phone http://www.wisebread.com/taxonomy/term/624/all en-US 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://www.wisebread.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> <a href="http://www.wisebread.com/best-money-tips-find-the-best-prepaid-plan" class="sharethis-link" title="Best Money Tips: Find the Best Prepaid Plan" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> 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://www.wisebread.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> <a href="http://www.wisebread.com/best-money-tips-4-phone-calls-that-could-save-you-money" class="sharethis-link" title="Best Money Tips: 4 Phone Calls That Could Save You Money" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> 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://www.wisebread.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> <a href="http://www.wisebread.com/opt-out-of-the-wasteful-26-billion-phone-directory-industry" class="sharethis-link" title="Opt-out of the wasteful $26 billion phone directory industry" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> 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://www.wisebread.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> <a href="http://www.wisebread.com/unsolicited-phone-calls-how-you-could-unwittingly-change-the-world" class="sharethis-link" title="Unsolicited Phone Calls: How You Could Unwittingly Change the World" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/linsey-knerl">Linsey Knerl</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> 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://www.wisebread.com/files/fruganomics/imagecache/250w/blog-images/tax-calculator.jpg" alt="" title="" class="imagecache imagecache-250w" width="240" height="176" /></a> </div> </div> </div> <p>If you paid for long distance phone service in the last 3 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 refunded to consumers. (Details based on <a href="http://www.irs.gov/newsroom/article/0,,id=161506,00.html">this IRS document</a>.) </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 <strong>available for landline, wireless/cellular, and even VoIP/Internet calling plans</strong>!</p> <p>To make the refund calculation easier, the IRS has created a tiered standard payout system based on historical data:</p> <ul> <li>1 exemption - $30</li> <li>2 exemptions - $40</li> <li>3 exemptions - $50</li> <li>4 exemptions or more - $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&#39;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 <strong>Form 8913</strong> 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> <p>More information and details are available at the <a href="http://www.irs.gov/newsroom/article/0,,id=161506,00.html">IRS website</a>.</p> <a href="http://www.wisebread.com/10-billion-tax-refund-for-long-distance-phone" class="sharethis-link" title="$10 billion tax refund for long distance phone" rel="nofollow">ShareThis</a><br /><div id="custom_wisebread_footer"><div id="rss_tagline">Written by <a href="http://www.wisebread.com/greg-go">Greg Go</a> and published on <a href="http://www.wisebread.com/">Wise Bread</a>. Read more <a href="http://www.wisebread.com/taxonomy/term/"> articles from Wise Bread</a>.</div></div> 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