Telecommunication services, namely, delivering information and conducting transactions by telephone through an interactive voice response system, electronic mail services, providing telephone access to a global communications network, providing cable access to a global communications network; providing wireless access to a global communications network, providing on-line chat rooms for transmission of messages among computer users concerning a variety of subjects, providing on-line electronic bulletin boards for transmission of messages among computer users concerning a variety of subjects, providing multiple-user access to a virtual community on a global communications network