a>)</p> <h2>1. Pennies</h2> <p>One of the best things about using Pennies for iOS is that it allows a lot of flexibility. Many people do not work with a set salary and do not know their paycheck amount each pay period. Pennies allows users to create budgets that can be set for weekly, monthly, one-off, or payday budgets.</p> <p>Another benefit of this simple-to-use app is that you are presented with daily targets of what to spend and how your next day spending will be affected. Knowing a $5 latte will make your budget tight tomorrow might help you forgo unnecessary splurges.</p> <p>($1.99<a href="https://itunes.apple.com/app/apple-store/id916741290?mt=8"> iOS</a>)</p> <h2>2. Prosper Daily</h2> <p>How about a little competition? Prosper Daily is a free app that allows users to compete with their previous month's budget to see if they can do better in the current month. The app also connects to financial accounts and tracks spending effortlessly. There is no need to document every expenditure.</p> <p>Another benefit of Prosper Daily is that the app can protect users from suspicious account activity or duplicate charges. Since it is free, it is a smart idea to download this app just to use it for the account safeguarding feature alone.</p> <p>Note: Prosper Daily used to be known as &quot;BillGuard.&quot;</p> <p>(Free<a href="https://itunes.apple.com/us/app/billguard-money-tracking-credit/id602710567?mt=8"> iOS</a>,<a href="https://play.google.com/store/apps/details?id=com.billguard.android&amp;hl=en"> Android</a>)</p> <h2>3. CoinKeeper</h2> <p>The envelope system of budgeting is clever, but it can be such a hassle to use. Who wants to carry around different envelopes of cash everywhere with them? CoinKeeper allows users the same benefits of budget envelopes, but all at their fingertips. This is a great financial tool for tactile learners, since users can move coins and designate an amount to each area of their budget.</p> <p>(Classic version $5.99<a href="https://itunes.apple.com/us/app/coinkeeper-classic-personal/id471262606?mt=8"> iOS</a>, Free version<a href="https://itunes.apple.com/us/app/coinkeeper-personal-finance/id849747345?mt=8"> iOS</a>,<a href="https://play.google.com/store/apps/details?id=com.disrapp.coinkeeper.material&amp;hl=en"> Android</a>)</p> <h2>4. Digit</h2> <p>Waiting until the end of the month to deposit leftover money into a savings account is unwise. Usually, there is no money left by the end of the month. Instead, use an app like Digit to sock away a little bit of money throughout the month.</p> <p>The app cleverly connects to a user's checking accounts and looks for opportunities to transfer $5&ndash;$50 every two to three days to that user's savings account. However, you will not have to worry about overdraft fees, since the app never takes more than you can afford. The app also comes with a no-overdraft guarantee, which means the company will cover the fee up to two times per member.</p> <p>See also: <a href="http://www.wisebread.com/11-budgeting-skills-everyone-should-master?ref=seealso">11 Budgeting Skills Everyone Should Master</a></p> <p>(Free<a href="https://digit.co/"> iOS</a>)</p> <h2>5. Toshl</h2> <p>Monsters on a budgeting app? Yes, Toshl uses fun creatures and bright colors on its app interface. Toshl is a favorite app among many because it integrates with phone, tablet, and desktop devices. Toshl is easy to use and offers bill reminders, monthly budget summaries, as well as an easy way to export tracking to Excel.</p> <p>(Free<a href="https://itunes.apple.com/app/toshl-finance/id921590251?mt=8"> iOS</a>,<a href="https://play.google.com/store/apps/details?id=com.thirdframestudios.android.expensoor"> Android</a>)</p> <h2>6. BUDGT</h2> <p>Don't let variable income keep you from keeping track of how much you make and how much you spend. BUDGT works well with variable income and allows you to easily input expenses and track how much money is left. The best part is that the app is simple and easy to use. It might take a few days to get into the habit of inputting your expenses, but once you get used to it, it can be a healthy habit to transform your spending.</p> <p>($1.99<a href="https://itunes.apple.com/us/app/budgt/id580812126?mt=8"> iOS</a>)</p> <h2>7. Mvelopes</h2> <p>Similar to CoinKeeper, Mvelopes is a digital version of envelope-based budgeting. The free version can be downloaded on iOS and Android phones, but to get the full, deluxe version, there will be a one-time $95 cost. It will take a little bit of learning time to get into the method of zero-based budgeting. The idea behind this way of budgeting is that every dollar has a designation. This prevents money from being spent thoughtlessly.</p> <p>If you look at your bank account at the end of the month and see an extra $50, you might mistake it as &quot;free&quot; money and spend it foolishly. With an envelope system, that $50 would have been categorized into savings or even designated towards books or clothing. It is important to give your money a job, or it will be useless to you.</p> <p>The best budgeting app is the one that is used. If you are serious about making budgeting a regular habit, then you need to find the right tool to work for you. Everyone is different, so if the first app you try doesn't fit your needs or tastes, don't worry. Just try something else.</p> <p>(Free <a href="https://itunes.apple.com/us/app/mvelopes-budget-app-envelope/id417933753?mt=8">iOS</a>,<a href="https://play.google.com/store/apps/details?id=com.finicity.mvelopes&amp;hl=en"> Android</a>)</p> <p><em>What is your favorite budget app to use? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/7-apps-that-make-budgeting-fun-no-really">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-apps-for-busy-working-parents">The 5 Best Apps for Busy Working Parents</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-your-smartphone-saves-you-money">8 Ways Your Smartphone Saves You Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-5-apps-will-help-you-finally-organize-your-money">These 5 Apps Will Help You Finally Organize Your Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-i-saved-3190-with-a-50-hdtv-antenna">How I Saved $3,190 With a $50 HDTV Antenna</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-free-debt-management-tools">6 Free Debt Management Tools</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Technology apps managing money money management phone phone apps saving money smartphone Wed, 10 Aug 2016 09:00:10 +0000 Ashley Eneriz 1769235 at http://www.wisebread.com The 5 Best Apps for Busy Working Parents http://www.wisebread.com/the-5-best-apps-for-busy-working-parents <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-apps-for-busy-working-parents" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mother_baby_phone_43606458.jpg" alt="Mom using apps for busy working parents" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Working parents need to maximize their time in order to be most efficient. These apps will help working moms and dads better manage kids' routines, plan family outings, and manage family budgets effectively.</p> <p>See also: <a href="http://www.wisebread.com/10-fun-money-apps-for-kids?ref=seealso">10 Fun Money Apps for Kids</a></p> <h2>1. Happy Kids Timer</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/KidTimer_02.PNG" width="605" height="340" alt="" /></p> <p>Having a hard time keeping kids on schedule, especially in the mornings? <a href="http://www.kidssmartzone.com/">HappyKidsTimer</a> is an app your kids use to help them manage their daily morning routines, like making their beds, getting dressed, brushing their teeth, and so forth. The app features timers and fun incentives to help your kids get on their way.</p> <p>Available for Android and iOS.</p> <p>See also: <a href="http://www.wisebread.com/10-basic-manners-you-must-teach-your-kids?ref=seealso">10 Basic Manners You Must Teach Your Kids</a></p> <h2>2. KidsEatFree</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/KidsEatFree.PNG" width="340" height="605" alt="" /></p> <p>Busy parents often don't have time to cook &mdash; and dining out with the whole family gets expensive, fast. Restaurateurs have responded with a variety of kids eat free promotions. Too many, in fact, for busy parents to track. <a href="https://itunes.apple.com/us/app/kids-eat-free-restaurant-finder/id933114765?mt=8">KidsEatFree</a> is the free app that helps you find free kids' meals nearby, keeping your family on time &mdash; and on budget.</p> <p>Available for iOS.</p> <p>See also: <a href="http://www.wisebread.com/10-frugal-and-delicious-meals-to-make-with-your-kids?ref=seealso">10 Frugal and Delicious Meals to Make With Your Kids</a></p> <h2>3. Mint.com</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Mint_AppStore.jpeg" width="341" height="605" alt="" /></p> <p>Speaking of budgets, busy parents need to manage their family's money while they are managing the kiddoes. <a href="https://www.mint.com/">Mint.com</a> remains the gold standard free app for tracking all your spending, paying bills, setting and tracking budgets, and monitoring overall net worth.</p> <p>Available for Android and iOS.</p> <p>See also: <a href="http://www.wisebread.com/these-5-apps-can-fix-your-finances?ref=seealso">These 5 Apps Can Fix Your Finances</a></p> <h2>4. VarageSale</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/VarageSale_01.PNG" width="340" height="605" alt="" /></p> <p>If you're keen on sticking to your budget, <a href="https://www.varagesale.com/">VarageSale</a> is great for connecting busy parents with others who want to buy or sell used family and children goods. You can make extra cash off your used stroller or crib &mdash; or you can pick up gently used ones for a great price. Look at all the cute outfits!</p> <p>Available for Android and iOS.</p> <p>See also: <a href="http://www.wisebread.com/how-to-sell-your-kids-stuff-at-a-consignment-sale?ref=seealso">How to Sell Your Kids' Stuff at a Consignment Sale</a></p> <h2>5. Trekaroo</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Trekaroo.PNG" width="340" height="605" alt="" /></p> <p>Finally, even the busiest, most goal-directed families need some downtime. <a href="http://www.trekaroo.com/">Trekaroo</a> helps hardworking parents plan and budget family outings &mdash; everything from faraway vacations to local day trips. The app finds kid-friendly activities when and where you need them. Even better, each destination includes reviews from other busy parents who've already been, so you can get the inside scoop way before you get there.</p> <p>Available for Android and iOS.</p> <p><em>What are your go-to apps for managing life with kids?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/janet-alvarez">Janet Alvarez</a> of <a href="http://www.wisebread.com/the-5-best-apps-for-busy-working-parents">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-apps-that-make-budgeting-fun-no-really">7 Apps That Make Budgeting Fun — No Really!</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-your-smartphone-saves-you-money">8 Ways Your Smartphone Saves You Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-apple-watch-apps-thatll-save-you-money">8 Apple Watch Apps That&#039;ll Save You Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-brilliant-tips-from-smart-mom-rich-mom">4 Brilliant Tips From &quot;Smart Mom, Rich Mom&quot;</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-5-apps-will-help-you-finally-organize-your-money">These 5 Apps Will Help You Finally Organize Your Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Technology apps budgeting managing money money management parenting phone phone apps productivity saving money smartphone Tue, 09 Aug 2016 11:00:11 +0000 Janet Alvarez 1768674 at http://www.wisebread.com Is There Any Reason to Pay for a Landline Anymore? http://www.wisebread.com/is-there-any-reason-to-pay-for-a-landline-anymore <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/is-there-any-reason-to-pay-for-a-landline-anymore" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_65884831_MEDIUM.jpg" alt="is a landline still worth it?" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you're doing all that you can to save money and cutting costs every month, then it would usually make sense to cut your landline. When <a href="http://www.cdc.gov/nchs/data/nhis/earlyrelease/wireless201412.pdf">more than 40% of American households</a> have eliminated their landline, it only makes sense, right? While it's often a good idea to cut a landline &mdash; particularly if you're no longer using it &mdash; there are certain instances where it actually makes sense to keep it.</p> <h2>1. Emergency Situations</h2> <p>Did you know that when you dial 911 from a landline, the dispatcher can see your address and phone number right away? According to the National Emergency Number Association, when you call from a cell phone, it can take about 25 seconds for the <a href="http://www.nytimes.com/2014/01/18/your-money/weighing-the-need-for-a-landline-in-a-cellphone-world.html?_r=1">dispatcher to receive information</a> on your location, which will be limited to a general area, not a specific location. In contrast, with a landline, the dispatcher will have immediate access to your exact address, including the apartment number.</p> <p>In an emergency situation, you may not be in the position to provide your address. In some situations, a child may be able to place the call by being taught to dial 911, but they may not know the address. If this is the sole reason that you have a landline, call your service provider and ask if they have an &quot;emergency only&quot; option at a discounted rate.</p> <h2>2. Power Outages</h2> <p>In the event of a natural disaster or power outage, your landline may still work. If you are relying on your cell phone during an emergency situation, network congestion can make cell phone communication nearly impossible.</p> <p>While a landline can be a godsend in an emergency, some phone providers are now running the phone lines through the modem, which would prevent you from having service in the event of a power outage. Some phones also need to be plugged in, and therefore still require electricity.</p> <p>Contact your phone provider to see if they still use the old landline system, which would allow it to work during an emergency. Some phone service providers, such as Verizon, Cox, Comcast, and Time Warner also offer backup batteries for sale, which will offer about eight hours of standby time and four hours of talk time in the event of an electrical outage. These backup batteries typically cost anywhere from $20-$35.</p> <h2>3. If Your Reception Is Spotty</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/iStock_82201917_MEDIUM.jpg" width="605" height="340" alt="" /></p> <p>While most people are fortunate enough to have good cell reception, there are certain areas in the country where reception can be spotty. In these cases, a landline can ensure that you always have flawless call quality (and zero dropped calls). With a landline, you can enjoy undisrupted reception, anytime.</p> <h2>4. Home Security Systems and Fax Machines May Require Them</h2> <p>Some home security systems will require a home phone connection to monitor alarm sensors. If you don't have a landline, the alarm company may charge you to install a special device that works with your cellular connection. If you have a fax machine at home, you may also need a landline for it to work.</p> <h2>5. Making Long Distance Calls</h2> <p>Placing long-distance calls out of the country via cell phone can be unreliable. Making international calls on the landline usually offers a more reliable connection. It's also worth noting that the cost of making international phone calls is typically much higher with mobile phones than it is with landline phones.</p> <h2>6. Everyone Can Use the Landline</h2> <p>If your monthly service package already includes a landline, it only makes sense to have one plugged in. In the event that you have guests or other family members who need to use the phone, they can easily use the landline without costing you any money. You may also not be as willing to let them use your cell phone for whatever calls they need to make.</p> <p>If you have a big family, you can save money by having a landline service and installing a landline in the room of each member of your household. This will save you money compared to a cell phone family plan. Landlines generally charge a flat rate every month, regardless of how much you use the phone. If you tend to talk on the phone a lot, you may exceed your cell phone limits and incur additional charges.</p> <h2>7. Misplacing Your Cell Phone</h2> <p>If you frequently misplace your smartphone around the house, then having a landline can provide you with a central location where you can always find the phone. In an emergency situation, this could be a lifesaver. Searching for your phone in an emergency can feel like an eternity.</p> <p>If your child needs to make an emergency call, it will be easier for them to call from the landline, which is always in the same location. On the other hand, they may not be able to find your wayward cell phone when they need it most.</p> <h2>8. If Your Cell Phone Dies Frequently</h2> <p>We've all been in a situation where our cell phone dies at the most inopportune moment. Consider the very real possibility that your cell phone may not have the power to make an emergency call. With a landline, you never have to worry about your phone running out of juice.</p> <h2>9. It's Safer and More Comfortable</h2> <p>According to The World Health Organization and the Environmental Working Group, frequent cell phone usage can lead to an <a href="http://www.ewg.org/cell-phone-radiation-damages-sperm-studies-find">increased risk of brain tumors</a>, brain cancer, diminished sperm count, sleep disturbances, and even anxiety. Using a cell phone for a prolonged period of time can also lead to earaches, but this hasn't been the case with landline phones. It should also be noted that holding a landline phone between your shoulder and ear during the length of a call will be much more comfortable than trying to hold a cell phone there.</p> <h2>10. It's Fashionable</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5170/iStock_24499136_MEDIUM.jpg" width="605" height="340" alt="" /></p> <p>Some landline phones can double as home decor. There are virtually limitless designs, colors, and styles to choose from, so you can find a new age, technologically advanced option, or you can visit your local vintage store for a phone that will also appear as a work of art.</p> <h2>11. There Are Better Service Bundles</h2> <p>In some cases, you can actually save money by having a landline. For instance, certain Internet, cable, and landline combo plans <a href="http://www.wisebread.com/4-phone-calls-that-will-save-you-big-every-month">will save you money</a>, compared to only buying Internet and cable. Look into &quot;triple play&quot; services, which usually include cable, Internet, and a landline at a low cost.</p> <p>According to Consumer Reports, <a href="http://www.consumerreports.org/cro/news/2014/04/5-reasons-to-keep-a-landline-phone/index.htm">dropping the landline connection</a> from your triple play bundle might only save you about $5 a month. In some cases, it can actually cause the price of your Internet and cable to go up, so you would be wasting money by canceling your landline.</p> <h2>12. You Can Save Money</h2> <p>Some landlines can cost as much as $50 per month, but you should be able to find ways to keep your bill to $20 or under with a standard home phone service. Depending on which service provider you use, you may already be grandfathered into an affordable service plan. Compared to the overwhelming costs of a smartphone plan, you can actually save money by making your calls through a landline.</p> <p>Before cutting your landline, make sure you have considered all the pros and cons, and know exactly how much you will save every month by eliminating it. Instead of cutting it altogether, contact your service provider to inquire about how you can save on the monthly costs, and what the cheapest plan is.</p> <p><em>Did you cut your landline? How is it working out for you? Please share your thoughts in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/is-there-any-reason-to-pay-for-a-landline-anymore">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-apps-that-make-budgeting-fun-no-really">7 Apps That Make Budgeting Fun — No Really!</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-apps-for-busy-working-parents">The 5 Best Apps for Busy Working Parents</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-smartphone-apps-to-help-you-save-big">6 Smartphone Apps to Help you Save Big</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-brilliant-tips-from-smart-mom-rich-mom">4 Brilliant Tips From &quot;Smart Mom, Rich Mom&quot;</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-surprising-ways-summer-will-cost-you">7 Surprising Ways Summer Will Cost You</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Technology landline landline phone monthly bills phone phone bills phone call phone line saving money Thu, 14 Jul 2016 10:00:12 +0000 Andrea Cannon 1751464 at http://www.wisebread.com Best Money Tips: Find the Best Prepaid Plan http://www.wisebread.com/best-money-tips-find-the-best-prepaid-plan <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-find-the-best-prepaid-plan" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/phone-5084027-small.jpg" alt="phone" title="phone" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some fantastic articles on finding the best prepaid plan, common missed fees you need to avoid, and dealing with difficult work personalities.</p> <h2>Top 5 Articles</h2> <p><a href="http://lifehacker.com/how-to-find-the-best-prepaid-plan-and-ditch-your-contra-485042945">How To Find the Best Prepaid Plan and Ditch Your Current Contract for Good</a> &mdash; You might want to go contract-free if you have an unlocked phone. [Lifehacker]</p> <p><a href="http://www.threethriftyguys.com/2013/04/7-common-missed-fees-that-you-need-to-avoid/">7 Common Missed Fees That You Need to Avoid</a> &mdash; Avoid the fees associated with having a DVR by looking into buying your own DVR option separate from your cable company. [Three Thrifty Guys]</p> <p><a href="http://www.savvysugar.com/How-Deal-Difficult-Co-Workers-30103939">How to Deal With These 6 Difficult Work Personalities</a> &mdash; To deal with a micromanager at work, keep him or her in the loop on what you are doing. [PopSugar Smart Living]</p> <p><a href="http://timemanagementninja.com/2013/05/10-counterintuitive-things-to-add-to-your-day-to-get-more-done/">10 Counterintuitive Things to Add to Your Day to Get More Done</a> &mdash; Spending time on your hobby or helping others can help you get more done. [Time Management Ninja]</p> <p><a href="http://www.girlsjustwannahavefunds.com/prevent-identity-theft/">Identity Theft: Ain't Nobody Got Time For That</a> &mdash; Protect yourself from identity theft by guarding your credit history. [Girls Just Wanna Have Funds]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.consumerismcommentary.com/can-tipping-really-change-a-waiters-behavior/">Can Tipping Change a Waiter's Behavior?</a> &mdash; Unless you plan on making a statement with a big tip, it may be best to speak to your waiter directly if you have feedback. [Consumerism Commentary]</p> <p><a href="http://www.narrowbridge.net/how-to-have-an-unforgettable-summer-vacation-and-not-bust-your-budget/">How to Have an Unforgettable Summer Vacation and not Bust Your Budget</a> &mdash;To have an unforgettable summer vacation, watch your budget but only to a point. [Narrow Bridge Finance]</p> <p><a href="http://notmadeofmoney.com/blog/2013/04/budget-friendly-graduation-gift-ideas-2.html">Budget Friendly Graduation Gift Ideas</a> &mdash; Consider giving the recent graduate in your life a household toolbox. [Not Made Of Money]</p> <p><a href="http://www.marcandangel.com/2013/04/28/8-ways-youre-driving-yourself-crazy/">8 Ways You're Driving Yourself Crazy</a> &mdash; If you are competing with everyone else and focusing on what you don't like, you could be driving yourself crazy. [Marc and Angel Hack Life]</p> <p><a href="http://parentingsquad.com/the-savvy-parent-s-strategy-for-dealing-with-temper-tantrums">The Savvy Parent's Strategy for Dealing With Temper Tantrums</a> &mdash; When dealing with temper tantrums, remove the irritants and remember to breathe. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-find-the-best-prepaid-plan">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/hand-me-down-cell-phones">Hand-me-down Cell Phones</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-billion-tax-refund-for-long-distance-phone">$10 billion tax refund for long distance phone</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-reasons-i-still-dont-have-a-cellphone-plan-yet">6 Reasons I Still Don&#039;t Have a Cell Phone Plan (yet)</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-there-any-reason-to-pay-for-a-landline-anymore">Is There Any Reason to Pay for a Landline Anymore?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/opt-out-of-the-wasteful-26-billion-phone-directory-industry">Opt-out of the wasteful $26 billion phone directory industry</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living best money tips cell phone phone prepaid Thu, 02 May 2013 10:00:33 +0000 Ashley Jacobs 973836 at http://www.wisebread.com Best Money Tips: 4 Phone Calls That Could Save You Money http://www.wisebread.com/best-money-tips-4-phone-calls-that-could-save-you-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-4-phone-calls-that-could-save-you-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/511102874_214a77c659_z-1.jpg" alt="4 Phone Calls that Could Save You Money" title="4 Phone Calls that Could Save You Money" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some fantastic articles on phone calls that could save you money, things you should do this month, and getting rid of your overstuffed wallet.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.threethriftyguys.com/2012/08/4-phone-calls-that-could-save-you-money-today/">4 Phone Calls That Could Save You Money Today</a> &mdash; Calling your county office to appeal your property taxes could save you money! [Three Thrifty Guys]</p> <p><a href="http://www.savvysugar.com/Things-Do-August-9720551">5 Things You Should Do This Month</a> &mdash; This August, spend some money on an improvement item. [SavvySugar]</p> <p><a href="http://timemanagementninja.com/2012/07/get-rid-of-your-overstuffed-wallet-once-and-for-all/">Get Rid Of Your Overstuffed Wallet Once and For All</a> &mdash; To clean out your overstuffed wallet, carry fewer credit cards and toss your old receipts. [Time Management Ninja]</p> <p><a href="http://www.gobankingrates.com/savings-account/the-5-best-dollar-menus-for-saving-big-at-the-drive-thru/">The 5 Best Dollar Menus For Saving Big at the Drive-Thru</a> &mdash; McDonalds and Taco Bell have two of the best dollar menus to help you save at the drive-thru. [GoBankingRates.com]</p> <p><a href="http://www.20sfinances.com/2012/08/01/five-more-ways-to-make-extra-money/">Five More Ways to Make Extra Money</a> &mdash; Want to make extra money? Try selling your photos. [20's Finance]</p> <h2>Other Essential Reading</h2> <p><a href="http://moneyning.com/budget-travel/where-and-when-to-look-for-vacation-rentals/">Where and When to Look for Vacation Rentals</a> &mdash; It is advisable to start looking for vacation rentals months before you plan to travel. [MoneyNing]</p> <p><a href="http://www.getrichslowly.org/blog/2012/07/30/saving-for-a-big-purchase/">Saving for a Big Purchase</a> &mdash; When saving up to make a big purchase, you must practice the art of conscious spending. [Get Rich Slowly]</p> <p><a href="http://moneyqanda.com/when-does-your-frugality-become-unethical/">When Does Your Frugality Become Unethical?</a> &mdash; Frugality may become unethical if you take toilet paper home from a restroom or you take office supplies from your place of emplotment. [Money Q&amp;A]</p> <p><a href="http://www.moolanomy.com/6178/automate-your-saving-and-retirement-kmulligan/">Automate Your Investments and Savings</a> &mdash; To set up and automate your 401(k) plan, first contact your HR department. [Moolanomy]</p> <p><a href="http://www.marcandangel.com/2012/08/01/10-things-to-do-even-if-they-judge-you/">10 Things to Do Even if They Judge You</a> &mdash; Don't worry about being judged if you follow your own unique path. [Marc and Angel Hack Life]</p> <h2>News &amp; Events</h2> <p><a href="http://www.wisebread.com/top-100-most-popular-personal-finance-blogs/news/2012/08/brad-and-alana-chaffees-8-year-wedding-anniversary">Brad and Alana Chaffee's 8 Year Wedding Anniversary</a> &mdash; August 7th 2012 marks Brad and Alana Chaffee's 8 year wedding anniversary! Congrats you two!</p> <p><a href="http://www.wisebread.com/top-100-most-popular-personal-finance-blogs/news/2012/08/the-plutus-awards-voting">The Plutus Awards Voting</a> &mdash; Be sure to vote in the 3rd annual Plutus Awards! Voting closes on August 14th.</p> <p>Be sure to check out our <a href="http://www.wisebread.com/top-100-most-popular-personal-finance-blogs/news">News &amp; Events Calendar</a> to see all the awesome upcoming events in the personal finance world!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-4-phone-calls-that-could-save-you-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/opt-out-of-the-wasteful-26-billion-phone-directory-industry">Opt-out of the wasteful $26 billion phone directory industry</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-there-any-reason-to-pay-for-a-landline-anymore">Is There Any Reason to Pay for a Landline Anymore?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/five-calls-you-can-make-now-to-save-hundreds-to-thousands-of-dollars">Five calls you can make now to save hundreds to thousands of dollars</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/improve-your-giving-with-5-smart-charity-tricks">Improve Your Giving With 5 Smart Charity Tricks</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-keep-anxiety-from-ruining-your-budget">5 Ways to Keep Anxiety From Ruining Your Budget</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living best money tips calls companies phone Tue, 07 Aug 2012 09:48:41 +0000 Ashley Jacobs 947337 at http://www.wisebread.com Opt-out of the wasteful $26 billion phone directory industry http://www.wisebread.com/opt-out-of-the-wasteful-26-billion-phone-directory-industry <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/opt-out-of-the-wasteful-26-billion-phone-directory-industry" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/2200696844_3e434151f7.jpg" alt="yellow pages in the dumpster" title="yellow pages in the dumpster" class="imagecache imagecache-250w" width="250" height="188" /></a> </div> </div> </div> <p>In this day and age of the internet, free Google 411 and a host of other paperless directory services, what use do the big, fat phone directories serve? I don’t know about you, but when I get those large plastic bags filled with 3lb phone books, I usually put them straight in the recycling bin. We never use them. Now a website similar to the National No-Call registry is asking you to sign up and stop receiving these archaic books. </p> <p>The facts speak loud and clear; the massive amount of money and resources the phone directory industry sucks up is phenomenal. This, from <a href="http://www.yellowpagesgoesgreen.org/">YellowPagesGoesGreen.org</a> : <ul> <li>540 million directories are printed annually in the United States.</li> <li>The average weight of each directory is 3.62 lbs.</li> <li>1.79 directories are printed for every man, woman and child in the US. </li> <li>The phone directory industry is worth over $13 billion in the US (that figure doubles to $26 billion worldwide).</li> <li>It takes 24 trees to make 1 ton of paper.</li> <li>It takes over 19 million trees to make half a trillion directories.</li> <li>It takes 380 gallons of oil to produce that ton of paper (over 7.2 billion barrels per 500,000,000 books).</li> <li>3 cubic yards of waste are taken up by one ton of paper (that equates to 1.6 billion lbs per 500,000,000 books).</li> <li>Over 270,000 cubic yards of landfill are taken up per 500,000,000 </li> <li>7,000 gallons of water go into the production of one ton of paper.</li> <li>4,000 kilowatts of energy are also needed to make that ton of paper (3.2 billion KW hours/500,000,000 books).</li> </ul> <p>As a frugal shopper, I deplore waste (the main image at the top of this article came from someone who spotted DOZENS of yellow pages in their apartment building&#39;s dumpster). And the idea that these millions and millions of directories are being printed so that at least 90% of us can just put them into the recycling bin, well, that just burns me up. So much money, so many resources, all for nothing.</p> <p>Decades ago, there was a need for phone directories. But that industry needs to face one hard fact; it is going the way of the dinosaur. And continually producing these books is merely prolonging the inevitable, but wasting precious time and money in the process. However, if we all do something about it, maybe we can speed that process up.</p> <p>Simply <a href="http://www.yellowpagesgoesgreen.org/stop-yellow-pages/">click on this link</a> and you’ll be directed to the opt-out page at YellowPagesGoesGreen.org, where you can opt out of both the yellow and white pages. The website’s mission statement is both clear and admirable:</p> <blockquote><p><em>Yellowpagesgoesgreen.org is an organization working to educate consumers and promote the green movement to eliminate the unsolicited delivery of Yellow and White Pages books. This site is aimed at starting a national movement to solicit the White/Yellow Pages industry to proactively stop the delivery of books or to begin moving legislation to mandate the stoppage of this activity. This movement should be similar to the National No-Call Registry that have stopped and/or decreased the number of unwanted solicitations telephone calls to consumers.</em></p> </blockquote> <blockquote><p><em>A college student who was renting a house in Liberty, Missouri founded Yellowpagesgoesgreen.org. The number of telephone books delivered to the house was overwhelming and the work required to recycle them was daunting. When he spoke with his neighbors they all told him they just threw them away. Due to the use of technology, he felt these books were now outdated. However, he understood that some people may still want them and felt the best way to limit this tremendous waste was to mimic the National No-Call Directory. Additionally, he wanted this site to serve as a depository for information and educational issues concerning the green movement.</em></p></blockquote> <p>I put my name down this morning; and unless you have a real need for these books, like in the video below from <a href="http://www.collegehumor.com/video:1752127">collegehumor.com</a> , or maybe propping up a young child at the table, so that they can reach their chicken soup, I urge you to do the same. It&#39;s time to put the phone directories out of their misery.</p> <p><em>Note: There&#39;s a tiny bit of &quot;colorful&quot; language in the vid...turn down the volume if you&#39;re at work or around young ones.</em></p> <object classid="clsid:D27CDB6E-AE6D-11cf-96B8-444553540000" codebase="http://download.macromedia.com/pub/shockwave/cabs/flash/swflash.cab#version=6,0,29,0" width="425" height="344"><param name="movie" value="http://www.youtube.com/v/3U9YAwuN5lA&amp;hl=en&amp;fs=1" /><param name="quality" value="high" /><param name="menu" value="false" /><param name="wmode" value="" /><embed src="http://www.youtube.com/v/3U9YAwuN5lA&amp;hl=en&amp;fs=1" wmode="" quality="high" menu="false" pluginspage="http://www.macromedia.com/go/getflashplayer" type="application/x-shockwave-flash" width="425" height="344"></embed></object></p> <p><em>Thanks to <a href="http://thedenveregotist.com/article/2494/enough-with-the-yellow-pages-already">The Denver Egotist</a> (via <a href="http://lifehacker.com/400663/yellowpagesgoesgreen-like-do-not-call-list-for-giant-wastes-of-paper">LifeHacker)</a> for bringing this subject to my attention.</em> </p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/opt-out-of-the-wasteful-26-billion-phone-directory-industry">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/can-you-spare-a-square-5-quick-tips-on-toilet-paper-usage">&quot;Can you spare a square?&quot; 5 quick tips on toilet paper usage.</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-coffee-cup-revolution-lets-take-a-stand">The Coffee Cup Revolution: Let&#039;s Take a Stand!</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-stuff-i-try-never-to-buy-new">The stuff I try never to buy new</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/use-only-what-you-need">Use only what you need</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/new-ideas-for-the-chopstick">New Ideas for the Chopstick</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Consumer Affairs Green Living 411 directory energy oil phone telephone waste yellow pages Thu, 21 Aug 2008 20:00:32 +0000 Paul Michael 2353 at http://www.wisebread.com Unsolicited Phone Calls: How You Could Unwittingly Change the World http://www.wisebread.com/unsolicited-phone-calls-how-you-could-unwittingly-change-the-world <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/unsolicited-phone-calls-how-you-could-unwittingly-change-the-world" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/earth.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="188" /></a> </div> </div> </div> <p class="MsoNormal">Amidst a crying baby, a noisy dryer, and the steam from my tea kettle, I barely made out the sound of my ringing cordless phone.<span> </span>The caller ID flashed “unknown caller – unknown number.” <span> </span>I should have let it be. </p> <p class="MsoNormal">Knowing that I sometimes get important cell phone calls from friends and relatives that don’t show up properly on my caller ID, I answered it anyway.<span> </span>A fast-talking older woman with a twangy accent sped through a script of about 250 words in less than a minute.<span> </span>I vaguely caught the words “energy crisis,” “Lieberman,” and “state’s rights” amongst the chatter.<span> </span>At the end of her breathy spiel, she stopped and asked me, “Would you like us to add your name to the letter going out to your Senator?” </p> <p class="MsoNormal">Huh? </p> <p class="MsoNormal">Flabbergasted, I wondered how on Earth anybody could agree to such a strange method of political action.<span> </span>I have always considered myself a fairly informed citizen.<span> </span>I read my regular updates from my state and local representatives, drafting personal letters or emails once or twice a year, when it seems appropriate and necessary.<span> </span>I enjoy the “town hall” transcripts from my legislature, and I take time to talk with my 9-year-old daughter about the complexities of our <a href="http://www.unicam.state.ne.us/web/public/history">unique Nebraskan unicameral</a> system. </p> <p class="MsoNormal">This really did take the cake, however.<span> </span>I replied cheerfully that, “I appreciate your offer, but I already use the opportunity to communicate directly with my government representatives with my own letters and phone calls.<span> </span>Thanks, anyway.”<span> </span>She didn’t have an answer, but wished me a happy holiday weekend and suggested that I enjoy the weather. </p> <p class="MsoNormal">I still don’t have a clue what the phone call was about.<span> </span>Whoever spearheaded the phone campaign had one tactic on their mind – to blast through a telemarketing script with the recklessness of a runaway semi-trailer in the hopes that loaded language and fear mongering would get me to agree on any term. </p> <p>I don’t work that way.<span> </span>Neither should you.<span> </span>And since phone calls from “non-profits” and PAC’s don’t fall under traditional <a href="https://www.donotcall.gov/">Do Not Call</a> registry guidelines, I suggest a few options for keeping yourself off of aimless “world-changing” petitions and form letters:</p> <ul> <li>Let the caller ramble.<span> </span>It’s a perfect opportunity to grab that last load of laundry out of the dryer and snag a pen and paper.</li> </ul> <ul> <li>When they are finished with their passionate plea for change, ask them some basic questions, specifically:</li> </ul> <ol> <li>What organization they represent</li> <li>What legislative bill or action they are addressing</li> <li>Their formal stance on said bill or action</li> <li>Where you can find out more information (bill status, drafters, lobbyists, etc.) on the issues </li> </ol> <ul> <li>Politely end the call and spend a day or two doing your OWN research on the topic;<span> </span>If it prompts you to take action, find a group that closely represents your opinions on the matter, and align yourself with them, or simply contact your representative via the government website (email) or phone them. </li> </ul> <p>By taking the matters into your own hands, you are guaranteeing two things: </p> <ol> <li>Your views will not be misrepresented.</li> <li><span><span> </span></span>You will usually get a personal (albeit form-letter) response mailed directly to you regarding the issue at hand.<span> </span>You will have the satisfaction of knowing where things stand, and you can follow up accordingly. </li> </ol> <p class="MsoNormal">And while I’ve since figured out that the lady was probably referring to <a href="http://www.eia.doe.gov/oiaf/servicerpt/s2191/index.html">the Lieberman-Warner Climate Security Act of 2007</a>, I’m not sure if the letter she called about was “for” or “against” the cause.<span> </span>In matters of finance, politics, and anything else of the utmost importance, it is usually best to be prudent and very, very involved.<span> </span></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/linsey-knerl">Linsey Knerl</a> of <a href="http://www.wisebread.com/unsolicited-phone-calls-how-you-could-unwittingly-change-the-world">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/giving-to-charity-is-great-but-how-do-you-pick-one">Giving to Charity is Great. But How Do You Pick One?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-simple-ways-to-protect-yourself-from-medical-records-theft">7 Simple Ways to Protect Yourself From Medical Records Theft</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-federal-minimum-wage-increases-this-week-are-you-getting-a-pay-raise">The Federal Minimum Wage Increases This Week - Are You Getting a Pay Raise?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/video-on-how-to-spot-counterfeits">Video on How to Spot Counterfeits</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/will-a-dental-discount-plan-save-you-money">Will A Dental Discount Plan Save You Money?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Consumer Affairs do not call non-profit phone telemarketing Sat, 24 May 2008 23:21:14 +0000 Linsey Knerl 2124 at http://www.wisebread.com $10 billion tax refund for long distance phone http://www.wisebread.com/10-billion-tax-refund-for-long-distance-phone <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-billion-tax-refund-for-long-distance-phone" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000039578366_Double.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><strong>Note: This tax refund was available for long distance service paid for between 2003-2006.</strong></p> <p>If you paid for long distance phone service in the last three years, you are eligible for a refund of the U.S. federal taxes paid on that service. The government estimates that up to $10 billion will be <a href="http://www.irs.gov/newsroom/article/0,,id=161506,00.html">refunded to consumers</a>.&nbsp;</p> <p>Recent court decisions have declared that the taxes should not have applied to long distance service as it is billed today. Refunds are offered for taxes paid on long distance service between February 28, 2003 and August 1, 2006.</p> <p>The refund is only for long distance service, but if your phone bill bundles local and long distance (and/or other services), you are eligible. This refund is available for landline, wireless/cellular, and even VoIP/Internet calling plans!</p> <p>To make the refund calculation easier, the IRS has created a tiered standard payout system based on historical data:</p> <ul> <li>One exemption &mdash; $30</li> <li>Two exemptions &mdash; $40</li> <li>Three exemptions &mdash; $50</li> <li>Four exemptions or more &mdash; $60</li> </ul> <p>To claim the standard refund, you fill out one additional line on your Form 1040, 1040A, 1040NR or 1040EZ. If you don't need to file a return, you can still claim just the standard refund using the 1040EZ-T form.</p> <p>However, if you want to determine <em>exactly</em> what you are owed and get paid interest on those monies, fill out and attach Form 8913 to your tax return. (And you better have those old phone bills to back up your claim.)</p> <p>The IRS recommends using the standard refund amount rather than gathering all those old phone bills:</p> <blockquote><p>The standard amount is based on actual telephone usage data, and the amount applicable to a family or other household reflects taxes paid on long-distance or bundled service by similarly sized families or households. Using this amount may be the easiest way for taxpayers to get their refund and avoid gathering 41 months of old phone records.</p> </blockquote> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/greg-go">Greg Go</a> of <a href="http://www.wisebread.com/10-billion-tax-refund-for-long-distance-phone">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ring-ring-ka-ching-lying-about-your-telephone-tax">Ring. Ring. Ka-ching! Lying About Your Telephone Tax</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-amazing-outrageous-and-just-plain-weird-tax-deductions">20 amazing, outrageous and just plain weird tax deductions</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/cant-afford-to-pay-the-irs">Can&#039;t Afford to Pay the IRS?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/taxes-on-irregular-income">Taxes on irregular income</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-are-your-chances-of-getting-audited-by-the-irs-your-guess-is-probably-wrong">What are your chances of getting audited by the IRS? Your guess is probably wrong</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Taxes cell phone IRS long distance phone refund taxes telephone VoIP Fri, 26 Jan 2007 03:18:04 +0000 Greg Go 221 at http://www.wisebread.com