Comments on: 31 Days To Fix Your Finances, Day 18: Evaluating Your Expenses – Energy

By: 31 Days To Fix Your Finances, Day 17: Evaluating Your Expenses - Life Insurance

31 Days To Fix Your Finances, Day 17: Evaluating Your Expenses - Life Insurance — Sat, 16 Feb 2013 01:08:02 +0000

[...] Ready? Let’s continue on to the next day. [...]

By: Yehuda Draiman

Yehuda Draiman — Sun, 05 Oct 2008 20:34:32 +0000

Unauthorized Charges on Your Local Phone – Utility Bill?
How to Find Them, Eliminate Them & Get Your Money Back!
If your business still gets its phone service through the old “AT&T and Verizon, etc” local phone company (as opposed to one of the newer competitive phone providers) then you need to double check your phone bill each and every month for charges you did not authorize. You may not know it but the local phone company allows other companies to bill you through your local phone bill. And while the local phone company allows other businesses to bill you through your local phone bill, the local phone company does not verify that the charges being billed to you by the other company are valid. When these unauthorized charges fraudulently appear on your phone bill it’s called “cramming”. Unfortunately you as the business owner or manager are the only one that can spot the unauthorized charges and if you don’t comb over your bill every month to spot these unauthorized charges – you’ll pay for them.
Why does the local phone company allow other companies to pass charges onto your phone bill? “Third-party billing” is supposedly a great convenience in that you only have to pay one bill instead of separate bills for obvious authorized phone related charges like yellow-page advertising in the “real yellow pages”, 411 information calls and long-distance calls from your chosen long distance carrier. Over the years though, some less-than-scrupulous companies have realized that most businesses rarely scrutinize their local-phone bills. To take advantage of this, these companies have come up with elaborate schemes to place
unauthorized charges on your phone bill that you’ll end up paying for without even thinking. Unauthorized
charges you can end up paying for include charges for unwanted (and unused) email accounts, web sites,
directory information calls, directory advertising in obscure publications, voice mail accounts and other
services.
In theory, before these charges can be placed on your phone bill, the company that is originating the third-party billed charges is supposed to have a verification of the order like a voice recording. In reality though,
all the company needs to do to initiate the charge is submit your name and phone number to the billing
entity. The verifications are only required to be produced if a complaint is filed.
To prevent these charges from appearing on you business phone bill it’s helpful to understand the four
parties that make unauthorized third party phone charges a costly reality. Party number one is any
employee who can answer your business phones. The unauthorized charge is rarely random and it usually
happens after one of your company employees gets a telemarketing call. Employees should be instructed to
document and report any overly aggressive telemarketing calls they receive. Party number two is the
telemarketing company that originates the unauthorized charges by trying to get your employee to accept
some service for which you’ll be billed through your local phone bill. Party number three is the third-party
billing company that has billing agreements with your local phone company. The name of the third-party
billing is the one that is prominently displayed on your phone bill. After the third-party billing company’s
name is the name of the company that is originating the unwanted charges. Party number four is your “former Ma Bell” local phone company that collects the unwanted charges (keeps a share for “Ma”) and then passes the rest to the third-party billing company (who keeps a big share) and then passes the balance on to the company that initiated the unwanted charge.
Following are some of the top third-party billing names and unauthorized charge originators you’ll find on
your phone bill. If you see these names on your phone bill you’ll want to call the toll free number listed next to the charge to confirm it’s a charge that’s been properly authorized to be placed on your bill. Following are actual examples that we’ve recently found while auditing business phone bills.
We recommend customers should review any utility bills issued by deregulated utility companies. (In most instances today, consumers are paying higher charges to the deregulated gas and electric supply companies).
All Utility – Energy, gas, electric and water bills should be reviewed for proper reading and tariff.
If you suspect that you have been overcharged ask for detailed explanation and or file a complaint with your State Utility Commission.
Compiled by: Jay Draiman, Utility & Telecom Auditor

By: Yehuda Draiman

Yehuda Draiman — Thu, 17 Jan 2008 15:16:41 +0000

Approximately 22 percent of the electricity consumed in the United States goes toward lighting, according to the U.S. Department of Energy. If 25 percent of the lightbulbs in the United States were converted to LEDs putting out 70 lumens per watt, the country as a whole could save $55 billion in utility costs, cumulatively, by 2025. That would alleviate the need to build 65 new coal-burning power stations. Future LEDs are expected to have twice the efficiency lumens per watt doubling these savings. This is one of the easiest ways to save energy, why don’t we see more efforts in this direction?

By: john c brown

john c brown — Thu, 04 Oct 2007 13:22:09 +0000

Great article along woth other great articles on true life frinedly savings tips to live with. Along with CFL bulbs, dimmer switches for your incadescent bulbs. We light them at 40 or 50% power and save 40% power and increase bulb life 50 or 60% in places not conducive to CFL bulbs

thank you for great reading and education.
john c brown

By: Linda

Linda — Mon, 23 Jul 2007 07:14:41 +0000

When will the led light be on the shelves?
They can be purchased now online, are rather
pricey,but from what I’ve read use less
electric than cfl bulbs.
Any info would be appreciated.

By: j moore

j moore — Sat, 21 Jul 2007 17:21:48 +0000

great info; i’ve always knew of the electrical drainage of the power supplies for small appliances and devices but didn’t know how to stop it except for unplugging the power supplies. the unplugging of the power supplies usually involves reaching through a jungle of cords or knocking something loose . that’s why the info on the special surge protectors is so helpful. i am glad to find your website .thank you j moore

By: Matt Brubeck

Matt Brubeck — Fri, 19 Jan 2007 19:50:11 +0000

Surge protectors won’t automatically eliminate phantom power (“drag”). To stop your devices from using power while turned off, you need to flip the power switch on your surge protector, or buy a special surge protector that does this automatically.

By: Clever Dude

Clever Dude — Fri, 19 Jan 2007 15:18:08 +0000

Even though these tips have been preached for years, people still don’t seem to heed them. Luckily, CFL bulb prices have been dropping the last couple years, but they still take some time to warm up. My wife complains that the kitchen is so dark now, which it is, but once we have the bulb going for a few minutes, it’s just as bright as before.

Keep up the posts!