Drives me crazy that accounting software is SAAS. The last thing I want is my business accounting on someone else's systems, regardless of how encrypted, backed up, etc.
Just look at the recent large company whose entire business data set was deleted by Google. If it were a small mom n pop, they'd be out of business before Google even responded.
I swear I see a business opportunity as an IT consulting service that implements nothing but local solutions.
I recently switched my cell service to JMP.chat, which pipes your SMS into XMPP (it's brilliant, SMS is no longer tied to a physical device or SIM). I still get spam sms, but it's far less an issue.
Plus I can pop any Sim into my phone and it has no affect on my phone number that's with JMP. That all remains in XMPP, and the new SIM would just provide a different data connection (and it's own number with its own voice and SMS).
Immodium/Limodil is your friend.