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mikebrown Posted:
there, Please
check out -

In The Forum:
Hard Wiring - Installation
Hardwiring in a Rental House
On Oct 24, 2017 at 22:29:48

mikebrown Posted:
Hello, I think
you should consult
it with the Expert
they can surely
help you

In The Forum:
Hard Wiring - Installation
Hardwiring in a Rental House
On Jun 24, 2017 at 09:15:34

Haniltery Posted:
For wipe call
history also some
of the offline, in
gengral , it
usually apply to

In The Forum:
How to Delete call history from online account?
On May 09, 2017 at 06:14:26

diana87 Posted:
You have to use
VPN service to
and get free
access while

In The Forum:
Recent calling problem from Egypt
On May 02, 2017 at 17:28:06

dconnor Posted:
What is the main
number on the
account? And
which one is the
virtual number?

In The Forum:
Vonage UK
How do you call 999
On Apr 27, 2017 at 18:52:02

Trafford Posted:
Seems like a
question. We
rely exclusively
on a Vonage system
for our

In The Forum:
Vonage UK
How do you call 999
On Apr 27, 2017 at 10:42:50

diazou Posted:
Hello, It's
compatible with
Android your phone
? Thanks!

In The Forum:
IP PBX for small business
On Mar 28, 2017 at 12:42:33

jeddaisg Posted:
Hi all We have
a Vonage VOIP
system for our
office. Lately,
our call quality

In The Forum:
Ethernet Cable; Wiring schematic? 568-B?
On Feb 23, 2017 at 18:33:52

beast321 Posted:
I don't know if
you heard, that
many more
Dreamcast games
are opened up

In The Forum:
Fax - Tivo - Alarms
Using phone as a dial up modem for Dreamcast Gaming
On Feb 16, 2017 at 03:16:51

Av8rix Posted:
Sorry to start a
new thread on an
old topic but when
I google “Vonage
MAC address

In The Forum:
New adapter and router -- MAC change
On Jan 11, 2017 at 01:07:21

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Save Money with VoIP

Vonage In Print News

Ten Big Money-Savers

August 1, 2004

By Beverly Goodman and Matthew Heimer

Saving money, alas, usually means sacrifice: wearing that tattered coat another year, turning down the thermostat.

That's why most of us can't shake the spending habit. So here are some relatively painless ways to rack up big savings over a roughly five-year period.

1. How low can you go with your credit-card rate? Switch to a credit card with a lower interest rate. At the typical 13.5% rate with a revolving balance of $8,000, you'll owe $4,207 in interest over five years. Do you have good credit? Switch to a card charging 6% and you'll pay just $1,589 in interest. Savings: $2,618

2. Switch to no-fee credit cards. The typical annual fee for a low-interest credit card is $75, and most folks have at least two cards. Unless you're paying for rewards or a super-low rate that offsets the fee, call and ask your card company to drop the fee. If it doesn't, switch cards. Savings: $750.

3. Be green and save green. A typical middle- to upper-class American family spends about $2,000 a year to heat and cool a home. So the next time you have to replace your furnace, cooling system or refrigerator, think green. An energy-efficient furnace may cost $500 more than an ordinary one, but will save as much as $1,950 in heating bills over five years. Savings: $3,350

4. Check your home equity. Most people pay private mortgage insurance if they put down less than 20%, and continue paying it until they've paid the mortgage down to 80%. But how to calculate that mark? Banks usually consider only the purchase price when deciding that you can stop paying, but you may hit the 20% sooner if your home's value goes up. Say you have a $300,000 loan at 6% on a $350,000 home appreciating 5% a year. You'd be able to stop your private mortgage insurance -- roughly $1,600 a year -- after just two years. Savings: $4,800

5. Go satellite. Satellite-television service operators have been aggressively pricing even their most basic services. With DirecTV, you can get the same 175 channels that cable offers for about $35 a month less. Savings: $2,100

6. Lose your landline phone. If you're like many families, each member has a cellphone. With the average bill for a wired phone running $70 a month, you should ask yourself if you really need a landline. Savings: $4,200

7. Phone home -- on the Internet. Still not ready to forgo the landline and rely solely on your cell? Try an Internet telephony, or voice-over-IP, provider such as Vonage or Net2Phone, both of which charge $30 to $35 for a monthly plan that includes unlimited local and long-distance calls. Savings: $2,100-$2,400

8. Catch the Spirit. Or catch the JetBlue, get the picture. Discount carriers charge on average 15% less per mile than their bigger counterparts. If your family collectively flies 20,000 miles annually, you can save $300 a year in fares. Savings: $1,500

9. Avoid collision. Optional insurance contracts on rental cars can cost as much as $25 a day. But if you already have auto insurance or a credit card that provides it, this additional insurance is probably just money out the sunroof. Even if you rent a car for just six days a year, you can save up to $750 over five years. Savings: $750

10. Pause at the pump. Do you really need that premium or ultra gasoline? Car experts say no. Most American families have at least two cars and fill each with 850 gallons of gas every year. Saving 10 cents or 20 cents a gallon may not seem like much, but over five years, it's a gusher. Savings: $850-$1,700.

This story also appeared in:
  • Wall Street Journal, 8/1/04

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