Cell Phones and Cellular Calling Plans

Today's high tech world and fast paced living are bringing more and more consumers into the world of cellular communications. As the solicitations and opportunities to "go wireless" rapidly rise, many consumers are asking which, if any, phone and plan is right for them.

Here are some tips when considering the purchase of a cellular phone and wireless plan:

• Know the language. Be familiar with differences between analog and digital service and understand commonly used billing terms such as "roaming charges," "local calling areas," "peak/off-peak calling times" and "home calling areas".
• Shop around. To find the best cellular plan, phone and service provider for you, understand the offers and know what you're getting for your money. Most plans consist of a set calling area with a monthly allotment of minutes. Because there are usually additional fees once you exceed your monthly time allotment or venture outside your coverage area, knowing exactly what a plan includes and what its limitations are can save you a great deal of money and potential headaches.
• Read the fine print. Companies frequently offer great opportunities to use wireless phones at attractive monthly rates. However, these rates are often promotional and/or have time restrictions and regional limitations. Be sure to read all of the available information before making a decision. [Contracts often contain early termination penalties that can be substantial. Search for this provision and have a sales representative indicate exactly what charges may apply if you terminate the agreement early.]
• Keep everything! Holding on to a copy of the calling plan, your contract and any materials sent to apply for rebates or special offers will help you in the event of a problem or dispute in the future.
• Carefully review to your monthly bill to make sure you're being billed at the rates you agreed to and watch out for fees or charges that were not discussed in your agreement.

Remember, cell phones can provide great convenience to you and your family, but be cautious when making a purchase. Being well informed will help ensure you are happy with the level of service you choose.