url issue

Anchor points ; ca I reference from any other page on site or even externally
phone numbers can I access then via /TEL LINK
url pointing to wrong address expect ing to find pages within templates directory should be site root.

I don't really understand your question. Please be specific about what you are doing, what you have tried, what result you want, and what result you are getting and I can try to explain how to get it working how you need it to.

RE /TEL: LINK AND THE ANCHOR POINTS just trying TO FIND I THEY CAN BE USED IF B0.0

URL INSIDE CMS , HAVE FOUND WERE I HAVE BEEN GOING WRONG , I HAS WAS USING THE RELATIVE ADDRESS, IN ORDER TO USE I HAD TO USE THE FULL ADDRESS TO GET IT TOO WORK.,WILLI HAVETO CHANGE ANYTHING. WHEN IT GOES LIVE

Yes, you can use tel and anchor links. If your paths on your localhost mimic the live environment, then you wouldn't have to update anything when you go live.