Jersey Recruitment

If you always wanted a job which brought interesting experiences every day, got you the chance to work in stunningly beautiful locales and yet gave you the living style of a small community, think Jersey. Jersey recruitment can help you find your dream job.

Jersey is a small island lying to the south of Great Britain. It enjoys a great variety in geography ranging from long coastlines to rolling hills. Unending stretches of walks and cycle paths lined with flowers and trees makes it a haven for tourists. The temperate weather is a bonus. No wonder, travelers tired of living with deadlines and stress make a beeline to Jersey. This influx of tourists has led to a well-developed base of job opportunities in hospitality, communications, finance and retail industries.

Jersey recruitment agency is an organization dedicated to provide men and women who wish to seek a career in hospitality administration. With a rising demand for qualified professionals thanks to the boom in tourism, the agency has been able to find rewarding careers for many. It is a member of the Jersey Hospitality Association, which consists of nearly 300 members.

Besides attracting tourists, Jersey has always been an attractive hub for offshore investment banking operations. Hence, talented individuals could find work as accountants, financial advisors and secretarial assistants. Jersey's local state government has been quite receptive about creating jobs in various sectors so that there is all round economic development of the island. As a result of these initiatives, jobs are aplenty in sunrise areas like telecommunication, financial services, retail, graphic design and fashion design. The official government job site lists the available opportunities. There are many external Jersey recruitment agencies as well. The tax laws and employee relations policies are tailored in favor of the job seekers.

Log on to one of the Jersey recruitment agencies and you could be sailing to a life of excitement and financial freedom.

VoIP (Computer Phone) Warning

Never before in the history of telecommunications has a more important warning been needed for current and potential VoIP (computer phone) users who have joined, or will be joining, in the inevitable paradigm shift from telephone to VoIP.

Warning! Warning! Warning!

Beware of VoIP internet service providers that operate on industry standard codec and industry standard protocols because they are PUBLICLY OPEN and INTERPRETABLE! This also includes, but is not limited to, peer-to-peer (P2P) networks.

In plain terms, this means, if you subscribe to, or considering subscribing to a VoIP internet solution provider who operates on these industry standards – and over 90% do -- you have inadvertently made yourself vulnerable to the criminal activities of hackers. Regardless of the type of anti virus software you have on your computer, the publicly accessible industry standards provide a pathway by which these criminals can access your computer to plant viruses, worms, Trojan horses, and/or steal your identity.

Like sharks in a feeding frenzy, unscrupulous criminal hackers view systems operating on these industry standards as their personal “Cash Cow” because of the ease by which they can access your computer and gather your information to sell to other criminals.

Did you know that some hacker-friendly providers offer processor chips that are only sold on the Internet?

Did you know that hacker-friendly providers actually offer hacker software that enables these criminals to deliberately disable security on computers, access your personal and confidential information, as well as inject their viruses, worms, and/or Trojan horses?

For instance, “Vomit” is a free download software that was designed to convert VoIP phone conversations into a wave file which could be played with standard sound players. Hackers gleefully interpret this as a tool they can utilize to attack unsuspecting victims.

Hacker manuals are also easily accessible via the Internet. One of these manuals shows how to DoS other sites. DoSing (Disruption of Service) involves gaining unauthorized access to the “command prompt” on your computer and using it to tie up your vital Internet services. When a hacker invades your system, they can then delete or create files and emails, modify security features, and plant viruses or time bombs onto your computer.

“Sniff” is another tool (originally intended to help telecommunication professionals detect and solve problems) that criminal hackers use to tamper with the protocol and “sniff out” data. When hackers sniff out a data packet from Internet traffic, they reconstruct it to intercept conversations. This enables them to eavesdrop on conversations, gather information, and sell it to other unprincipled criminal entities.

Identity Theft

Identity theft is one of the most sinister of vulnerabilities you can inadvertently be subjected to. Identity theft is defined by the Department of Justice as

“…the wrongful obtaining and using of someone else’s personal data in some way that involves fraud or deception, typically for economic gain.”

Identity theft is the by-product of unscrupulous criminal individuals obtaining your social security number (including those of your spouse and children), your bank account, your credit card information, etc. Your information is then sold to other criminal entities for profit. Using your information, these criminals can then:

• access your bank account funds
• create new bank accounts with your information
• create driver’s licenses
• create passports

Attorney General Ashcroft stated that,

"Identity theft carries a heavy price, both in the damage to individuals whose identities are stolen and the enormous cost to America's businesses.”

Don’t be naïve enough to think it won’t happen or couldn’t happen to you!

A group hosting a website known as shadowcrew.com was indicted on conspiracy charges for stealing credit card numbers and identity documents, then selling them online. While this group allegedly trafficked $1.7 million in stolen credit card numbers, they also caused losses in excess of $4 million.

According to a Press Release issued by the Department of Justice on February 28, 2005, a hacker was convicted of several counts of fraud, one in which

“…he fraudulently possessed more than 15 computer usernames and passwords belonging to other persons for the purpose of accessing their bank and financial services accounts, opening online bank accounts in the names of those persons, and transferring funds to unauthorized accounts.”

If you are using a VoIP internet service provider and do not want to be a victim of Identity Theft, then take the first step to protect yourself -- don’t use VoIP internet service providers operating on industry standard codec and industry standard protocols.

Viruses, Worms, and Trojan Horses

On January 28, 2005, a press Release issued by the Department of Justice reported that a 19 year old was convicted for his criminal activity by “…creating and unleashing a variant of the MS Blaster computer worm.” Christopher Wray, Attorney General – Criminal Division stated that,

"This … malicious attack on the information superhighway caused an economic and technological disruption that was felt around the world.”

On February 11, 2005, in a Press Release issued by the Department of Justice, reported that another criminal was sentenced for circulating a worm. This worm,

“directed the infected computers to launch a distributed denial of service (DOS) attack against Microsoft's main web site causing the site to shutdown and thus became inaccessible to the public for approximately four hours.”

March 7, 2005, Symantec.com posted discovery of a worm named “W32.Serflog.B” that spread through file-sharing networks and MSN Messenger – networks that operate on publicly open and interpretable industry standard codec and protocols, including P2P systems, as well as Instant Messaging systems—none of which are protected, regardless of the anti virus software on your computer. The W32.Serflog.B worm also lowers security settings and appears as a blank message window on the MSN Messenger.

If you don’t want to be the next victim of the devastation created by worms, STOP using services that operate on industry standard codec and protocols, and/or services that incorporate P2P systems.

Anti virus software does not incorporate protection for Instant Messaging services. In addition, Instant Messaging services, in and of themselves, do not include protection for their users.

If you like the convenience of text chatting via Instant Messaging, then use a VoIP internet service provider that includes the Instant Messaging feature -- one that does not operate on industry standard codec or industry standard protocols that are publicly open and accessible.

Optimally secure VoIP service providers that incorporate a secure Instant Messaging feature, operate from their own proprietary high end encryption codec on patented technology that is hosted in a professional facility. Simply put, when a VoIP internet service provider operates on optimally secure platforms, the Instant Messaging feature on the VoIP softphone, is also protected with their technology.

A Trojan horse is a program that internet criminals use to interrupt and interfere with your security software and produces the following results

• Terminates processes
• Removes registry entries
• Stops services
• Delete files

Hackers, who have gained access to your computer, because of the programs and software as mentioned above, are having a field day incorporating this nasty little program into their arsenal of weapons.

As recently as March 4, 2005, a new Trojan horse was discovered that modified settings in Internet Explorer. Windows 2000, Windows 95, Windows 98, Windows Me, Windows NT, Windows Server 2003, and Windows XP were the reported systems that could be affected.

Here’s the bottom line.

1. If you are currently using a VoIP internet solution provider that operates on industry standard codec and industry standard protocols that are publicly open and interpretable, you need to make a decision:
   1. Continue enticing criminal hackers and remain on their service, or
   2. Take immediate corrective action.
2. If you are currently using Instant Messaging of any sort, you need to make a decision
   1. Continue enticing criminal hackers and remain as a user of their service, or
   2. Take immediate corrective action.

If you decide to take immediate corrective action:

1. Find a VoIP internet solution provider that has their own proprietary high end encryption codec
2. Find a VoIP internet solution provider that has their own proprietary patented technology
3. Find a VoIP internet solution provider that hosts their proprietary patented technology in a professional facility
4. Find a VoIP internet solution provider that includes the Instant Messaging feature in their proprietary patented technology

Time to Redefine Telecom

Telecommunication, according to Wikipedia, is the extension of communication over a distance. In practice, it also recognizes that something may be lost in the process; hence the term 'telecommunication' covers all forms of distance and/or conversion of the original communications, including radio, telegraphy, television, telephony, data communication and computer networking.

While defining telecom gets more and more difficult, the profit and ethics behind the business keep on diminishing. SBC spent $16B to a company whose revenue stream is declining more than 10% year over year. Verizon bought MCI, and in order to make deal lucrative, they say they will layoff over 7,000 people.

The reason for scaling-down in telecom is that the technological advancement has terribly been focused on communications. We all owe a thank to nineties for that... Lots of technical people has seen the future in Telecom and made huge amounts of mind investment to the business. Today, we are forced to live in an overly competitive industry where telecom is forced to be cheaper everyday. To make matters worse, a company called Skype appeared. This global P2P Telephony Company decided to make old fashioned definition of telecom a commodity through its software, which allows you to make free calls over the Internet. Other emerging companies like Net2Phone and 8x8 also flocked customers to make cheaper (sometimes free) calls.

Some traditional telecom companies have kept an awry eye on those start-ups while adopting technologies like VoIP. They mostly thought those new technologies are something to monitor and investigate. In other words, they are disruptive. Some assumed the danger and started firing QoS bullet, as those startups do not provide top-notch service like incumbents do.

The fact of the matter is, none of those business plans will hold true should they are based on making money on calls. Like Michael Powell said, “I knew it was over when I downloaded Skype...”

So, can we say that telecom is a commodity?

My answer would be no, if network providers accept to change their musty mindset. Three things are important if the full background of this new notion is to be understood. First is, telecoms exist to provide infrastructure. The rest needs to be handled by networking and computing companies.

The need for voice, video and data are going hand in hand. There is no value in them when there is no Internet. That’s why, the second is, the new business plan should be based on the Internet access. If telecoms want to survive, charging customers packet-based with the guarantee of excellent QoS is the only way to go. MPLS is their material to make this happen.

This way, optimization, the biggest concern of telecom industry, can be solved as the packet usage can be approximated. Demoting VoIP into an application to where it originally is can be doable in packet-based model. This new model will also disallow fighting against free-of-charge models and bring a fresh breath to network providers to generate more revenue.

Third is, not only the ability of optimization but also the prioritization and security of the traffic, if needed, will let network providers to put extra cash to their pockets. The money behind the content will not be their ball game.

Some may argue that there is no incremental cost of extra usage of packets to a network so the value behind tracking the traffic is nonsense. However, what is unseen is that it forces network providers to upgrade their systems quicker. They can also build their cost /profit structure easier.

Perils to the model would be the evolution span of MPLS and anti-spam systems. MPLS, as an immature technology, is welcomed with high expectations. Addressing all needs in such a short period of time needs a lot of investment. The story is almost the same for anti-spam solutions too. No customer would like to pay extra for spam as this is adding to the traffic that a user is using. That would force network providers to unify on an MPLS/ anti-spam model where they and their customers can rely on.

Once this new role of incumbents is well assumed with solid technology, then converting the so-called threat of telecom commoditization into an opportunity is feasible.

Senior Citizen Calling Tips

The AARP, American Association of Retired Persons, ( http://www.aarp.org/ ) conducted a survey in 2000 entitled, “Consumer Understanding of pricing Practices and Savings Opportunities in Long Distance Telephone Industry.” This report was an update of an earlier survey conducted in 1998. As the title implies, the survey examines the pricing issues surrounding long distance calling plans in the market and the public’s awareness, with a particular focus on people over 50, of these types of savings plans. Only one-quarter of those interviewed 65 and older, looked for long distance calling plans that would save them money. More alarming was the fact that only a little more than 40% knew that the best rate was not the standard rate. To read the complete report, click here. ( http://research.aarp.org/consume/d17192_longdis.pdf )

Since deregulation, there are literally dozens, if not hundreds, of calling plans available in the market today. This has been a windfall for consumers but unfortunately all of the various plans and options can become very confusing for most consumers – particularly our elderly who grew up during the AT&T only reign. Please read on if you or one of your family members fall into this category. We offer these tips to help cut through some of the confusion and ease the burden (pain) of selecting a calling plan that will save them considerable sums over time.

• Telemarketing Issues:

Telemarketers and receiving spam email are one in the same, as far as I am concerned. With unwanted email you can hit the delete key; with telemarketers simply hang up. Besides, selecting a calling plan should be done with full knowledge and disclosure and reading the fine print. You cannot do that over the phone and you can rest assured that the telemarketer is not going to be terrible forthcoming. As the drug commercials say, just say no – then hang up.

• Peak versus Off-Peak Rates:

You need to look for a calling plan that delivers the same low price, any time and all of the time. Although there are numerous plans out there that offer different rates for different times and weekends, they have the tendency to mystify and bewilder mere mortals such as you and me.

• First Steps:

Start with people you know and trust; family members, close neighbors and business associates if appropriate. Ask who they use and why; what their rates are and if there are any limitations. Check with them on whether there are monthly fees and minimums with their calling plan and most important, whether they are satisfied with their service and would recommend their carrier to others. Answers to these types of questions will get you pointed in the right direction at least. Also, if you hear the same company recommended by more than one friend then you need to look into their plans first.

• Primary Considerations:

Unfortunately, getting the right calling plan requires a little work on your part. You need to study your telephone calling behavior, check for patterns, times, particular cities that you call more frequently and so forth. Do you make most of your calls locally, within the State or State-to-State? Are you a large consumer of International calls? Once you understand your personal calling habits and patterns you can begin to focus your attention on which carrier will best meet those need and meet your expectations with the most competitive price. Match your calling pattern with the recommendations you received from others in the first step above. Is there a good fit? If so, pursue them further.

• Monthly Fees:

There are many calling plans available in the marketplace that does not force you to pay a monthly fee. Avoid monthly fees if at all possible. Even more so if you do not make many calls. One more word of caution, do not buy in to the hype about low state-to-state rates because in some cases, lurking in the fine print may be a monthly fee. It’s like spotting an attractive lady across a dimly lit room, once the makeup and wig comes off you discover the true ugliness lurking beneath.

• Leasing versus Owning the Phone:

There is no reason today to lease a telephone from your local carrier. Check your telephone bill and see if there is a line item for leased equipment. If there is, head down to your local retailer that sells telephones and pick up a phone that suits your needs. Chances are you will be able to purchase a telephone with more features and at a cost that will save you a tidy sum every year. There are many retailers that sell phones for well under $100 with some below $50. There are many telephone carriers that charge leasing fees up to $20.00 per month or $240 per year. Today that is just a waste of money.

• Cramming:

Get into the habit of reviewing your telephone bill every month. Although reputable telephone carriers do not indulge in the spurious practice of cramming, they do occasionally make a mistake. Cramming is the practice of placing additional charges for goods and services on your telephone bill that you did not authorize or purchase. It is illegal. In the case of a mistakes or suspected cramming, you need to contact the company and ask them, politely initially, to explain the charges. If you didn’t authorize the purchase then ask your carrier to remove it from your bill. If they fail to remove the charge from your bill, and you feel that the charge is wrong, then contact your local office of

Public Utilities or go to the FCC web site and file a complaint.

• Added Features:

There are many fine features that can be added to your telephone service to enhance its functions and permit a broader range of useful information. But if you are like me, and could care less about the fancy bells and whistles, remove those services that you really don’t need or want. Unfortunately, there are many seniors that are sold a package of goods and services when they sign up for a new service or when telemarketers call with the latest gizmo. If you don’t need it, don’t get it. If you have it and don’t use it, remove it. All of these little “extras” increase your bill and could be a waste of money.

• Saving on Calling Plans with Fixed or Low Income:

The Federal Government is committed to providing telephone service to all Americans. The Federal Universal Service Fund includes the low-income program; which provides discounts on telephone installation and basic monthly service to qualifying consumers. There are two components to the low income program, Lifeline Assistance (“Lifeline”) and Link-Up America (“Link-Up”). Lifeline and Link-Up are available to all qualifying low-income consumers nationwide. The FCC’s enhanced Lifeline and Link-UP programs, however, which offer additional discounts, are available only for qualifying consumers living on Tribal Lands. Check with your local provider and ask about these programs in order to earn discounts on the basic telephone service. For more information about these low income programs click here. ( http://www.fcc.gov/cgb/consumerfacts/tribalfactsheet.pdf )

• Changing Long Distance Carriers too Much Trouble:

Many people feel that switching carriers is just too much trouble and a bit too confusing. They are probably right. But in any event, if you decide to keep your existing carrier then at least check with them to make sure you are getting the best value for your money and the cheapest rates they offer. Do some of the other tips we suggest here, such as getting rid of leased equipment and extra features and you will be able to trim your bill substantially.

Undiscovered Tactics Of An Injury Claim

Don't you just hate it when your phones constantly ringing with telesales staff asking if you have an injury claim? Teams of 2 to 3 people roaming the streets, smartly dressed and groomed, with black leather folders limping in their arm... these college leavers will knock on your door!

What is it they're selling? Is it insurance, electricity, gas, telecommunication services? Or is another company patrolling your area 'informing' people, they can claim injury for an accident, which wasn't their fault?

An insight in to the history of personal injury claims

It didn't exist a decade ago… well not to the likes of people being injured. You have an accident and nobody really cared besides the obvious family and friends. 'Take some medicine' or 'have some rest'. Even if you end up in hospital or the doctors surgery... 'just takes these and you'll be fit as a bear in a couple of weeks'. And that's it! Nothing dramatic ever happened.

Today's Generation

There's advertisements everywhere you turn, billboards, newspapers, magazines, radio and TV. Someone knows someone who has a personal injury firm or a brother knows a mate, even 'my chick's brother has a firm'. So dramatic and competitive people fall for their tricks. Remember before, nobody's interested, but now they’re your best friends. 'Don't worry, we’ll sort it out'.

Now, If your mates firm messed up your case, what can you possibly do? Report him to his superiors? It's probably his partner's firm. Your brother-in-law has taken your case and now can't find the essential paper work. You'll ring the company and want to speak to the consultant who took on your claim? Is he/she still working there? You want an update, but all you get is 'we're stilling waiting for your medical report' or 'your file has been transferred to another department, I'll just find out?'

Complications after complications...

Remember in the early years, the slogan 'no win no fee'? 'If we lose you don't pay anything?' You sign a couple of pages and sorted, your injury claim is up and running. Brilliant.

Now after months have gone by, you hear nothing. 3 months later, you call to hear what status your claim has reached. 'Your file's up and running and you should be attending a medical specialist soon.'

6 months go by finally your medical arrives. 4 months later you receive a cheque of £400 and eyes the size of golf balls?! What the hell is going on???

Frustrated with the settlement cheque, you ring the company for questioning. They pull out your file and take you through the charges and how they reached a final settlement. 'But, you... 'Yes, it's all in black and white and you signed it!' But guess what, you're too late, and now you'll learn from that mistake...

Now For The New Trick…

100% Compensation! Yes, you get all of your compensation. Amazing, finally a dream come true...

What does it mean?

Once your claim is settled, you will receive the 'full' compensation money, without deductions. Now this is the clever bit... the specialist will payout 100% Compensation, but that does not mean the claim management company will not!

At the end of the claim, the management company (owned by your mates friend) will charge you a kick back after you have received your 100% Compensation. Effectively, you receive 100% Compensation, but once you received it, the claim management company will now take out their fees. Smart eh???

You still, by law, got 100% Compensation from the specialist. Which is what they claimed, however, the deductions kick in afterwards.

You've taken enough beating as it is. It's time to be smart! Beware of the 100% Compensation slogans flying around. How do you avoid them?

VoIP and the Communications Industry

Are you worried about the costly long distance phone rates? Do you want to find some ways on how to call your loved ones in a cheap way? Are you a student who finds it hard to make a call with your parents? Is your company paying too much for long distance call? Have you heard how VoIP contributes in communication business? The waiting is over, VoIP is the answer.

VoIP can eliminate all those expensive long distance rates. To further discuss, VoIP is the newest and most advanced audio communications technology.

VoIP stands for Voice over internet protocol. This latest communication innovation which has a variety of different applications and features in order to give a clear and affordable conversation all over the world.

How does VoIP work?

Many people are quite amazed on how VoIP works. Well, its features work on a revolutionary technology. It has a communication method that streamlines the sending analog audio signal. The signal is converted into a sound to be sent digitally over transmission lines through the internet.

According to the service providers of VoIP, by using this technology the user can have free “by minute charges”. That is one of the great things about VoIP plans.

If the “by minute charges” is consumed, the user will have to pay the monthly fee and make all the calls they want over the computer.

The VoIP procedure is very simple but an elegant and simplistic way of communication. It can be the greatest solution for long distance call problems that everyone is waiting for.

The VoIP works on several ways, in communication, like circuit transmitting, data pocket exchanging and retrieval of information by using the computer.

This communication system can also send the information by finding the open channels that are available rather than out-and-out lines. The information transmitted simply assembled at the source location. Comparatively VoIP works more efficient.

In order to be aware of how VoIP works, it is first important to know the basic concept of traditional analog audio communication. The analog audio communication can be very helpful in terms of VoIP communication.

The basic analog phone calls are actually made on the fiber optic communication network. These networks can make a voice communication by collecting voices communications. The voices are delivered directly to the destination, while the signals are also converted to analog.

VoIP can assure a cheap or even free telephone call for the users. For some companies, it also means generating income. This is good news for the companies who want to cut some of their expenses. Most of the companies spend thousands of dollars per year just because of long distance calls alone.

Now, if the company would like to have far-reaching consultation call, VoIP can make more sense when it comes to that issue. It can also combine conference options like sharing of documents and multiple conversations.

According to some statistics, most of the companies that patronize VoIP has earned 80 percent of its revenues compared to other telecommunication that only gives 55 percent.

The great shift of VoIP is starting to hit top rating national telecommunication industry and international mobile corporations.

As a conclusion, VoIP is indeed a very interesting breakthrough when it comes to communications. It is the most well-organized, accurate, efficient, and much less expensive way of talking to the people you need to communicate to. Why not try VoIP? It can be the answer to all of those communication hindrances.

Senior Citizen Calling Tips

The AARP, American Association of Retired Persons, ( http://www.aarp.org/ ) conducted a survey in 2000 entitled, “Consumer Understanding of pricing Practices and Savings Opportunities in Long Distance Telephone Industry.” This report was an update of an earlier survey conducted in 1998. As the title implies, the survey examines the pricing issues surrounding long distance calling plans in the market and the public’s awareness, with a particular focus on people over 50, of these types of savings plans. Only one-quarter of those interviewed 65 and older, looked for long distance calling plans that would save them money. More alarming was the fact that only a little more than 40% knew that the best rate was not the standard rate. To read the complete report, click here. ( http://research.aarp.org/consume/d17192_longdis.pdf )

Since deregulation, there are literally dozens, if not hundreds, of calling plans available in the market today. This has been a windfall for consumers but unfortunately all of the various plans and options can become very confusing for most consumers – particularly our elderly who grew up during the AT&T only reign. Please read on if you or one of your family members fall into this category. We offer these tips to help cut through some of the confusion and ease the burden (pain) of selecting a calling plan that will save them considerable sums over time.

• Telemarketing Issues:

Telemarketers and receiving spam email are one in the same, as far as I am concerned. With unwanted email you can hit the delete key; with telemarketers simply hang up. Besides, selecting a calling plan should be done with full knowledge and disclosure and reading the fine print. You cannot do that over the phone and you can rest assured that the telemarketer is not going to be terrible forthcoming. As the drug commercials say, just say no – then hang up.

• Peak versus Off-Peak Rates:

You need to look for a calling plan that delivers the same low price, any time and all of the time. Although there are numerous plans out there that offer different rates for different times and weekends, they have the tendency to mystify and bewilder mere mortals such as you and me.

• First Steps:

Start with people you know and trust; family members, close neighbors and business associates if appropriate. Ask who they use and why; what their rates are and if there are any limitations. Check with them on whether there are monthly fees and minimums with their calling plan and most important, whether they are satisfied with their service and would recommend their carrier to others. Answers to these types of questions will get you pointed in the right direction at least. Also, if you hear the same company recommended by more than one friend then you need to look into their plans first.

• Primary Considerations:

Unfortunately, getting the right calling plan requires a little work on your part. You need to study your telephone calling behavior, check for patterns, times, particular cities that you call more frequently and so forth. Do you make most of your calls locally, within the State or State-to-State? Are you a large consumer of International calls? Once you understand your personal calling habits and patterns you can begin to focus your attention on which carrier will best meet those need and meet your expectations with the most competitive price. Match your calling pattern with the recommendations you received from others in the first step above. Is there a good fit? If so, pursue them further.

• Monthly Fees:

There are many calling plans available in the marketplace that does not force you to pay a monthly fee. Avoid monthly fees if at all possible. Even more so if you do not make many calls. One more word of caution, do not buy in to the hype about low state-to-state rates because in some cases, lurking in the fine print may be a monthly fee. It’s like spotting an attractive lady across a dimly lit room, once the makeup and wig comes off you discover the true ugliness lurking beneath.

• Leasing versus Owning the Phone:

There is no reason today to lease a telephone from your local carrier. Check your telephone bill and see if there is a line item for leased equipment. If there is, head down to your local retailer that sells telephones and pick up a phone that suits your needs. Chances are you will be able to purchase a telephone with more features and at a cost that will save you a tidy sum every year. There are many retailers that sell phones for well under $100 with some below $50. There are many telephone carriers that charge leasing fees up to $20.00 per month or $240 per year. Today that is just a waste of money.

• Cramming:

Get into the habit of reviewing your telephone bill every month. Although reputable telephone carriers do not indulge in the spurious practice of cramming, they do occasionally make a mistake. Cramming is the practice of placing additional charges for goods and services on your telephone bill that you did not authorize or purchase. It is illegal. In the case of a mistakes or suspected cramming, you need to contact the company and ask them, politely initially, to explain the charges. If you didn’t authorize the purchase then ask your carrier to remove it from your bill. If they fail to remove the charge from your bill, and you feel that the charge is wrong, then contact your local office of

Public Utilities or go to the FCC web site and file a complaint.

• Added Features:

There are many fine features that can be added to your telephone service to enhance its functions and permit a broader range of useful information. But if you are like me, and could care less about the fancy bells and whistles, remove those services that you really don’t need or want. Unfortunately, there are many seniors that are sold a package of goods and services when they sign up for a new service or when telemarketers call with the latest gizmo. If you don’t need it, don’t get it. If you have it and don’t use it, remove it. All of these little “extras” increase your bill and could be a waste of money.

• Saving on Calling Plans with Fixed or Low Income:

The Federal Government is committed to providing telephone service to all Americans. The Federal Universal Service Fund includes the low-income program; which provides discounts on telephone installation and basic monthly service to qualifying consumers. There are two components to the low income program, Lifeline Assistance (“Lifeline”) and Link-Up America (“Link-Up”). Lifeline and Link-Up are available to all qualifying low-income consumers nationwide. The FCC’s enhanced Lifeline and Link-UP programs, however, which offer additional discounts, are available only for qualifying consumers living on Tribal Lands. Check with your local provider and ask about these programs in order to earn discounts on the basic telephone service. For more information about these low income programs click here. ( http://www.fcc.gov/cgb/consumerfacts/tribalfactsheet.pdf )

• Changing Long Distance Carriers too Much Trouble:

Many people feel that switching carriers is just too much trouble and a bit too confusing. They are probably right. But in any event, if you decide to keep your existing carrier then at least check with them to make sure you are getting the best value for your money and the cheapest rates they offer. Do some of the other tips we suggest here, such as getting rid of leased equipment and extra features and you will be able to trim your bill substantially.