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Last night, I got a phone call from my sister in law. She rarely calls and it used to be me who calls her, but this time she was the one who called me. I usually call her so she does not have to spend extra money on international callings. She then told me something interesting. She said she was able to buy a phone card that will allow her to call me for only $0.06 a minute. Isn't that Fantastic? I decided to let her call me instead from now on.
Nevertheless, there were times, I need to call her. There were several times I needed to call her while I was in Shiolkula but I didn’t know where to get a good phone card. I don't wanna use my cell phone coz, obviously, I'll go broke!
I'd want to introduce you to the service she told me about and was using:
It is Pingo.com. Pingo.com is an international calling card service that offers several international calling cards. Here you can compare Dominica Republic calling card rates. Philippine calling card rates are currently $0.138 (landline) or $0.145 (mobile).
Do the comparison, and you'll discover we have a winner here ;). When you sign up and purchase a $20 credit, you get $5 of free calling! An affiliate program is also available where you can get $15 per referral.
Other great features include:
- Receive up to 4 hours of free International calls for doing one of the following:
* Signing up
* Linking to Pingo.com
Just go to http://www.pingo.com/freeinternationalcallingcards.do and email them at link@freeautobot.com to receive a free phone card.
* Joining Pingo’s affiliate program that pays $15 for each new customer you refer.
However, there are other charges that I think you should know about:
Account maintenance fee: $0.98 /month
Mandated payphone surcharge: $0.65 /call (payphones & certain public phones in the US)
Mandated payphone surcharge: up to $0.99 /call (payphones & certain public phones in other countries)
Toll-free access fee: $0.01 /minute 
* This is a sponsored post
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When your earnings increase, one of the typical things to do is to open a savings account rather than a checking account. The problem you might face, is to determine which site to go with... Knowing that most don't publish their rates online on their sites, it might be a tedious work calling each and every one to enquire from them directly.
Today, I got some good news regarding a new, very promising site called SavingsAccounts.com. SavingsAccounts.com is a site that is focused on the direct to consumer online banking industry, that specializes in high yield savings accounts. The rates for savings accounts are as high as 6% now and most consumers are only still earning below 1%. Although the site is in early development stages, one can tell at once that it's gonna be something worthy.
Compare online banking, find a savings account or checking account and earn more interest today with SavingsAccounts.com. SavingsAccounts' list includes several banks and shows interest rates, maintenance fees, minimum balances, and other required features.
An interesting fact is who is on the top of their list now. It is HSBC with a whopping 6.0% interest rate. In addition to their list of savings accounts, they also have a list of articles for more money-saving ideas. So, if you plan on a savings account, I suggest you give them a shot.
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If you are one of the many who have mortgages that are being paid in the same old normal way, but by one account, you can reduce and shrink that mortgage. How? Simple... just by adding a little bit to the amount you pay on the principle.
Mortgages.oneaccount offers you this service... Here is how the s y s t e m works:
Bringing together your m o r t g a g e, savings, current account, c/r/e/d/i/t cards and loans, you can make your money work harder for you.
This might be a great way to payoff your m o r t g a g e earlier, pay less interest and earn more on your savings. There are some rules however to who might apply with them:
Must be at least 18 years old
A UK resident and are more than 5 years from r e t i r e m e n t
Own, or you are going to buy property in England, Scotland or Wales
For more info click here.
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There are some people who don't like to use credit cards, in their financial transactions, due to some reasons they have. These people simply are missing out on several benefits credit cards offer. Not having to carry around loads of cash, everytime you want to shop, is just one of these positive features that you get, when using credit cards. Other benefits include: not having to miss out on opportunities where you just want to purchase something, at the time you see/find it.
There are a lot of deals out there, but you always have to compare credit cards. There are also alot of sites that offer credit cards services and deals. A site I was impressed by is Creditcardstore. This is a site that is well furnished and has a nice interface/design, with easy navigation. Links to special introductory offer period deals and lots of benefits including cash back and valuable credit card reward schemes, are all included. When a new credit card company offers a better deal, balance transfers come in handy. Also about balance transfers and deals on introductory periods, it is stated in their site: "These may include 0% balance transfers of between 5 to 9 months". Not bad, eh?
Also who wouldn't like some cash-back too, from their purchases? I personally like to take advantage out of the ongoing war between the big credit cards companies, that result in some nice *competant* offers like the cash-backs and other offers.
Enjoy browsing through some of the best credit cards' deals.
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