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.

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!

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 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.

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.

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.  

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.

From Children to Extended Family, Depend on the Landline

The family is a unit that is governed by parents, and as such, the parents are the ones who dictate how the family will operate. While most children these days do have a cell phone when they become responsible enough, there are still times when the parents must control incoming calls. The most efficient solution to curb unwanted calls being received by your children is the reliable landline home telephone.

The world is full of difficult situations and anything that we can do for our children to protect them from unnecessary evils, we should do. It can be to allow our children to grow while we are trying to protect them. Some make it a point to make sure that when their oldest reaches an age where they need a cell phone, they are allowed a personal phone for mobile use only.  By having a landline home phone, it can give you peace of mind knowing that any school, telemarketer or various other calls are directed to the house not the personal phone of your child. 

The family landline isn’t just for family in the house; it can be great for the family that is spread out over the nation and in other continents.  For the family that is far away but close in your heart, it can be nice to have a phone where the entire family is able to reach you.  Even if you change your cell phone number, you have a number that is consistent and that the entire family can be reached on.  

Families are the most important thing in the world and anything you can do to make the family a little safer is worth it.  We are here for contacting Aunt Barb out in Chicago or Uncle Bob out in San Diego.  Keep in contact with everyone and keep your family safe with a landline.

For your long distance services contact National Access Long Distance.

The Reliable and Dependable Phone

It seems like no matter how some things can change, others will always stay the same.  The need for a home landline has gotten away from some, while others still see it as a staple in their house. 

Many find it as a great way to keep personal and business away from every other company or place that needs a phone number along with other information.  Others find it as a great way to see if their children got home from school safely. 

It proves to be great for visitors, if their cell phone doesn’t have reception at your household, they can still contact people without using your personal phone.  Many don’t like others using their personal phone, where notes, contacts and photos are stored.  It’s also nice to know they won’t use your limited minutes.

Your home phone is also a more reliable solution for your telephone needs.  In an emergency the landline gives a security that cell phones do not provide.  When calling 911 with your landline, the correct address automatically shows up.  No need to worry if the visitors know the address or if you can’t communicate at the time. 

The technology with landlines has also advanced and provides many extensions.  This gives every member of the family access and even access out by the pool or in the basement.

The landline is reliable and dependable.  Keep it affordable with long distance from National Access Long Distance.

A Traditional Landline vs. Alternative Services

With technology advancing as fast as it has, 20 years from now cell phone and cable providers could provide the same reliability as a traditional landline does, but right now they don’t. Consider the following before deciding to rely solely on your mobile phone.

Bundling phone service with a cable provider or just having a cell phone may save a few dollars.  However, people must remember the old cliché “you get what you pay for”. With a cable provider when the cable goes out you lose all services through them including phone and internet. Additionally once your initial contract through the cable provider expires, your rates will jump dramatically for the bundle.

Cell phones provide a convenience of being at your fingertips, in the case of a large scale emergency such as September 11th or a natural disaster. However, the convenience goes out the window when you are unable to use your cell, because the towers are jammed with traffic. Not to mention the convenience is also gone when you lose track of your cell phone or it is stolen. Then you have to take money out of your savings to replace it when not eligible for an upgrade.  If you just need a phone for local calling purposes a cell phone is the cheaper avenue, while the landline is more suitable for long distance.

Another avenue for phone service is voice over i.p. it has many of the same flaws. If the internet goes out you will be without a phone.    

If you are a business owner canceling your landlines and selecting an alternative service can be extremely costly. All the alternatives hinge on one of two things; either you are required to have power or internet.  If the power is out your customers will not be able to contact you, simply taking their money to one of your competitors. So are you going to risk throwing money down the drain with something that is not reliable?

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

Your Home Called...It wants to talk too!

In today's society, to not have a cell phone would almost place you in a category of being archaic. If you weren't able to play games, text people, check your Facebook status, what would you do on the elevator or walking from place to place?  In all the time you spend on your mobile entertainment system, did you ever stop and think how the home feels?  Did you consider the total effects of not having a landline in your house?

The first thing to consider is the fact that your life, even as busy as it may be, is not 24 hours a day away from your home. At some point you do have to go home, especially if you have a family with kids.  We all have experienced some of the pitfalls of cell phones at home; starting with the dreaded "low bar" areas within your house or backyard.  How many times have you had dropped calls in the most comfortable area of your house? Never mind the fact that your carrier promised that this phone has strong reception and that their coverage blankets the city you’re in. No matter what, there is always some blank spots or spots in your house that seem to not have the best reception.

Do you really want to deal with a choppy scratchy call when you are talking to loved ones or about your personal business? How many times have you walked away from your phone accidentally leaving it on silent to come back to a missed call?

At the end of the day, no wireless network is flawless. So if your household has no landline phone in it and there is an emergency at school with the kids, do you want to risk not being able to be contacted because the cell phone isn’t working? 

In addition, what about the others in the house? Do you really want to have to pay for multiple cell phones? Besides you know how your kids are going to use them more than their school books, which means over charges, unless you are going to pay for unlimited.

The VOIP system isn't that much more comfort. VOIP is subject to power outages, viruses (since it is CPU based), deadlines as well as signal strength (bandwidth) when other devices are using the internet in your home.

If you were to be robbed, how are you going to call the police?  We all know that thieves target cell phones and computers. The weather can also have a major effect on both cell phones and VOIP. Just ask the victims of Hurricane Sandy and Hurricane Katrina. The landline though can work through power outages and won’t rely on the cell phone towers everyone else is using.  If you can’t talk on a call to emergency services on a landline they have your address automatically and can send services to you.

About 64 percent of homes in the U.S. still have landlines. The call quality of a landline is superior to those of cell phones and through power outages. Landlines help you buffer out unwanted calls to your cell phone by being a main point of contact.

The landline helps your home feel safe, especially via a home security system. So keep your home happy and in touch with its own phone. And if you want to save money with better rates on your long distance service, contact National Access long Distance. 

Did you know about your landline?

A landline provides security that a cell phone doesn't have.  One of the ways is the 911 service that is especially useful if you live in an apartment (dorms count too).  Check out this video on the ways that landlines come in handy!