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22 Avr 2016 
Introduction:

For years before the show Extreme Couponing was a big hit, I have taught coupon classes in the community. Over the years, people asked me if I would teach them how to teach a class on this subject. I will share my tips with you now, so that those of you who want to share your knowledge of saving money with coupons can teach others.

First, decide what your goal will be. Do you want to share your information with family and friends only? Or do you want to make money from giving formal classes? Here are 2 lists of where you can teach:

* For Fun: your own home, your friend's or neighbor's homes, at a church, a library, a Mom's Club, a MOPS Club, a La Leche League Group, a school as a program for parents.

* For Profit: An Adult Education Enrichment Program, rent a community center and offer a class to the public, a state or government agency that will pay you as an expert, a locally owned grocery store, online.

Whether or not you want to make money at this is up to you. Some people feel so blessed by knowing how to save a lot of money with coupons that they share their knowledge for free. Others use coupons out of necessity, and teaching a class can be an extra way to earn money for their family.

Where to advertise: newspapers, church bulletins, library bulletin boards, post fliers on public bulletin boards, at the information desk or office of where you are going to teach, send emails out to everyone you know and ask them to share the info. with everyone they know, use Evite to send online invitations.

Getting organized: I find it helpful to have a set program in mind and to follow it for each class I do. I spend about an hour at home before each class getting prepared. I bring with me:

Store fliers, manufacturer's coupons, my coupon holder, 12 - 15 items I have gotten good deals on, 1 bonus prize, a list of tips printed out for each person, a printed list of online sources for coupons.

Here's how my class is set up:

Introduction: I usually introduce myself and tell a little about my family...how many members, that I love shopping and saving money, etc.

Game, Part 1: Before class starts, I have set out a group of approximately 12 - 15 products down the middle of the table around which everyone will sit. I put them in order on a list I have already made up. On the list, I number each item and write it's name, then I write how much it was originally, how much it was on sale for, what the coupon amount was, and what my total cost was.

After my brief introduction, I give everyone a lined piece of notebook paper. I ask them to number their paper from 1 to 12/15, and then as I name the product and tell the original price, I want them to write down their guess as to what I paid for it. I state the name of the product, and what the original store price was ( before the sale and coupon). At the end of their list when they have all their guesses written down, I ask them to write what they think I paid in total for all the products. Some people add up all their guesses, others just write a value. I ask them to write a number value, not just the word "free".

Then I tell them to put their answers aside for now, and I hand out the tips sheet.

Teaching the steps and sharing stories/products:

Everyone gets an outline of what we will go over. The outline is a series of tips, with just the title of each tip typed, so they have to take notes, and not get bored just reading what you already wrote. Here are a list of tips you may want to use, but by all means, use the tips that work best for you. I have 21 on my list.

* Buy at least one Sunday paper each week ( or the paper for whatever day the coupons are in).

*Cut and file all coupons from each Sunday in a coupon container.

* Have a large variety of sections in your coupon holder so you can find things quickly.

* Read all store fliers for the stores you will be able to go to.

* Make a base list of all the products you normally buy in each store, and what the regular price is so you'll know if the "sale" they are advertising is worth it.

* Circle all the items in each flyer that you think is a good deal, or that you have a coupon for.

* Shop as many stores as possible.

* Try to shop when the stores are less busy so you won't hold up lines with a lot of coupons and things that can go wrong.

* Always bring your coupons with you to the store.

* Write a list for each store.

* Compare the sales to your coupons.

* Beware of store displays on end caps of the aisles that make you think items are on sale when they really aren't.

*Pull coupons for each store and put them with your list in an envelope for that store.

*Use a coupon and a sale combined whenever possible.

*Stock up to save.

* Be willing to try many different brands so you can take advantage of every product on sale.

*Build extra shelves, use a spare room, closet, garage, etc. to store your stockpile.

* Items go on sale in a cycle about every 6 weeks.

*Share coupons with friends, neighbors, church friends, and ask them to save theirs for you.

*Go online to get coupons.

*Get the latest apps like ibotta to save even more.

* Make sure you have a store card for every store you go to.

* Know the store policy for each store you shop at so you're not embarrassed if you get to the cash register and they tell you you're breaking the rules.

*Become friendly with cashiers and store managers so if there is a store policy problem at some point, they will trust that you weren't trying to take advantage of the store, system or cashier.

* Don't get greedy and clear the shelves or argue with cashiers because it ruins coupons for everyone else.

* If you can get items free or for pennies, get them and donate to charity. This is a great example to set for your children.

* Keep track of how much money you save each week, and then total it up at the end of the year so you can see how your hard work paid off.

Bring props so as you got through the tips, you can show them what you mean.Bring coupon fliers so those that are new know what you are talking about. Show them the dotted lines of the coupons and the dates and remind them not to clip the bar code or date off when cutting. Bring some actual store fliers with products you have circled. Bring your coupon holder and store cards to show them. Tell stories here and there to hold their interest...like a great example of how you stocked up on a product such as Right Guard deodorant, and put it in front of you as you talk. Wow them with examples of how you got the item free and had 10 coupons so you stocked up on 10 deodorants, etc.Bring in a picture or scrapbook of your stockpile to really wow and inspire them. Bring in your coupon container or binder to show them how a real coupon queen/king does it! Make a separate list of online sources for coupons and hand that out when you get to that point.

I find it's easier for them to hold all questions till the end because there's so much information to get through, especially for beginners that you don't want to keep getting interrupted. If you stop for every question the class may drag on too long and you want to make sure everything is covered in case some people have to leave early, before the questions.

But that is just my style. You may want to address questions as they come up. The best way to do it is whatever is the most comfortable for you, and that helps get the information out to your students.



The Game, Part 2

This is the fun part. Then I go through each item, remind them of the original price, tell them what the sale price was, and my final cost.They are allowed to shout out their answer, and the first person I hear who got the right answer, gets to keep that product ( limit of 2 products per person though because some people are better at this than others and would take 5 or 6 prizes home). I throw some freebies in there of course as some of your students will have never gotten anything free. At the end I ask what they guessed for my final price. The person that gets the closest to that, gets a special prize...usually something cute that I got free or cheap with a rebate...which leads me into rebates, Walgreens Register Rewards, Rite Aid UP Rewards, CVS, etc. If there isn't time to do that, I do it as a separate class and combine it with info. on rebates.

Wrap Up: During the wrap up, I take questions, and for awhile I had a coupon group that met once per month, so I used to invite people to come to that, and to share coupons and continue learning.

Teaching a coupon class, whether it's for fun or for profit can be fun and rewarding.

Copyright by Karen Hellier, 2012.


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22 Avr 2016 
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22 Avr 2016 
WASHINGTON Apple Inc opposed a court ruling on Tuesday that ordered it to help free iphone jailbreaker the FBI break into an iPhone recovered from a San Bernardino shooter, heightening a dispute between tech companies and law enforcement over the limits of encryption.

According to prosecutors, the phone belonging to Farook ran on iOS 9.

Prosecutors said Apple could still help investigators by disabling "non-encrypted barriers that Apple has coded into its operating system."

Chief Executive Tim Cook said the court's demand threatened the security of Apple's customers and had "implications far beyond the legal case at hand." (apple.co/1Lt7ReW)

Those U.S. intelligence agencies could likely break the iPhone's encryption without Apple's involvement, he said.

Forensics expert Jonathan Zdziarski said on Tuesday that Apple might have to write custom code to comply with the order, presenting a novel question to the court about whether the government could order a private company to hack its own device.

In a similar case last year, Apple told a federal judge in New York that it was "impossible" for the company to unlock its devices that run an operating system of iOS 8 or higher.

"Apple has the exclusive technical means which would assist the government in completing its search, but has declined to provide that assistance voluntarily," prosecutors said.

U.S. government officials have warned that the expanded use of strong encryption is hindering national security and criminal investigations.

In a letter to customers posted on Apple's website, Cook said the FBI wanted the company "to build a backdoor to the iPhone" by making a new version of the iPhone operating system that would circumvent several security features.

Technology experts and privacy advocates counter that forcing U.S. companies to weaken their encryption would make private data vulnerable to hackers, undermine the security of the Internet and give a competitive advantage to companies in other countries.



Apple and Google both adopted strong default encryption in late 2014, amid growing digital privacy concerns spurred in part by the leaks from former National Security Agency contractor Edward Snowden.

"The government is asking Apple to hack our own users and undermine decades of security advancements that protect our customers - including tens of millions of American citizens - from sophisticated hackers and cybercriminals," Cook said.

He said Apple was "challenging the FBI's demands" and that it would be "in the best interest of everyone to step back and consider the implications."

Federal prosecutors requested the court order to compel Apple to assist the investigation into the Dec. 2 shooting rampage by Farook and his wife, killing 14 and injuring 22 others. The two were killed in a shootout with police.

(Reporting by Dustin Volz; Additional reporting by Joseph Menn, Dan Levine and Shivam Srivastava; Editing by Cynthia Osterman, Lisa Shumaker and Robin Paxton)



That assistance includes disabling the phone's auto-erase function, which activates after 10 consecutive unsuccessful passcode attempts, and helping investigators to submit passcode guesses electronically.



Zdziarski said that, because the San Bernardino shooting was being investigated as a terrorism case, investigators would be able to work with the NSA and the CIA on cracking the phone.

The FBI has been investigating the couple's potential communications with Islamic State and other militant groups.

Earlier on Tuesday, Judge Sheri Pym of U.S. District Court in Los Angeles said that Apple must provide "reasonable technical assistance" to investigators seeking to unlock the data on an iPhone 5C that had been owned by Syed Rizwan Farook.


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21 Avr 2016 


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