How to Waive Bank of America Checking Account Monthly Fee

I have a Bank of America MyAcess checking account, and I really like it. It is free (when there is at least one direct deposit during the month), and I specially like their online FREE bill paying feature. The only problem is If I don’t have a direct deposit during the month, a $5.95 monthly maintenance fee will be charged to my account. The good news is, recently I just found out how to waive the fee and make it truly free.

The solution is actually very simple: If you have a Bank of America MyAcess checking account, but don’t have a paycheck or any other source of direct deposit, you can avoid the fee by transferring /withdrawing money from your Paypal account to your BofA MyAccess checking account.

I actually found it out by chance. I called Bank of America customer service at the end of last year, and asked if they can waive my MyAcess account maintenance fee, since I am a long time Bank of America customer, and they have did this once for me for the last six month. The lady on the phone told me that she can’t do that, unless there is electronic money transfer to my account. Since she said “electronic transfer”, I asked her if Paypal transfer is OK? She said:”Yes, as long as it is electronic transfer.”

So I transferred/withdrawn $5.00 from my Paypal account to my Bank of America MyAccess checking account in the middle of January this year, and of course when January bank statement was available, I double checked the statement – the maintenance fee was waived!

I am so glad I found this out, now my Bank of America checking account is truly free and perfect! You can do the same to get your monthly bank maintenance fee waived with a Paypal transfer.

Please Note: right now if you open a new MyAccess checking account at Bank of America website, you can open a free MyAcess checking account, meaning it’s free even you don’t have direct deposit. (I even considered this option or opening an free checking account at Wahu) However, it is only going to be for the promotion period, first 6 – 12 months. I know this because I asked the customer service lady during the call. I asked if it’s only for a period of time, and she said yes.

AT&T is hiring Work at Home Customer Specialist

This is a very good work at home job opportunity, in my opinion.

This is not an Independent Contractor job, it’s an employee job with paid training, competitive salary, health benefits (medial and dental) and paid vacation.

Hope more Fortune 500 companies start offering work at home job positions.

Apply Here and learn the detail of of this job.

GTP Overview – Paid Surveys, Paid Offers and Paid Emails

GPT stands for Get Paid To. GPTs are relative easy ways to make extra money. Such as:

Get Paid To do Paid Online Surveys

Paid online surveys is a great way to make extra money, it’s easy and free. There are a good number of legitimate market research companies will pay you for your time and opinions. To be successful on making money with paid surveys, the key is to sign up with real legitimate market research/paid survey companies. Depends on your demographic, you can make between $100 – $500 a month doing paid surveys. I personally make average $200/month and spend an hour/day. MySurvey123.com is an excellent resource to learn paid surveys – It provides the best FREE paid survey lists, paid survey guides and honest paid survey reviews.

Get Paid To do Paid Offers

Here is how it works – you join a paid offer site, and shop or sign up various (free and/or non-free) offers through them. The paid offer sites earn commissions from the merchants, and you get paid by the paid offer sites. This is a win-win situations – you and paid offer sites both make money! Cash Crate is one of the best paid offer sites. They have lot of offers, including many 100% free offers, a open forum where members share experience and tips. They also have a good referral system. Make sure you use a separate email just for them, since when you sign up with those free offers (usually just take a survey), you will get lot of spam emails.

Get Paid To Read/Click Emails (ads)

Here is how it work: you join a Get Paid To Paid Email site, usually giving them your name and email, the Paid Email site delivers ads to your email box, and you click on the link in the email to visit the advertisers’ website – so you are actually get paid to view ads! Usually you get paid cash or points for reading and clicking. Most of those sites also offer other ways to get paid such paid offers and daily surveys. The best paid emails sites are MyPoints , InboxDollars and Hits4Pay. Those three sites have high paying emails, daily surveys as well as paid offers.

The above three are major ONLINE GPTs, there are a couple of Offline GPTs that can also bring you some extra money:

1. Get Paid To Drive – There are companies are willing to pay you for just driving around with their ads on the car you drive. Some even willing to give you a free car. However, you must drive a LOT. Honestly this opportunity sounds pretty good if you drive hundreds of miles a day, but it’s not for me, because there is no way I will drive enough miles to get hired. Recently I came across a pretty good company, called Miles of Marketing – they only accept moms who have kids, and they don’t have high driving mileage requirement (they expect you drive average 20-35 miles a day), and they pay pretty good (usually $100 for a 2 weeks project).

2. Get Paid To do Mystery Shopping – Similar to paid surveys, you can get paid to shop and eat as a mystery shopper. Serious shoppers can make $300 a month or even more, but you need to sign up with quite some legitimate mystery shopping companies. Remember be cautious with mystery shopping scams – those scammers usually ask you to process/return a check, and don’t fall for it!  Here is a huge list of mystery shopping companies – start with the good ones and sign up with more gradually.

Please note Get Paid To (s) (GPT)s are just ways of making EXTRA money, not a substitute of a job, and won’t make you rich or even enough to pay bills . However, they are GOOD extras to supplement your income and of course the extra cash can be very handy.  I will have more posts on Paid Surveys, Paid Offers and Paid Emails since you can make money ONLINE with those GPTs.

Legal Transcription Jobs

Legal transcription job market is unique and there is little competition and plenty of jobs. Legal transcriptionists are widely used by large corporations, private practice attorneys, governmental departments (such as court system), insurance companies and banks that all have a need for more accurate legal records.

Legal transcriptionists listen to dictations, such as count hearings, testimonies, interrogations and pleadings, and type them into documents that are edited and turn them into easily understood records. Those records are extremely useful for lawyers for research purpose and to win a case.

While looking for legal transcriptionists, many companies require individuals to have a strong working knowledge of legal procedures and terminology, these skills are necessary in addition to the skills required for general transcription, and usually companies prefer the individuals who have prior experience in the legal field.

If you want to become a legal transcriptionist, but have no prior experience in both legal and transcription fields, you might want to get into general transcription first, at the mean time get legal transcription training (which is preferred by many employers) to prepare you for legal transcription work.

Regarding training, many community colleges offer associate degree or certification courses in legal transcription. In addition to college course, many employers will allow individuals to train on the job. While working as a general transcriptionist, you can express your interest in legal transcription, and you might get such training opportunity and eventually get into legal transcription.

Here are some companies that offer legal transcription jobs (and general transcription jobs):

CyberDictate cyberdictate.com
Neal R. Gross nealrgross.com
SpeakWrite speak-write.com
TASK Document Services usetask.com
Ubiqus – ubiqus.com

Suze Orman’s Top 10 list

As usual, I watched Suze Orman show tonight. At the beginning of the show, Suze mentioned the top 10 things you can do to make the most of your money in the year 2008:

1. Try to get out of credit card debt – I am not surprise this is the #1. 🙂 My credit card has balance at 0% for life, so no hurry on that.

2. Save 6 – 8 months of emergency funds – I am not sure I can save that much, but I will try.

3. Contribute to 401K up to the company match point (if company match), open an Roth IRA – No 401K, but have Roth IRA set up by Hubby. Hubby will also take care of contributation.

4. Buy a house if have money (with at least 10% – 20% down, and 30/15 year fixed interested loan) – already own house, can’t refinance in 2 years.

5. Never co-sign a loan with anyone (except spouse?) – sure.

6. Annuity: don’t buy variable annuity, and don’t invest it in a retirment account. Simple fixed rate annuity is ok. – will do more research on annuity.

7. Buy individual bonds, not bond funds. –will do more research on bonds.

8. Get a Will and revocable living trust – I think this has been taken care of, but have to check to make sure. – will do more research on will and living trust.

9. Term life insurance only – if you need to have life insurance, get term life insurance. should get this done this year.

10. Invest in no load mutual funds which is no expense to buy and sell, stock diversified. – Not sure about this one. – will do more research on no load mutual fund.

Suze’t best selling books:

Women & Money: Owning the Power to Control Your Destiny
The 9 Steps to Financial Freedom: Practical and Spiritual Steps So You Can Stop Worrying
The Road to Wealth: A Comprehensive Guide to Your Money
The Money Book for the Young, Fabulous & Broke

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General Transcription – How do I start?

Ready to enter the field of general transcription? Here are something you need to know.

What kind of work does a general transcriptionist do?

General transcription work could include but not limited to: Interviews, business meetings, conference calls, focus groups, press briefings, radio shows, video shows, panel discussions, seminars, lectures and speech etc.

Who would use general transcription services?

Many businesses and professions use general transcription services, such as: government, insurance companies, financial professionals, teachers, students, marketing researchers, professors and other general businesses and corporations.

How do I get started if I have no experience?

Fortunately there are some transcription companies will hire workers with no experience. However, you still need to have the required skills I mentioned in my last post (Transcription Job overview), and practice and be prepared to take transcription tests which could include transcribing a short audio, grammar and punctuation tests.

Please remember how fast you do a certain transcription job depends on the quality of the audio, how familiar you are with the audio material subject, your listening skill, your grammar, proofreading and editing skills. Another point is since audio sujects vary greatly, if you have a basic knowledge of a wide varity of topics, you probably will find the job much easier.

Following are some resource you can use to test and improve your skills:

  • Sample audio test: here is a a good audio sample test: http://www.freelancetranscriber.com/transcriptiontest.pdf
  • Practice audio: do a google search for “free podcasts”. Podcasts are usually crystal clear audio and short, and you will have a variety of topics to choose from.
  • Grammar: grammarbook.com (the blue book of grammar)
  • Typing: although typing skills is not essential, a few companies do require minimum speed. Following are some free typing test and practice sites:

learn2type.com
testmytyping.com
typingtest.com

There is no formal training for general transcription, it is just a matter of getting your foot in the door and doing it regularly to build your speed. There are companies that willing to hire with no experience, such as TigerFish and AccuTran. TigerFish even have their test posted on their website. You can also check your local transcription companies and craigslist looking for temporary assignments that will give you the experience to apply for other companies later.

Here is a few good companies that offer general transcription jobs:

Accutran – accutranglobal.com
Cambridge Transcription ctran.com
Domenichelli Business Services moderndayscribe.com
Escriptionist – escriptionist.com
Morningside Partners, LLC – fdch.com
Mountain West Processing mountainwestprocessing.com
Net Transcripts – nettranscripts.com
Rapidtext rapidtext.com
SpeakWrite speak-write.com
Tigerfish tigerfish.com
The Transcription Company transcripts.net
Ubiqus ubiqus.com

Transcription job overview

What is transcription? Transcription is the process of creating written text from recorded or live audio. It’s a manual act of typing the spoken word, from any audio format, to paper or computer file. Quality and efficient transcription service is very much needed in many businesses and professions.

There are three type of transcription – General Transcription, Legal Transcription and Medical Transcription.

Skills required for all three transcription work:

1. Above average knowledge of English grammar and punctuation;

2. Excellent listening skills, allowing the transcriptionist to interpret sounds almost simultaneously with keyboarding;

3. Advanced proofreading and editing skills, ensuring accuracy of transcribed material;

4. Versatility in use of transcription equipment and computers, since transcriptionists may work in a variety of settings;

5. Highly developed analytical skills, employing deductive reasoning to convert sounds into meaningful form;

6. Good typing skills.

General transcription: there is no specific training for general transcription.

Legal transcription: previous legal experience is usually required;

Medical transcription: formal training/course from a reputable medical transcription school is required.

Transcription is a great work from home option, since most transcription companies allow their qualified transcriptionists to telecommute. If you have good skills of typing, listening, English grammar and language, you might want to give it a try. I will be exploring the above three transcription jobs in the later posts, so stay tuned!

Home safety tips for baby

Dangers in the home are the leading cause of accidental injury and death for children ages 6 months to 16 years. Babies will get into everything! Look for dangers and child proof in advance.

Take some time to go through your entire home. Get a kid’s eye view and look at potential dangers through a different perspective. If something stands out as a potential danger – fix it immediately!

Let’s start…

1. Unplug all electrical appliances each time you use them, and never leave cords within baby’s reach. Tape them or coil them up;

2. Keep baby away from all plastic bags, which includes (not limited to) sandwich bags and plastic food wrap;

3. Stick plastic plug protectors in all electrical outlets;

4. Install plastic safety latches in drawers and cabinets;

5. Put plastic corner guards on your tables;

6. Install safety gates at the top and bottom of every stairway, you also might needs gates for rooms that don’t have doors;

7. Put all matches out of child’s reach, remove all ashtrays, cigarettes and cigars;

8. Keep baby away from the fireplace;

9. Make sure all household cleaning products out of child’s reach;

10. Check under your sinks, the broom closet, garage and basement. Read product labels. If you see the word WARNINg, keep it locked up or well out of baby’s reach;

11. Teach your baby to never touch the stove, weather it’s turned on or not – say “HOT”, keep pan handles turned inward and keep hot dishes away from baby;

12. Keep any knives, other sharp objects and hot food beverages and glassware out of baby reach.

13. When your baby is in his carrier, always leave the carrier on the foloor not on a counter or table;

14. The safest place for the safety seat in a car is in the middle of the back seat;

15. Always buckle the safety belt when your baby is in a high chair or carrier;

16. Do not place your baby or child’s safety seat in front of an air bag;

17. Throw out whatever you don’t need anymore in your medicne cabinet. Store what you keep up high, so baby can’t reach it;

18. Babies put everything in their mouths. Always be on the lookout for things that should NOT go in the baby’s mouth;

19. Never leave your baby alone in the kitchen, in the bathtub, by the fireplace, outside, in the car, with a stranger, with pets or young children;

20. Finally, keep these number handy: Poison Control Center, Fire Department, 911 and police department, baby’s health provider.

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Work at home – Data Entry Jobs

Data entry jobs are very popular work at home opportunities, because they are more flexible compare to customer service phone works. However, a legitimate, reliable and long term (either full time or part time) data entry job is very hard to come by.

Data entry jobs usually require you have good typing skills. Most jobs require you to be able to type between 15K – 20K with 97% accuracy.

Due to it’s high popularity, there are many data entry scams on the web – websites claim they have data entry jobs but you have to pay a membership fee to access the information, or a data entry “job” offer but you need to pay a fee for training material. Those are scams, do NOT fall for it and waste your time and money!

So, how do you find legitimate data entry jobs? – Apply and send your resume to the legitimate data entry companies, most likely they are not hiring and your will be put on their waiting lists. It could be a very long waiting period, some people waited for 2 years to get a data entry job from those companies.

You can also search craigslist or freelancing sites like Elance.com and Guru.com, you might able to find short term temporary data entry assignments, but remember do so with caution and common sense (especially while searching craigslist.)

If you type really fast, and have good listening and English language skills, you might consider other options such as general transcription jobs.

Below are the legitimate companies offer data entry jobs, none of them charge you a fee, which is the way suppose to be.

  1. DionData
  2. Axion Data Services
  3. Key for Cash
  4. Working Solutions (WSOL)
  5. Data Preparation International

[tags]data entry job, work at home, work from home scams, data entry scams[/tags]

Perfect Husband

I read this at a work at home forum, have to write it down. 🙂

Several men are in the locker room of a golf club. A cell phone on a Bench rings and a man engages the hands-free speaker- function and Begins to talk. Everyone else in the room stops to listen.

MAN: “Hello”

WOMAN: “Honey, it’s me. Are you at the club?”

MAN: “Yes.”

WOMAN: “I’m at the mall now and found this beautiful leather coat. It’s only $1,000. Is it OK if I buy it?”

MAN: “Sure, go ahead if you like it that much.”

WOMAN: “I also stopped by the Mercedes dealership and saw the new 2007 models. I saw one I really liked.”

MAN: “How much?”

WOMAN: “$65,000.”

MAN: “OK, but for that price I want it with all the options.”

WOMAN: “Great! Oh, and one more thing. The house we wanted last year is back on the market. They’re asking $950,000.”

MAN: “Well, then go ahead and give them an offer, but just offer $900,000..”

WOMAN: “OK. I’ll see you later! I love you!”

MAN: “Bye, I love you, too.”

The man hangs up. The other men in the locker room are looking at him in astonishment.

Then he smiles and asks: “Anyone know whose phone this is?”