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  New Articles:  
Get Inexpensive Long Distance (Update, 1/19/07):  Get long distance for usually less than 3¢/minute.

Inexpensive Cell Phone Calling (New, 1/17/07):  How to get a good cell phone and plan at minimal expense.

Cut Your Electricity Bill (Update, 1/15/07):  Many ideas to help you save power using appliances.


Save On Long Distance Rates

by David Snell,
10Money.com Editor


A Washington Post article exposes how some phone companies can sneak higher fees into your phone bill, hidden in such a way that the rate hike escapes your notice.  Fortunately, it's easy to change your long-distance phone plan and get good quality service while saving a lot of money.  This page describes how you can get the best long distance rates from companies like Qwest, AT&T, MCI and many lesser-known companies.  When you apply to switch to a different long distance company, all the work of notifying your current phone company will be taken care of for you.

I surfed around and uncovered a great many long distance plans being offered by various long distance companies.  I had to weed out some less stable companies that might not be around for much longer.  In the past, companies that offered 2.9¢ long distance seemed to have trouble staying in business.  But phone companies are emphasizing the data communications part of their business more every year, and within a few years they might start offering voice calling for free.  Until then, there are a number of good-quality, low-cost long distance providers to choose from.  All these companies offer service in your own home or office (there are no "10-10" numbers to call) and they can all set up 800/877/888 numbers for anyone who wants one.



PowerNetGlobal Communications charges only 3.9¢/minute (with 6-second billing increments) for state-to-state calls, around-the-clock, 7 days a week.  The in-state calling rates are as low as I've seen, and the international rates are also attractive.  There's no hidden charges, only a fee of $2.50 if your bill is less than $15 in any given month.  The underlying service is provided by Qwest, one of the Big Four major carriers.  You can use this plan for residential or commercial purposes, and you can even get a 800 number for yourself or your business.  I recommend that you use the Cognigen Best Rates Calculator to quickly compare PNG with other long distance services, to find the best carrier for your particular situation.  Some carriers are a little cheaper than PNG, and they're very likely to be reliable companies too or else Cognigen wouldn't carry them.  I personally use and can recommend PNG, and I feel that Cognigen is run by good and honorable people.



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AT&T has some good low-cost plans, and it's a good bet if you want to use an established blue-chip phone company.  However, they have said that they will not offer long distance service to some states because it is unprofitable to serve them.  Their AT&T Unlimited Plan gives you unlimited long-distance calling for $29.95 per month (check their site for the latest rates.)   Their AT&T One Rate 7¢ Plus Plan gives you 7¢ state-to-state calling for a monthly fee of $3.95 (in-state calling rates will vary.)  More plans are listed on their site.



Local Savings from Talk America
Talk America has two plans that can save a lot of money for some people who are located in certain regions of America.  Their long distance plan is only 5¢/minute (they offer this plan to anyone in the contiguous 48 states.)  You can also save up to 30% on your local phone bill with Talk America, using their bundled local and long distance service (available in 20 states.)  It's a monthly flat-rate service that includes most of the features people want (call waiting, caller ID, etc.)  Some of their plans allow unlimited calling, other plans include a certain number of long-distance calling minutes (i.e. 200 or 1000):  after you use up those minutes, you pay a fairly low rate for additional minutes, depending on where you live.  For many people, the most attractive feature is the unlimited free member-to-member calling.  If you know people who you'd like to talk to for hours, and they live in state(s) where this bundled service is available, maybe you can get them to join up with you.

There are no installation fees, no contracts, and you'll receive all your phone charges on one bill.  Most of their plans come with free extra features, such as auto redial, call waiting, caller ID, speed dialing and 3-way calling (plus a few dozen more options.)

At last check, this local/long-distance bundle is available in parts of the following states:  Michigan (MI), Ohio (OH), Indiana (IN), Illinois (IL), Texas (TX), California (CA) (new lower rates), New York (NY), New Jersey (NJ), Pennsylvania (PA), Georgia (GA), Kentucky (KY), Louisiana (LA), Florida (FL), Alabama (AL), Alaska (AK), Kansas (KS), Massachusetts (MA), Michigan (MI), Mississippi (MS), North Carolina, (NC), Oklahoma (OK), South Carolina (SC), Tennessee (TN), Virginia (VA), and Wisconsin (WI).  But they are trying to add more states, so you might want to take a half-minute to click over to Talk America and input your telephone number, so you can see whether your state is included.




 
Save on wireless and telecom
I'm including a cell phone site (TracFone) on this page because it's now possible for anyone to switch their home phone number to a cell phone.  This idea could save you money, and enables you to always receive phone calls wherever you carry your cell phone.  If you already have a cell phone, you can take your cell number with you to another cell phone company.  To avoid receiving most telemarketing calls, register your current phone number(s) at the National Do-Not-Call Registry which the telemarketers legally must honor.

TracFone has wireless as low as $7.99 (a jaw-dropper of a price!)  One drawback is that you must purchase one of their cell phones (you can't use their service with your current cell phone, but you can transfer your current cell phone number to your new phone.)  The phones they sell cost $39 to $99 and they display the number of remaining calling minutes.  They achieve their low prices by giving you three options:  (1) The cheapest option is buying a year of prepaid service for $94.99 (including only 150 minutes however); (2) you can buy prepaid cards good for 60 days, such as a $19.99 card including 40 minutes; or (3) have them bill your credit card or checking account for $14.99 per month, and get double the usual minutes.



Long Distance Rates as low as 3.3¢/Min - All Day
If you want to take a look at a good selection of long distance plans and pick the best one for your situation, I like LowerMyBills.com.  They gave me some special offers to show you (see below) and all I can say is "wow!"  They let you choose between Qwest, AT&T, MCI and some other lesser known discount providers (note:  the lowest rate is 3.3¢ per minute, but that plan and some others are unavailable in a few areas.)

Would you take a vacation? Improve your home? We've made it easy to lower your bills so that you make your dreams come true! Click a bill to lower now:
Mortgage
Credit Card Payment
Life Insurance
Phone Service

Plans As Low As:
• 3.3¢/Min.
• 100 FREE Min.
• No Monthly Fee
Enter area code & first 3 digits of your phone number:
( ) - - XXXX

Lock in the lowest rates in 40 years! Save $1000s on your mortgage payments:

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Cut credit card payments up to 50%, reduce high interest rates & consolidate bills into one monthly payment:
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Pay too much for Life Insurance?
Compare FREE multiple quotes from leading companies & start saving now:
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