By Joe Arthur

As much shoppers find lots of options in family cell phone plans, they sometimes cannot find good ones that offer both unlimited texting and free phones for everyone in the household. We have some good news to share with you today. There are a few family cell phone plans with unlimited texting or free phones, and they are very affordable, which means families can now enjoy the added flexibility and convenience of text messaging without breaking the bank.

Best of all, several different carriers have these plans, so you’ll be able to shop around for the best deal that suits your needs and budget. Carriers with family cell phone plans with unlimited texting or free phones include:

AT&T Wireless

Nation FamilyTalk 550 w/ Rollover

Features:

– $59.99 per month

– 550 minutes

– Unlimited mobile to mobile calling

– Free cell phones: Samsung Mythic a897 Black ($449.00 value) or other

AT&T wireless is one of the largest carriers in the nation, and their family cell phone plans with free phones is a popular choice. For family members who want a more special phone, AT&T is the exclusive home to Apple’s iPhone as well as many other premium cellphones like the Samsung Mythic a897, and they also have a unique rollover plan. Any unused minutes from month to month will rollover for almost a year, rather than simply being wasted.

Sprint Family Cell Phone Plans

Family Cell Phone Plans 1500

Cost: $99.00 per month

Plan Features:

– 1500 minutes

– Unlimited night and weekend minutes

– Unlimited textingand picture messaging

– Sprint mobile to mobile

– 24 month contract

– $72.00 activation fee

While Sprint phones and plans often lags behind the other carriers in overall customer satisfaction, they do offer relatively low prices and a high-speed network. They also offer a wide variety of premium equipment including the popular Samsung Seek in both blue or black, which currently comes free with the Talk for Family 700 plan.

T-Mobile Family Cell Phone Plans

Even More Family 750

Features:

– $59.99 per month

– 750 minutes

– Unlimited night and weekend minutes

– Unlimited T-Mobile to T-Mobile calling

– Free cell phones: LG Sentio ($199.00 value) or other phone

T-Mobile phones and plans consistently ranks well in overall customer satisfaction and offers a wide variety of affordable options, including family cell phone plans with unlimited texting and free phones. They are also the home to many premium Android phones like the myTouch 3G and the Motorola Cliq. They also offer other popular models including the LG Sentio, which currently comes free with the Even More Family 750 plan.

Verizon Wireless

Nationwide Talk & Text Family SharePlan 700

Cost: $99.00 per month

Plan Features:

– 700 minutes

– Unlimited night and weekend minutes

– Text messaging at 10 cents a message

– 24 month contract

– $60.00 activation

Verizon Wireless is the largest cellphone carrier in the nation in terms of overall coverage and subscribers. They also have the distinction of being the highest rated carrier in many markets, thanks to their superior customer service. They’re also home to many top-of-the-line models including the Motorola DEVOUR, which comes in silver and is currently available free on the Nationwide Talk Family SharePlan 700.

About the Author: To learn more about the best family cell phone plans with unlimited texting and family cell phone plans with free phones that offer the

cheapest cell phone plans

, log on to bestprepaidcellphoneplans.org. Click to read articles and reviews on choosing the

best unlimited prepaid cell phone service

for your needs.

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By Morgan Hamilton

Comparing low APR credit cards can be your first step towards substantial savings if you currently carry a monthly credit card balance. Let us first define exactly what APR is. APR is short for annual percentage rate and is basically the effective rate of interest that a borrower will pay on a loan.

Stated another way, APR is the total cost of credit that a consumer will pay, including one time fees. It is expressed on an annualized basis to make it easier to compare loan options offered through different lenders. In the United States the lenders, in our case the credit card companies, are required by law to disclose their rates to the consumer.

The concept of APR can be applied to such financial instruments as auto loans and savings accounts as well. Comparing low APR credit cards online is a rather easy task when you go to a quality web site such as Find-Cards-Now.com. It is a secure site that lists well over 130 cards from the top issuers in the industry.

Transferring high interest balances from existing cards is beneficial for two reasons; first off, the savings realized by transferring to low APR credit cards are immediate. You can literally save hundreds, if not thousands of dollars depending on the size of the balance you carry.

And secondly, because you are paying less out on interest, you will be able to increase the amount you pay on the principle, thereby paying the card off quicker. Of course, this will require financial discipline, but the savings realized is well worth the effort. We would all like to increase our incomes. Sometimes the best way to do that is by cutting expenses.

You will find that most credit card companies will offer low interest cards, including issuers such as Discover Card and American Express. Be sure to read the terms of service carefully. In many cases the interest rate being offered will be an introductory rate that will expire in six months to one year. These are important details that must not be overlooked.

You need a good to excellent credit rating to be approved for low APR credit cards. If you are unsure of your current credit history, I suggest taking advantage of one of the many services that allow you to obtain your credit score. It is always a good idea to periodically check your credit record.

About the Author: Morgan Hamilton is a financial adviser that specializes in the credit markets. Using Low APR Credit Cards responsibly is an excellent way to cut expenses and save money. Visit

find-cards-now.com

to obtain more information.

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