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5 More Savings

1.Some Stores will refund  the difference of an item drops in price soon after you purchase it. Get the Earny app or paribus app to find and claim refunds.

2. Free credit reports: – Visit Annualcreditreport.com once a year to request your score from each of the three credit reporting companies, Equifax, TransUnion and Experian

3. Reimbursed ATM fees: – Most online banks and some traditional bans will reimburse you for the fees incurred when you use another banks ATM. That can save you up to $4.68 (this is for the usA not so sure about Australian banks. Will give it a try though)

4. Mortgage magic: – A 30 year $300,000 Mortgage at 4 percent costs $1,432 a month. If you pay $716 every two weeks you can cut interest payments by $34,000 over the life of the loan

 

5. Get free books:- You can download nearly 60,000 public domain e-books, including many classics and favorites at gutenberg.org. Save $3 – $10 per e-book

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Tips To That Trim Body – Plus Free Report

 

 

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I don’t normally do this but I am sticking my head out and promoting a body trimming program that I have found works. Most of us are trying to start the New Year with better habits and this program helps with that with ease and is actually enjoyable and you can feel those few pounds coming off with no problem.

 

What I like about this program is that I am basically just rearranging my food intake so that I am eating at a time when the body uses it the best. 

This is why I am promoting this as it is working for me. Would not promote anything that I have not tried myself.

I am not denying myself my glass of wine or two at night and I am not denying myself the food I like.

I personally am not out to lose 20lbs, I will be happy with 10lbs. The reason being I am no spring chicken so being too skinny at my age is, in my opinion not attractive. Basically I am pretty healthy but am more comfortable if I was one size smaller.

You can download this” FREE REPORT” to get some idea of what I am talking about.

Within minutes you will discover the secret of how to lose 20 pounds in 30 days. Yes, it is possible to lose a pound a day and get a trim body in a healthy manner.

MARIKO_BEFORE_AND_AFTER_EMAIL

I cannot recommend this particular health and weight loss system enough.

Feel free to ask me any questions about this trim body program and will try to answer them but if I cannot I will endeavor to find out for you. 

There is a really good back up group with this program so if you do subscribe to it there is someone ready to answer you and of course give you encouragement.

Get your   ‘FREE REPORT’ by clicking here or on any of the pictures

This particular woman lost 38lbs in 3 weeks

This particular woman lost 38lbs in 3 weeks

 

 

Remember “If you don’t do different nothing will change”

 

 

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Flashlight apps on mobile phones – Go Buy A Torch

You need to listen to this before you download a ‘Flashlight App’. If you have already downloaded this app, no matter what type  it is,  you may consider erasing it.

 

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Beat Those Roaming Costs On Your Phone Bill

I was listening to the news this morning and one of the news items was a woman who recieved a bill from the phone company for $200,000. The reason being her son who apparently is deaf,  was in canada and used his phone for texting, like 2,000 texts, downloaded video’s and other information from the internet and of course  phone calls. I mean how ridiculous was that. Did that Mother not think to tell him to use the phone only in emergencies or did she not know what the cost of using your phone in another country would be. Anyway I believe the phone company reduced the bill to $2,500. Still that is expensive.
Because I do a lot of travelling I am aware of the cost of using my phone. I was caught once but not again.

Here are some tips to save you the stress.

1. International plans
Wireless carriers say customers can cut costs by subscribing to their international plans, which offer reduced rates for voice calls, text messaging and data streaming.
AT&T, for example, charges a “standard international roaming rate” of $1.39 a minute for wireless phone calls made or received in France. Subscribers to AT&T’s World Traveler program — who pay $5.99 a month for reduced rates in more than 150 countries — pay 99 cents a minute in France.
AT&T suggest that before you go travelling contact them and discuss where you will be traveling to and how often you expect to use the phone. The International plan that AT&T have is supposed to save you hundreds of dollars but I am sure if you are not careful you will have a shock when you get home at the bill you will recieve.
Good suggestion but not the best.

2. More control over roaming charges.
a. Truphone – Truphone’s Tru SIM international cards let you place a roaming SIM (subscriber identity module) card inside your GSM (global system for mobile communications) phone, a wireless technology standard used by AT&T and T-Mobile. With a basic Tru Essential plan, which costs $30 a month, you get 100 minutes to use in the USA, Britain, the Netherlands and Australia. Each additional minute costs 10 cents to 20 cents. Data costs are as low as 10 cents a megabyte, depending on the plan.

b. XCom Global – Offers unlimited data for $17.95 a day ($14.95 a day for members).The company offers a mobile hot spot device that can connect a smartphone, a laptop and up to three other devices to the Internet in 67 countries. With some smartphones, the hot-spot device and a Skype mobile app, cheap international calls can be made.

c. Tep Wireless – Rents both a pocket Wi-Fi hot spot and local smartphones. Tep Wireless charges $6.50 a day for five-day use of a smartphone in Britain. Unlimited data and 100 local texts are included. You can pay extra for voice calls — $12.50 for 250 minutes of international calls and 20 minutes of local calls.

3. PrePaid sim Card – This is what I do, it allows me to keep track of how much I am spending and most of all when I get home from traveling I don’t have and exorbitant phone bill waiting for me. I have my Iphone unlocked by my provider and that allows me to purchase and use a prepaid sim card in whatever country I am in. Just a word of advice though put your sim cards in a safe place. They are so small that they can easily be lost. I always wrap them up and put them in my passport or in part of my briefcase where it won’t slip out.

 

SOURCE

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