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How to Save on Long Distance - Should You Use Calling Cards?

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For many years now, I have been working on ways to keep my long distance bills down. I have been working on creative ways to make calls to my friends and family as well as make it painless for them to call me. I have learned that VoIP is a great way to save on long distance. I use to spend money on calling cards, figuring that was the cheapest way to keep my telephone bills at the regular monthly rate. The problems I find with calling cards are: