Did you know that over 4.5 million mobile phones are either lost, stolen or damaged each year? And check this stat out, over 855,000 mobile phones are dropped in the toilet! That’s a staggering £342 million we’re loosing each year. No wonder that iPhone insurance 3G is something that you need to consider seriously - after all iPhones are one of the most expensive phones on the market today.

They are some pretty crazy stats right? And considering that I lost my iPhone twice last year, without insurance, I wish I had of known this earlier. But why didn’t I have iPhone insurance 3G? Well its because the high street providers charge an arm and a leg, last time I checked it was roughly £15 per month. And I thought that they had the market cornered until I did a bit of research online and found some pretty cool little loopholes and products which will save all of you LOTS of money.

Just imagine what it would feel like to wake up the day after a big night out, only for you to remember that you left your iPhone in a cab, or dropped it in a drink. Have you experienced this scenario before? I know I have. My advice to you, is to act quickly and make sure you get your phone covered. Even a second hand iPhone 3Gs will cost you over £300 - its not pocket change.

MY TOP 3 TIPS ON HOW TO SAVE MONEY ON iPHONE INSURANCE 3G

1. Search online to find a good independent insurance company - Most of the companies I found were online, independent and offered up to a 50% saving on your high street providers cost per month. Seriously guys, its not rocket science. Get onto Google and spend 5 minutes doing a bit of research. Make sure the cover allows you a new phone within 24 hours.

2. Check your home contents insurance - Probably a loophole that many of the general public don’t know about. Prepare to jump through hoops, but these guys should cover iPhone insurance 3G within their policy. Just make sure that you investigate your no claims bonus protection. You don’t want to lost your no claims bonus after years of no claims on your house. The only issue with this kind of protection is that you will probably be left without a phone for a few days until the claim gets sorted.

3. Check you bank account - Again, not an option many people would know about, especially in this day and age when the banks aren’t very popular with the general public. I know for a fact that Lloyd’s TSB premier account offer free mobile phone insurance as part of their package - even though its not very well advertised. Be prepared to work for your claim though! They don’t like paying out quickly.

So there you have it folks, a pretty simple 3 step process which will allow you to skip the high street providers and save a lot of money.

My number one loophole however is going with an independent company, mainly because its hassle free, fast and offers the best value for money. The most impressive product researched was found at Cheap iPhone Insurance

I have also developed an iPhone 3Gs Insurance website which will go into much more detail than written here. Check out a few more fantastic, free tips!

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San Francisco, CA (PRWEB) February 28, 2010 — Selling Architect, a leading provider of integrated sales empowerment platforms, today announces that its next release of its popular platform will…

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Prepaid phone cards rates to be {competitive|viable|likely|economical|good|inexpensive|cheap} in the market. All prepaid phone cards companies find many ways to create cheaper rates to increase their sale. Most of the customers did not notice that the terms and conditions apply behind. Poster show you that you can call to the country for 1000 minutes for $10 card, due to terms and conditions used, a lots of hidden fee, service fee charge behind. These charges all add up to make the cost of the phone call break-even after an {average|standard|regular|normal} length phone call.

Following is most common prepaid phone card used for hiding {fee|charge|payment|bill|cost}:

o Peak or Off Peak

o Expiry date

o Service fee

o Maintaining fee

o Minutes block / Large billing increments

o Daily service fee

Service fee and hidden fee with surcharges, surcharges are not the same as a connection or flag-fall fee. A surcharge is {generally|usually|normally|in general|commonly} related to the length of a call and charged at a set time interval after you start speaking, so for example after 20 minutes a fee of 40c may be charged. This is because not everybody’s call is an average length and so the surcharge fee recovers the money for the cheaper call rate. This surcharge can vary depending on the destination you are calling.

Most phone card are using service fees, service fees in the phone cards not is charging daily , example 20 cents a day after first used, you can said as account keeping fee. Prepaid cards rates getting very cheap to talk, service fee is their only fee can earn back the cost to cover their lost and profit. It is {totally|completely|entirely|absolutely|fully|perfectly} confuse users have no idea what is the real cost behind.
When you contact the customer support, most of the phone card’s {company|corporation} will let you know the hidden fees charge behind as you requested full terms and conditions used. If you contact the prepaid card’s company customer support but with no customer support to answer your call every times you call, than we will {suggest|propose|advise} you be careful for this brand prepaid card, as It may no reliable to be use.

Another ways different charge for prepaid phone card, if you buy a phone card based on off-peak & peak rates it means it is only really the best card for you during the off-peak period. Most often these off-peak periods are the most {inconvenient|not convenient|tiresome|inopportune|embarrassing} time of day like 2 am. They are cheaper because the phone card supplier can buy minutes cheaper when no one wants them. You should always buy your calling card based on comparing the peak call rates. That way you are buying the cheapest phone card for when you will {actually|in fact|really|essentially|in reality} be using it.

Every prepaid calling cards terms and conditions used with expiry date after first used. Some prepaid calling card expire in 1 month, 2 months, 3 months, 4 months and 6 months etc. 1 month expiry date phone card’s rates is very {cheap|low-priced|economical|inexpensive} than 6 months phone cards rates as well because most users do not know about their prepaid phone cards life. You will get extra 10% credit bonus with $30 or $50 prepaid phone card because in average, users can not finish full credits, it will left 10% credits till expire. If you are low users, we will {recommend|advise|suggest} you to buy prepaid calling cards with no expiry date, such like Click, South Asia, Click Africa, Snap prepaid phone cards.

Prepaid pulsa jogja with high connection fee. If your phone calls {suddenly|abruptly|unexpectedly|rapidly|swiftly} drop out after a certain time and this is at the same point each time it probably has a call duration limit. These are often set to 1 or 2 hours. If they frequently drop out at random times this is due to poor line quality. Limited call durations are not only inconvenient but can be very {costly|expensive|pricey} if fixed call duration is combined with high connection fees. You keep getting disconnected and when you redial you are charged another connection fee.

Prepaid pulsa murah with minutes block. Usually phone cards are billed in 5 minute increments. This means that if you talk for 3 minutes and 20 seconds you will be charged for 5 minutes. Your standard home phone line service is {generally|usually|normally|in general|commonly} billed in 1 or 6 sec increments. Some cards bill in 10 minutes increments which means you need to talk for 10, 20 or 30 minutes to get the best value from the card. If, for example, you talked for 13 minutes your call would be rounded up and you would still be charged for 20 minutes!

To choose the right prepaid pulsa elektrik and updated prepaid cards terms and conditions used and country rates charged for you to compare and receive card’s PIN instantly via email. Oz Prepaid Cards provides this service free for the most {reliable|dependable|consistent|trustworthy} prepaid phone cards in Australia.

Another danger you must be {aware|alert|awake} of is that if you lose your phone card the company will not replace it. This is because someone else can find it and use the remaining balance. You should keep a record of the PIN number in a safe place in addition to details printed on the actual card. With online discount phone card’s reseller agent website, your PIN numbers are kept online in your account as well as being sent to you by email so you always have access to the PIN even if you lose it.

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Major corporations such as Apple need actual consumers to test their new products at home. Of course new products go through a battery of tests in labs and by professionals, but until actual consumers try them out, the company doesn’t really know if they have met the consumer expectation. This is where you come in.

The Apple iPad has recently launched and is currently in the consumer testing phase. This means you could receive an free ipad: to use, test and keep forever! The only thing required of you is to give your opinions to Apple. They want to know what you think; did the iPad meet your expectations? What would you improve or change? These answers assist Apple with making improvements for new models.

You do need to be careful however, as there are many scam sites out there claiming to have free iPads available. You can quickly determine if it is scam simply by noting if they are charging you any money upfront. This is not how legitimate corporations work! They do not charge the consumer to test their products. On the contrary, they give you the product for free in return for your opinions.

These consumer testing give-a-ways only occur during the initial launch of a new product. Therefore, the window of opportunity is limited. You will need to act swiftly in order to be able to test an iPad out for yourself and share your ideas and opinions with Apple. There just isn’t a better way to get an iPad without having to spend any of your hard earned money!

Update - I have done a bit of research for you. I found this new ipad tablet offer. Test the iPad before anybody else does.

Where you should buy or pre order the ipad?

Apple unveiled their much awaited tablet called the iPad that will be available in March. The question on everyone’s mind is to preorder the iPad or not to Preorder the iPad. For all the hype and buzz that it has created, we really should delve into what the iPad has to offer that our current breed of mini computers don’t.

What is all the fuss about?

According to Apple, the iPad is a touch-screen tablet that’s created to fill the void between the iPhone and the MacBook. With a 9.7-inch screen, it looks like a large iPod Touch with an accelerometer that allows it to switch from landscape and portrait modes. Early rumors suggested that the screen would be OLED but the final unit comes with LCD. It has In-Plane Switching or IPS to improve on the color reproduction and viewing angle.

A portable device isn’t complete if it can’t connect to the internet. The iPad comes with 82.11n Wi-Fi and Bluetooth for interconnectivity. There are models equipped with 3G data as well. The Wi-Fi only versions will be available starting March while the units with 3G will be available in April. But you will be able to preorder your iPad much before that. More on that later…

The Apple iPad comes with built-in apps, such as the Safari Browser, email client, a music player, iTunes Store, maps, Youtube client, address book, calendar, and a QWERTY keyboard that would take up half the screen when used. It has a photo viewer with map view to see geo-tagged pictures with a slideshow mode.

iPad Apps

iPhone users are happy to find out that their favorite apps can also run on the iPad with any modifications. The apps will run in a small box in the middle of the touch screen or it can be maximized by clicking on the 2x icon. Existing apps for the iPod Touch or iPhone can by synced to the iPad for free.

There will also be exclusive iPad apps being developed. At present a few already exist, such as the New York Times newspaper reader, a painting app, demo version of Need for Speed game for the iPad, and an MLB.com app for baseball fanatics.

People are saying that the iPad is Apple’s answer to the Kindle and this might be true because Apple launched its e-book app called iBooks, which supports the ePub format. The iBook store features titles from Penguin, Simon & Schuster, Harper Collins, and Macmillan and Hachette.

There’s a new iWork suite made for the iPad but instead of buying the whole thing, you can purchase individual iWork app individually for $9.99 each. Keynote lets the user create and view presentations. The tablet can be connected to a projector for group presentations. With Pages, the user can create and edit text documents. Lastly, Numbers is an app where the user can edit and create spreadsheets.

Should you Preorder the iPad?

As is the case, so very often, should you preorder the iPad? You may not be able to preorder it just yet, but when the time comes, I would say Yes! You usually get the best one-time offers during your preorder and how cool would it be to get your hands on the first copies of the iPad. But you would heed to do some research before you pre order the iPad. With every retailer on the planet getting ready to sell it, there are bound to be scams galore. Just make sure you find the best deal in the market before you invest in these bad boys.

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