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  • Mobile Ringtones: Uncover Simple Ways To Add Personalized Flavor To Your Device

    By David

    From time to time, various kinds of mobile ringtones are released, and many people are crazy about this trend. The range of options available is wide, from the good oldies to Bollywood hits.

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    Re-discovering the importance of ringtones

    Apart from the fact that mobile ringtones let us know when we have incoming calls, they also serve as a means of expressing our personalities. Personalized ringtones also make it easy for us to differentiate our phones from others in the room, reducing the odds of that awkward moment when you reach for your phone only to find out that you do not have an incoming call.

    Choosing a mobile ringtone that reflects ‘you’

    A wide variety of mobile ringtones are available today, and your choice depends on your personal preferences.

    You can choose from current popular songs that are downloadable from ringtone sites at a small cost, and you can change these ringtones whenever you like. These ringtone sites have a wide spectrum of music to choose from, including oldies, folk music, jazz, country music, and blues just to name a few.

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    Lovers of Mother Nature can use various sounds from natural sceneries such as the splashing of water on a rock that is close to a waterfall. Such ringtones are meditative in nature and can even be beneficial to those who suffer from insomnia.

    If you still like to live a part of your life in the good old past, you can always stick to a traditional ringtone that actually rings.

    Creating mobile ringtones for your mobile gadget

    If you are the adventurous type of person that likes to have personalized mobile ringtones, you can create them with the use of an audio converter. It lets you edit a track to a compatible format and then upload the new audio output to your mobile phone through Bluetooth, Infrared or USB connection.

    Here are the required steps:

    • Open the audio converter. To upload it, click ‘Add File’ and browse to where the audio file is located on your PC. Once selected, click ‘Open’, and it will be imported onto the edit interface of the program. Go to ‘Editor’, and then double-click the audio file to move it into the edit interface.
    • If you do not like to use the whole audio track, just delete an unwanted portion.  Select the portion with the mouse and then use ‘Delete’ to remove it.
    • Go to the ‘Convert’ and save the edited file into a format that your cellular device supports. Simply click on the icon of the supported format. Save the output mobile ringtone you have created into an output folder on the PC. Click ‘Convert Now’, and the program will convert the file.

    While everyone is not a fan of mobile ringtones, they are an excellent way to personalize your phone and showcase your personality.  Pretty much any sound can be converted into a ring tone, so what are you waiting for?

    Click here to compare cell phone plans. Free phone with activation.

  • Deciding Between Mobile Carriers In The USA

    By David

    In the United States of America, there are a number of different options when it comes to deciding between mobile carriers in the USA. As a result, it can be difficult to know which carrier is going to be the best fit for you. To help with this, we have provided a guide below to help you choose the best carrier for your situation.

    Review the best mobile carriers in US. Find out how you can get a new phone for $0 with activation.

    Coverage

    The first thing you will want to look for to help you in deciding between mobile carriers in the USA is each carrier’s network coverage. This is usually prominently displayed on or right off of the main page and will show you a map of the United States and typically large chunks of area colored to indicate that you would in fact have coverage in that area. Often times, you will want to look into this a little closer to be certain the representation does not include sections of other networks where you can get coverage through roaming which will typically result in additional fees. As long as the carrier covers the areas you frequent, do not rule them out just yet.

    Plans & Features

    Next take a look at the plans and features available for each of the carriers you have not ruled out yet to help you in deciding between mobile carriers in the USA. Most of the carriers will have a few basic plans including a number of minutes that you can talk as part of the plan and often times some sort of texting and data plan as well. If a company only offers a basic plan with minutes, check out their services or features as well to see if you can add anything to the plan to make it work the way you want it to. Often, these custom plans are the best way to get what you need without paying for things that you don’t need.

    Review the best mobile carriers in US. Find out how you can get a new phone for $0 with activation.

    Cost

    The last metric you will want to consider when deciding between mobile carriers in the USA is the costs for each plan that is still on the table. By now, you will have ruled out those carriers that do not cover your area and those who do not have plans that provide what you need, as well as plans from carriers still in the competition that just aren’t going to work for you. Now compare the prices for the various plans still available and decide which one gives you everything you need and maybe even some additional things that you want for the best value. While this can be one of the more difficult processes to complete, it will ultimately lead you to the best plan available. If you have difficulty with this, rule things out one at a time until you are left with only one plan.

    Now that you know how to compare the different mobile carriers in the USA, you can make informed decisions about the different carriers and select plans and services that are ideally tailored to your specific needs.

    Review the best mobile carriers in US. Find out how you can get a new phone for $0 with activation.

  • Wireless Cellular Phone: Getting The Best Deals For Free

    By David

    Without any doubt, the present times are noted for an ever evolving development of wireless connectivity as several kinds of gadgets are being introduced into the market from time to time. Today, amongst all, the use of wireless cellular devices takes the lead in the life of the modern man. In many developed parts of the world, the number of cell phones floating around actually exceeds the number of people.

    Click here to compare wireless plans. Free cell phone with activation on select plans.

    Would you like to get a free wireless cellular phone?

    As a result of the increasing demand for mobile phones and the competitive mobile phone market, many cellular network carriers are making strong efforts to get more customers. Owning a cell phone has been made easy through wireless carriers that offer their devices at a considerable discount. The best offers, however, comes from those who give out free phones under a 1 or 2-year service contract, provided you meet their credit worthiness standards, and you promise the timely payment of your monthly calling plan fees. If you default, you would lose the deal, and significant penalty fees would be charged for breaching the contract.

    On the other hand, the free wireless cellular deals might earn you some money through a cash rebate since most of the cellular phones come with instant and mail-in rebates that could get you a few hundred bucks.

    Click here to compare wireless plans. Free cell phone with activation on select plans.

    What should you look for during your search for a cell phone?

    You should consider the following factors when you want to purchase a new phone, or want a free deal from a network carrier.

    • The phones are usually locked to the included SIM of the carrier.
    • The wireless cellular gadget should have up-to-date features and functionality that would suit your needs.
    • Cellular service plans could be somewhat expensive when you are tied down to a contract.
    • It is possible to transfer a wireless phone number into a new one when you want to sign up for it.

    As awesome as wireless cellular phones can be, they do have a few drawbacks. Here are a few worth mentioning:

    –          Bluetooth functionality is limited to voice calls.

    –          Speakerphone feature only gets activated after a call is initialized.

    –          Media feature typically lacks an FM receiver. Huge drawback for music lovers.

    Indeed, wireless cellular connectivity is highly crucial to individuals and businesses who want to stay in touch with others on the go. In your search for the best deals, try to consider the pros and cons of every offer you get. Wading through the numerous types of cell phone, features, and plans to figure out which one is right for you can be a quite daunting task, but with a little patience, you will be able to narrow down the field and find the right one that addresses all your needs.

    Wireless communication devices will only increase in popularity in the coming years, and it will be interesting to see what the future holds for cell phones.

    Click here to compare wireless plans. Free cell phone with activation on select plans.

  • Free Mobile Phone Offer

    By David

    If you have done any shopping around for mobile phones recently, you have probably seen all kinds of deals for free mobile phones. But are these phones really free? Below we will explore the possible answers to this question as we try to uncover the truth.

    Click here to compare free mobile phone offers. Low cost cell phone plans and more from the best carriers in the market.

    The deal

    The typical deal associated with a free mobile phone offer is that you will get to pick a phone that you want so long as you sign up for a mobile phone plan from that dealer. Typically, there are only a few plans that you can choose from for these deals and they tend to be a little more on the pricy side. Still, there are exceptions and many people feel the deals are worth it.

    The phone

    The kind of phone you will be able to get is probably considerably less appealing than you will have originally imagined it would be. Usually these “free phones” will be from a couple years back or perhaps even a more recent phone that has been factory refurbished. A factory refurbished phone is essentially a used phone that has had certain parts replaced or repaired to bring it back up to factory standards. Often this will mean little more than it has been cleaned and repackaged, but they are checked for flaws and correct operation before being redistributed. Typically you will be able to opt for a better phone and get a substantial discount on it, but these phones can hardly be called “free” as you do have to pay something up front for them. The type of phone you choose to go with will of course be up to you.

    Click here to compare free mobile phone offers. Low cost cell phone plans and more from the best carriers in the market.

    The catch

    In order to get your free mobile phone or discount on a new phone, if that is the route you went, you will have to sign a contract (for new customers) or a contract extension (for existing customers) typically lasting for about 2 years. This contract is simply a way for the company to keep you as a customer without having to provide exceptional customer service or other perks and benefits in order to do so. Often times, you will find yourself in need of a new phone before your contract is up, forcing you to sign an extension in order to get another phone leaving you constantly trapped with whichever company you choose to use. There is a way out of the contract if you decide their services just are not worth it anymore, but breaking a contract early will typically result in a hefty (often $200 or more) early termination fee, that many users simply cannot afford. The best way to avoid getting locked into a contract is to buy your cell phone upfront and then sign up for service using the phone you already have. Many used phones of high quality can be found online for a reasonable price.

    Now you know the truth about free mobile phones. When shopping for a new plan or service, be sure to do your research and remember that nothing is truly free.

    Click here to compare free mobile phone offers. Low cost cell phone plans and more from the best carriers in the market.

  • Are You Looking For A Credit Card With No Interest? Discover Hidden Secrets

    By David

    As a matter of fact, the use of credit cards has helped many people meet their basic needs, most especially when they do not have enough cash to do so. Today, a lot of users are looking for the possibility of getting a credit card with no interest rate, simply because they want to be able to buy goods without having to make an upfront payment, and without having to pay an interest on their balance.

    Click here to compare credit card offers with no interest (0% APR). See how much you can save every month.

    Credit cards versus interest rates

    Sometimes, you might see an advertisement from an issuer that you could obtain a credit card with no interest. Could it be true? Obviously, some are just marketing tactics, but then again, there are lenders that offer genuine 0 percent interest credit cards. Sometimes, the zero interest rate on credit cards may be an introductory offer upon which you can build a balance after applying for it. When the introductory period finally comes to an end, your credit card would revert to the initial interest rate associated with it. So, you would have to start paying interest if you have a balance on your card, and the rate can vary from 7% to 30%, depending on your current balance as well as the issuer of the card.

    Standards of providers offering zero % credit cards

    As noted earlier on, getting a credit card with no interest is beneficial to those who have a balance on their other lines of credit as they could afford to pay it off by balance transfer. Similarly, such cards are ideal for individuals who typically only make their minimum monthly payments.

    Review the best 0% credit card offers. Zero APR for almost eighteen months.

    However, most credit card providers are pretty strict when it comes to determining who qualifies for a 0% credit card. Factors considered include:

    • Records of late payments
    • Opting for balance transfers
    • Switching from one card to the other as a way to enjoy low or 0% interest
    • Applicant’s financial history
    • Job security or employment stability

    Generally, they do not want people who would have a hard time meeting their monthly obligations.

    Factors to consider when looking for an offer

    Here are a few things you should do when looking for a credit card with no interest:

    • Find the details on charges, including the penalties on offers.
    • Find the details about annual fees. Ensure that it is no more than a 2-digit figure.
    • Properly check if there are hidden charges.
    • Find out the Annual Percentage Rate (APR).
    • Find out whether the card is useful for both purchases and transfers or either of the two options.

    In all cases of your quest for a credit card with no interest, it is quite crucial that you pay up your bills when due so as to stay in control of your debt. Before making a decision, be well-informed on the terms and conditions that are associated with all existing credit cards on the market.

    Review the best 0% credit card offers. Zero APR for almost eighteen months.

  • Cell Phones And Wireless Technology

    By David

    In the past decade or so, much has changed in regard to cell phones and wireless technology. New inventions and new advancements have enabled our portable phones to get much smaller and allowed us to do things wirelessly that we before would have thought impossible.

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    Cell phones

    Probably the most obvious advancement in the area of cell wireless technology is the handheld unit itself. When cell phones first became available, they were large brick like devices that were somewhat less reliable than what we have today, and believe it or not, could only be used to make phone calls. Thanks to continued research into the development of microprocessors, our cell phones have continued to get smaller and now have computing power that rivals and now even beats that which was available in your common household computer only a few years ago. As the devices have gotten smaller, their storage capacities have grown larger, and their uses more varied. Now people use their cell phones for a variety of tasks including making phone calls.

    Wireless technology

    On the other end of the spectrum, the advances in the area of cell wireless technology, even in just the last few years, have led to a host of useful developments. The most notable is of course is the amount of data that can be sent at a time through a wireless connection. Only a few years ago, networking technology was dealing with the wireless a standard which offered little more than 2 or 3 Mb (Megabits) per second. Then arrived the improved wireless b standard offering 11 Mb per second, more than tripling previous rates and making wireless technology a viable alternative to standard wired connections in some situations. Wireless g came next offering a staggering 54 Mb per second, nearly half the speed of a standard wired connection at the time. Now we have the wireless n standard which offers about 100 Mb per second and making possible large home networks with many connected devices, without the need to run cables through your entire house.

    Click here to compare cell phones and wireless plans

    Fusion of technologies

    Of course, cell phones and wireless technology did not develop in a vacuum and actually advanced together making them inexorably intertwined. The cell phone networks we use every day are really just a massive extension of the same technology we use in our own homes and cell phones, just smaller versions of the computers we use for all sorts of things. Now features are even coming out that allow you to access data through your home wireless connection instead of the cell phone network, as well as make phone calls using your wireless network at home rather than connecting to the nearest tower. These features not only reduce costs, but expand the wireless network to anywhere you can get internet access.

    It is amazing what kind of new developments can come in only a few years’ time. Who is to say what new technology is just on the horizon and how it will change and shape our culture?

    Click here to compare cell phones and wireless plans

  • What Does Finance Rate APR Mean

    By David

    If you have been trying to get a loan or credit card, you have probably wondered what does finance rate APR mean? In order to answer that question, we will take a look at what it is and what it does in terms of your loan.

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    What is APR?

    APR stands for Annual Percentage Rate and understanding it is absolutely vital for answering the question “what does finance rate APR mean?” As you have probably assumed from the name, your APR is the percent rate that you will pay on your loan each year and will play a large part in determining how much you will end up paying back on your loan each month. It is also important to note that your “finance rate” and your “APR” are essentially the same thing so do not allow the different terminology to confuse you.

    How is APR determined?

    Your APR is determined by a few different factors that will be considered together to determine your rate and help you answer the question “what does finance rate APR mean?”

    1)      Credit score – Your credit score is going to play the largest role in determining your APR on your loan. The more credit worthy you are, the higher your score will be, and thus the lower the APR on your loan will be.

    2)      How much you are borrowing – The amount you are borrowing will also have a decided impact on your loan. The greater the amount, the higher the risk for the lender and thus the greater the APR.

    3)      How long you are borrowing it for – The length of time you are borrowing the money for also has an effect on your APR. The longer you intend to borrow for, the higher the risks to the lender and thus the higher your APR

    4)      Special circumstances – Sometimes, other factors will influence your APR like where you live, special offers from the lender, or in the case of a car loan the type of car being purchased. These will vary from situation to situation and have different effects on what your APR will be.

    Click here to compare 0% APR credit card offers. Compare and find an offer that is best for you.

    How is APR calculated?

    Since most loans are going to be for more than a single year, your APR will be applied to only one year at a time and will use the balance remaining to be repaid at the start of the year as the amount to determine your interest from. For example, if you got a home loan for $50,000 that you intended to pay off over 10 years with an APR of 5% the interest on the first year would be a total of 50,000*0.05=2,500 or $2,500 for the whole year. This of course would be split up equally over the 12 months of the year and paid along with a chunk of the principle each month. If you wanted to figure out your interest for the second year, you would do the same thing, but with the second years’ starting balance.

    Now you know what APR is and how it will affect your next loan.

    Click here to compare 0% APR credit card offers. Compare and find an offer that is best for you.

  • How Can I Make Some Extra Money?

    By John

    People are increasingly looking for ways to make extra money these days. They say that they are already saving as much as they possibly can, but it’s still not enough. We are not looking at this from a tycoon’s point of view, but from that of the average family with a typically modest income.

    Click here to compare money saving offers on all your monthly bills. Compare offers (free) and find out how much you can save every month.

    So we are not talking trading stock-options here, or buying a soccer team, but rather how you can earn a little extra money through some creative thinking. And you probably have more options than you ever realized. First, here is a caveat:

    Be skeptical about get-rich-quick schemes

    They sound awfully attractive to someone who is hard-up. A lot involve affiliate marketing or SEO projects. Maybe there are some which, as promised, make people millionaires within a year, other than the guy who dreamt the thing up, but you have to wonder why the world and his wife haven’t already done it and become millionaires. It’s well worth researching such schemes and reading the reviews and running them through scam-searching websites before you take the plunge.

    Then there are lotteries. You know the odds on winning those ….

    If you want a more certain outcome, we believe it’s better to look closer to home. Here are our favorite tips on how you can make some extra money:

    Be creative

    If you have any sort of artistic streak, try arts and crafts, using unwanted or old materials and furniture. You can also forage for interesting flowers, leaves or bird feathers near your home or driftwood and seashells from the shore to incorporate into your creations.

    You can sell your CD and DVD collections (back them up first). You can sign up with an agency and sell your digital photos.

    Have you any spare space in your yard? Try renting it out for someone to park their car or use it as storage space.

    Click here to compare money saving offers on all your monthly bills. Compare offers (free) and find out how much you can save every month.

    Sell your services

    People always want help with all manner of things, besides the perennial dog-walking and baby-sitting and grass-cutting. You may discover you have a talent for gardening or landscaping. You can run errands for the elderly. You can become a tutor, especially if you have a specialization.

    Go online

    If you are internet-savvy, you can join a freelance agency and design websites and landing-pages. You can start your own website or blog and make money. You can sign up with marketing research agencies and become a product reviewer, or mystery shopper, or take part in online paid surveys. A word of warning: research these agencies properly before you sign up to ensure that you are in line to receive an actual benefit.

    Other agencies will pay you to write articles for their clients. You can write articles based on a topic or theme laid down by the client, or you can write articles on topics which interest you and put them out there and hope that someone will buy them. Most people have latent talent in this area, or at least a degree of specialized knowledge and this is a great way to spend your spare time and earn a few bucks.

    Become a trader

    Go to garage and yard sales, auctions and thrift sales and see what you can pick up cheaply for resale online. Buy cheap and sell for profit. There is somebody in the market for pretty well everything that anyone wants to sell nowadays and it just takes some patient on- or off-line searching to find the person who wants what you have to sell.

    Taken item by item, the extra money you can make from most of these ideas may be modest but it all adds up.

    Click here to compare money saving offers on all your monthly bills. Compare offers (free) and find out how much you can save every month.

  • Wireless Phone Service

    By David

    With more and more cell phone carriers and services popping up each year, it is no wonder it is getting harder to know what to look for or even what is available. If you are new to the world of cell phone use, you probably have a lot of questions. Below we will take a look at the basics of wireless phone service.

    Click here to compare wireless phone plans. Free phone with activation.

    Talk

    The most common and probably the most familiar element of a wireless phone service plan is the talking aspect. You sign up for a plan, receive a phone, and pay each month to talk on the phone. The plan you sign up for will determine how many minutes of talking you can do before incurring extra charges and most plans will include free nights, weekends, or mobile to mobile minutes on the same network (phones using the same provider). There are many different plans with different price points to meet most any need.

    Text

    One of the latest and greatest additions made in recent years to the world of wireless phone service is the ability to send and receive text messages. These are typically short two or three line messages you can send to a person to say something in a few seconds that would typically take a 3 to 5 minute phone call to communicate otherwise. Wireless phone service providers often include a number of texts or domestic messages as they are sometimes called in their phone plans. If your plan is just talk however, you can still typically add this on as a service after the fact for a little bit extra each month. This is helpful for making a customized plan that gets you what you need, and what you do not for the least money each month.

    Click here to compare wireless phone plans. Free phone with activation.

    Data

    The advent of the “smartphone” as it is called has necessitated that wireless phone service providers begin offering data to their cell customers. In fact, a number of the newer phones won’t be able to make or receive phone calls or text messages at all without a data plan. Because of this many providers are now including a chunk of data usage into their basic plans and provide the option to add data services to pre-existing plans that don’t presently include them. Data can become very expensive very quickly on a pay per MB (Mega Byte) plan, which is why going with even the most basic data plan can save you money if you intend to surf the web from your phone, check emails through your device, download applications to your device, stream (play directly from the internet) music or videos on your device, or participate in social media sites from your device. If however you are using a non-smartphone or you don’t ever do any of the above activities, you may not need to worry about data.

    While there is much, much more to know about wireless phone service these basics will help you to get started deciphering the cell phone jargon that keeps these devices shrouded in mystery for new users.

    Click here to compare wireless phone plans. Free phone with activation.

  • What Does APR Mean For Loans

    By David

    APR (annual percentage rate) seems simple enough. You borrow “x” amount of money and you pay “y” interest on that money. However, it is never that simple and answering the question “what does APR mean for loans?” is no exception to the rule.

    Click here to compare low interest loan offers.

    APR

    Before we can get down to answering the question “what does APR mean for loans?” we first need to take a look at what APR is. As you are likely aware, APR stands for Annual Percentage Rate, and as it implies, this is the amount of interest that you will have to pay on your loan each year it is being borrowed for. APR is typically a pretty good metric for comparing one loan to another, however there are other considerations that should also be taken into account.

    How it is calculated

    Now that we know what APR is we can take our next step in answer the question “what does APR mean for loans?” by taking a look at how it is typically calculated. In the average loan you will be making payments on a monthly basis. This means your APR will typically be divided by 12 (the number of months in the year) and assessed with your payment each month. So let’s take a look at how that would be calculated. Let’s say you got a loan for $100,000 with an APR of 5% that you were going to pay off in 10 years, we would first need to find out how much interest we would be paying for the first year of our loan, so we multiply our interest rate by the amount borrowed. The equation will look like this: 0.05*100,000 = 5,000. We then take this result and divide it by 12 (the number of months we will be paying on the loan this year) to find out how much interest we will be paying each month. That equation will look like this 5,000/12 = 416.67. This means each month we will pay $416.67 in interest. Now to find the principle we will pay each month, we need to divide the borrowed amount by the number of months in the full term of the loan. The equation will look like this: 100,000/120 = 833.33. Finally, we add our principle and interest together and get the monthly payment. The final equation will look like this: 833.33 + 416.67 = 1,250 or $1,250 each month. To find your payments for subsequent years follow the same procedure, but replace the total borrowed amount with the remaining unpaid amount in each instance.

    Other considerations

    When shopping around for the right loan, even though APR is a good measuring stick for comparisons, it is not the only thing that should be considered. Often, there are other fees and expenses associated with the loan application process that should be factored in before choosing which loan to go with. These fees will tend to vary from business to business so be sure to keep an eye out for them.

    With the information above, you should be able to make an informed decision about what loan is right for you.

    Click here to compare low interest loan offers.