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If we want to drastically reduce the cost of our telephone response called Voip (Voice Over IP).

Voip simply means we use our computer (or smart phone us) to call a phone number via internet. We need to create an account with a voip provider and put an initial amount (minimum 10 euros or 10 USD).

How much does it cost to call?

Calls to landlines in Greece and in many foreign countries is provided free by several companies that provide Voip, for a period of typically four months. When you spend the 4 months you need to put back the minimum amount and we renew the free destinations. The amounts put any time we can spend it on calls to mobile or sms. In some foreign countries, some companies apply a vague limit free calls (fair policy). When we get over charged for some calls but after a few days have again free.

Often the question is whether it pays to pay back a loan when we have the capital and we are in the middle of repayment.

An example : "8 years ago I took loan for house purchase 65,000 euros for 20 years. Currently the remainder is 47000 euros and my remaining 12 years.'ve fixed rate of 5.3% which means that performance I give 450 euro / month and pay with interest 65000 euro yet. " At first reading seems to interest repayment.

But if we assume that the transactions rate from now until the end is 3.19% (3.79% with a fee), so with a deposit of 5% (4.5% net) we gain.

Utility file calculations (with annual capitalized interest deposit).

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