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Telephones!
A phone is pretty much a necessity. After all you need one to summon help via 911. You'll need one to communicate with your employer. And it's nice to have a phone to chase down bargains and opportunities. A basic home telephone should be around $20.00 a month plus taxes and regulatory fees. Since home phone bills tend to creep up as the subscriber adds features, this one bothers me but there's an easy way out.

So what's my recommendation? Get the cheapest landline phone package you can find from your local telephone provider. Nothing (absolutely nothing) more than you really need. A phone that rings and has a dialtone when you pick it up. You'll want unlimited incoming calls but a limit on the outgoing is fine as long as you don't exceed that.

Forget getting the "inside the home line maintenance package". You can do that yourself. Dialtone tells you that you can make a call. That's the "noise" you hear when you pickup a phone to make a call. Tell the telco to give you dialtone to the "
demarc" and you'll take over from there. You can find phone wiring help on the internet. I recommend this site Home Phone Wiring.

Don't lease or rent a phone from the telephone company either. Buy your own phone. There's lots of cheap phones at discount retailers. The simpler - the better. Consider getting a bare bones standard phone first and you can add a jack for a cordless/wireless telephone if you want or need one.

Now you have a incoming phone and the ability to make some outgoing local calls. Here's where you need and can justify the cost of highspeed internet. Get Highspeed internet if you don't already have it. Now get a IP type phone service. You'll use the IP phone service to make those long distance calls.

The first one I can recommend is a
Magic Jack. Magic Jacks are cheap at around $20.00 per year once you buy the Jack with a years service plan. Another is Vonage. The one I like is Phone Power and the link is below.
 
Unlimited Calling US/Canada $14.95/mo.
 
Cell phones!
Get a pay as you go phone. Don't use it except in emergencies. Take it with you always. You need a cell phone to call for help when your car breaks down on the road or there is a accident or to report crimes, etc. Don't use it for idle chit chat. Wait until you get home and call on the house phone.
LG300G + 300 Minutes Free!
 
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Two Magic Jack Tricks!
If you have a Magic Jack there's two tricks you might find useful. The first deals with the number you give out for incoming calls. If you give out your Magic Jack number as your normal phone you can forward the Magic Jack to any other telephone.

If you use your Magic Jack with a Laptop and that laptop has wireless connectivity you can use the Laptop anywhere there is a wireless connection which means you can take your Magic Jack with you whereever you go.
 
Magic Jack for a Business Phone.
If you're launching a new business try using a Magic Jack as your initial phone. It's cheap. Can be portable with any compatible computer or laptop. And the phone number can be forwarded into any other phone.
 
The Magic Jack/Cell Phone "Important Call" Trick
Don't want to miss a important call but need to go somewhere? Give the caller your Magic Jack number then forward your Magic Jack number into your cell phone when you're on the go. You can do this from any internet connected PC. Turn it off when you get home or have highspeed connectivity on your laptop.
 
 
This site covers my own thoughts on financial issues. These ideas may be contrary to your opinion,
the opinions of your advisers, your own best efforts and ideas and/or common sense.

This isn't financial or legal advice of any sort. Just my thoughts.

Bill
 
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