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Your Frugal, Money Saving Websites and Forums a Great Resource for Free Stuff In any economy, it is essential to save money and therefore any way there is to get free stuff is a good way. Many pages online offer help, advice and even coupons on how to save money and be frugal. These websites offer coupons to reduce the grocery or department store bill, send out monthly newsletter with the best moneysaving tips and even direct their visitors to free stuff. Many bigger companies, manufacturers of everyday household items and restaurants offer coupons for reduced price or sometimes free products. Visiting every month all the different manufacturers’ web pages can be very lengthy and proves to be not very efficient. But by visiting one of the sites that cumulate all that information into their web pages, one can save enormous amounts of time and additionally save dollars when shopping. Essentially, when looking for web pages that offer grocery coupons, links to free products and more it is important to make sure that a trustworthy site is entered. On the Internet, viruses and identity theft are a great concern. Of course, many of these online coupon resources require signing up, but it always depends on the information they ask to determine whether a page is fraud or not. In general such pages should not ask for social security numbers, credit card numbers or other account information. They may ask for name, age, telephone number and address. Signing up to one of these wonderful money saving pages is quick and easy. Many of these web pages also offer coupon printers so that the barcode on coupons gets printed legible for the store scanner. Some of the coupons and rebates found on those pages will help the shopper to free products or credit on a store card so that the shopper is able to receive free products at the next shopping trip. There are pages that even offer state customized advice. These pages offer a list of coupons, free products and special offers from certain stores close to the location that was picked as home location. This function offers shoppers the opportunity to exactly know where they are able to get free or reduced products close to home and shoppers do not have to do a lengthy search to find out which stores will accept certain deals and coupons. Some of the pages also offer forums, where other shoppers will post advice or deals that they saw in the area. This is often a great tool to save, since stores will have a reduced sale, a clearance sale after a certain holiday and other shoppers will post where they saw great deals. This way whoever is subscribed to receive alerts from the forum gets to know where great seasonal or short-term deals due to promotions and clearances can be found. The more pages a shopper is a part of, the more deals can be found and the more money can be saved. Money savers are everywhere and with little effort shoppers can save money for college funds, vacations funds or just to have some money for fun. When looking to reduce monthly spending and still trying to stay at a certain standard of living, online resources can be used to just do that. There are many companies, that will offer free trial sizes or regular sizes of new or improved products and to find out about such deals, a subscription to one of the moneysaving websites can help shoppers to more of these free products. It is easy to save money, and the more experienced a shopper gets and the more a shopper learns about saving money with these websites, the more will actually be saved.

A Top Notch Cover Letter Can Get your Foot in the Door If you have ever looked for a job, then you know that it is tough out there. Competition is always fierce, especially for those “dream job” type of positions – great company, great benefits, and great pay. If you want your resume to rise to the top of the pile in the Human Resources department and you want to get that call for an interview, then you need something to make your resume stand out from the rest. The best way to draw attention to everything you have to offer is to have a cover letter that jumps right off the page and grabs the attention of the reader. The cover letter is your first chance to make an impression, so make sure your cover letter makes you the one potential hire that is definitely going to be getting a call. Before you can get into the content of your cover letter, you have to cover your basics. You should never, ever have a “form” cover letter that you use with every resume you send. Tailor your cover letter specifically to each individual employer, mentioning their company and the position for which you want to be considered. Address the letter to the correct person – if you’re not sure who will be doing the hiring, call the company and ask. Don’t assume you can address your letter to the HR department and have that be close enough. Taking the time to write a personal cover letter to each company lets your potential employer know you pay attention to detail right off the bat. Of course, you should also make sure that your cover letter is grammatically correct and free of typos. A sloppy cover letter is a one way ticket to the trash can for your resume. Once you have your basics in order, you can turn your attention to what you are actually going to write in the cover letter. Your cover letter is your sales pitch to the company; you need to let them know why they should bet on your when they hire for the position. One great way to sell yourself is to show off how much you already know about the company. Let them know why you want to work there by specifically mentioning projects the company has been involved in that you admire or talking about the position of the company within the field. As you show off how much you know about the company, draw attention to the ways you can actively help the company grow and succeed by drawing parallels between your experience and their work. After you have shown that you have done your homework and know about the company, go into some detail about the unique aspects of your work history. Draw attention to any special achievements or awards and any educational background you have that makes you a good candidate for the job. Remember, your resume will be attached to the cover letter, so you don’t have to go into great detail. Just pick out the highlights that will make the reader want to turn the page and delve into your resume. How you close your cover letter makes as much difference has how you open it. State again exactly what job you want to be considered for, and suggest that you come in for an interview. You can also suggest a few dates and time for an interview to show that you are eager to move on to the next step. You should also give a time and date that you will call to follow up on your resume. A pleasant closing and your signature seal the deal on your winning cover letter.

Is That Free Offer Legit? Tips that Can Help Everyone loves the chance to cash in some great free stuff, but navigating the world of freebie offers, especially online, can be like navigating a minefield. Unfortunately, a lot of people out there use the love others have of taking advantage of free deals to scam them out of money or personal details that can be used in identity theft scams. All of this gloom and doom doesn’t mean that you have to give up on free things altogether, however. The good news is that there are some simple, common sense steps you can take protect yourself from online freebie scammers. These tips will help give you the confidence that you can enjoy taking advantage of free offers without the fear of ending up facing some negative consequences. First and foremost, when you are checking out a free offer on the Internet, take a closer look at the website, beyond just reading the words and figuring out what you have to do get the free goods. Does the website look like it was made by a professional, with some consideration, or does it look like a five minute amateur job? Are typos and clip art the order of the day, or does it look like a website any business would be proud to call its own? What about the web address – is a domain name that matches the business the website claims to represent, or is a “free” domain address that includes the name of the domain company in the address? All of these factors can be red flags that determine the difference between a scam and a legitimate free offer. If the website looks half hearted or doesn’t seem to exactly “match” the company it purports to represent, then don’t even think about trying to get anything from it. When you’re reasonably sure that the website is actually the front of a legitimate business, it’s time to turn your attention to the privacy policy of the website. The best privacy policies guarantee you that the email address you use to sign up for this offer will not be shared with any other companies – but when it comes to free stuff, those kinds of privacy policies are few and far between. Many companies cover the costs of the free things you get by selling your email address to other companies that may have offers you they think you might be interested in. If you can’t find a privacy policy that lets you opt out of getting unwanted solicitations, at least make sure the site is secure and that any personal information can’t be obtained by hackers. Other things to look out for when you’re looking for freebies is products that are free but that require you to pay a shipping charge that seems beyond the pale for what it should cost to ship and freebie offers that seem to ask for way more information than needed for what the product actually is. Twenty pages of personal information for a travel size bottle of shampoo? That doesn’t make sense, and it should set off warning bells in your head. All of these red flags aside, giving out some amount of personal information comes part and parcel with freebie offers. There are a few things you can do to make life easier on yourself. Set up an email account that you will use specifically for freebie offers so all of the inevitable spam doesn’t clog up your main account. Use a phony phone number (preferably one that can’t be anyone else’s, like one that starts with 555). Last but not least, if you’re unsure about an offer, keep on moving. Better safe than sorry.