TheLowestRates.Com, LLC. Blog

About Voip

Free yourself from expensive phone bills with voip. Voip uses your high speed Internet connection to replace your phone lines. You use your normal phone just like you’ve always done. When you pick up the phone, you hear a dial tone. When someone calls, the phone rings. What’s different? Voip includes local, long distance, great features, and more in one low flat fee. All inclusive service, one low monthly fee.

Great Features

Voicemail, Call Blocking, Caller ID, Call Waiting, Find Me, Call Forwarding, Three Way Calling, and services you will not see anywhere else such as Do Not Disturb, Speed Dialing, plus more! 29 major features in all. With traditional phone service, this could amount to quite a hefty phone bill. With voip, these features are included in your service at no extra cost.

Superior Quality

Digital lines increase the quality of your calls. Voip uses your high speed Internet connection to replace those old phone lines. Your calls sound great and at a fraction of the price you’ve been used to paying.

Easy to Use

When you get a call, the phone will ring. When you pick up the phone, you’ll hear the dial tone. The phone will work just like it used to!

Great International Rates

Save money on your International calls with voip’s low rates to countries all around the world.

Take the Mystery out of Your Monthly Phone Bill

Somehow, with traditional phone service a thirty dollar phone bill turns into fifty dollars when you add taxes, surcharges, tariffs, billing fees, and who knows what else they tack on to your monthly statement! With voip, you know your monthly bill in advance. It’s that simple. We’ve taken the guess work out of your phone bill and put it back where it should be: picking your lottery numbers.

Risk-Free Guarantee

We want everyone in the world to experience the benefits of voip. So, here’s a revolutionary idea - try us for a month. If you like voip (like we know you will), keep us. If you don’t like us, we’ll credit your first payment. Sure, we’ll cry a little bit, but we’ll move on. We know that you’ll love the voip service. If you feel more comfortable knowing that you can cancel, we’re more than happy to provide this risk-free option for you.

Ready to get started?

Sign up today

I have now hooked up with Send Out Cards. Why go to the store to buy a card when you can enter in your information online and they will print the card, stuff it in a envelope and mail it out. Heck you can even send a gift along with the card.

I have set up a website where you can send 3 cards from Send Out Cards for free. When you visit the website you will see a picture of yours truly on the left side of the top banner. Click on the Send A Free Card Link on that banner.

• Over 10,000 greeting cards to choose from!

• Send a printed greeting card from your computer in less than 30 seconds!

• User has access to the entire SendOutCards system

• Great for personal or small business needs!

I would like to send you a birthday card from me every year. Just email me at: dave@davesgreetingcards.com with your Name, Address, Month and Day of your birth. After all, who does not like to get a birthday card in the mail.

When was the last time you sent an unexpected card at an unexpected time to someone you care about?

Do you think it would make a difference? Do you remember people’s birthdays and other special occasions? Do you think that matters to them?

How about a simple thank you or expression of appreciation. Do you think that would make a difference?

With this incredible tool, not only can you remember people and share appreciation, you can motivate, uplift, encourage and truly make a difference. Here is the interesting thing, the more you do this, the more you realize that you, the sender of these cards, benefit the most.

We are changing people’s lives for good one simple card at a time.

OK, enough already. Here is the link where you can try out the Send Out Cards system for FREE! Just go to www.davesgreetingcards.com and click on the Send A Free Card link. You will be taken to a page where you will be walked through the entire process beginning to end. I have deposited enough into the account for you to send out 3 standard greeting cards on me.

If you have any questions about Send Out Cards please call me at 612-819-9572 and I will help you out. Enjoy your free cards.

Great News,

Identity theft protection services from LifeLock has been added to our list of services. Check out the link on my homepage or go to http://thelowestrates.com/lifelock.

Here is some information for you from the About Us page:

About LifeLock Identity Theft Services

LifeLock is the leading industry leader in the rapidly growing field of Identity Theft Protection. We are based in Tempe, Arizona. Our company is led by experienced and successful entrepreneurs and industry experts. We are backed by Bessemer Venture Partners, one of the leading venture capital firms in the world. We serve tens of thousands of consumers in every state of the union, Puerto Rico and the US Virgin Islands. Take a moment to browse and learn about the team that will work for you.
 

Lifelock for People

Our job is to protect your good name. As a consumer, you have rights that allow you to take more control over who uses your identity and how they use it. We do the mechanics, the details if you will, to enforce those rights. And we stand behind our service with our exclusive $1,000,000 Guarantee. We charge $10 per month to do it.

Some of what we do, you can do yourself for free. The difference is that the only thing we think about is how to protect your Identity. Think of it this way: all of us can change our own oil, but most of us have it done by specialists. We’d like to think that what we do is more complicated than changing oil, but you get the idea.
 

LifeLock for Business

In 2005, over 255 million identity theft complaints were reported to the FTC. The median length of time to repair the problems resulting from identity theft is between one week and one month. The threat of subsequent exposure in the media and among constituents can also cause great harm to a firm’s stability, financial strength and reputation.

Fortunately, a new generation of identity theft solutions is in place to prevent, rather than just monitor, credit activity. LifeLock is the leader in this field. Our system can protect, not only the individuals involved, but your organization. We help ensure your employees, customers, members, readers, and/or other associates remain focused on the business at hand, not on fixing their identity issues.

We’re so confident in our services, our CEO is publishing his real Social Security number in our ads and he’s perfectly comfortable with it. Why? Because he trusts our system, and he knows we guarantee up to $1 million of protection if any of your associates’ identities are stolen while you are our client. Ours is the only guarantee in the industry. We will fix the problem. Period.

Reporters have asked the CEOs of all of the other supposed identity theft protection companies if they will disclose their Social Security number in public. None has to date.

Our $1 Million Guarantee

Our Guarantee is simple. If you are our client when someone steals your personal information and subsequently misuses it, we will reimburse any and all direct expenses that you incur and pay for professionals with the proper expertise. The maximum amount that we will pay is $1 million over the life of the incident. We provide this guarantee because we are so confident in our product. Direct expenses include lost wages, long-distance calls, postage and other miscellaneous costs in addition to any funds that are actually stolen from you or a third party that holds you responsible. If you need an attorney to help resolve the claims, we will select them and manage the case on your behalf.

Your request must not be fraudulent and you must tell us of the event within 30 days of first learning of it.

How the Guarantee Works:

If your Identity is used by a third party without your consent, we will do the following:

1. We will pay any direct expenses you incur subject to the terms below. Usually, we will advance these costs on your behalf. If we do that, you must assign your guarantee request to any such re-imbursement by any third party. For example, if your bank charges you fees because someone else used your credit card and it took you over your limit, we will ensure that you are reimbursed that money promptly. If the bank doesn’t do it, then we will and if and when the professionals we hire to assist you get the bank to refund the money, you agree that it will be sent to us or that, if paid directly to you, that you will send it to us as soon as you receive it.
2. If the amount involved is over $1,000, we reserve the right to investigate the guarantee request and conclude that the claim is valid. For instance, if you are arrested for bank fraud and you assert that you did not commit the crime and that someone else stole your identity to commit the crime, we will investigate your assertion. If we are confident that you did not commit the crime, we will advance any legal fees, bail or other costs required to get you out of jail and back to your life. We will perform our investigation with all due haste and we will render our decision as quickly as we can. The standard we will use is that if any reasonable person would come to the conclusion that you are not responsible, we will as well. Once we are comfortable that you are innocent due to Identity Theft that occurred while you are our client, we will advance all fees and costs as discussed above. Note that we do not necessarily require that you are found innocent by the authorities before performing on our guarantee.
3. If it turns out that our investigation is wrong and that you misrepresented a loss or that you weren’t our client when it happened, you agree to pay us back any amount we have advanced or incurred on your behalf upon demand, including any costs we incur to collect the money from you. Being found guilty of the crime which you attributed to Identity theft is sufficient evidence to conclude that we are entitled to recover all amounts advanced or paid on your behalf as described above. Should we, however, decline your guarantee request and you are found innocent due to the fact that someone used your Identity to commit the crime, we will then honor our guarantee.

You can check out this great service from LifeLock at: http://thelowestrates.com/lifelock

Background
Many consumers do not understand the various charges and items on their monthly phone bills. Here’s a quick reference that describes some of these charges:

• 911 – This charge is imposed by local governments to help pay for emergency services such as fire and rescue.

• Federal Excise Tax – This is a three percent tax mandated by the federal government (not the Federal Communications Commission (FCC). It is imposed on all telecommunications services, including local, long distance and wireless bills.

• (Federal) Subscriber Line Charge – This was instituted after the break-up of AT&T in 1984 to cover the costs of the local phone network. This charge may appear as “FCC Charge for Network Access,” “Federal Line Cost Charge,” “Interstate Access Charge,” “Federal Access Charge,” “Interstate Single Line Charge,” “Customer Line Charge” or “FCC-Approved Customer Line Charge.” The FCC caps the maximum price that a company may charge for this. This is not a government charge or tax, and it does not end up in the government’s treasury.

• Local Number Portability Charge (LNP) – The FCC allows local telephone companies to recover certain costs for providing “telephone number portability” to its customers. This charge provides residential and business telephone customers with the ability to retain, at the same location, their existing local telephone numbers when switching from one local telephone service provider to another. This is a fixed, monthly charge. Local telephone companies may continue to assess this charge on their customers’ telephone bills for five years from the date the local telephone company first began itemizing the charge on the bill. This is not a tax.

• State & Local Municipal Tax – This charge is imposed by state, local and municipal governments on goods and services. It may also appear as a “gross receipts” tax in some states.

• (State) Subscriber Line Charge – This charge is mandated by some states’ public service or utility commissions to compensate the local phone company for part of the cost of providing local telephone lines associated with state services, i.e., intrastate long distance and local exchange services.

• Telecommunications Relay Services Charge – This state charge helps to pay for the relay center which transmits and translates calls for hearing-impaired and speech-impaired people.

Other Charges

Universal Service Fund (USF) (Also called the Universal Connectivity Fee) - Because telephones provide a vital link to emergency services, to government services and to surrounding communities, it has been our nation’s policy to promote telephone service to all households since this service began in the 1930s. The USF helps to make phone service affordable and available to all Americans, including consumers with low incomes, those living in areas where the costs of providing telephone service is high, schools and libraries and rural health care providers. Congress has mandated that all telephone companies providing interstate service must contribute to the USF. Although not required to do so by the government, many carriers choose to pass their contribution costs on to their customers in the form of a line item, often called the “Federal Universal Service Fee” or “Universal Connectivity Fee.”

FCC’s Efforts to Help Consumers Understand Bills
To ensure that telephone bills give consumers the essential information they need to protect themselves from fraud and to make informed choices, the FCC has issued the following rules and guidelines that phone companies must follow when creating their phone bills. The bills must:

• Be clearly organized…

• Identify the service provider associated with each charge…

• Highlight any new providers and indicate the date the change was made…

• Contain full and non-misleading descriptions of charges…

• Identify those charges for which failure to pay will not result in the disconnection of a customer’s basic, local service…

• Provide a toll-free number for customers to call for customer service in order to lodge a complaint or to obtain information. If the customer does not receive a paper telephone bill, but receives a bill by e-mail or over the Internet, the telephone company may provide the customer with an e-mail address or Web site to inquire about charges…

• Use standardized labels when referring to certain line item charges relating to federal regulatory action, such as “local number portability” and subscriber line charges.

If you think your long distance company is charging you too much - in flat fees, monthly minimums or per-minute charges – The LowestRates.Com, LLC., offers the following options which may help lower your monthly bill.

Call your long distance telephone company and ask about calling plans. Ask if changing your calling plan will lower your bill, based on your calling history. Are there any monthly flat fees or plans that your company recommends? What about other charges for federal and state programs and taxes?

Switch long distance companies. Know your calling pattern. Do you make most of your calls on the weekend? Or are most of your calls during the weekdays? Contact other long-distance carriers to ask about their monthly flat fees and per-minute rates. Ask about other charges for federal and state programs and taxes. You may be surprised to find out that not all companies have the same charges for federal programs. It pays to shop around!

Consider dropping your long distance company. You can drop your current long distance company without switching to another company. If you make very few long-distance calls each month (or no calls at all), you may be able to save money by dropping your long distance company. If you do this, you will have no “presubscribed” long-distance company. That means you will not be able to make long distance calls by dialing “1″ plus the area code and phone number. However, you can still make long distance calls by using dial-around companies. Before choosing a dial-around company, do your homework. Ask the company whether any flat monthly charges apply. Also, what are the per-minute rates? Are any charges for federal or state programs added? To drop your long-distance carrier, contact your local phone company and tell them you no longer wish to have a presubscribed long-distance carrier for your phone line. You local phone company may charge you a small fee to drop your long-distance company, the same fee it charges customers who switch long-distance companies, and it may charge you a “Presubscribed Interexchange Carrier Charge” directly.