6 ways to finance your small business

Finding money can be one of the biggest obstacles for a small business owner. Whether you want to open a chain restaurant or an Internet-only business, capital is required to finance your dreams. Here we will explore the different types of financing available to you:

Financial debt includes any money that you will pay back. It does not require you to give up shares in your company and can be a good option for entrepreneurs who have not been able to attract the attention of investors. This type of financing generally requires a personal guarantee and will require you to pay interest.

  • Loans: Loans are available from a variety of sources, including local banks, the Small Business Administration, and non-profit organizations. Requirements vary, but are generally based on credit and will require you to pay interest. Some microloans from economic development organizations may also take character into account.

capital financing requires you to give up a portion of your property to investors in exchange for their money.

  • Friends and Family – For most business owners, this is the first stop when looking for financing. Your friends and family know your character, and the process of obtaining money is usually much shorter than other methods. Even better, most will not ask for a stake in your business in exchange for financing. Even if you know these lenders personally, be sure to get all agreements in writing.
  • Angel Investors: These are high-value individuals or groups of people who trade their industry expertise for a portion of your company’s capital. These investors can be hard to find and some only focus on certain sectors. An Internet search can uncover angel investors in your industry.
  • Venture Capitalists – These companies are generally interested in established companies or start-ups that will quickly be ready for sale or public offering. There are usually high standards for receiving this type of financing, and you must be willing to give up some of your control.

Other types of financing:

  • Business Plan Contests – Many are hosted by local business schools and require you to partner with at least one student to enter the contest. Winning could mean networking opportunities, funding, and ongoing support.
  • Government Grants – Although it is a popular belief that the federal government provides grants to small businesses, money that you do not have to pay back, it is not entirely true. Most of the grants go to local nonprofit organizations that help start-ups rather than to the businesses themselves. However, some states provide grants for special industries, such as technology and “green” sectors. Check your state requirements for more information.

As you can see, there are a variety of ways to get financing for your startup. An accountant or financial manager can help you decide what type of financing would be best for you. For more information on business financing, including sample promissory notes that can be used for loans to family and friends, visit SCORE:

This article, by Dequiana Brooks, was originally published in Gemini magazine.

Home Kitchen

Highland Park pottery to bring tiles to life

The Highland Park Ceramic Collection will create the quality of being an exciting design that will please everyone for decades. These collections have features of neutral color, glossy finish, admirable shapes, attractive pattern and tremendous texture that will bring ceramic tiles back into modern trends.

Let’s take a brief look at some characteristics of Highland Park pottery

Highland Park pottery varieties are:

Neutral tones:

• Antique white,

• Artisan of the mole,

• Gray Dove,

• Morning fog,

• White Whisper and

• Pearl Portico

Color family with 8 styles:

• 3×6 subway tile,

• 4×12 subway tiles,

• Hexagonal tile or elongated hexagon,

• Tiles with arabesque motifs,

• Mini-brick tile,

• Classic diamond pattern,

• Arched spike,

Highland Park Arabesque

Highland Park Arabesque ceramic tiles are available in gray which adds more appeal to the contemporary style in home décor. Mesh sheets are used to lay ceramic tiles in an arabesque pattern. It is very easy to install and involves less process as well. It has a smooth gray polished finish with an arabesque pattern. These types of ceramic mosaic tiles are suitable for black backsplashes in kitchens, showers, countertops, accent walls, and more. This tile is suitable for interior design.

Highland Park Dove Gray with 3×6 Subway Tile:

The dramatic look of the lighter color is attractive at the edges of the tile. It has a crackle finish that shows off this type of tile more elegantly and creates a sense of thrust from the first glance. This type of mosaic is seen in fewer homes and is the topic of conversation.

The availability of Dove Gray Highland tiles and their shapes:

These types of tiles are mainly available in three varieties, namely

• The diamond on the left,

• The subway tile center, and

• The brick tile

In addition to the variety above, it is also available in 4×12 subway tiles with Dove Grey. Dove gray looks elegant and splendid with an arabesque pattern. These types of ceramic tiles are suitable for cabinet style to compare with other places.

The mid-tone smoky gray palette with a crackle finish exudes the classic look and its clean lines and perfect scale give it a contemporary edge. This combined style makes Dove Gray Brick the best decoration. Gives a stunning effect to wall tiles.

Antique White Arabesque Pattern Tile:

Tiles with antique white arabesque motifs give a fresh feeling to both the kitchen and the bathroom. These types of mosaics are more cost-effective and easy to install anywhere. The arabesque pattern gives it a stunning design.

Antique White Elongated Hexagon:

The antique white elongated hexagon is suitable for the backsplash option. The intermediate look is mixed with more color and styles. Honeycomb is a more popular style that gives a farmhouse feel.

Subway Taupe Handcrafted 4×12 Tile:

Crafted taupe is a rich brown color and widens the 4 X 12 tiles, merging with other tile collections smoothly and seamlessly without cracking. These types of tiles are suitable for the backsplash, bathtub, and shower surrounds. These tiles are used for both commercial and residential purposes.

The 4″ x 12″ Artisan Taupe is available in 5 square feet with 15 pieces per box. The Artisan Taupe is a grade 1 ceramic tile that can be used for decorative wall purposes. This type of tile can be avoided in entryways due to light residential flooring.

Highland Park White Whisper:

The depth of design and pattern is enhanced by the three-dimensional application in the Whisper White High Park Collection. The dramatic mood highly influenced by the textured pure white tiles admired by all. The vertical space of the wall is suitable for the graphic pattern of the Whisper White tiles. This tile is body shaped in both traditional and modern designs.

Are you ready to transform your space? Let’s start and explore with Highland Park’s ceramic tile collection that is versatile for home design.


The macro world of microswitches


The word micro sounds like something small, right? But it is this microsystem that works wonders in the electrical world. Great miracles often happen through little people, like in the story of Goliath. From automation to security, they have a wide range of uses.


Microswitches, as the name suggests, are small switches used in bell systems or small parts of a computer chip. Most of these have a guided plastic coating along with a metal on the back to conduct electricity. Other switches, for example the ones we use in our homes as fans or lights, are only one way. Either we turn it on or we turn it off. Everyone is driving automation right now (with Alexa and automated cars like the Tesla) and these are a big part of this automation industry. They are used in the manufacture of home alarms, surveillance cameras, elevator switches, time bombs and many more. So, in short, these can be called devices that are useful in the security industry and have the perfect design.

useful app

They not only sound and protect our homes, but are also used in our daily uses such as machines, refrigerators, air conditioners, etc. They have a simple lever mechanism that helps them slide back to their normal state after being pushed, much like doorbells or alarm systems. In short, they depend a lot on the input given to them, unless, on the contrary, they remain stable in their own position. This could also be better explained using Newton’s third law, which states that the system remains at rest unless acted on by an external force.


No other category of switches has this uniqueness of a lever, returning to its own shape after being pushed. The usual switches are just the way to on or off. These tend to disobey the teacher and have their own rules!

recent trends

Since small is new, people are more focused on creating a world of nanotechnology. These switches prove to be the right platform. They are designed in such a way that they can literally fit into any electronic device and serve the same purpose. They are widely used in alarm systems and triggers. They are also recently being used as one of the substitutes in cars for throttles and clutches. The design is being modified to fit any system.


In the age of microenvironment, these switches are in high demand and prove to be the most effective both in terms of manufacturers and buyers. Engineered to the level of having a lens in sight, these microswitches tend to bring out the new in all aspects and prove to be highly efficient.

Digital Marketing

The 5 best SEO tools that make the website reach the Top 10 of Google

Webmasters and website owners are often confused when it comes to choosing the ideal SEO software tool for their websites. Search engine optimization plays a critical role in driving web traffic to a website and giving it recognition online. Even getting top spots in search engine rankings is not possible with SEO. Organic website optimization cannot be replaced by any other marketing tricks.

Let’s take a look at 5 important SEO tools that will help you reach the top search rankings on Google:

  • SEO PowerSuite – SEO PowerSuite, as the name suggests, is a powerful SEO package that combines 4 mini tools like Site Auditor, Link Building Wizard, SEO SpyGlass and Ranking Tracker. The link assistant tool assists in the link building processes by searching for relevant link partners and all their contact details. The rank tracker is used to check the rankings of all website keywords and helps to form new keywords for website optimization. Other applications, such as Website Auditor and SpyGlass, help detect common website errors, compare your website to competitor websites, and help reveal the link building plan of other competitor websites .
  • website general manager – This is a very successful and comprehensive SEO toolkit. There is also a free online version for beginners, but in order to fully exploit the software, one has to purchase the full SEO tool. Web CEO is an amazing combination of 12 different mini SEO tools. It is one of the best SEO tools to do keyword research. It also helps to take a look at the competitor’s pages and find out all about their secrets to success in the top rankings.
  • PI – Popular as an internet business promoter, this amazing online SEO tool is of great help to webmasters in devising creative strategies for website optimization. Easily one of the top 5 SEO tools on the market, IBP allows designers to streamline all the different SEO procedures to ensure decent rankings and more website traffic. To increase sales revenue and become popular online, IBP is the ideal software package.
  • SEO Profiler – This software offers a superior set of tools to ensure better search rankings on all popular search engines. It also guides you to perform link analysis, link building and link cleanup (get rid of any dangerous website links). Performs extensive research for keyword optimization, ideal for website auditing and spying on competitor marketing campaigns.
  • traffic travis – This top SEO software package provides a simple set of tools to monitor website ranking and visitor traffic. It’s a great free tool with a simple design and an impressive research app. The professional graphic plan offers 4 main functions that allow designers to collect data and later analyze the information. Whether it’s site ranking, keyword research, or PPC ad tracking; Traffic Travis does it all for free. Online webmasters must complete a free registration form to purchase this tool as a zip file. Web experts are very enthusiastic about this software and recommend webmasters to give it a try.
Health Fitness

Control and end chronic pain and fight hunger pangs at the same time

How do you reduce your consumption and reduce portion sizes? Especially when you’re always hungry? It seems impossible. It’s possible. Learning what foods your body needs will ease your hunger issues as well as your overall girth. Staying flexible will be an added benefit, as well as curing any digestive issues you may have.

Learning which foods will keep you from always being hungry and eating the foods that feed your nutritional blanks will help fill you up. Feeling confident that you’re supporting your body with the nutrition it needs, you can continue to age with confidence.

As we age, we will lose muscle mass, even when we exercise. Reducing food intake and consuming less protein will help prevent the colon from being affected and causing pain. This means cutting out all unnecessary processed foods and white foods like bread, pasta, crackers, snack foods, and white flour, white rice, and white potatoes. This prevents us from eating more protein to maintain balance. Balance for everyone means finding the most efficient fat-burning ratio of protein to high-fiber, low-glycemic carbohydrates to fat.

Learning how much your body can eat will help you lose excess body fat. You will feel better and you will look better too. Eating high-fiber, low-glycemic carbohydrates—not the crackers, breads, and noodles—will give your body the energy it needs to help you lose excess body fat.

Also, finding the best proteins will keep your digestion running smoothly. Grass-fed varieties will also support your aging body with more nutrients. Having the energy to do the things you love.

As you move from middle age to old age, you may find that you are not as hungry and can choose when to eat. She can always know what to eat next if she knows the last meal she ate. If it was protein and you’re still hungry, you’ll find that high-fiber, low-glycemic carbohydrates will help you feel full. There are my friends that I have helped, and the Facebook group also recommends eating protein with vegetables and a little fat. Also, eating protein with vegetables will help prevent kidney stones.

Avoiding foods to avoid will also help prevent kidney stones. Learning what foods your body needs will do many things for you at once. It will give your body the nutrients it needs. Give you the energy you may be missing and solve your IBS problems at the same time.

Change makes the body happy at times and not so happy at times. Going through the process will help you find your best health through a step-by-step process.

As an example, here are the changes I made for breakfast during the menopausal transition: A comment on a Facebook page: Yogurt is actually an item to avoid on the computer-generated list of genotypes, however, working in the process and try everything… EVERYTHING so as not to go hungry. I tried eggs and was hungry so added a Clif bar. This worked for a short time. I tried yogurt with sugar and oatmeal, and quinoa with steel cut oats and rolled oats, and it didn’t feel right. (So ​​the sugar was giving me excess gas.) I tried the eggs with kale as an omelette and was still not satisfied. So… I tried processed amaranth flakes and Cheerios and fruit, with almond milk and this worked for a period of time. (Fruit sugars are fine for some) Then I had to add more protein, so since eggs don’t work, I tried thick greek yogurt, and it’s working for now. My goal was to be able to last 4 hours. And being able to poop daily. And twice a day.

It didn’t hurt me to find the nutrients my body needed and not be constipated. Too much digested food caused bread.

Finding your best foods can be a process. Don’t be afraid to experiment and try new things or combinations. The Quinoa Oatmeal Breakfast Recipe is at Wheat Alternatives With A Bread Video.

Legal Law

How to Negotiate Salary Using the Power of the Reciprocity Rule

An employee negotiating their salary can often feel a complete lack of bargaining power. If the employee lacks alternative jobs and therefore cannot make a credible threat to quit or take another job, it is easy to feel that the offer made by the employer is a take-it-or-leave-it offer that the employee cannot take. influence at all.

However, the employee or job applicant can take advantage of the laws of human nature to increase their leverage when negotiating salary. One of these laws says that every human being has an interest in being recognized as a worthy member of society. The only chance to be recognized as such a member is to show that one is willing to abide by the basic norms of society. Failure to comply with these basic rules is to place yourself outside of society, a condition that is unbearable for most people.

The most fundamental norm of society is the rule of reciprocity. According to Wikipedia, the norm of reciprocity is “the social expectation that people will respond to each other in the same way, returning benefit for benefit and responding with indifference or hostility to harm.”

The power of this rule can be felt in most negotiating situations. Suppose a buyer and a seller are haggling over the price of a car. The seller starts with an offer of $24,000. The buyer finds this offer unacceptable and makes a counteroffer of $15,000. Now, the seller lowers his offer to $20,000, that is, he makes a concession. In this case, the buyer will be inclined to upbid him, perhaps to $17,000. The reason why the buyer will feel this inclination is because of the presence of the reciprocity rule.. This rule now requires the buyer to respond to the seller’s concession with another concession.

The rule of reciprocity is so powerful that it can be exploited in almost any negotiation situation, even by a party that otherwise has no influence at all. This rule is a very powerful ally for the employee or job applicant who negotiates her salary, if appealed correctly.

The reciprocity rule will only work if it is very clear that the employee is making a concession or gift to the employer. This can be done in several ways. If, for example, the employer has been working overtime for months without any compensation, you can say, “I really like this job. That’s why I’ve been spending hours and overtime here. I think it’s only fair that I get some kind of compensation for my efforts for this company. Another way is to start the salary negotiation by making a high but reasoned salary claim, from which a concession can be made in the next round.

With the rule of reciprocity in their toolbox, the employee or job seeker negotiating their salary will have dramatically increased their leverage.

Lifestyle Fashion

The false empathy of the narcissist: how to free yourself from his clutches

Genuine empathy is the ability to feel deeply into the emotional state of another human being. In short, it is the ability to put ourselves in the place of another. We learn to be empathic as children, based on early loving relationships with parents. There are exceptions. Some people are very empathetic, despite being treated with neglect and cruelty. These extraordinary people have transformed their psychological suffering and deprivation to get in touch with that part of themselves that is capable of caring deeply about others. Being truly empathic is one of the wonderful traits that makes us whole human beings. A life without empathy is superficial, inert and meaningless.

The narcissist (especially high level narcissists who are very successful in the world) is highly skilled
in false empathy or what can be called pseudo empathy. The socially gifted narcissist is an expert at convincing others that he cares deeply about them. “Pseudo-empathy is exquisitely designed by the narcissist to manipulate others into meeting their narcissistic needs.”

The narcissist is always mentally turning his world around to find ways to replenish his narcissistic needs for money, power, adulation, praise, and even veneration. He is looking for others who will fulfill his worldly goals. He looks for bright, driven people to whom he can delegate most of the work and then turn around and take credit for himself. In his personal life, the narcissist finds partners who enhance his image of perfection, self-right, and supreme power. These individuals are emotionally flexible and attracted to him.

The narcissist traps others by appealing to their narcissistic needs to be loved, cared for, feel valuable, attractive, and powerful. When a narcissist is turning on their well-practiced fake empathy, the unsuspecting victim feels singled out as a very special person who is appreciated and indispensable (often for the first time in her life).

Many followers of the narcissist never wake up. They remain selfless servants, unable to psychologically separate themselves from him. Many who realize the price they are paying (giving up their own lives) make the Faustian deal and decide that the lifestyle and perks associated with being part of the narcissist’s enchanted circle and entourage are worth it.

Those who are ready to free themselves from the narcissist’s pseudo-empathy and the powerful pull of their promises can free themselves through these steps:
1. Identify what the narcissist really wants from you (24/7 availability to work non-stop, sexual favors,
hijacking your creativity for their own venal purposes.
2. Practice positive self-talk. Be kind to yourself. Recognize that your life has its own special meaning without the narcissist.
3. Count your special gifts. Write down how you will use them in this new life cycle.
4. Practice emotional independence, starting with small steps.
5. Seek strong professional help (if needed) to break your relationship with the narcissist in your private or professional life.
6. Verbalize your appreciation for the courage, strength, and action it takes to step away from the narcissist’s false empathy, psychological traps, and tempting empty promises.


Is it safe to have rats and a cat in the same house?

A question I get asked a lot is whether it is possible for those who already have a cat to adopt rats as pets. There are a number of factors to consider before making this decision. While there are some people who say their cat poses no threat to their rodent friends and happily post pictures of their cat and rat getting along, this is a very rare occurrence and should not be treated as the norm.

I should note at this stage that I live with my 2 pet rats, Pea and Mingles, my dog, Charlie, a Maltese x Shitzu, and my cat, Dylan, a Ragdoll x Persian. All of my animals are rescues and they are all wonderful in different ways. However, despite his Ragdoll bloodline, Dylan definitely has hunting instincts and would never let rats run out of the rat cage while he is in the room. It is important to remember that even if he chooses a gentle breed like a pure Ragdoll cat and has them from a kitten, he should never leave them outside with his pet rats.

It is possible to have pet rats if you have a cat, though you should weigh the pros and cons before adopting your new pets. Here are some things to consider:

1. Separation – You should be able to easily separate your cat from the rats when you want to let them out. This could mean using a spare room as a tattered room. This is what I do. The guest room is free of rat hazards such as wires, sharp objects, and small things that they could choke on. It is also completely sealed. There are no little holes in the wall for rats to escape through. I try to spend an hour a day there with my rats. We can play together and I can train with them safely, away from the claws and teeth of naughty cats. I also have lots of fun tubes, boxes, and even a rat pool for them to explore. Cats are usually fine with this time outside and as long as they have enough space to roam and their food, water and litter tray (and in our case a companion dog) they will be fine.

2.Security – You will need to be 100% sure that your rat cage is secure. Of course, he would have to do this anyway, because he wouldn’t want his rats to escape and put themselves in danger. When we first adopted our two rats Pea and Mingles, the former owners gave us their cage and it had a hole in it. It was a small hole and I blocked it off with plastic boxes and duct tape, but I had the shock of my life when I found Pea running across the floor with Dylan the cat about to jump out. Luckily I picked Pea up on time and the rats have since moved into a 100% secure (and huge!) cage, but please don’t let your pets get into this situation. Rats are notorious escape artists. You may think that the space is too small for them to get out, but they will surprise you. Make sure the rat cage is sturdy (can’t tip over) and that there are plenty of areas for the rats to hide from prying eyes.

3. Common sense – You know your cat better than anyone, but even if you have the gentlest cat in the world who seems to want to be friends with your rats, be very careful and never leave them together unattended. I can make my rats sit on my shoulder while Dylan sits next to me on the couch, but if he sits on top of the couch, I’m very careful. Rat tails are irresistible to most cats.

If you have a cat and are willing to go the extra mile to ensure the safety of your rats, then there is no reason why you shouldn’t keep rodents as pets. However, make sure you have more than one rat. This is always better as the rats can keep each other company when they are in their cage. Even if you can spend a lot of time with your rat, when you are outside or sleeping, rats can snuggle, play together and groom each other. It will make all the difference in their lives.

Rats can seem fearless at times, but if you have more than one cat, maybe you should think about whether a rat is really a good pet for you and your family. Imagine how the rats will feel when all the cats investigate the cage and try to find ways to get in.

If you have decided to adopt some rats, make sure you take responsibility for their well-being. If you have a child who has begged you for rats, they may learn some responsibility, but in the end it is the adult who must ensure the welfare of the animals and make sure that cats are not a problem. It’s also essential to make sure your cats get as much attention as before, before new additions.

I hope this article has helped you determine if keeping rats and cats together might work for your family.

Good luck!

Real Estate

Virtual vs Real Home Staging

Most of the time, a home is a person’s single largest financial investment. As such, finding the best marketing strategies when selling a home is critical. Staging is an important part of a real estate marketing plan, and must be taken into account in order to sell the house faster and for the most money. Real estate agents may suggest that a staging consultation is needed for an occupied home, or recommend full staging services complete with rental furniture and fixtures for all rooms or key rooms in a vacant home. A virtual staging consultation saves time and money by discussing staging advice over the phone after discussing actual photos of a property over email. Using virtual staging software can be a lower cost marketing tool for vacant homes, but may not be as effective as real home staging. There are many differences between these types of staging strategies.

Virtual staging is the process of making computer renderings of an interior design concept from a digital photograph of a room to help potential buyers visualize a space. These representations are often used by builders and investors when marketing new construction homes or rehab properties. Illustrations can be used to show flooring, cabinetry, finishes, and other material options, especially during the pre-construction or development phase. Virtual photos can also indicate what a future home remodeling project might look like and are useful for showcasing decorating ideas to clients. However, actual staging for a vacant home or staging a model home for a new community has proven to be more effective.

Professional home staging uses property design techniques that appeal to the target buyer’s demographic to make a home look its best and stand out from the competition. With staging, furniture and accessories are cleverly introduced and placed to highlight aspects of the home. Unlike virtual staging, real staging helps create an emotional connection with buyers and a sense of welcome that they will find attractive in the home.

Most people first look for real estate listings online when buying a home. Virtually staged images may spark initial interest online, but often seem misleading and ineffective when viewing an empty house in person. The house may also require more updates than are shown in the photo, which decreases the perceived value of the house. Potential buyers visiting the home may still question the size of the space and the layout of the furniture, as there is no point of reference without actual furniture. The staging is effective when the buyer falls in love in person. They need to fall in love with a home and develop a sense of “home” to decide that this is the home for them.

Shopping Product Reviews

Dial-up Internet Access – Pros and Cons

Internet dial-up service

Dial Up is the most affordable Internet access option and can meet your needs if you only need light to moderate Internet access. Dial-up is also great if you’re traveling because, unlike most broadband plans, you can use it virtually anywhere. I use a home-based high-speed cable ISP and low-cost dial-up Internet service for times when I’m away from home.

Advantages of Internet Dial Up

  • Cheap – Many Nationwide ISP unlimited dial-up Internet service plans cost less than $10 per month.
  • Mobile – You can use the Internet dial-up service anywhere a telephone jack is available.
  • Easy – No special hardware to buy, configure or maintain.

Note: Although most dial-up ISPs advertise unlimited dial-up access, maximum Internet connection time is typically capped at 300 hours per month, which equates to approximately 10 hours of use every day of the month. If you need more Internet connection time than this, then you should seriously consider a high-speed cable or DSL broadband Internet plan.

Disadvantages of dial-up Internet access

  • Slow – Not suitable for audio streaming or multimedia video viewing.
  • must connect – You must dial the ISP service to access the Internet.
  • disconnections – If your Internet connection is down for a period of time, most ISPs will disconnect you.
  • ata phone – Your phone line will be busy while connected without Modem On Hold.

Can I use my phone while online?

If you only have one phone line, then you cannot dial or receive incoming calls while connected to the Internet, unless you have a V.92 modem with “Modem On Hold” software installed.

What is modem standby?

Modem-On-Hold is a new V.92 modem technology that allows you to make and receive phone calls while connected to the Internet. Most dial-up ISPs support “Modem On Hold”. You will need your telephone company’s call waiting service and compatible Modem-On-Hold software. You should have received software such as “NetWaiting” or “MOH” with your v.92 modem, but if not, you will need to download it from your modem manufacturer’s website.

What is Expedited Dialup?

Most Internet Service Providers offer a Dial-Up Internet Accelerator. Basically, Expedited Dial-up service consists of advanced compression and caching software downloaded from your ISP and installed on your computer. This special software dramatically reduces the amount of data that has to be sent over the phone lines to your computer’s modem. Although you should see an immediate improvement in performance, the trade-off is that the graphical image quality is slightly reduced. Throttle software can usually be configured to allow you to customize the compression ratio and other settings.

How do I choose the best dial-up ISP?

I would personally choose an established internet provider that has a proven track record and provides many V.92 local access numbers nationwide in the US and Canada. To avoid long distance phone charges, you should make sure that any potential dial-up ISP provides local dial-up numbers for your area. Compare low-cost dial-up Internet providers and choose the one that best meets your needs and is within your monthly budget.