Nearly half of cell phone users with contracts said they would consider switching whenever the early-termination fee is no longer a factor.
A constant source of irritation for cell phone customers is the two-year contract, and a hefty early-termination fee if you break it.
So perhaps it's not surprising that a new survey of cell phone customers suggests that one in five consumers with contract-based service -- an estimated 24.6 million American adults -- is likely to switch in early 2011 to less expensive unlimited prepaid wireless service with no early-cancelation penalty.
Imagine a college that is so inexpensive, you don't need loans. A company has come up with a low-cost alternative.
Lately we've been exploring "disruptive innovation": major changes that improve a product or service or lower the cost in such a fundamental way that it has the ability to permanently alter the playing field.
Here's a simple three-step process to make savings a priority instead of an afterthought.
For many people, saving is tough. Between housing, utilities, groceries, transportation, credit card debt, student loans, and other expenses, there never seems to be enough left to set aside for long-term savings. And that's a problem. Most people try to save something out of what's left over instead of saving first.
One of the oldest rules of personal finance is to pay yourself first. All the money books tell you to do it. All the personal-finance blogs say it, too. Even your parents have probably given you the same advice. In fact, it's one of the fundamental tenets of the Get Rich Slowly philosophy.
But what's the best way to do it? What’s the most effective way to pay yourself first?
Kohl's and Sears ads are leaked to the Web.
This post comes from Melinda Fulmer of MSN Money.
Some of the first major Black Friday ads are starting to hit the Web, including department stores Kohl's and Sears. As usual, the huge ads contain hundreds of specials -- 599 doorbusters at Sears alone -- between the hours of 4 a.m. and noon.
But which ones are great deals?
Military members get free meals and wedding dresses, and everyone can visit national parks free.
Nov. 11 is Veterans Day, and a number of businesses are showing their gratitude to the men and women who have served our country with free meals and other perks.
The National Park Service is sharing its gratitude by offering everyone free entry Nov. 11 to all national parks that charge an entrance fee. This is the last fee-free day of 2010, but don't forget that some national parks are always free.
Forgo retirement savings. Skip filing your taxes. Cheat a nonprofit. Are these 'advisers' for real?
"Don't pay off your mortgage early -- you'll lose your tax deduction."
"Get married to save money."
"Don't add to your 401k because the stock market is down."
"Buy a top-of-the-line car -- it's an investment!"
"Don't worry about saving for retirement. The government will take care of you."
All these are actual examples of advice given to readers of the Smart Spending message board. A thread called "Silliest advice to save money you've heard" has collected some real doozies: At least two on the thread are illegal, others unethical and some are just dumb.
You're gaining an hour this weekend. Here's how to use that time to protect your home and your finances.
For most of us, it's time to "fall back" this weekend. So move the clocks in your house back one hour before you go to bed on Saturday night.
- While you're at it, estimate your credit score
But, before you do, here are five suggestions on how to allocate your extra hour to get the most peace of mind -- and bang for your buck.
Would the Kardashian brand cause you to get one of these debit cards? Marketers are counting on it.
And I'm guessing the marketing move will work, meaning you'll pay more for the Kardashian card than you would for other prepaid cards.
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