If it's not back there by the due date, you can go into a default rate here very quickly. If you miss a couple of payments, you can be charged a default rate, which can be up to 28 percent.

Some people still don't realize how much and how easily they can save on their long-distance bills.

The quality of the phone call with small carriers is the same, you just haven't heard about these companies because they don't spend a lot of money marketing themselves.

We think the market will change quite a bit.

As a consumer, make sure you read the dreaded terms and conditions of the card so you know what you're in for.

This is definitely not good for competition. A number of consumer groups including Consumer's Union and the Consumer Federation of America plan to ask the Justice Department to reject the merger and we tend to agree with them. We are watching AT&T be reconstructed again right in front of our eyes. If the FCC is going to allow this to happen you have to ask why they broke them up in the first place.