Check your phone bill to see if you have optional calling features or additional services, such as inside wire maintenance, that you don’t need. Each option you drop could save you $40 or more each year.

If you make very few toll or long distance calls, avoid calling plans with monthly fees or minimums. Or consider disconnecting the service altogether and use dial around services such as 10-10 numbers or prepaid phone cards for your calls. When shopping for dial around service, look for fees, call minimum, and per minute rates. Treat prepaid cards as cash and find out if there is an expiration date.

Dial your long distance calls directly. Using an operator to place the call can cost you up to $10 extra. To save money on information calls, look the number up on the Internet, or in the directory.

If you use a cell phone, make sure your calling plan matches the pattern of calls you typically make. Understand peak calling periods, area coverage, roaming, and termination charges. Contracts offered by most carriers will provide you with a trial period of 14 days or more. Use that time to make sure the service provides coverage in all the places you will be using the phone (home, work etc.). Prepaid wireless plans tend to have higher per minute rates and fees but may be a better option if you use the phone only occasionally.

WHAT’S  IT ALL ABOUT?

We provide various promotion tracking and marketing intelligence services for major national firms. They are interested in a number of things, such as the delivery date and condition of their advertising mail. From time to time, some sample merchandise to check on delivery of customer orders. We also protect their mailing lists against mis-use. In other cases, we track what other companies are doing in the way of advertising in the mail. These are essential services, many of which are also in the public interest.

WHAT’S INVOLVED?

All you have to do is mark the date received on each special piece as it comes in, enter it on our Web site, and save the mailings for a period of time.  We may occasionally ask that you send us specific items.

WHAT DO YOU GET?

Participants are credited for each valid item accurately reported.  Any mailing costs are reimbursed or, we may make use of UPS call tags, etc.

There may be extra potential opportunities. From time to time some participants get to keep test shipments of merchandise, or get free copies of magazines.

Honestly, you won’t get rich as a decoy agent, but many people are delighted to get some extra spending money doing something that’s fun with hardly any effort. (We cannot promise any particular amount as this depends on clients’ needs for your location and a number of other variables.)

WHAT TO DO NEXT?

If you are interested in being considered, please fill out and submit the Agent Application Request Form.

Idapted’s mission is to revolutionize the way people learn spoken language. As an Idapted Trainer, you will be key in helping someone fulfill their dreams!

Subtract a year from your age. That is how much relevant experience you have! Everybody is an expert in their native tongue. We learn it from when we’re young. We learn through practice and environment - our parents, neighbors, friends etc. When learning a foreign language, we don’t get such exposure - as a matter of fact, due to distance there is often no opportunity whatsoever to practice with a native speaker.

Idapted is using proprietary technology and the latest advances in Internet technology to empower native speakers - YOU - to become effective language trainers to students worldwide. That is why we say that “We democratize language learning”.

As an Idapted Trainer and using our platform, you will guide your Student through a series of exercises developed by our experts to best fit the Student’s level of language proficiency. You will get a unique opportunity to train students around the globe as well as learn from them about their cultures and unique experiences!

So if you are ready to join us on this exciting journey in changing the way world speaks, apply online.

Interestin Job Opportunity, yes?

For Checking Account Holders

You can save more than $100 a year in fees by selecting a free checking account or one with no minimum balance requirement. Request a complete list of fees that are charged on these accounts, including ATM and debit card fees.

See if you can get free or lower cost checking through direct deposit or agreeing to ATM only use. Be aware of charges for using an ATM not associated with your financial institution.

For Saving Account Holders

Once you select a type of savings account, use the telephone, newspaper, and Internet to compare rates and fees offered by different financial institutions-including those outside your city. These rates can vary a lot and, over time, can significantly affect interest earnings.

To earn the highest return on savings with little or no risk, consider certificates of deposit (CDs) or U.S. Savings Bonds (Series I or EE).

For Credit Card Users

To avoid late payment fees and possible interest rate increases on your credit cards, make sure you send in your payment a week to ten days before the due date. Late payments on one card can increase fees and interest rates on other cards.

Be aware that credit cards with rebates, cash back, travel awards, or other perks may carry higher rates or fees.

And now for Auto Loans

To save as much as several thousand dollars in finance charges, pay for the car in cash or make a large down payment. Always get the shortest term loan possible as this will lower your interest rate.

Make certain to get a rate quote (or pre-approved loan) from your bank or credit union before seeking dealer financing. You can save as much as $1000 in finance charges by shopping for the cheapest loan.

Make certain to consider the dollar difference between low-rate financing and a lower sale price. Remember that getting zero or low-rate financing from a dealer may prevent you from getting the rebate.

When buying a home, you can often negotiate a lower sale price by employing a buyer broker who works for you, not the seller. If the buyer broker or the broker’s firm also lists properties, there may be a conflict of interest, so ask them to tell you if they are showing you a property that they have listed.

Do not purchase any house until it has been examined by a home inspector that you selected. This is incredibly important.

A Few Apartment Rental Tips

For apartments don’t limit your search to classified ads or referrals from friends. Select buildings where you would like to live and contact their building manager or owner to see if anything is available. Not every available apartment is listed in classifieds. So get out there and get talking.

Remember to look over the lease and read it very carefully. There are several laws to protect tenants’ rights, but if there is something written in a lease and you sign it only to find out that you don’t agree with it, it’s too late, you’ve already signed and you’re obligated.

A Single Home Improvement Tip

Do not sign any contract that requires full payment before satisfactory completion of the work.

A Tip on Buying Appliances

Once you’ve selected a specific brand and model, check the Internet or yellow pages to learn what stores carry the brand. Call at least four of these stores to compare prices and ask if that’s the lowest price they can offer you. This comparison shopping can save you as much as $100 or more.