Home | Ask Your Question | Mortgage Glossary
Find me a lender for:  
Smart Phones Are They Really A Smart Decision By Samantha Goode

First, there was the standard land line phone system; then came the cell phone a convenient little portable item that everyone adopted a must have attitude toward. Progress didnt stop there, however. Now, we have the Smart Phone the answer to the on-the-go lifestyle that demands immediate access to whatever electronic needs that we happen to have, in addition to the ability to phone our family and friends for a chat whenever the whim presents itself.

To be sure, Smart Phones are capable of extraordinary electronic feats, but convenience especially that of the technological variety always comes at a cost, and this one comes with quite a hefty one. The bottom line is that, if you plan to buy a Smart Phone, then plan on paying a visit to the loan officer of your local bank on the way to the store. These electronic marvels are designed to bring true computer capability right to the palm of your hand, but most people will have to put some serious thought into the type of financial commitment that theyll have to make in order to become the proud owner of a brand new bouncing baby Smart Phone.

Pros and Cons of Owning a Smart Phone

Just like anything else, Smart Phones have their bright and dark sides and, depending upon how much youre willing to compromise, theyll either be a great investment for you, or not at all worth the money that youve invested.

Pros

  • For those who, until now, had been carrying around a mobile phone and PDA, this combines the two into one unit, without losing any of the capability of either format.
  • This is definitely a multi-media friendly device, offering the opportunity to enjoy both audio and video files or both, if you prefer without a lot of hoopla.
  • Cell phone software companies have taken quite kindly to the Smart Phone and are fully supportive of it when it comes to developing software thats compatible with these units especially those in the game and entertainment industries.
  • If accessories are your thing, then youll love the number of add-ons that you can purchase to go with your new Smart Phone including those which utilize Bluetooth technology.

Cons

  • Unless you have very good vision, you might have trouble reading the screen on the Smart Phone its smaller and the resolution isnt as sharp as that of a Pocket PC.
  • Text messaging and other text-related capabilities are compromised as a result of the limited text-entry thats intrinsic to these devices.
  • Unlike the Pocket PC, Smart Phones are missing some applications that are critical to some users. Among these are Microsoft products, such as Pocket Excel and Pocket Word.
  • You may be told that youll have nationwide coverage, but the reality is that coverage of that type only includes larger cities with higher populations. As a result, theres quite a menu of non-service areas.

Smart Phone Features

Much like a mini-computer with telephone capability, these devices are often seen as handy little items for meeting most or all of the needs of those who are on the run, but want to have access to their PC and phone service, regardless of where they roam.

  • Cell phone service is certainly one of the major perks of the Smart Phone complete with voice mail. Just as in the case of mainstream cell phone varieties, specific service plans can be purchased for these, depending upon your particular needs and preferences.
  • Internet connectivity is also an available Smart Phone feature, allowing you to retrieve wireless e-mail messages and gain access to search engines and other online goodies. Just pop open your flip phone and jump onto the web.
  • If youre interested in games, the Smart Phone offers those, as well. A variety of computerized games can be played either online or through special software just as if you were using your home PC.
  • Office functions, such as certain Windows or other Microsoft programming, are also available, allowing you to create and store files for future use.
  • If youre bored and have a bit of extra time on your hands, you can even gain access to online movies through the video feature that the Smart Phone has to offer. Or, if you prefer, you can listen to your favorite tunes as a result of the audio features.
  • Photography is also an option when you invest in a Smart Phone. Just as with the mainstream camera phones, these devices offer instant pictures that can be viewed on-screen immediately after theyre snapped. These units, however, are more than just cell phone cameras, so if youre looking for something more, think Smart Phone.

Smart Phone Pricing

Although these have been compared to PDAs on a certain level, Smart Phones are definitely more sophisticated and more compact. As compensation for these conveniences, however, you must be willing to pay a hefty price. Typically starting at about $600 and ranging into the thousands, Smart Phones may be all the rage, but if youre planning to buy one simply for the novelty of it all, then you should save your money and stick with something a bit less progressive.

Keep in mind that additional costs will be incurred in order to establish phone service and gain internet connectivity. That equates to the price of the unit plus the additional charges for basic services and any special features that you choose to opt for all of which can add up to an exorbitant amount of money.

The best way to keep down your expenses is to take the time and effort to do some online research before you make a commitment to buy a Smart Phone or specific service plan that youll need in order to fully utilize all of the features that it offers. By simply typing smart phone comparison into the keyword area of any major search engine, youll have cost and feature comparison information at your fingertips, which will help you to determine which one is right for you if, indeed, any of them are. Is investing in a Smart Phone a wise decision? Only you can decide.


About the Author

Samantha Goode is a freelance technology writer who loves to provide tips to consumers shopping for smart phones, pda phone and blackberry pda.




See Also:

Option One Mortgage Loans - Getting an Option ARM or Option One Mortgage Loan
Have you heard about or been interested in finding out more about option one mortgage loans? They are becoming very popular, but its important to understand how they work before you apply for one. I will describe, in this article, an overview of the most common type of option ARM mortgage loan or ... more...

Having Mortgage Calculators Calculating The Best Loan Option
You need to use more than a mortgage calculator to find out which is the best plan for your needs. Here you have a quick guide to help you decide on the best plan for you.The Different Types Of Mortgage Loan OptionsSo you have decided to purchase your own home and you need to find out which type of ... more...

Option One Mortgage Loans Getting an Option ARM or Option One Mortgage Loan
Have you heard about or been interested in finding out more about option one mortgage loans? They are becoming very popular, but its important to understand how they work before you apply for one. I will describe, in this article, an overview of the most common type of option ARM mortgage loan or ... more...

What You Need To Know About Diabetes
INTRODUCTIONAccording to the World Health Organization, a few decades back diabetes was an uncommon disease, in both developed and developing countries. Today, the story is different. It is currently estimated that over 143million people worldwide are affected by the disease. This figure is ever ... more...


More on type...

Search More Info On:

  • Local Bank
  • Investment Type
  • Purchase
  • Loan Officer
  • Land Loan
  • High Cost Areas
  •  

    Shop For Your Mortgage Now!
    Shop For Your Mortgage Now!

    You'll be re-directed to Top-Lenders.com

    Want to Know Your Rate?
    Get Customized Mortgage Quote Instantly

     
    ExplainingMortgages © 2005 - 2009