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Showing posts from December, 2014

A Better Cell Phone Value with Installment Billing

Americans love their smartphones, but they sure are expensive devices. Most popular smartphones in America cost between $450 and $850, with an average price of about $650.  However, most consumers are used to paying about $1 to $200 in a store for their phone. So what’s the catch?  Well, cell phone companies decided that they could make people sign up for big, expensive two-year contracts in exchange for giving customers a discount on phone at the time of purchase.   On average that discount is about $450.  This whole contract thing was fine for a while, but over time customers got frustrated with this system for several reasons. 1.      Being stuck in a contract for 2 years. 2.      Paying activation fees. 3.      Paying $200 or more in-store for the newest phones. 4.      Expensive cell phone plans that charge you a hidden subsidy even if you own your phone. The...