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San Diego, CA. 10-10 long distance
calling numbers are available to anyone who has a land
line - a phone connected to a home or business nationwide.
The purpose is to make lesser expensive long distance
calls. It's also a way to make the cheaper calls and still
keep an existing carrier such as AT&T, Sprint, Quest,
MCI-WorldCom or Cox Communications.
10-10 long distance numbers are also known as dial around
plans in the industry. Users of
10-10 numbers are dialing around their long distance
carrier to make long distance calls at a substantially
lower rate.
When someone calls a 10-10-xxxx telephone, their call is
routed around the local carrier through what is known as
the PIC (Pre subscribed Interchange Carrier) code. The
local phone company uses the PIC Code to route a call
through to the customer's long distance carrier of choice.
A company's actual PIC is usually the last digits of their
10-10- number. PICs are also known as CIC - carrier
identification code.
Consumers and business are warned not to call a 10-10xxxx
number unless their rates are known. A 10-10-xxxx number
may be advertised on TV, however, that does not mean you
will be getting the lowest rate. Research of tolls and
pricing policies is a must to avoid getting ripped off.
Take the 10-10-297 number, as an example. They are
advertising on TV and in print medias around the country
promoting “3 cents a minute” on long distance calls, with
a minor mention both on TV and in print, of the fact that
there is a 39 cent connection fee on ALL calls.
Here is a sample of the cost per call based on minutes
used (before any local, state or federal tax) by using
10-10-297.
One Minute - 42 cents
Two Minutes - 45 cents
Three Minutes- 48 cents
Four Minutes - 51 cents
Five Minutes - 54 cents
Ten Minutes - 69 cents
A 10 minute call is 6.9 cents a minute while a 20 minute
call cost 4.95 cents per
minute and a 30 minute call cost about 4 cents per minute
using 10-10-297.
The danger for consumers on this particular number is the
ad's major focus and emphasis is on the “3 cents a minute”
and potential users, therefore, may wrongly conclude the
call will be made at the “3 cent a minute” rate.
In the print ad, the “3 cents” letters are almost an inch
high, whereas the letters in the line “and 39 cents to
Connect” is only 1/8 inch size type. Similar tactics are
used in the TV ads. The major imprint left on the viewer
or reader is “3 cents a minute”. The ICFE also discovered
these “3 cents a minute” rates apply to new users only.
There are several bona fide 10-10 calling plans easily
located on the Internet. It's also a
good way to compare 10-10 calling plans, from the least
expensive to the more costly. Check out:
www.saveonphone.com.
Or
www.calling-plans.com. And
www.tele-rates.com.
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About the ICFE:
About the
ICFE:
The Institute of Consumer Financial Education (ICFE), founded in 1982 by the
late Loren Dunton (creator of the “certified financial planner” (CFP)
designation) and it is dedicated to helping consumers of all ages to improve
their spending, increase savings and use credit more wisely. The ICFE trains and
certifies Personal Finance Instructors for its own curriculum. It also trains
and certifies Credit Report Reviewers and Identity Theft Prevention Specialists.
The ICFE is an award winning, nonprofit, consumer education organization that
has helped millions of people through its education programs and resources. It
publishes the Do-It-Yourself Credit File correction Guide, now in its 16th
printing and has distributed over one million “Credit/Debit Card Warning Labels”
and “Credit/Debit Card Sleeves” world wide.
The ICFE became an official partner with the Department of Defense/Financial
Readiness Campaign in June of 2004.
The ICFE is also a partner in the national Jump$tart Coalition for Financial
Literacy and the California Jump$tart chapter. The ICFE staff is also active
with San Diego Saves, an offshoot of America Saves, and the California Student
Debt Resource Awareness Project (CASDRAP) (studentdebthelp.org).
The ICFE’s on-line help for consumers who spend too much was featured in PARADE
Magazine in the Intelligence Report section. The money helps and tips are from
“The Money Instruction Book,” a course in personal finance, positioned to become
among the premier programs in the new bankruptcy and debtor education
initiatives.
The ICFE Web site at:
http://www.icfe.info helps consumers with mending spending, learning about
the proper use of credit, budget and expense guidelines, how to set up and
implement a spending-plan and also how to access financial education courses and
videos and how to teach children about money. Other ICFE services include a free
eNewsletter, and an online resource center of financial education learning
tools, including videos, books, software and personal finance courses.
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