Holiday Spending Solutions

1. Avoid Department Store Offers for Instant Credit and Don't Open Up New Lines of Credit

"Would you like to save 10% today on your purchase today?". We have all been asked that question when paying for our purchases. Every store under the sun would like to offer you their own credit card. This is not good for your score. The damage to your score you'll incur by opening up a new line of credit is just not worth the few dollars you might save. Department score credit is poor quality credit and the credit scoring system frowns on it. Just don't apply for the card. You may want or need to apply for a new car loan, a new home loan, a re-finance a home loan. By applying for store credit to save a couple of dollars, you could be hurting your chance of getting an important loan at a good rate until the middle of next year.


2. Avoid Overspending

Spending affects credit. 30% of your credit score is made up of how you manage your debt, and when your credit card balances exceed 30% of their available limit, the credit scoring system red flags you and your score goes down instantly. The logic behind this is that if you suddenly max out your credit cards, it looks to the system as though you are in financial trouble. Only charge if you can pay the balance in full before the next statement date. Plus, overspending and overcharging will also cause you to carry larger balances longer. It is best to keep your balances low at all times.

3. Pay Your Bills On Time

Payment history is 35% of your credit score. One 30-day late can cost you 50 points or more. December is traditionally the busiest time of the year. Active calendars filled with work and social commitments for family and friends and the frenzy of the season can preoccupy you and cause you to be late in paying your bills. Make staying on top of your bills a priority. Put all of your bills in a file and make sure you pay them on time. In doing so, you will save points on your credit score and ridiculous late charges as much as $39 or more. Additionally, when you are late in paying your bills, you nullify any preferential finance rate and your account will default to a dramatically higher interest rate. A ding to your credit score, a high late fee, and a huge increase in interest rates are all big incentives to make sure you are on time with your bills. I recently got a call from a customer who had been late, but not 30 days late and the rate jumped on his card to over 30% annually!

4. Take the Time to Plan and Prepare Your Gift Giving

We all do it. We walk into a store ready to buy a specific item and end up getting lured into a spending vortex. Panic spending because the store does not have the item you went in to buy; deciding that if you buy this item for this person, then you have to buy this item for another person; succumbing to the temptation of the latest must-have gadget. You can prevent this well-woven retailer trap by doing your research online. By preparing before you even darken the automatic doorstep of the alluring retail establishment, you can determine where you can purchase specific items and for what price. In doing so, you can avoid the retail traps and retain control of your spending (and your sanity). Online shopping sites have grown tremendously in popularity. Traffic to those sites is up more than 30% from just last year. There is a wealth of information on the web. In fact, www.pricegrabber.com lists all of the hottest holiday items and tells you who sells them and for how much. Remember, if you pay your credit card bill prior to the statement date, it will help your scores. www.froogle.com is another great site to find the item for less.

5. Manage Your Credit Wisely

Keep track of your credit card balances and keep them as low as possible. Studies show that as consumers increase their credit card balances, they become increasingly apathetic about their balances and even about adding new debt. By tracking balances, you will maintain a sense of control over your credit score and your finances. Write out a chart of who you owe, how much you owe, and what the minimum payment is. It will help you to get a handle on your bills, and help start planning how to pay them off.

Remember that if you want to stay in touch with your family this season for a low price, contact National Access Long Distance.  We keep your long distance costs low.

Adjustable Rate Mortgage Information

Some great tips on an adjustable rate mortgage to increase your knowledge, from National Access Long Distance.

The adjustable rate mortgage is a type of loan which will be secured on a home which has an interest rate and monthly payment that will vary. The adjustable rate will transfer a portion of the interest rate from the creditor to the homeowner. The adjustable rate mortgage will often be used in situations where fixed rate loans are hard to acquire. While the borrower will be at an advantage if the interest rate falls, they will be at a disadvantage if it rises. In places like the United Kingdom, this is a very common type of mortgage, while it is not popular in other countries.

The adjustable rate mortgage is excellent for homeowners who only plan to live in their homes for about three years. The interest rate will typically be low for the first three to seven years, but will begin to fluctuate after this time. Like other mortgage options, this loan allows the homeowner to pay on the principle early, and they don't have to worry about penalties. When payments are made on the principle, it will help lower the total amount of the loan, and will reduce the time that is necessary to pay it off. Many homeowners choose to pay off the entire loan once the interest rate drops to a very low level, and this is called refinancing.

One of the disadvantages to adjustable rate mortgages is that they are often sold to people who are not experienced in dealing with them. These individuals will not pay back the loans within three to seven years, and will be subjected to fluctuating interest rates, which often rise substantially. In the US, some of these cases are tried as predatory loans. There are a number of things consumers can do to protect themselves from rising interest rates. A maximum interest rate cap can be set which will only allow interest rates to rise at a specific amount each year, or the interest rate can be locked in for a specific period of time. This will give the homeowner time to increase their income so that they can make larger payments on the principle.

The primary advantage of this loan is that it lowers the cost of borrowing money for the first few years. Homeowners will save money on monthly payments, and it is excellent for those who plan on moving into a new home within the first seven years. However, there are risks to this type of mortgage that must be understood. If the owner has problems making payments, or runs into a financial emergency, the rates will eventually rise, and the owner who cannot make payments may lose their home.

One term that you will hear lenders talking about is caps. The cap can be defined as a clause that will set the highest change possible for the interest rate of the loan. Homeowners can set up a cap on their mortgage, but they will need to make a request from the lender, as the cap may not be present on the rate sheets that are presented.

Cutting Heating Costs

With temperatures cooling, National Access Long Distance presents some tips to cut your heating costs!

Proper furnace care and smart purchases can help you reduce the high costs of heating your home. That's good news considering that energy bills-which are already historically high-are expected to continue to climb. In fact, a recent article in USA Today reported that homeowners on average will see a 25.7 percent increase in heating costs compared to a year ago.

To reduce heating costs, experts say that the energy efficiency of your furnace is extremely important. According to Jim Miller of Amana brand furnaces, "Homeowners don't have much control over the price of natural gas, but they can take steps to minimize the impact of home heating costs." He offers these tips:

1. Have Your Furnace Checked. "If you haven't already done so this year, have a licensed HVAC contractor inspect your furnace now," Miller emphasized. "He can perform a safety inspection and clean your furnace so that it runs as efficiently as possible."

2. When Buying a New Furnace, Choose High-Efficiency. A furnace's efficiency is indicated by its Annual Fuel Utilization Efficiency percentage, or "AFUE," a measurement developed by the U.S. Department of Energy. The higher a furnace's AFUE, the more efficient it is. "Furnaces older than 15 years operate at efficiencies of approximately 60% AFUE. This means that for every dollar spent on heating costs, only 60 cents actually helps warm your home, while the remaining 40 cents is wasted.

"If you were to replace that 60% AFUE furnace with a high-efficiency unit, such as the Amana brand AMV9 96% AFUE Variable-Speed Furnace, you would get 96 cents worth of warmth for every dollar you spend toward heating your home," said Miller.

He added that furnaces with a variable-speed blower are even more efficient because the blowers typically require up to 75 percent less electricity than a standard motor. In addition, a furnace's blower also works with the home's cooling system, meaning consumers experience increased efficiency year-round.

3. Investigate Tax Credits for High-Efficiency Furnace Purchases. Thanks to the Energy Policy Act of 2005 (EPACT), homeowners who purchase furnaces with an AFUE of 95% or higher in 2006 and 2007 may qualify for a tax credit of $150. And if that furnace uses a variable-speed blower, they may qualify for an additional $50 tax credit.

These tips brought to you by: National Access Long Distance!

Quality Assurance

The Communication Act and the Federal Communication Commission (FCC) hold telephone companies liable for their agents and telemarketers. At National Access Long Distance, we uphold standards of quality on telesales to avoid fraud and error by implementing a written code of compliance-based and integrity- based ethics.

In order to guarantee that a provider-switch is ethical, every call is recorded and stored. National Access Long Distance follows the FCC guidelines for telemarketers to change a customer’s long distance provider. A provider-switch must be done either by Third Party Verification (TPV) or a Letter of Agency (LOA). Our sales are triple checked to confirm that the sale is ethical, that the authorized person in charge of the account made the change, and the sale must pass both an auditory and visual check of compliance.

Third Party Verification (TPV) is recorded 3-way telephone call that connects the consumer and vender to an independent verification company.

TPV confirms a customer’s decision to switch their long-distance carrier by following eight steps after the sales representative transfers the customer to a Third Party Verification company.

1.      The verifier will ask the sales representative to state identifying information and where they are calling from, as well as, the customers’ information.

2.      Then the verifier will ask the sales representative to clear the line.

3.      The verifier will identify his or her self to the customer and then ask if it is OK if the conversation is being recorded.

4.      If yes, then the verifier clarifies the customers’ name, his/her title, address, and phone number(s), and then ask a series of questions requiring either a yes or no response. If the customer has any questions; then, verification is stopped and the customer is transferred back to the sales representative for clarification. The maximum of three times per lead. Third Party Verifiers may never answer any questions.

5.      The customer is asked to supply authorization information, such as, the month and year of their birth to verify that they are over 18 years of age.

6.      The verifier will then supply the customer with a toll-free number of the company they have authorized service with.

7.      The verifier will ask the customer if they can call them right back, just so they can confirm that they spoke to the authorized person in charge of the account.

Letter of Agency (LOA) is a detailed written or electronic letter that is used to confirm a telemarketing order. The consumer must sign the LOA and send it back for sale to be complete.

A toll-free number must be provided to the customer, so that they can confirm the switch. Tele-sales are not processed for 48 hours in order to give the customer a chance to change his or her mind.

For quality long distance contact National Access Long Distance.

7 Things to Know Before Investing

1. Know your current financial situation. Know you debts level. Calculate your income and expenses by taking into account the following:

Mortgage repayments
Personal tax
Loans and overdrafts
Living expenses
Emergency funds
Car expenses
Entertainment
Holidays
School fees
Credit card debts
Family commitments

Before you start investing your money on any investment products, you should know how much you could spare each month for investment. General rule is that, you should clear your debts first, then save and invest later. That is to say the more money you put aside now, the better it will be for your future. I would say put aside 10% of your income for rainy days. 10% is a small amount that you won't feel a pinch. Save it until you have managed to build a "dam management funds".

2. Prepare funds for dam management. This goes in line with point 1. You need to keep at least 3 to 6 months of you income as dam management. After you have managed to do that then additional money that you saved can be used to invest.

3. Protect yourself and your family first. By this point, I mean you should have the basic life insurance that insure you and your family against terminal diseases and accident. This is very important as even though you might loose all your money through investment and if you or your family members need medical attention, it will be well taken care of.

4. Know your risk level. If you are not able to take big risks, short term investment and swing trading is not for you. It's better to invest in mutual or trusts funds which will give a steady payout and have lower risk.If you are a high risk or medium risk taker, you can try invest in stocks, growth and hedge funds.

5. Diversify your investment. Expert would tell you it is a must to diversify your investment. Your investments need to have a steady mix of stocks, mutual funds and/or bonds. Beside that, your should invest in different industry and/or different regions. This will help you minimize your risk as fluctuations in the markets will not have a big impact on your investments. Your ideal mix will be 20-40% stock and the rest mutual funds and bonds.

6. Do your homework before you invest. It is good to seek expert advice. But, the money is ultimately yours. So you need to do some research and make a sound decision on what to invest even though your financial advisers might have already worked it out all for you. This is to make sure you know what you are investing and able to keep track of them. If your investments suffer loses you will be able to make a right decision whether to sell or hold if you know your stuff well.

7. Do stock take yearly if not frequently. Your investment might already be reaping in profits. But, it is good to know how well you fare at the end of the day. Reinvest the profits and celebrate if you have success. This will serve as motivations for you and will make you more determined to achieve your financial goals.

Brought to you by: National Access Long Distance

Copyright 2006 Jason Chew

Shopping for Credit-Tips

Find the best credit card for shopping this holiday with these great tips!

As much as the credit industry has changed in the last couple of years, the most important advice when shopping for credit has remained the same throughout the period. And that is, if you want to give yourself the very best chances of getting the best credit deals that are open to you, then you have to shop around.

Finding Credit Online

The good news is that the Internet has made this shopping around a lot easier in recent years. There are many websites now that specialize completely in finding you the best credit deals available. They compare all the offers from a wide range of lenders and guide you to exactly the offers that suit you most. In many cases you can apply or get a quote right there on the website and therefore you can do all your research, and shopping around, in a fraction of the time it used to take before the Internet was widely used.

Always Ask For The APR

Another development that has come about in recent years, and has really made shopping for credit a lot easier and more effective, is the introduction of rules regulating the calculation of APR.

APR, standing for annual percentage rate, is a fixed formula that by law, all lenders must use when they calculate the cost of a loan that they provide to you. This means that you can ask all lenders for their APR and they will have much less scope to hide their true costs and extra charges. They will have to give you the APR and you can take this with you and compare it to all the other APRs on the market.

Having Credit is Essential

Shopping for credit has become all the more important in recent years as credit has become more important. These days, there are many situations in which the only way to pay for a good or service is by credit card. Booking a hotel abroad, or shopping online, or even renting a car, are all impossible unless you have access to credit cards. Therefore, as the circumstances in which you need to use the cards have increased, the importance of being able to find the very best deals when you are shopping for credit has also increased.

These great tips brought to you by National Access Long Distance.

Foreclosure Shopping

With the biggest shopping day of the year coming up, we wanted to give you a different kind of shopping tip on a potential future house.

In Many Cases, The Lender Or Agency Simply Wants To Get Rid Of Foreclosure Bank Owned Properties Quickly – Even If It Means Selling At A Low Price
Upkeep of foreclosure bank owned properties costs more than selling them cheap. Whether you are a homebuyer or a foreclosure homes investor, foreclosure bank owned properties allow you to buy properties at a fraction of their market value. Lenders aren't chartered to own and manage property, so they face close scrutiny and pressure from state and federal regulators to dispose of foreclosed properties quickly - especially if they're on a regulator's "watch list".

The second reason why foreclosure bank owned properties are sold at below market value has to do with their condition. And because they're dealing directly with the bank they can eliminate the 6 percent sales commission if they act fast - before the bank lists the property with a real estate agent. Bank foreclosed homes are sought out by investors because of their profit potential.

In many cases, the lender or agency simply wants to get rid of foreclosure bank owned properties quickly – even if it means selling at a low price. Foreclosure bank owned properties are an excellent opportunity for anyone who wants to save money on their next real estate purchase. It is not uncommon to find bank foreclosed homes sold at prices much lower than their market value.

Foreclosure bank owned properties are priced at up to 5% to 50% off their market value, simply because of the way you can buy and sell foreclosure bank owned properties. It is possible to gain a nice return on your investment when you invest in bank foreclosed homes. Foreclosure bank owned properties are homes that have been repossessed by a government agency or lender due to non-payment of the mortgage. When their REO departments are loaded with foreclosures, investors are able to finagle below-market interest rates with little or no cash down.

When A Homeowner Cannot Pay The Mortgage For A Few Months At A Time, The Bank Will Initiate Foreclosure Proceedings Against The Owner
In order to get the best deals on foreclosure bank owned properties, you need to be prepared and shop wisely. The owner will be anxious to sell to avoid having a foreclosure as a black mark on their credit report. Bank foreclosed homes are homes that are owned by banks or other lending institutions because of the lender having foreclosed on the property. Once you find some foreclosure bank owned properties you like, though, you still need to research.

Researching foreclosure bank owned properties can help you tell the deals from the duds. After the foreclosure is final, the bank foreclosed home will be offered for sale, either directly by the bank, or through real estate auctions. When a homeowner cannot pay the mortgage for a few months at a time, the bank will initiate foreclosure proceedings against the owner.

You cannot let emotions rule your purchase, and you cannot assume that all foreclosure bank owned properties are sold at below market value. If the property has accumulated enough equity, the investor will make a very nice profit. What Are Bank Foreclosed Homes?

Bank Foreclosed Homes Auctions
Bank Foreclosed Homes Auctions. For each home you consider, determine your closing costs, actual house costs, incidental costs, and financing costs. Sometimes the bank foreclosed homes will be sold at real estate auctions.

Once you calculate the cost of any repairs needed, add it to the total cost of the property. Remember to account for the time that it will take to repair the bank foreclosed home.

This approach means that you wouldn't reimburse them for any accumulated charges such as interest, late charges, foreclosure fees, legal fees, nor any advances they might have made toward senior loans, property taxes, insurance. Sometimes an inspection is not possible, so you should only make bids that leave a nice margin for any unknown repairs. Get a market value for the home and an estimate for the repairs that need to be done.

To figure the number of loan payments made, start when the deed of trust recorded and end with the delinquency date that's listed on the recorded Notice of Default. On the other hand, if you do it carelessly, you could end up paying a lot more for the bank foreclosed home than it is worth. Hiring a professional assessor and inspector to examine the property for you.

Find out how much homes in the same neighborhood sell for as well. At the most, you shouldn't pay the bank any more for their equity in the property than what they originally lent on it minus the payments that were actually made on the loan.

If You Are Looking For An Investment, Make Sure That You Will Get At Least 15% Or More In Profit Through Renting Or Selling, And Remember That Many Foreclosure Bank Owned Properties Allow You To Earn More On Your Investment
An important aspect of investing in bank foreclosed homes is having good listings so that you can get to the properties before they are gone. Good bank foreclosed homes do not stay in the market long.

If you are seeking a home, look for foreclosure bank owned properties in areas you would like to live that have the amenities you want. A better use of your time and money is to sign up with an online bank foreclosed homes listings service.

Whether you are looking for foreclosure bank owned properties that are investments or a home will determine which foreclosure bank owned properties are deals for you. These foreclosure bank owned properties you are considering should save you money on your home so that you can enjoy equity fast. If you are looking for an investment, make sure that you will get at least 15% or more in profit through renting or selling, and remember that many foreclosure bank owned properties allow you to earn more on your investment.

Bank Foreclosed Homes Listings. Buying up lenders' REO's (real estate owned) is a workable approach when it's a Buyer's market and lenders have lots of REO's they are anxious to get rid of. Finally, insist that the lender provide you with all the customary buyer safeguards such as escrow, title insurance, homeowner's warranty, termite clearance. You can get bank foreclosed homes listings from courthouses, lending institutions, government agencies.

And Lender Deals Typically Include Title Insurance, Which Removes Much Of The Risk That Accompanies Buying Homes Earlier In The Foreclosure Process
If the property fails to sell at auction, or if the lender ends up as the highest bidder, the home becomes REO, or "real estate owned" by the bank. Often these homes are sold to buyers who don't even know they are buying a foreclosure, and go through the entire process as they would with any other home. And lender deals typically include title insurance, which removes much of the risk that accompanies buying homes earlier in the foreclosure process.

Don't forget to set up your new house with a great long distance plan from National Access Long Distance.

Money Saving Tips for the Homeowner

As the holidays quickly approach, we will continue providing you with money tips from National Access Long Distance.

Losing weight. Finding a new job. Spending more time with the family. A new year means setting new goals. Why not make saving money one of them?

If you're a homeowner, there are many ways you can cut costs and still live comfortably. The following tips will help lead you to financial success.

* First, set a budget. Figure out exactly how much you spend on the upkeep of your home. Compare each month's expenses with the previous month's to get a better idea of how much to budget for each necessity. Then, see what costs you can cut. Once you set a budget, stick to it.

* Save energy. You might be losing a substantial amount of energy dollars during the winter and summer because of air leaks. By caulking, sealing and weather-stripping all cracks and openings, you can save 10 percent or more on your energy bill.

Also, look into replacing older appliances with newer, more energy-efficient alternatives. Your light bulbs can make a difference, too. Fluorescent bulbs are four times more energy efficient than incandescent bulbs. 

* Refinance. Shop around to see if you can replace your existing home loan with one that has a lower interest rate. You can easily save hundreds of dollars each month by refinancing your home.

* Purchase a home warranty. Most homeowners don't account for possible repairs in their annual budget. There is a 68 percent likelihood of a home system or appliance failure in a given year. The average replacement cost of one of these systems or appliances is $1,085. A home warranty is your best defense against unexpected and costly repairs to your home's appliances and mechanical systems.

The American Home Shield Home Warranty, for example, ensures you get the best possible service through the company's network of pre-screened technicians. The minute something breaks down, you can contact American Home Shield and a local service technician will schedule an appointment that fits your schedule. The warranty covers a multitude of household systems and appliances, regardless of age.

The American Home Shield Home Warranty is a one-year contract that requires no home inspection to enroll. Several affordable plans are available to fit every budget.

Remember!  Save money also with the low rates on long distance from National Access Long Distance!

Balancing your Budget and Saving Money

Your finances are your business. But unfortunately it seems like you need an accountant to help you understand and decode the mysteries of balancing a budget or saving money. At some point you might need to get a loan. When that day comes, this article can help you understand which is the right one to get.

An unsecured loan is simply a loan you get based on your good name and your credit rating. Often the interest rates are higher on an unsecured loan than on a secured loan because the risk is higher to the lending institution. If, for some reason, you are unable to pay back the loan and the lending institution does not get any money back. However, your good name and your credit rating are potentially ruined.

On the other hand, a secured load is a low you get when you put up some assets. The advantage of a secured loan is that you often get more money at a lower interest rate for longer repayment period that you would with an unsecured loan. This is because you have some assets to backup your loan. The lending institution prefers this kind of loan because if you find yourself unable to make payments, they can see your assets as an alternative form of payment. Because the risk to them is diminished they are able to provide you with more attractive loans at a better rate.

You might think of a mortgage as a secured loan. The bank lends you money to buy a home and they use the home as a way to back up the loan. If you do not make your mortgage payments, the bank can seize your house.

Or you can think of a secured loan as a pawn shop that lends you the money you want but lets you still use the goods you pawned!

So which one is the right one for you? It’s a tough decision to make. In most cases, a secured loan will get you a better rate, so you just might prefer that.

However, perhaps you don’t have any assets available, or you don’t want to risk the seizure of certain assets if you are unable to make payments. In this case, you just might not mind paying a little more for the benefit of having an unsecured loan.

Both unsecured and secured loans are good options to have when you are doing your financial planning. You can use them to consolidate your outstanding bills, leverage your home investments, or get the things you need and want. And, with the choices between unsecured and secured loans, you have the benefit of being in total control of your financial destiny!

Saving money is hard and we know this!  We want to help you save money with great long distance rates for your landline.  Contact National Access Long Distance today to save money on your long distance bill.  

8 Tips for Home Insurance

No one likes paying for home insurance, but it's a necessary evil for most of us. This doesn't mean you have to pay through the nose for it though - try these 8 easy tips for cheaper home insurance from National Access Long Distance and see how much you could reduce your premiums by.

- Shop Around

By comparing prices from several insurance companies, you'll probably be able to reduce your premiums by a substantial amount. This may seem obvious, but research has shown that a surprisingly large proportion of people either just renew their current policy, or get only one or two quotes. Many insurance web sites will automatically compare dozens of policies for you, making this one of the easiest ways to reduce your insurance bill.

- Buy online

If you buy your policy online you can often get a discount of up to 20% on normal prices, because there are less administration costs involved and the savings can be passed on to you.

- Combine your buildings and contents policies

Many insurers will give you a discount if you take out both types of home insurance with them, and this usually works out cheaper than getting the two kinds of policies from different companies.

- Pay upfront

Although most insurers let you pay your premium in monthly instalments, many will charge interest for this. If you can afford to pay a full year's premium in advance, then this will work out cheaper in the long run.

- Don't claim for small amounts

Making many small claims can increase your insurance costs, as your insurer may see you as a greater risk and increase your premiums. You will also lose any no claims discount your policy has. Of course, you're entitled to claim for anything your policy covers, but ask yourself if making a small claim is really worth the hassle and possible future costs.

- Voluntary excess

This is related to the last point. Insurance policies feature something known as 'excess', which basically means that the policy won't pay out on claims below a certain value. On some policies, if you choose to raise your excess to a higher level, then your premiums will be lower.

- Increase your home security

Beefing up your home security with better door locks, window locks, outdoor lighting, and alarm systems can all result in lower premiums. Ask your insurer what you could do to get extra discounts.

- Reduce your cover

Many policies feature benefits that you might not need, such as cover for personal possessions while travelling, or 'free' legal advice. Look through your policy and see what parts of it you really need - by cutting your cover down to size you may be able to reduce your premium.

Contact National Access Long Distance to save money on your long distance bill today!

Your Service, Your Choice

          Have you ever had to make a choice on which phone company to go with?  Have you ever wondered how you even have that choice?  You may have heard of it.  It’s called deregulation.  Deregulation broke up big monopolies where one company gave customers one choice on one kind of service for their utilities, even the telecommunications.  The telecommunications act of 1996 opened up doors where customers had the choice of providers, advanced services, and competitive prices.  Deregulation was great for the marketplace and consumers alike and as you read on you will explore why.

          First of all deregulation gave customers the choice of providers.  This is great because a customer does not have to settle with one type of service.  If a customer is not satisfied with a provider in any way they have the right to shop around.  For this reason it forces companies to stay competitive and strive for higher quality assurance.  This is greatly beneficial to the customer and insures they have greater experiences with their chosen provider.

          Another great outcome of deregulation is the advanced services and technology that has become available.  Before when big companies controlled everything in their market it left little or no room for anyone or anything else.  For example, before the bell companies were forced to divest they controlled everything down to the actual phone in the house.  They would rent this out to the customers and not allow them to alter or change it in any way.  This hindered the creation of the answering machine and fax machine as well as the evolution of the technology that we have today.  Deregulation has helped clear the way for the advanced services we have today.

          Last and probably most importantly deregulation has forced companies to price competitively.  With most utilities the product is the same and a company must distinguish itself by its service and pricing.  It is simple to see that a company with better service at lower rates will gain more customers.  This competitive pricing leaves you with better service for less.

          Deregulated utilities are great and beneficial to all of us.  Remember the next time you are looking around for a utility company it was deregulation that made the choice of providers, advanced services, and competitive prices available for you.  For more information on saving money on your long distance bill contact National Access Long Distance. 

Things to Remember when Renewing your Home Contents and Home Buildings Insurance

At National Access Long Distance we go above and beyond to make sure you are getting a great rate on your long distance.  Make sure you are also being smart with your money on your home contents and buildings insurance with these facts.

Each year when our renewal notices come through the post for our home contents insurance and/or home buildings insurance, most of us automatically sign the form and send it back to the insurance company – after all, we already know how much the premiums are going to be.  Big financial mistake, and here are 4 reasons why:

Did You Buy Anything New In The Last Year?

If you bought anything new in the last year, say a new television or video recorder, then the value of this new purchase will not be included in the renewal notice you just sent off to the insurance company.  Likewise, if you sold anything of value over the last year, and have not informed the insurance company, then you are paying home contents insurance for something you no longer own.  Either way, your not paying the right amount of insurance premiums.

Did The Costs Stay Static?

If you have home contents insurance then you are insuring your personal property for the replacement cost of buying the same thing new.  On the other hand, part of your home buildings insurance should cover the cost of labor and materials.  Now ask yourself, would the cost of replacing the picture hanging in your living room be the same today as it was last year?  If the answer is that it would cost you more, tough luck, you’ll only get paid out what you said the cost of replacing it would be!  The same can be said of your friendly builder, would he charge you the same for an hour of his time and for his materials today as he would have done last year?  If the answer here is no, then you should be expecting to pay him the difference.

Did The Value Of Your Home Stay The Same?

Similar to the above, with your home buildings insurance you need to be asking yourself whether or not the value of your home stayed the same this year as it was last year?  You need to be asking yourself this question even if you didn’t do any work to the house – such as building an extension – that would naturally automatically add value to your home.

Is Your House Any Safer Today?

Here the question is, have you done anything to your house over the last year that would mean your home would be considered safer today than last year?  For example, did you add any deadlocks to your doors or windows?  If so, then there’s a very good chance your home contents insurance premium would be reduced, as the security in your house is a major consideration in assessing your premium (along with the crime rate in your neighborhood, so you may also want to check and see if this has gone up or down also).

Keep in mind that time stands still for no man.  As such, you need to read your home contents insurance and/or home buildings insurance renewal notices very carefully to make sure that they reflect, as accurately as possible, your life today and not your life of yester-year.

To save money on your long distance bill contact us today!  Visit us at www.na-ld.com.

Financial Planning For Retirement: For Worry-Free Retirement

Planning can be a tedious activity especially if you are planning for retirement. Many people realize how advantageous financial planning for retirement can be while others find it mysterious.

In fact, most experts say that for people who are only making enough money to make due payments in each month, then it means that they should start contemplating on how they can still make money even if they are already retired.

Surveys show that almost 75% of the American population is earning enough money to pay their monthly bills. This means that they do not have any extra money to put in a bank or in any financial institution that could provide them enough profit after their retirement.

What's more Social Security is not enough guaranteed income for retired people to live on. Actually, it is still a big question if one’s Social Security will still exist when the retirement day comes.

Hence, it is extremely important to generate some methods that will provide an individual a reasonable amount of money in the future. This should be done regardless of how much an individual earns, the important thing is to start saving today.

1. Visualize and calculate

It is important for a person to visualize his or her own situation after retirement. Then, you can calculate how much money is needed to live on after retirement. Furthermore, people need earnings that compensate 75% of the present amount that he or she is expected to take home.

2. It is important to seek the help of a financial planner or any person competent in financial planning.

By asking for advice from the experts, you will be able to gain more knowledge know how to proceed for you situation. These people are proficient and knowledgeable in all kinds of financial planning and they can provide the most feasible and workable approach for your individual needs.

3. Get rid of loans, debts, and other financial obligations in as little time as possible.

By simply paying off all debts, loans, and other financial obligations in a shorter period of time, you can realize a substantial amount to invest for that retirement. A good financial planner will know exactly how to direct you so you can meet your retirement goals.

Plan for your future with your landline.  The landline is a great way to communicate with keeping your finances in mind.  Save money on your long distance bill with National Access Long Distance.

Peace of Mind for the Parent

            Parents always worry more than their children in college about safety and security. One way a caring parent can provide an added layer of protection while their child is way at school is by providing a landline for emergencies.

            The world we live in is fraught with dangers. Though we cannot shield our children from all hazards, the availability of a landline safeguards a student. They are anchors to the real world, sure connections to loved ones, and, perhaps most significantly, assist first responders in emergency situations.

            As young adults leave home and transform into the adult they choose to become, a landline can be a “home base” to which the student can return and reenergize. A landline gives a sense of being connected even when the student needs to unplug from the whirlwind of modern social media.

            Landlines provide a stable and secure access point to friends and loved ones, providing a connection that is not susceptible to dead batteries or “out of service” messages. Parents can encourage their children to pass along important messages in person or on a recording without the fear that their child will simply press “ignore” and the opportunity will be lost.

            One of the surest protections is that a landline will more effectively interact with local officials and emergency responders in case of emergency. Wireless phones are, by their nature, mobile. Operators for 911 rarely receive accurate location information from cellphones; this is especially true in metropolitan areas where jurisdictions overlap. Precious time could be lost explaining your loved ones whereabouts. And what might be the result if your child is badly hurt and unable to speak? Landline addresses pop up immediately on a 911 operator’s screen, providing an added layer of protection for your child. To ensure your college age student’s safety and security and to save money on your long distance service, contact National Access Long Distance. 

College Student Communication

The college student needs a lot before going off to college.  With a new laptop, tablet, college gear, backpack, writing utensils, etc., they are off to the next chapter.  But wait?  Did they forget something?  The landline, say what?

Yes the landline!  National Access Long Distance, encourages you to consider the landline as a great way to keep in touch with your college student when they are off at school.  Whether they are living in an apartment or a dorm, the landline can be a great resource for them to keep in contact and stay safe.

While their cell phone may get lost or broken, the landline stays in the same spot and is reliable for communication.  Contact National Access Long Distance for great rates on their long distance plan!

Your Dependable Landline

            Sixty-four percent of American households keep their landlines because of trust. We trust our landlines to be reliable, secure and safe.

            Based on electrical principals and often time piggy-backed with electrical delivery systems that reach every home and business, landlines are infinitely more reliable than their mobile counterparts. Even better, landlines continue to work even if the power goes out because they are hardwired into the grid. This is again the opposite of their cellphone counterparts. Hard wiring also ensures a clearer, crisper signal.

            All over the news lately, we find government agencies, mass-collecting cellphone data. The NSA may not be interested in the business you conduct, but there is no protection from government intrusion because cellphone conversations are radio signals and are not considered by most states or the federal government as private and secure. Is this what you want?  Do you feel comfortable for your conversations to be listened in on without your knowledge or permission? The question may be asked, what can I do to stop this or can the government really do this legally and get away with it? To keep eavesdropping at minimum, keep your landline.

            Landlines also add a layer of safety to our lives. In case of emergency, landlines interact more effectively with 911 operations than cellphones. Locations of an accident or medical emergency are more precise with landlines, saving time and lives.

            We trust our landlines to be reliable and secure and to keep us safe. This is why the landline will continue to be a lasting part of American society. If you want to trust what millions have trusted since 1877, and save money on your long distance bill, contact National Access Long Distance.

Family Safety Tips

National Access Long Distance presents Family Safety Tips!

Have a Plan

• Make sure your family has a plan for every type of emergency.
• Create mapped out scenarios and routes for each room of the house.
• Pick a meeting area for once the house is evacuated.
• Provide each family member with their own plan.

Build a Kit

• Create different kits for all different emergencies.  
• Research which emergencies are most common in your region and what would be needed for these.
• For hints and tips, visit www.redcross.org.

Suggestions to Include:

• Water
• Food
• Flashlight
• Candle
• Batteries
• First Aid Kit
• Tool Kit
• Hygiene Items
• Cell Phone and Chargers
• Radio
• Contact Information for Family Members
• Blankets, Pillows
• Map
• Cash

Stay Informed

• Make sure you are aware of weather during different seasons.
• Create a community or neighborhood weather watch so everyone is aware of emergencies.
• Download an app that alerts you of an emergency in your area.

Invest in a Landline

• Corded landlines work without power.
• When cell phone towers are jammed during emergencies, landlines are still able to make and take phone calls.
• Landlines give exact locations to the 911 dispatcher to increase accuracy and response time.

Who's the Boss At Home?

Businesses have entire staff divisions dedicated to watching the bottom line and company spending. At home the only person watching the budget is you. Phone service is a simple way to make a responsible decision in saving money.

                There are nearly endless options when it comes to how phone services can be used in the home setting. A driving factor for consumers in this tough economy is cost. While cell phones may seem to cover all of your needs, upon closer inspection a cell phone hardly provides the best option for the home telephone. Most calls from the home are local and rates for local landline calling are unparalleled, particularly when compared to cell phone rates. Cell phone service providers are notorious for charging users for any number of reasons like peak hours, international rates and roaming charges. Opening your phone bill each month should not be a nerve racking, painful experience. Landline services can be obtained for one flat fee each and every month which makes paying that monthly bill a routine experience.

                Another reason that landlines are far superior to cell phones in the home setting is the accessibility that they provide. The family usually has one telephone number with a landline and there is the capability to have a phone receiver in as many rooms as you would like.  The convenience of finding a receiver and answering the call is simple with a landline.  When the cell phone rings at home, everyone’s first thought is it my phone ringing, where is it?  That is if you hear the cell phone at all, especially with all the special ringtones and vibrate options that come standard with them these days.

                At the end of the day every home has different needs, but having a phone is a universal need in the home. A landline provides a low cost, convenient, reliable option that can best serve every home when set up appropriately. You can be the boss when it comes to how you spend your own hard earned money at home!

The Insurance Line

            No one chooses to be a victim of a natural disaster or other emergency situation. We can, however, plan to minimize our exposure. We try to prepare with backup plans and emergency safety kits.  We purchase insurance for our house, belongings and cars.  Houses are built with rooms for different natural disasters.  But we can’t prepare for everything.

A part of the preparation that can be forgotten is ensuring our landlines remain intact. The landline provides an insurance line.  When people are cutting off their landline service and purchasing insurance on every electronic device, they are forgetting that the landline is an insurance protection plan for their lives.

            Landlines are generally more effective than cellphones in emergencies. They are familiar to older household members and their use can be taught to younger children with ease. Landlines do not go down when the power goes out. Not all cellphone providers have E911 that directs your calls to a local response center; your call for help may be sent to a regional center for routing, costing precious moments.

            In May, 2013, the central region of Oklahoma experienced severe thunderstorms, flooding, and several devastating tornadoes. Large swaths of land were ruined by nature’s raw power. Directly affected cellphone towers were incapacitated and the sudden influx of calls for help jammed the remaining ones.  That and local emergency responders and the civilian leadership scrambled to find landlines to coordinate their efforts. Human lives hung in the balance.

            This is but one set of incidents of many. Citizens in the large cities and smaller remote areas of the country are already well aware of the importance of maintain a landline in case of an emergency. Despite increasing acceptance of wireless as the primary telephone, many people not living immediately in the very large metropolitan area maintain a landline as their lifeline.

            If disaster struck, would you be prepared?

            Keep your landline as your insurance plan and contact National Access Long Distance to save money on your long distance services.  

Don't Limit Yourself, Get a Landline

While cell phone have many advantages with mobility, they have many disadvantages with the use they were created for…calling someone.  You can do just about anything on your cell phone these days except call the person you need to get ahold of.

The reasons vary but all seem to have the same problem of not being able to get in contact.  Your battery is dead, you are out of minutes, there is no signal, etc.  When you need to get a hold of someone, you don’t want to hold your phone in the air searching for a signal. 

Your landline doesn’t have access to Candy Crush or work as a calculator; however it does make a phone call when you want it to.  Isn’t that what you wanted from your mobile phone originally?

We understand you aren’t getting rid of your cell phone; we just want you to remember not to get rid of your landline.

The landline provides clear phone calls every time you call no need to worry if you are roaming.  You pay per minute with the landline at a reasonable price.  There aren’t overage fees or roaming fees.

If your objective is to get ahold of someone when you call them, keep the landline around for all your home or business calling needs.  Save money on your landline with long distance by National Access Long Distance!

The Home Phone for the Family

Having a cellular phone is a common occurrence in most households throughout the United States.  In our technologically evolving nation, almost everyone has some type of wireless device regardless of their age.  With so many different instruments available having the ability to access nearly anything one needs such as checking an e-mail, browsing the web, taking photos, getting directions through GPS apps, playing music, on-line banking needs, setting up accounts and paying bills, and of course making and receiving phone calls.  We can’t forget the face to face chatting and screen share programs now available.  These are just some of the numerous features and functions of a wireless component, which is designed to help achieve a more convenient life for the user.  But should a family eliminate their home phone for all the modern conveniences of a cellular phone, and give up the security, privacy and stability of the family home phone? 

A landline offers many valuable features in the home that many people forget about or simply do not think about.  One never has to worry about the home security system if it is connected through a landline or the ability to call for emergency assistance on a home landline.   For those who have children or an adolescent in the home, they know all too well how long a teenagers phone conversation can be to a friend.  People tend to spend hours on the phone with family, and friends, not realizing the length of a conversation until they have to count the minutes.  With a land line there are no roaming costs and you pay per minute without worrying about overages.  There is no worrying about the battery going dead during an important call with a landline.  A parent also has the capability to call their home to check up on the whereabouts of their child and have the peace of mind knowing they are safe.  Whereas when a parent is calling their child’s cellular phone and left unsure of their location. 

There is also the cost factor to consider.  A basic landline cost is usually, on average, around $25 a month compared to the astonishing costs of cellular phones that continue to skyrocket.    

All these issues are important points to consider when deciding on what is best for your family and if you would like to save even more money on your family phone contact National Access Long Distance.

Why the Landline is Underrated

Many people are thinking about abandoning their landline and switching over exclusively to their cell phone. It appears that the cell phone is more beneficial, convenient and cost effective.  Sometimes technology may seem better, but actually it can complicate life and cell phones are a good example of that.

For instance, when was the last time you washed your landline phone? Or, have you ever left your landline in the car and forgot it, so that you missed a day's worth of important calls? Of course not, because that can never happen! You always know where that landline phone is!  Sure, cell phones are a convenience you can take anywhere, but if that is all you have for communicating and you lose it, you can find yourself in needlessly stressful circumstances.

Don’t worry about counting minutes with your landline either!  Once you get home, put the cell phone down and rely on the landline to save some money.

Nevertheless, another problem that you run into with a cell phone is your privacy.  The ease with which cell phone signals can be intercepted is extremely alarming.   

Last, but not least, is when the power goes out.  Can you trust that they will come back on in a timely manner?  We know that lately the power has been going out for an indefinite amount of time with the natural disasters that have hit.  If you have a generator you are set up for success, however if not, you need to be ready!  The landline does not rely on a power source and can work regardless of how jammed the cell phone towers are.

Save money with a landline and save even more with National Access Long Distance.     

The Lasting Landline

Since its inception in 1875 the telephone has been a device destined for great communication.

The landline telephone enables people to easily communicate with one another at great distances unlike any other device can. I doubt even Alexander Graham Bell could have imagined just how great his invention was.

The landline phone has been around for over a hundred and forty years.  Many technology advances have been spin offs of the original landline.  Many of these are similar to the original and are technological wonders in their own right, but the original wonderful creation, that marvelous achievement that changed the way the world talks to one another, is still king! The landline telephone is the time tested standard that all new devices attempt to imitate. The landline reigns supreme and empowers the users to call anywhere at any time.  While the cellular phone says call when I have enough bars and only when you have enough minutes. 

Homes and businesses alike throughout the entire world enjoy daily use of the worry free, affordable landline. From the most remote villages in far off lands, to the very shops in Boston where Bell and Watson first called out to one another with those now immortal words "Watson come here. I have something I want to show you".

Since that now historic day, many advances have been made to the device itself, including the way connections are relayed or made from one continent to another.  The telephone has been modernized to enhance the functionality for our modern world. But, the same basic premise that launched this enormously successful device remains the same. The home phone line enables the user to speak to whoever they wish, whenever they wish to do so. Be it at long distances, across the street or even within the same building.

Many of our top government agencies use a landline when security is of the importance. This is true because a landline is not so susceptible to the interception of anyone who might be monitoring the airwaves with ill intent. That’s true for all of us. It is for that very reason so many top business use the landline as a means to transfer sensitive data from one location to another. For example ATM and credit card machines use this simple way to secure the safety of information being sent for processing via the landline.

Yes, it is hard to imagine that Bell could have ever expected the telephone he invented so many years ago would become a household item

If it ain’t broke, don’t fix it.  The same goes for the landline. The landline works to meet our needs in the crisp, clear, secure way, only it can.

To learn more about the affordable long-distance companies serving you in your area. Contact National Access Long Distance to learn more.

The Address of Your Emergency

No one is ever in a great position to deal with the dreaded and horrid inconveniences of an emergency. These sudden unforeseen crises (usually involving danger) require immediate action. During a time of emergency you would not want to trust to an unreliable source of help.  Cell phone or VOIP services are unreliable and not the phone you want to be using when there is any sort of emergency.

When an emergency occurs, you are full of panic, possibly unable to answer the questions the dispatcher is asking.  The question regarding your location comes up, do you know where you are?  What house are you at?  If it’s your own, you can probably provide it with little thought.  However, what if you are at your sibling’s or your child is the one on the phone because you are hurt.  A landline provides the address to the dispatcher, no need for the questions, they send help.

If you call 911 with a cell phone they find your location by using the cell towers and GPS services.  This can be inaccurate and timely, during a time when every second counts. If you live in an apartment complex, this impairs the accuracy even more with location of an area and not which floor.  While the emergency button on your cell phone is great, it only speeds up the process so much.

The emergency 911 services were created to save our lives and get us help; this process was made around the landline.  Cell phones came along much later and they are still refining this process.  Don’t let your emergency be part of the learning process; keep your loved ones safe with a landline.

Now when you are out on the road, the only option you have is the cell phone and in that situation it is a great to have that technology to assist you. But from the house or the office, why entrust your life or welfare to the parameters of technology for the sake of a so-called convenience?

Landlines are also easier to operate in the event of an emergency, especially for kids and senior citizens. Sure cost can be the biggest issue, but really can you put a price on your well-being? Besides, there are ways to help decrease current landline costs. To save money on the long distance portion of your landline phone, contact National Access Long Distance.

Who Is Listening in on your Cell Phone?

Most people seem to believe that the public broadcasting of an illegally intercepted cell phone conversation would be illegal.  However, the US Supreme Court has found that the First Amendment allows an illegally intercepted cell phone conversation to be shared with others when the conversation involves matters of significant public interest.  While your conversation may not be of significant public interest, it reminds us that people may be listening and taking our private information at any time. 

The Wall Street Journal has recently published allegations of the FBI being capable of remotely activating Android microphones.  While this can only be done under court orders, the capability is there and we should be aware.

All U.S. cell phone carriers are required, under Federal Communications Commission orders, to make it possible for police to locate cell phones calling 911.  This is because people with cell phones generally always carry their phone with them.  Something we forget is that the FCC regulations give the thriving market for selling personal information the exact locations at all times of more than 140 million people.  Knowing someone's location at all times adds a significant new twist to tracking information about people. 

"There are some things you don't mind other people knowing, but your location isn't one of them," said Gary Laden, a privacy program director for BBB Online, a Better Business Bureau subsidiary.

Services providers (like AT&T, Sprint, Verizon, and T-Mobile) collect data, but are not forthcoming in detailing exactly what they collect, the reasons they collect it, and their data retention policies.

Did you know that cellular phones use radio frequencies, which can be easily intercepted?  Eavesdroppers use simple devices to intercept the analog radio waves that carry wireless calls.  They can then listen to your private conversations, steal your credit card information and can even find out when you'll be on vacation to plan their evil deeds.

What is one of the greatest advantages of retaining a landline phone number?  The answer is: the security of your personal conversations. So, if you want to keep your cell phone private, choose to keep your landline.  Also, if you want to keep the cost of your landline down contact National Access Long Distance and save money on your long distance services.

Family Communication Needs

An important feature offered by landlines is the security of communication available to your family 24/7.  The power can be out or the cell phone misplaced, and you can still rely on the permanent landline. 

Every family can benefit from the availability, convenience and functions a landline phone offers the household.  It’s a fact that elderly residents mostly prefer owning a landline phone over a cell phone for the convenience.  Have you ever considered that they might be on to something? 

With the added threats in society, the landline provides an added safety factor to your household.  With a landline you can keep track of your children’s phone usage, who they are calling and how long they are talking.  You can make sure you also have a phone in case your cell phone is lost or stolen throughout the day.  A weight is lifted off your shoulders when you call your house phone and hear your child’s voice on the other line confirming that they are at home. 

Our family’s communications needs are important and their security is even more crucial to your peace of mind.  Maintaining a landline phone for your home will give you a great communication experience.  Don’t worry about a dropped call, poor signal strength or concern yourself with the battery life.  The landline phone is a time-tested piece of equipment that has proven itself over and over again.  Make sure your family recognizes its need for a safer house with the landline. 

Contact National Access Long Distance to save money on your long distance services.  

Your Family Wants Their Home Phone Back!

Could there be anything more important than the safety and security of our families.  Many would say nothing is more important and a landline is a way of providing protection.  With a landline home phone, the household is provided with not only stability, but a reliable way to contact people. 

Landlines are capable of working in times of crisis, like when the power goes out, or a natural disaster.  The home phone can work without power and does not rely on cell phone towers or radio waves.  When cell phone towers jam, trust your landline to get the call done.

Your family’s safety may not seem to depend on the landline, but when your family is at home, the landline is the more reliable option.  A cell phone is great for the road, for your teenager to contact you when over at a friend’s house.  However, what about when you want to check and make sure they are safe at home?  The responsibility of a cell phone for your children may be a larger one than you anticipated.  If they forget the cell phone at school and take the bus home, how are you able to know they have safely arrived?

In the occurrence of an emergency where the caller is unable to communicate, the 9-1-1 operator is still capable of sending emergency response service providers to the emergency location.  When dialing 9-1-1 from a landline, the system automatically reports the phone number and the address to a 9-1-1 dispatcher and the information is relayed to the emergency response team to ensure the quickest response time.  This is an important subject to take into consideration when making a decision that could affect ones family and household.  Many who live in condos or apartments face the added problem of the 9-1-1 response teams only locating the building, they cannot tell the exact number of the apartment or condo.

Some argue, cellular phones are cheaper and a more effective way to reach out, however what happens if there is an emergency where the caller must stay silent.  The landline allows the caller to be located without any assistance or speaking. However, if calling with a cell phone the emergency operator requires an address for fast response time.  At best, the 9-1-1 operator may receive a call back number and possible coordinates.

The average cost of having and maintaining a land line home phone, is around $25 a month for most families, what a small cost for the added protection.

Protect yourself and your loved ones with a landline.  Contact National Access Long Distance for affordable long distance services.

Top 10 Reasons To Keep Your Landline!

Many landline customers are facing the dilemma of cancelling their home telephone because they feel like having both a cell phone and a landline is too costly. When in fact, landlines allow for clearer calls, more privacy and 911 address accuracy. A landline does not use software and your calls travel over permanent terrestrial circuits. In layman’s terms, your calls travel by wire over the land, as opposed to cell phones connecting with the telephone network using radio waves.

Top 10 reasons you still need a landline:

1.      Landlines offer a clear channel of communication without the white noise or dead zones.

2.      Landlines are reliable in extreme weather, power outages and in other emergencies.  Landlines do not rely on electricity or towers, making them more dependable.

3.      Landlines provide a direct connection for your home security systems, DSL, dial-up connections or VOIP systems.

4.      Landlines offer more protection against debit or credit card fraud, since it is more difficult for eavesdroppers to tap into a wire to steal personal information.  Hackers can easily purchase a device that intercepts the radio waves used for a cell phone call.

5.      Landlines give users peace of mind and added security by providing a different phone for sales calls.

6.      Landlines prevent your family from being tracked because they do not have location-based services (GPS).

7.      Landlines provide your family members and guests with a telephone line.  This way you are not inconvenienced when they need to contact someone and their phone may be out of service.

8.      Landlines are linked to the home address.  When the phone calls 911, the address automatically pops up on the responder’s computer; regardless if a person can communicate or not, a 911 dispatcher will send help!

9.      Landlines are needed to locate our cell phones!  Lost in the couch cushion?  No worries, just call it with your landline.

10.  Landlines have affordable monthly rates for unlimited local calling and at no additional charge. Other phones may be easily plugged in to any existing phone jack for the convenience of everyone.

If you want to save even more money on your long distance service, contact National Access Long Distance.