Vonage - VOIP (Voice Over Internet Protocol): This is a phone service that we are just having installed. This includes unlimited long distance AND your local phone service. All for $24.95!!! (Several packages available.) Keep your same phones, (including cordless) but you are now hooked in over the internet rather than through regular phone lines. Many have highly recommended it. My son has reduced their monthly land-line telephone bill from over $80 per month (USD) to $24.95 per month when they switched to Vonage. 

People are amazed to learn that you're talking to them over the internet. Quality is that good. The service is loaded with calling features. Right now they are running a special for 1 month free with the $24.95 service and when receiving a referral email from someone who already uses it, they receive 2 months free. One more way that we can all help one another. If you are already a Vonage customer, we'll include your link here, to get you a credit.

Skype - VOIP Service.  Skype is a phone and instant messaging program that allows you to make free calls over the internet to anyone else who has downloaded Skype on their computers. You can also call from Skype to anyone who doesn't have the service for a reduced rate. It's free, easy to download, and works with most computers.

The main disadvantage is that you must be at your computer with a headset plugged into your computer. The advantage is that it's free to talk anywhere in the world as long as they also have the service. I use the program mostly to send "chat" messages similar to an email or instant message. If they are online, it beeps them, and they can answer you immediately.

For free AVG Anti-Virus software download, go to"

http://free.grisoft.com/doc/1

AVG Anti-Virus Free Edition is a free anti-virus protection tool developed by GRISOFT for home use. Millions of satisfied customers worldwide have downloaded the software and now enjoy the benefits of AVG Anti-Virus Free.

What you get with the Free Edition:

• Easy to Use
• Regular and automatic virus database updates
• Realtime protection of files and emails
• Scheduled and manual testing
• Great customer satisfacton

AVG Anti-Virus Free is for private, non-commercial, single home computer use only.

The following are websites that have images, graphic and photos for free or at a low cost. My favorites are are the first two on the list.

iStockPhoto

Incredible photos that you can purchase for $1 each. These are royalty-free, and very good quality.

PhotosToGo

Top Quality photos that are royalty-free. Here you purchase a membership of so many months at a time. I paid around $99 for 6 months and had the option to download as many as 25 photos per day. Very good deal!

Village Photos

Welcome to Village Photos, the best image hosting solution for auctions, bulletin boards, photo sharing, and more. External linking is permitted on free accounts!

Get started in less than 30 seconds with a FREE Basic account. Upload images straight from your browser (no FTP required!), or use your favorite FTP software, and begin sharing them with friends and family.

Village Photos has a very easy to use interface that lets you get up and running fast! You can organize your images with custom photo albums, with automatic thumbnails, making it easy to manage your pictures.