Q: I attend a lot of teleseminars and the long distance charges are killing me. What do you recommend? A: Some people use a calling card. Look at your local convenience store or discount stores, such as WalMart and Costco for good deals on calling cards. If you prefer, contact your long-distance company. Most of the major providers now offer one-rate plans so that you receive unlimited long distance for a flat rate each month. It takes the hesitation out of calling. And if you're in the United States, ask about unlimited calling plans to Canada. It may be as little as $5 extra per month. Just ask.