Typically, contract-based plans lock customers into a 2-year service agreement at a fixed monthly price in exchange for subsidizing part of the cost of the cellphone. Prepaid cellphones are an alternative to pricey, 2-year contracts offered by the big wireless carriers. Pay-as-you-go plans allow customers to buy packs of minutes online, over the phone, or at select retailers.
Monthly prepaid plans offer a set number of minutes, texts, and data usage (Internet) each month. Prepaid cellphones used to be best only for consumers who dona€™t need a lot of minutes, dona€™t want the latest high-tech phone, or only want a phone for emergencies. T-Mobile offers 30 minutes of calling for $10, with the minutes expiring 90 days after activation. One Verizon plan charges a 99 cent "daily access fee" on days the phone is used, with unlimited mobile-to-mobile calls to Verizon customers and 10 cents-per-minute calls elsewhere. Net10 used to simply offer a 10-cents-per-minute rate for any pack of minutes, but the company now offers more choices. Virgin Mobile offers a 300-minute plan with unlimited text and Web for $35 (Blackberry plans cost an extra $10). Straight Talk, for $30, offers callers 1,000 anytime minutes, 1,000 text messages, 30 megabytes of data, and unlimited 411 calls. Boost Mobile's unlimited talk, text and data plan costs $50 a month, but with every 6 months of on-time payment callers receive a $5 discount, up to $15. Most cellphones have a trial period during which you can return the phone and cancel the contract without penalty. For more advice on how much data you need and how to cut data costs, visit CUBa€™s Data Guide. If you do have a landline and a cellphone, use your wireless plan to help reduce your overall costs. Lifeline, a federal program funded by telecom carriers to give low-income callers access to basic phone service, has been extended to wireless customers. To protect yourself, scour your bill each month for suspicious charges, such as "Premium Services," "Text Subscription," "Membership Fee," and other vaguely named services.
If you think you are a victim, call the cramming company to dispute the charge (the companya€™s number should be on your bill). Dual-SIM phones aren’t exactly new in this day and age, but how about a triple SIM capable phone? QiiQ EcoCarrier has come up with a triple SIM supporting mobile phone, though only two SIMs are active at the same time. Even with Samsung leading the dual-SIM fray, active dual-SIM phones are not making much of an impact in the global market and we highly doubt this one will be any different. If you’re the type who likes to keep more than two SIM cards at your disposal at any given time, then this might just be what the doctor ordered. The introduction of the microprocessor, a single chip with all the circuitry that formerly occupied large cabinets, led to the proliferation of personal computers after 1975.
Prepaid plans dona€™t require a contract or a credit check, and dona€™t slap customers with exit or overage fees. Customers pay the provider each month, but arena€™t locked into a contract and can exit the plan at any time.
Contract plans generally offer the latest model smartphones and can be a better deal for families who want multiple lines. Thirty-three cents-per-minute is a bad rate, but at $3.33 a month, this is a good "emergency phone" option. While the 25 cent-per-minute rate isn't cheap, at about $8 a month, a low-usage caller won't find a plan for much less. One deal includes 750 minutes of talk time for $25, with the minutes expiring after 30 days. Some refurbished phones are free with the purchase of airtime, but smart phones can cost up to $200. However, with certain contract-based plans, if you go over your allotted minutes youa€™ll pay hefty overage fees of up to 49 cents per minute. Any time you are surfing the web, checking emails, streaming music or posting on social media, your phone is using up "data." Data costs can take up a significant portion of your bill, which is why it is important to accurately gauge your usage per month and then choose a plan that most closely matches your data needs. Any cellphone, as long as it's charged and within range of a cellphone tower, can dial 911. For example, if you consistently have a lot of wireless minutes left at the end of each month, use them to make long-distance calls from home. If your cell phone battery is dead and your home loses power, you wona€™t be able to make a call.
Online contests, surveys and spam text messages are just a few of the ways scammers gain access to your bill.
Nevertheless, this phone does give users a hassle-free way of switching between three SIM cards without having to open up their mobile phone to physically make the swap. Nonetheless, this does give us an idea of some of the more unique handsets being developed overseas. For computers generally referred to as PCs, see IBM Personal Computer and IBM PC compatible.
Images,snapshots,and pics often capture a sentiment,a mood,a feeling,or even an idea of a person who's at the center of attention. Some plans include free mobile-to-mobile calling, free or discounted night and weekend minutes, and picture and video messaging. To access the minutes, the caller typically enters a code into his or her phone, recharging it with a purchased amount of talk time. Some companies, like Boost Mobile, offer monthly plans lower in price than comparable offers from large carriers, and without the 2-year agreement. This could be a good plan for someone who doesn't use the phone every day (avoiding the access fee), or has a lot of friends and family on Verizon's network.
The company's $40 monthly "Premium" plan includes 400 anytime minutes and unlimited night and weekend minutes, with a one-time $35 activation fee.
This could be a good deal for callers who tend to text and surf the web more than they talk on the phone. Still, this is a good deal for those who want the bells and whistles without a two-year contract.
Asking friends and neighbors about wireless coverage in your area is a good place to start.
A CUB analysis of more than 4,000 bills showed that the average Illinois wireless customer paid for more than 6 hours of unused minutesa€”enough to drive from Chicago to Cairo, IL while talking on the phone. Keep in mind that authorities may not be able to determine your exact location if you call from a cellphone, as they do when receiving calls from a landline.
Plus, in an emergency, authorities may not be able to locate your exact location when calling from a cellphone, as they do when receiving landline calls. They take advantage of complex bills to hide fradulent chargesa€”usually less than $10 a montha€”among other fees.


The exact name of the phone is yet to be disclosed, but it’s already confirmed to feature a 2-megapixel camera, 2.6-inch touchpanel, and a very capable 2000 mAh battery.
Throughout the years,pictures has become one of the most popular ways to capture memorable moments. With some plans minutes expire after a certain period of time if the customer doesna€™t buy more. Minutes expire every 60 days, text messages are 10 cents each, and Voice Mail service costs an additional $3 per month.
Read your cellphone bill each month, and if youa€™re consistently below your allotted number of minutes, ask your carrier if you can downgrade to a plan with fewer minutes. The carrier may require a police report and a deductible before replacing your phone, and may only give you a used phone in return. Depending on your calling habits, you may be able to drop your regular long-distance completely. And certainly,for a tantamount of consumer and shoppers you cant put a price tag on family and holiday pics.
Similarly, if your cellphone package comes with free voice mail, dona€™t pay the monthly fee for the same service on your landline. Decades after the invention of the first camera, a large number of consumers and shoppers continue to take pics, in a hgh tech fashion. Give friends and family your wireless number and tell them to leave messages in that voicemail box. If youa€™re not ready to ditch the landline entirely, check with your landline company to get the lowest plan possible.
Instead of the antiquated bulky cameras with huge lenses,consumers and shoppers frequently use SmartPhones and digital cameras to capture images and to take holiday pics. For example, AT&T offers some customers the Consumera€™s Choice plan, designed by CUB to fit the needs of the average landline caller. From family gatherings,to family picnics to traditional weddings to the holidays,consumers and shoppers often seize the opportunity at planned events and during the holidays for instance Thanksgiving and Christmas to take pictures of loved ones,family,friends and co workers.
For long-distance, beyond 15 miles from home, you can often find rates as low as 2 to 3 cents per minute.
Since founding csaccac Inc in 2010, as Founder and President,I fill many hats including Product Tester and photographer.
And truthfully speaking,in the beginning I experienced some difficulty;however,after I purchased my first digital camera I began to feel comfortable and enjoy the ease of taking pics with a digital camera.
Months after I purchased my first digital camera,I set my sights on a tripod, a universal stand to hold my digital camera. The main reason I purchased a tripod__ at the time, I wanted to create high quality self pics and group pics. Eventhough, I've had my tripod for some months,I am still learning the ins and outs of both my digital camera and tripod. Well,if you havent guessed or envisioned what the featured product for the month of November 2013 looks like or remotely even resembles __then as productor tester I guess I'll do the honors first__it's my tripod.
Eventually, I wanted to find out what the craze had been all about and the reason that consumers seemed to ofA  been trading in personal computers for Tablets,_well, at least leaving them at home.
Ultimately, I placed online an order for a NookHD+ then opt to pick up the tech item from the store instead of waiting for it to be shipped to my place of residency.
AA  few weeks with the NookHD+, I was hooked_eventhough, IA  wasna€™t a fan of touchscreen only. And in all honesty, since the beginning of the Smart Phone craze, I had insisted upon that all of my primary tech gadgets used for work, research and blogging had to be equipped with a QWERTY keyboard.
However, in this particular instance,The NookHD+, again, touchscreen only, I made an exception. As I continued to learn the ins and outs of my newly purchased NookHD+ , at the same time, I began to inquire about the accessories compatible with the tech gadget. In doing so, I foundA  the tech item had a Stylus Pen specifically made to use with the NookHD+. Weeks later, I purchased a different kind of Stylus Pen , I noticed while standing atA  the checkout counter at Walgreens,pictured next to this article is that Stylus Pen.
Quite astonishing the Stylus Pen worked wellA  with both of my tech gadgets ( Smart Phone & Tablet). A frequent question a tantamount of consumers and shoppers find themselves entertaining especially during the holidays when manufacturers and retailers offer what they consider to be great deals and bargains. After giving the device a run for its money as well as a brief critique of the various apps and functions,I stated in my review of the Nook HD+ how pleased I was with the tech gadget. Further into the critique, I also commented that I was soooo pleased with the tech gadget that I wanted to protect my investment. Based on my income and budget,I considered the purchase of the Nook HD+ to be a major purchase of the year.
Shortly after, I purchased the Nook HD+,I began to look at the recommended accessories for the tech gadget. Eventually, after I and my Nook HD+ survived the return and exchange 14 day trial period,I chose to protect my investment with a Nook HD+ cover. As I began to search and think of different items that could be the product of the month for September,I began to heavily weigh in on August's product of the month,the Nook HD+cover. Hours later,I arrived to the assertion that there's more than one way to protect your investment. With the assertion___, there's more than one way to protect your investment, I made the final choice to make Smart Phone covers as the product of the month for September. Furthermore, within the past five years,Ive purchased several Smart Phones from Virgin Mobile. To be truthful, I've even purchased Smart Phone insurance,a good choice because a few months later my Smart Phone had an accident.
Despite all of the stuff I tried, sampled, tasted and tested during the recent months, as a result of a long review and critique besides from featuring the Smart Phone as a product of the month,I began to think of the different ways Ia€™ve used to protect my Smart Phone as an alternative product of the month.
For instance,Smart Phone insurance has been one the ways I protect my investment from unexpected accidents. Ostensibly, there's more than one way to protect your Smart Phone from accidents such as, for example, you accidentally drop and break your Smart Phone or in some weird, odd, freak accident as you rush out the door you accidentally step on your Smart Phone or heaven forbids the same thing happens to you that happen to me, a few months ago, I dropped my Smart Phone in the toilet. Without a question, eschewing further debate, Smart Phone insurance is a great investment for consumers and shoppers who use their Smart Phone daily and for work. Best of all, Smart Phone insurance usually saves the consumer from digging deep into their pockets. So, what about before those mishaps and accidents, if you havena€™t figured it out__ there's more than one way to protect your investment.
Even though, at first, I might of skipped over protecting my investments, I am more open to the idea of investing and protecting my major purchases.
Here's an example of what I am talking about, I currently have several Smart Phone covers to protect my Smart Phone from breakage, moisture, and malfunctioning. Varying in price,color,size and shape, most of today's Smart Phone manufacturers and retailers offer to consumers and shoppers Smart Phone covers as an accessory.


From passwords, to anti-theft apps, to screen locks and codes, there's more than one way to protect your investment.
Regardless of the price, and hopefully it is within your budget, a true frugal savvy shopper knows the importance of protecting their investment.
Above everything else,both I and my Nook HD+ survived the return and exchange process,quite remarkable,I even have the receipt to prove it.
Unlike sooo manyA  items, I ve returned and exchanged in the past,__it,meaning my Nook HD+ survived the fourteenth days as printed on the receipt. A business practice that's part of Barnes and Noble store policy that allows customers fourteen days to return an item. In short,the 14th day, adhering to store policy was the final day that I couldA  actually return my Nook HD+ and get cash back. It goes without saying ,I readA  the instructions,totally unavoidable with a new tech gadget,as well as,downloaded apps,and,uploaded wallpapers. Not quite sure,on the day I purchased my Nook HD+__ifA  in fact, I would be satisfied with my purchase,I chose at the time not to purchase any kind of accessories.
As it turns out,I was soooo pleased with my purchase of the Nook HD+,I wanted to protect my investments. It doesnt matter if you're on lunch break,on a mini vacation,at a webinar or conference,filling out an online report or having to send emails can be a hassle if you don't have a wifi connection,a Broadband device is just one of the many tech gadgets that consumers and shoppers frequently use to get an internet connection. Constantly,on the go,I wanted to have access to wifiA  while away from my place of residency. Because,I perform an arrary task that frequently requires wifi access ,I purchased a Broadband to Go device from Virgin Mobile.
Egregiously,as a Virgin Mobile customer and fan,I live by Virgin Mobile products except in the case of Virgin Mobile wifi devices. Recently,I purchased Virgin Mobile's MiFi 2200 to conciliate my worries about not being able to access wifi home. Aside from very slow internet speed,the device could only connect to one tech gadget and,the 3G USB plug n play stick broke too easily. Affordable,great to have on hand for shopping emergencies,the latest in recycling,a recyclable tote makes shopping less of a hassle. Ditching the old biodegradeable plastic bags for a recyclable tote,it's a smart move and a great investment for frugal,savvy,and environmentally conscious consumers and shoppers.Available in most local chain stores and at grocery stores,recyclable totes are becoming the better choice than leaving stores with the traditional biodegradeable plastic bag. Part of a movement to get consumers and shoppers involved in recycling and to think about going green,consumers and shoppers now have the option of trading in those plastic bags for a recyclable tote. A frequent shopper,I usually purchase a couple of recyclable totes to hold store purchases and other stuff.
Eventhough,I like having the choice to purchase a recyclable tote,I havent completely stop using biodegradeable plastic bags.
However,I have to point out the fact that when a consumer and shoppers purchase a recyclable tote they're not limited to using the tote only in that store,that's why they're called recyclable totes because they can be used more than once. In fact, most recycable totes last for more than a week,I should know because I still have a few leftover from the previous month. A great deal,a really good find,a price you wont find anywhere else,and the best price among competitors,I love a great sale and I love rewards for shopping. Savings and Rewards,for most consumers and shoppers,it's all about getting the best price for items purchase daily. From household supplies to groceries,anyone who shops frequently knows consumers and shoppers love a really good sale_,the economic recession of 2008 could be the culprit. In fact,since the 2008 economic recession savings and rewards has become extremely important to American families on a budget. For many American consumers and shoppers,the unexpected downturn of the American economy caused a disruption in their daily activies thus forcing consumer and shoppers to rethink the way they shop and how they shop.
As a frequent shopper and consumer,I am constantly looking for a great deal and sales on items I purchase regularly,mainly because I do live on a strict budget.
Admittedly,after the 2008 economic recession,I rediscovered coupons,and began clipping coupons frequently. In addition to clipping coupons,I also began to check sale ads at home and at the door of stores before shopping.
Along with making a shopping list,clipping coupons at home,checking sale ads at the door and comparing prices,these days one of the best ways to save and get the best deals,I feel without a question has to be with a savings and reward card.
And speaking honestly, a savings and rewards card from your local chain store should be a consumer or shoppers BF(bestie).
A must have for consumers and shoppers who seriously want to save,a savings and rewards card.
Throughout the years, my experience with last minute shopping in most instances was not too pleasant.
Admittedly,I empathize as well as concur with consumers who express sentiments that last minute shopping makes the shopper(consumer) feel uncomfortable and forlorn with the just thought of buying a gift at the last minute.
Often tight on funds to purchase a gift ahead of time,last minute shopping for an overwhelmed consumer with a limited budget could cause the consumer to be late and in some instance not to attend the event or special function. Subsequently, over the years, I have come to realize that last minute shopping it's not the best of fun. As a result, I definitely would not recommend last minute shopping to a consumer as a shopping tip. Unequivocally, shopping for special events and functions such as finding an appropriate could take several visits different stores. Finding the appropriate could mean spending an entire day in a Hallmark store reading cards, it could also mean spending all day on the phone with friend or relatives discussing gift registry,preferences,stores,likes and dislike of the recipient.
Ostensibly,the older you get the adults in your life expect two things from you one not to embarrass them in public and two if you don't have a gift to bring at least show up at special functions on time.
Indeed, an earnest shopper as well as a meticulous shopper knows finding the right gift or card for a special function could require hours of shopping and visiting different stores. Shopping done precipitously could result in purchasing the wrong size,color, or something way out in left field. Don't wait until the last minute to shop for a party,baby showers,bachelorette bash,birthdays,holidays ,and anniversaries avoid uncomfortableness and the feeling of being inadequate,plan the week before.
On certain days, I have even shopped the day of the event that often leaves me feeling embarrassed ashamed, and guilty about my finances even worse depress.
Incontrovertibly,last minute shopping in many instances could causes the consumer to become distraught,exasperated, and disconcerted not surprisingly all the emotions take away from the planned day. What's more important being punctilious for the planned event or arriving with a hand picked gift for the recipient or recipients? Ultimately,the answer remains with the shopper (consumer) The answer should be non bias and based on the event as well as the recipient and not the shoppers wallet . The meticulous consumer that normally keeps track of birthdays, holidays,and anniversaries with calendars,through emails,P DA's ,Smart phones and other tech savvy gadgets of courses would not necessarily share the same feelings of a last minute shopper .



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