Personal Finance Tips


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Rock Bottom Monthly Cost: $29.07
Month-to-month cost = $29.07
Total sign up cost and 1st payment: $41.88 (they include a free month but charge a $29.99 setup fee, $9.95 for S&H, plus $2.56 for taxes).

Pros

  • The market leader. They aren’t going anywhere anytime soon.
  • WiFi phones available. Make calls anywhere you can connect to a wireless (WiFi) access point.
  • You have a say in which number you get. You can pick a number with your cities prefix and you can choose from a list of four numbers after you’ve narrowed down your search.

Cons

  • Most expensive
  • No yearly plan available.
  • Some of your money will go towards the creation of even more ads.

Summary
Vonage is slightly more expensive than the others but they provide a high level of service. For the extra few dollars a month they’re probably worth the cost.

Visit Vonage




Rock Bottom Monthly Cost = $26.19

Month to Month Cost: $27.54 (After taxes and fees)
Total sign up cost and 1st payment: – $50.49

Yearly – $209.36 ($17.29/Month) – (After taxes and fees) + $29.95(activation) + $14.95 (S&H)

Total 1st Year Cost:– $254.26 ($21.19/Month) + Monthy taxes and fees (They don’t mention this until after you’ve signed up but you’ll pay an extra $4-$6 in fees even if you do the yearly sign up.

Pros

  • Selected as Best VoIP Service by Wired Magazine
  • Owned by Primus Telecommunications Group, a leading global telecommunications company with approximately $1 billion in annual revenue.

Cons

  • You don’t have any say in what number you ultimately get. After you’ve submitted your order it assigns you a number. Unlike Vonage which gives you a choice of a few options.
  • Generic prefixes instead of city specific prefixes on your phone.

Summary
If you don’t mind having a number assigned to you Lingo provides a good balance of value and service. They won’t go out of business anytime soon and they offer a yearly subscription plan.


Visit Lingo


Phone Power VoIP
Rock Bottom Monthly Cost = $14.08
Month-to-month cost: $23.39 (After taxes and fees)

Total sign up cost and 1st payment – $38.34
Yearly Cost – $238.31 (19.86 Month)

Yearly Total Cost – $253.46
Activation/Setup Fee – Free (activation) $14.95 (S&H)

Pros

  • 6 months free with Year signup. Your first 18 months could be $14.08/Month!
  • $15 Activation Fee waived for online orders.
  • Transfer Phone Number

Cons

  • They are small enough that they might go out of business (like SunRocket did).

Summary
PhonePower offers a very attractive rate for their service. The real only issue is if they can stay in business for an extended period of time. If you’re a gambling type give them a try.

Visit PhonePower


Magic Jack
Rock Bottom Monthly Cost = $3.34 (for 1st year $1.67 thereafter).

Setup + First Year = $39.99 and $19.99/year thereafter

MagicJack offers an unbelievable rate for phone service. Unlimited local and long distance calling for $20 a year! As a customer of MagicJack I would only suggest using them as a temporary or secondary phone. We used MagicJack as my primary home phone number for a few months but there were too many issues to make it work. Hopefully those issues will be fixed and I’ll give them another try. I wrote a post about my experience with them here.

Pros

  • Cheapest option hands down. No one is even close.
  • Emergency service is available

Cons

  • You must have your computer up at all times to have it work. It doesn’t connect straight to your router.
  • Customer Service is limited and only does chat.
  • Dependability as a primary phone line is spotty

Visit MagicJack



Skype - call the world at rock bottom prices

Rock Bottom Monthly Cost = $7.95 ($5.45/month the first year)

Yearly Skype Outbound service to U.S.A. & Canada – $35.40 plus $30 for an inbound number = $65.40 Year

Pros

  • Skype calls between Skype users is free any where in the world.
  • SKype has a wide selections of Skype Phones on Amazon
  • Skype is both computer and wi-fi enabled
  • Skype has no extra fees or extra monthy costs.

Cons

  • Skype is not set up for emergency service and should not replace your primary phone line.

Visit Skype

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dustybooks.jpgLooking around my home I have expensive ways to collect dust. Old electronics, old toys, and a myriad of other things that I don’t use anymore have only done one thing in the last year; collected dust.

In the last few weeks I’ve declared war on my expensive dust collectors. All the old recording studio gear I never use any more…gone. The old books I haven’t read lately…gone. Anything of value that hasn’t been touched for a year…gone. Slow moving friends and pets…gone. There were some pangs of sorrow when I sold some items. But getting rid of clutter feels good. The house stays cleaner. There is extra cash in my wallet and for those with allergies getting rid of stuff can actually cut down on dust.

The top seven ways to get rid of junk

1 – Craigslist – Get a higher price by using pictures and don’t copy the manufacturer’s marketing text.
2 – Local Classified Ads – Most local newspapers have low rates or let you post for free
3 – eBay – While this isn’t the best option it can help you sell more specialized items
4 – Donate to library – Surprisingly our library rejected many of the books we tried to donate
5 – Donate to thrift stores – Some donations are eligible for a tax write-off
6 – Yard Sale – Our neighbors have a yearly yard sale so we donated to their things to sell
7 – Throw stuff away – This is a last resort but sometimes things just have to go

Do you have any other ways to get rid of junk? Leave a comment.

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