How to Shrink Your Phone Bill

Most people don’t think it makes a difference which long distance provider they choose anymore. But, fact of matter is, if you are still using one of big three, you could save up to 60% on your monthly phone bill. If you know what you are spending, you have already made first step toward saving. The long distance rate is only part of whole picture when it comes to choosing a long distance company. The fees from one company to next make a bigger difference than actual rate in many cases. For example, a lot of long distance plans with very low rates have higher monthly fees. This is alright if you spend enough every month to make up for fees. But, usually those who only spend $30 or less per month are better off with a long distance provider that offers low fees or no fees and a slightly higher rate. Those who spend more than $30 a month may wish to look into an unlimited long distance calling plan. Recently, these plans have become more popular, and for good reason. Some of them offer unlimited long distance for less than $30 per month. Along same lines as unlimited long distance plans, you may want to use a bundled service. These plans combine your local phone calls and long distance phone calls on one bill. Some plans are available for as little as $50 per month with unlimited local calls, unlimited long distance, and most popular features such as call waiting, caller id, speed dial, and three way calling.

How to Get a Business Loan without a Business Plan

Thanks to a new small business initiative, hurdle has become a little less painful. Through SBA CommunityExpress loan program, start-ups and existing businesses alike can apply for a "Small Office/Home Office" loan without a business plan.