Rich Works

By Barton Simmons

 Prepaid phone cards are very popular among college students, frequent travelers or simply by anyone who wants to save on their long distance and international calls. Rechargeable prepaid phone cards are especially economic because the minutes that are added after purchasing the card are often less expensive. For instance, an AT & T prepaid phone cards can be purchased at most Wal-Mart stores at a cost of approximately $.08 per minute. When recharged, the minutes average $.05 each.

There are a number of reasons why prepaid phone cards are so popular, including the need to sometimes dial into a long distance telephone number for internet connections. Rather than paying the higher charges with the phone company, the user can have their modem dial using the calling card and then connecting to the internet.

While on vacation, hotels charge significant rates for long distance calls, but prepaid phone cards allow the user to dial into a toll-free number before dialing out to a long distance line. This will save big bucks as it will eliminate any long distance charges on the hotel bill.

Some cellular phones, such as Tracfone, operate on a prepaid basis. For each local call, one minute of talk time is equal to one unit (or minute) of prepaid service. International calls, on the other hand, may be significantly more expensive. In an effort to minimize the cost, some cell phone owners opt for programming prepaid calling cards into their phone and dialing out using the toll-free number. International rates will be higher with prepaid phone cards, but will likely be less than that of a cellular or regular phone service. This process will work on either cellular phones or a regular landline connection.

Along that same line, prepaid phone cards are also helpful in sending faxes. The same rules apply with long distance fax numbers, which can be costly through local telephone companies. The use of prepaid phone cards can often reduce these costs.

Toll-free numbers are free at payphones, so if you find yourself having car trouble or needing to get in touch with someone and the only phone nearby is a payphone, don’t worry about having the right amount of coins or having to call collect. If you have a prepaid phone card with you, the call will be routed through the toll-free number at no additional cost to either you or the person whom you are calling.

In addition to the aforementioned advantages, prepaid phone cards are simple to use, easy to recharge from the store of original purchase, online through the prepaid phone cards customer service or via the toll-free number listed on the back of the card.

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Develop A Website For Your Business To Make You Rich

Are You Suffering from Debt Stress?

By Barton Simmons

 In all the technical discussion you hear about credit card debt, the best ways to manage it and pay it off and all the rest, one thing goes largely ignored. Credit card debt is extremely stressful, and can have a very negative effect on your life, if you let it. It’s as bad as an addiction, always hanging over you, bringing you down, making it hard to life your life the way you want to. In this article, we’ll take a look at how you can recognise debt stress, and what you can do about it.

The Symptoms of Debt Stress.

There are an awful lot of symptoms that can be caused by stress. Some of the most common ones are: headaches, not being able to sleep, feeling depressed and irritable, and being forgetful and unable to concentrate on what you’re doing. If you’re not sure whether your symptoms are related to stress or something else, you should go and see a doctor.

Who Gets It?

Almost everyone who has debts is stressed about them. Debt is blamed for millions of days off work every year, and is one of the leading causes of suicide - it seems like most times you read about someone who has committed suicide, their name is followed by “who owed a very large amount in debts”. Students and graduates are especially vulnerable, as debt is growing amongst them faster than in any other group.

The average adult owes many thousands in debts - and since that’s the average, it means that many people must owe much more. Never forget that you’re not alone, and there’s always someone worse off than you.

How to Deal With It.

Stress caused by debts is often considered to be embarrassing, or shameful. People with lots of debts don’t want to talk about it, even with their family, for fear of upsetting people or looking like a failure. It is very important, though, that you do talk about your problems, as keeping it all inside yourself will make you much, much more stressed. It is especially important that you talk to your partner - they are the number one person who can support you.

The best thing to do then is to find two people: one who can advise you, and one who can be a counsellor. That means a professional who knows what they’re doing in financial matters, as well as a psychologist or psychiatrist, or some other kind of counsellor. Don’t let stigmas put you off - this is about your health.

The next thing to do is to have a good think about how you got that debt to begin with. See if you can find old credit card statements. What did you spend the money on? You need to sit down, work out a budget, cut unnecessary expenses and try to free up as much money as you can to pay back debts. Even if it’ll be a long time before you get everything paid off, knowing that your debt is gradually going downwards can be an excellent cure for debt stress.

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