Monday, July 7, 2008

Cellphone Crisis: How You Can Afford The Bill!

What makes a good cellular phone? Is it the ability to take pictures or record video? Or maybe the music player, 3D wallpaper or touch screen? Maybe you only admire the call quality? Whatever it may be, there is one factor that is certain amung all cellular telephones, and that is the cost! We all know how costly cellphones can be, the added features not making it any easier on us. Some, or maybe even most of us have come to depend on these features and wouldn't know what to do if you had lost them. With inflation, gas and food prices rising it is becoming ever more difficult to keep those services active, so what do you do?

Go prepaid.

In the past, prepaid has been a dirty word in cellular industry. Offering limited services, expensive minutes and horrible customer service, however, all of that is beginning to change. As costs are going up on everything else, more and more people are turning to prepaid for one main reason: You will never get a bill. Now, the cellular companies are no dummies and have taken notice to the trend and are also starting to beef up thier prepaid services to win over the competition. Some examples are: unlimited text messenging, unlimited favorite number calling, unlimited nights and weekends and even unlimited everything (of course certain restrictions apply, but it is a cellphone, remember that). Even thier customer service has pulled a full 180 degrees, offering helpful information and easily correcting problems.

Not that I'm sugar coating the subject, but breaking it down here is what you get:

Most carriers will allow you to use any cellphone you already have so long as it is compatible with thier network and does not already have a service on it. (Example: That old Verizon phone that you cancelled the service on should be elligeble for Alltel's prepaid service!) If you don't know if your phone is compatible, just ask!

New phones can be as cheap as $10! However, these phones only offer the basic necessities, such as calling (includes 3-way/call waiting/call forwarding), text messanging and voicemail. Perfect for the person that "just needs a phone and nothing else" but a very poor choice for cellula-holic. On the flip side, that razor or the like you've had your eye on can cost you $100 or more. Don't run away just yet though, there is a comprimise! Most carriers do have phones in the mid range that offer abilities such as picture messanging, camera phone, mobile internet and even chirp! These phones usually run at about $50-$70.

Competition amung carriers has led them to offer customers a multitude of services and options for your mobile phone! However, all carriers are different so going to thier website, visiting thier stores or calling them to find out more information is always a good idea! But some examples are:

Pay Per Day - This is where you pay only for the minutes and services you use on a daily basis. You buy a card and put minutes in your account, then your per minute balance and service charges are deducted as they happen. (Example: Alltel currently has a deal offering 2 unlimited features for 75 cents a day and all calling minutes are 10 cents. That means that I could get, say, unlimited text messanging and unlimited nights and weekends for only $22.50 a month, plus however many minutes I use such as 300 minutes at 10 cents a minute is $30.)

Pay Per Month - This is pretty much the same as your contract phone exept for one major fact. You will never get a bill. What I mean is that all services and minutes are deducted from your "account", and you fill your account by buying airtime cards or by credit card.

Unlimited - This option is like the pay per month option except with this plan you pay one flat rate to recieve a number of unlimited features (such as unlimited talk, text and web by Boost Mobile Unlimited). However, remember that funds are still with drawn from an "account" and your account is replenished by airtime cards.

One last thing to mention before I go...

A cellphone is a cellphone no matter the plan, so be careful of hidden charges! Always ask plenty of questions before you make a decision, if it looks too good to be true it probably has a flaw somewhere!

Tuesday, July 1, 2008

The Top Ten Ways To Improve Your Fuel Economy


Everyone's felt the weight of ever rising gas prices, including myself. So in light, I thought I'd write for the good people this article on common ways to improve your gas mileage.


We all know that gasoline (and desiel) isn't going to get any cheaper, and if it did, it would be to little, too late. So the question isn't "Where can I get cheap gas", no! You don't want cheap gas anyway! Remember when gas used to be cheap? You would have went that extra mile to get the good gas. But now that gas is getting uber-expensive, people tend to be more forgiving of the fact that some "cheap" gases can contain additives that can actually hurt you engine in the long run!


So here is the question that would make more sense at this day in time, "How can I make my car burn less gas?" According to various sources across the vastness of the internet, the following ten things are widely accepted as the tried and true ways of increasing your car or trucks gas mileage:


10. Remove any unnecessary weight from your vehicle. This means emptying your trunk and back seats of any and all items that aren't required for driving. Unnecessary weight in excess of 100 (U.S.) pounds is said to reduce your mileage up to 2%.


9. Avoid stop and go traffic whenever possible. Yes, that means take the interstate, it could help you to save gas!


8. Keep you car in top shape! Get a tune up! Bad spark plugs and/or timing can kill your gas mileage! Underinflated tires causes more resistace against the engine. Also, using a high quality oil with a friction reducing additive is known to increase mileage.


7. Avoid accessive idling. Idling your car gets you 0 miles per gallon, well, because your not going anywhere. So just don't do it!


6. Use overdrive gears (or the highest possible gear without bottoming out). Doing so will allow your engine to work less while maintaining the same speeds. However, be nice to your engine! Shift down going up steep hills, and shift up going down steep grades.


5. Use cruise control. Using this feature on your vehicle locks in your speed and can actually save gas (especially on long trips).


4. Avoid carrying luggage on top of your car. Yes, that means even if you have a luggage rack! Packing things on the top of your car creates wind resistance which can affect your mileage.


3. Avoid using the your A/C. Using your air conditioner is known to reduce you cars mileage by at least 1 mile per gallon.


2. Refrain from aggressive driving. Sudden starts and stops just waist gas!


1. Refrain from driving over 60mph. I know its hard, especially for the city folk, but its guaranteed to work! Actually, speeds over 55mph are said to rapidly reduce your gas mileage.


So there you have it! The top ten ways to burn less gas!

Thursday, June 26, 2008

A Brief Intermission

I don't think that I've mentioned it before, so I'll go ahead and say it now in this very brief intermission. My blogs, here on this site are for the general populus (thats you) for educational purposes only. I am not a doctor or a lawyer or certified to do anything fancy, so the information that you find here (and most any blog) is to be taken as the writers personal opinion. But don't worry, I don't plan on steering my readers in the wrong direction! Most of the information that I share with you comes from personal life experience, though some things are researched and others are bits of information passed on from a greater source. Credit is given where needed, and I will make every attempt to keep from any form of defamation or libel. If you find a bit of information in this blog that is copywritten by you or someone you know, please let me know and I will edit or remove the blog in question as soon as possible.


Hmm... I think that pretty much covers it. Oh, and comments on any of my blogs are always welcome and apprechiated! (As long as they're on topic. Spam is, of course, not welcome or apprechiated!)


Thanks for reading

Thanks for visiting my blog(s)

Thanks for being a reader!

-Andy

How To Keep You Check Book Balanced

Just a few tips that will help you keep your checking account from accidentally overdrafting now and again. "Who? Me?" Yes, you! We've all done it at one point or another, so here are a few simple tips to help keep it in check. (Especially now that everything so darn expensive!)

Keep an account register.

Whats an account register? Well, remember when you first opened your account they gave you that little book about the size of your check book but all it had were blank lines in it? Well, thats it! All the register is is a small booklet that you can use to record all of your account transactions. Don't know how to use it? Well don't fret! I'll show you how I use mine!



(The form above is a copy of a blank page of my personal register. It has been inserted into this blog and is being used for educational purposes only, which i believe to constitute fair use under U.S. law)



The picture above is what a regular transaction register usually looks like. The fields are usually self explanitory, but I will explain them anyway just to be safe. The first field is usually for recording the check number of the check you wrote or the transaction type if it wasn't a check. For example, if you went to the store and bought, say, and apple in which you wrote a check for. Then, (and I recommend doing this BEFORE leaving the store so you don't forget later) write the check number in this field. The check number can be found at the top right hand corner of any check and is usually in bold letters (ex: 500). If it wasn't a check, you should write the transaction type here. (The usual abbreviations are D=deposit, ATM=ATM withdrawal or check (if fee), ET=Electronic Payment, AD= Automatic Diposit (like direct deposit), T=tax deductable, O=other).

The next field is the date (self explanitory) just the day and the month though, because you should use a new register for each year. Then comes the description. This field is a benefit to you. There will be times when you look at your account balance and wonder something like, "when did I spend $50?" or "What cost me a $100??" This makes it easy! Just jot down something easy to understand in the future like: Groceries or Water Bill or TV. If you visited an ATM that charges a fee for you to check your balance, recording something like "ATM for BALANCE" should jog your memory as to where that $2 went!

The next field is the payment or debit field. In this field you record the net total of the transaction (only if money was withdrawn or spent, this field is not for credits or deposits). For example, if you went grocery shopping and spent $100.00, you would record it here. (if you have a fee when purchasing a product or withdrawing from an ATM it is a good idea to just add the fee to the net total of the purchase price and record it as one. EX: if you withdrew $50 and the ATM fee is $2, then just record $52 and check the FEE? box in the next field. Other wise you can record the fee as an individual transaction (which may be easier for some people))

The next field is the Deposit or Credit field. Use this field to record a deposit to your account or a credit (such as a refund). It is a good idea to record all deposits seperately, its easier to keep track of your money this way.

The last field is your BALANCE field. You may need a calculator for this one! (If you don't have a small calculator, use your cellphone! Most cellphones have a calculator function! Nifty, huh?) The first field at the top of the page should have your beginning balance, then as you accrue transactions you should add or subtract from this and add the sum or difference to this field.
NOW, let me demonstrate how easy this actually is:




What this page tells me is that at the beginning of june my balance was $500.00. (Sometimes registers dont have a line dedicated to recording your beginning balance, if so it is a good idea to dedicate the first line of the register to this purpose like above) Then on June 1st, I paid $30 on my water bill which left me with 470.00 in my account, and the check number was 500. (its important to record the check number in case for some reason you had to check the status on a check you wrote). Then on the 2nd, I used my debit card to buy $100.00 of groceries, leaving 370.00 in my acount. (It is important to record all transactions as you make them, especially your check or debit cards, so you wont forget later!) And lastly, on the 3rd I deposited my paycheck of 500.00 into my account, giving me a new balance of 870.00. (if you decide to deposit only a portion of your paycheck, simply record that amount only. Also, it is important to remember that at some banks funds deposited are not available for immediate withdrawal. Sometimes it may take a couple of days for the deposit to show!)

And thats it! Now that wasn't so hard, was it?

What Cellphone Companies Don't Want You To Know About The Internet

Did you know that you can get the internet on your laptop or desktop computer wirelessly through your cellphone? Yes! By "tethering" or connecting your cellular phone to your computer by means of a data cable (or now bluetooth) you can access the internet.

So whats the catch? Since you asked so politely, I guess I could give you the details. First of all you'll have to buy a data cable. (You can also use a bluetooth connection, but we'll get to that in a minute.) Data cables aren't really all that cheap anymore, probably because it gives you the ability to circumnavigate the cellphones programing or unlock the phone to another carrier (with the right knowledge and tools), or upload your own wallpapers or ringtones without buying them from your carrier. (I can't prove that the forementioned statement is in fact the reason for the prices or that one could actually do the things mentioned with the equipment, however, thats what I hear). But moving along, you'll need the cable and its accompanying computer software. Secondly, you will have to call your cellular carrier (or visit them) and ask about their DUN or Dial Up Networking services. If they look at you like your crazy, ask about getting the internet for your computer by "tethering" your cellphone to it. (Be sure to use the word "tethering" in there somewhere, for some reason it seems to jog their memory). Some of the majors carriers may try to play it off like they don't know what your talking about and refer you to their uber-expensive internet cards. Don't fall for this trick. Most internet cards will cost atleast $60.00 + a month to maintain service and cost hundreds of dollars for the equipment up front. (I don't mean to bash the cards, they are a reliable internet source, especially for laptops on the go. But they are uber-expensive for just the internet). Most DUN services will only cost around $20 to $30 a month to maintain and require no more hardware than the cellphone you already have and a data cable.

I promised you some bluetooth info, so here it is. Some phones that have bluetooth technology built in them may be able to establish a "Virtual Serial Connection" with your laptop or desktop computer. (The data cable is a regular serial connection) A lot of the new laptops on the market now-a-days are bluetooth enabled, and if not buying a bluetooth accessory is very easy and cheap. Discount retailers like Wal-mart offer them for $20 - $30, or you can order online from wholesalers for as cheap as $3 - $5 (www.geeks.com, www.newegg.com, or search for "bluetooth networking"). But anyway, establishing a Virtual Serial Connection makes a constant bluetooth connection between the computer and the phone that allows for not only the internet, but also the transfer of pictures, music and videos between the two.

Now about the cons of the service. (You knew this was coming, there are always cons to everything). First of all, this is NOT high speed internet. This is dial-up speed internet. (Although some phones and carriers have the ability to share broadband with the computer, don't count on it) But, even though it is dial-up, it is just right for the person on the go that has to check stocks, upload a paper, check email or something rather quickly on the go but don't need super dooper internet speeds. Secondly, don't try to get the internet without talking to your carrier. You could accidentally accrue an ungodly amount of data access time that you now have to pay for and it could cost thousands. So talk to your carrier! (With some carriers DUN is NOT covered under an unlimited data access plan!) I repeat TALK TO YOUR CARRIER FIRST!!! Find out what you need to make it work, what its gonna cost in the end and everything. Don't leave their office or hang up the phone until you have all the facts! (Remember, cellphone companies are notorious for hidden costs, so ask plenty of questions.)

So to wrap it up:

PROS: Cheap unlimited wireless internet access that operates anywhere you can get a cell phone signal.

CONS: Slow dial-up speeds. May have to buy a data cable. May have hidden fees (suprise suprise, eh?) so ask plenty of questions.

Wednesday, June 25, 2008

Things You Need To Know About Your Flash Drive!

The hidden dangers (obstacles more or less) of using an optical drive (flash / jump drive)!

Did you know? That a jump drive or flash drive, even though it has a tough plastic case, is as delicate as the parts inside your computer? Yes, these optical drives are as delicate and as electrostatically sensative as the parts inside your computer! Now, I'm not trying to scare you off from using an optical drive, but rather to warn you of the cons of using such a device, since most people don't know them!

First of all and contrary to popular belief, optical drives are electrostatically sensitive! What that means is that the circuit or chip inside of the drive is sensitive or "vunurable" to static shocks. These shocks can be very very small, even small enough that you wouldn't even feel them. However, they could damage the drive permanently! Meaning that your information could be unrecoverable! So take heed, always ground yourself before handling ANY computer hardware or accessories.

How do you ground yourself? Simply touch a metal object close to you that is in contact with the floor. For example, before removing the cap of your flash drive, simply touch the outside case of your computer (if it is metal). Doing so will cause any residual charge you may hold to be disipated! Also, if at all possible, refrain from touching the actual conector of the drive, or better put, the part that connects to the computer.

Next, when using your flash drive be sure to deactive or turn it off before removing it from the computer. (Some people tell you that you don't have to do this, however, doing so will help prevent a small short circuit when removing the unit). When using Windows, its as simple as right clicking the remove hardware icon (grey square with a green arrow on your task bar at the bottom right of your screen), selecting your hardware and then clicking remove. And tada! Thats its!

And lastly, never defragment your optical drive. Defragmenting a hardrive on your computer makes it work faster because it groups information togethor on the disk so that when you need to use it the electronic arm inside of the drive doesn't have to travel very far, therefor saving time. Defragmenting an optical drive is completely different though! An optical drive has no moving internal parts, thus it doesn't need to group the information to work faster. Actually, the algorithems of an optical drive are built to purposely write your data all over the place. It does this so not to write data on the same spot over and over, doing so can shorten its life, which is exactly what you'll be doing if you decide to defragement it. So DONT!!

I told you that I wasn't trying to scare you! Just remember my tips and you'll have a long and happy life for your optical drive!

Tuesday, June 24, 2008

FM or .COM? To Stream Or Not To Stream?

The wonders of internet radio. Its a vast market that (in my personal opinion) offers atleast ten times the content and atleast one hundred times as customizable as its third world cuz, the "FM" radio. By switching from conventional radio to its new rival, the "internet" radio, you have now increased your ability to customize your listening preferences by worlds (literally). You are no longer bound by the broadcasting range of your local radio stations.

Well, what I mean is that you are no longer restricted to...say... the 10 radio stations in your local broadcasting area, but rather have been opened up to a nearly unlimited amount of stations and genres. Hooking your computer up to a sound system makes it no different now than any other system you have!

Did I mention that most internet radio is FREE? Yep, costs no more than its elder cuz, "FM".

If you have the right equipment, it can also be made portable. Such as any phone or micro-computer that have the ability to play back streaming media should be able to play back internet radio, not to mention any wireless internet enabled laptop is able. (Note: I've even heard that Playstation Portable PSP can even play it)

Now about the quality. Though in the old days quality was a little weak, most internet radio companies are switching to high quality or broadband broadcasts. Whats this mean for you? It means that now you have unlimited access, for free, to an unlimited high quality music system. You don't even have to buy the radio, just connect to the internet as you always do and there it is! Most media players (such as Windows Media Player and Real Player) have high quality internet radio built into them, its a simple as clicking on the radio tab. Other Radio stations are freely available on the web (such as http://www.last.fm/ and http://www.live365.com/).

So what are you waiting for? Go ahead and hook up to your new radio!








(PS. Wireless internet radio from Freecom. Plays internet radio without the use of a PC. Streams also MP3 music from your computer or network via WLAN.)
(PPS. Many local radio stations are now beginning to stream their broadcasts online, so be sure to check your favorite radio stations website to see if they are one of them!)