"Special Served Today - A Buffet Of Savings"

Are you hungry for new saving tips ? What I have to serve is a buffet filled with a variety of tasty savings that provide food for thought. Wow ! That was a mouth full in itself. Saving money could include practically every product and/or service known. So I can only serve you appetizers covering a few topics at a time, leaving you hopefully with a taste on your pallet to learn more and return.

There are absolutely amazing ways to save money, and you can save money on everything, you must observe and ask !

If your air conditioning is eating up your energy bill and your budget, ask for a FREE energy audit from your local utilities company. Some even offer FREE energy saving gifts or coupons for greater savings when they come out to the house.

IF you own a business in the states of NY, NJ, DE, MD, CT, NH, ME, IL, DC, RI, MA, MI, and now PA then you will like the 10-35% savings from WHOLESALE INDEX RATES never before offered to small or mid size businesses. IF you are in Texas, then you will really like the 50% savings experienced by residential and commercial electric customers. Check out: http://NewAgePowerBrokers.com/Saves to learn more.

To save on your water bill, ask your utility company for a FREE water restricter for your shower. It saves thousands of gallons of water a year and saves you money.

Don’t throw away the subscription invitations. Most publications will send out a FREE issue of your favorite magazine then send you a bill. When it arrives, write “CANCEL’ on it, make a copy for your file and mail it back.

Watch manufacturers of food products for FREE cookbooks, utensils, etc. Many other manufacturers of products you enjoy or would like to learn more about offer free booklets as well.

Cell phone companies are always running specials. You sign up and the following week or month they run an even better deal and you feel stuck with the ‘old deal’. Contact them and ask the better plan especially if you are a person who consistently runs over your current allotment of minutes.

They say, “If the disease doesn’t kill you the hospital bill will !” . ALWAYS ask for a itemized bill because hospital bills are error-ridden with at least 30% of your bill with incorrect information. IF your insurance will not pay, dispute it, because the items they are refusing could be items that should not have been on the bill to start with.

Please contact your personal credit risk assessment planner SPECTRUM RESOURCES to learn more ways to live inside your income. Call 863-967-0660 or email: SpectrumResources@tampabay.rr.com and visit all our blogs to learn more: http://moneysavingtips.polkvoice.com/ and http://spectrumresources.wordpress.com/ and come back to: http://financialeducationandoptions.blogspot.com/

"Save Money & Stress Knowing Your Consumer RIghts"

“Save Money & Stress Knowing Your Consumer Rights” is a deep subject matter. But if you are being harassed by a debt collector, your basic understanding of the Fair Debt Collection Practice Act (FDCPA) can help relieve your stress. Please review this lesson and learn your rights. Remember; “If you don’t know your rights, you have none !”

First, you can stop the telephone calls very easily. You MUST write and mail a certified letter with a receipt returned demanding that they do not telephone you again at whatever numbers you provide.

Second, know debt collectors by law, may not harass, oppress, or abuse you, or any third parties they contact regarding an ‘alleged’ debt.
· They may not use threats of violence or harm;
· publish a list of people who refuse to pay their debt, however they can provide this list to credit bureaus;
· use obscene or profane language; or
· repeatedly use the phone to ANNOY someone.

Third, you must know that by law, debt collectors may not lie when they are attempting to collect an ‘alleged’ debt. For example, they may not:
falsely claim that they are attorneys or government representatives
falsely claim that you have committed a crime;
falsely represent that they operate or work for a credit reporting company;
misrepresent the amount you owe;
indicate that papers they send you are legal form if they are not;
indicate that papers they send to you are not legal forms if they are.
saying you will be arrested
falsely claim they’ll seize, garnish, attach or sell your property or wages unless they
§ are permitted by law and really intend to do so;
§ take legal action when it is illegal to do so;

and last threaten to take legal action when they don't intend to do so.

Spectrum Resources will share with you in coming lessons more of what debt collectors can and cannot do because in your daily living, crooks do not follow the law and it is up to you as a consumer to know your rights. How deep crooks can get into your pocket depends on your level of education pertaining to your consumer rights. Invest in yourself to appreciate the savings !

To learn more email: SpectrumResources@tampabay.rr.com, or call: (863)967-0660, put our blog addresses into your favorites and visit us often: http://spectrumresources.wordpress.com/ and http://moneysavingtips.polkvoice.com/
And http://financialeducaitonandoptions.blogspot.com/

Help us help others with financial education. Your tax exempt donation is always appreciated: Mail to: SRDC 2014 Brentwood Dr. Auburndale, FL 33823 or use online check processor: www.Checkman.com/pay4it/12985