Bill Shock: Exceeding Cell Phone Minutes

August 24th, 2010

Ever experienced bill shock?

Cell phone service providers charge some hefty prices when you exceed your cell phone minutes. Most companies charge up to $.45 per minute in overage charges, which quickly add up. What’s worse, you might not even be aware that you’ve exceeded your limit, especially if more than one person is on your plan.

So why is it that a carrier can’t send a simple text message to warn you that you are dangerously close to a sky-high cell phone bill? It seems there isn’t a good reason why they can’t. In fact, European providers are already doing it. In a public notice posted in May, the Federal Communications Commission (FCC) calls attention to Europe’s regulation that requires cell phone service providers to notify customers with a text message warning them that they are close to using more minutes than their plan provides:

Certain of these provisions, commonly referred to as the “bill shock” provisions, are designed to ensure that a consumer is fully aware of the roaming charges he or she is incurring so that the consumer does not receive a higher than expected bill for these services.

The new EU regulations, require providers to do the following:

  • Notify the customer with a free text message when roaming charges may apply, including prices for sending and receiving calls and text messages.
  • Notify a customer using a data roaming service when he or she has reached 80 percent of the data limit in the plan.
  • Notify the customer when he or she exceeds the established monetary or volume roaming limit of applicable costs and procedures if the customer wants to continue to use the roaming data service.

The FCC’s public notice asked for input from both consumers and providers about whether U.S. carriers could provide similar warnings. But obviously they can because one provider is already doing it.

Free alerts already an option with U.S. Cellular, apps

In the U.S., only U.S. Cellular provides free alerts to consumers, sending text messages as they near their limit, and allowing them to temporarily switch to a plan with more minutes, with no penalties for switching back to a cheaper plan the next month.

While it’s true that customers of any of the big providers can view their usage on their phones or on the provider’s website, many times people don’t realize that they are nearing their max, or that someone else has been using the family plan more heavily than usual. The text message alerts, on the other hand, provide instant notice.

If you’re not sold on switching your cell phone provider, you can still avoid bill shock with an app like AT&T’s myWireless Mobile or the Pageonce Mobile Minute Tracker, described by Consumer Reports as follows:

The [Pageonce] app, which has been available since 2008, alerts you when you’re within 20 and 5 percent of your voice minute, text message, and data limits, and when you go over. To download it, use your smart phone to search for Pageonce, then launch the app from your handset.

Until the other providers follow U.S. Cellular’s (and Europe’s) lead, it’s up to the consumer to keep tabs on cell phone usage to prevent a shocking cell phone bill. Find how your service provider makes your current usage available and what it charges for exceeding plan limits, or use a minute-tracking app for peace of mind.

The Top 10 People You Should Tip

August 24th, 2010

Do you know when to tip and how much?

Sometimes it’s a no-brainer when to leave a tip–like, say, when there’s a jar with the word “tips” written on it. Pretty obvious, right?

But what about all of those other times? How much should you leave for housekeeping when staying at a hotel? Are you supposed to leave something for a manicurist? Sometimes it’s hard to figure out who to tip and how much to leave.

Why leave a tip?

Besides being a gesture of appreciation for a job well-done or for excellent customer service, tipping also creates a relationship. Jim Wang at Bargaineering writes about this in “Why Tipping is the Best Investment, Ever”:

When you create that relationship, you are separated from the pack in the person’s mind. You’re not a friend, but you’re not a stranger either. So when it comes to pick who to help out next, you always go to the person you’re more familiar with.

Sure, Wang concedes, it’s a form of bribery, but it’s a win-win for both sides.

Tipping 101: The top 10

Let’s get down to it. Here’s a list of the top 10 people you should be sure to tip, along with suggested amounts.

  1. Bartenders. If you’ve had drinks at the bar, leave 15-20%, or at least $1 per drink.
  2. Baristas. While not required by the laws of etiquette, tipping your barista is a nice gesture, especially if you received excellent service or if you’re a regular.
  3. Waitpeople. For a sit-down meal, tip the waiter or waitress 15-20%. At a buffet, leave the waitperson 10%. If you sit at the table for an exceptionally long time, tip extra. For take-out meals, no tip is necessary, but if the person took extra care with your order, leave 10%.
  4. Valets. Tipping $2 (bills only, please) is standard when picking up your car. Want your baby treated with extra special care? Tip $2-$3 when you hand the valet your car keys.
  5. Cab drivers. Leave drivers 15-20% plus an extra $1-$2 if he or she helped with your luggage.
  6. Massage therapist. After a great massage, you’ll feel so zen you won’t even mind leaving 15-20% to the person responsible for your state of bliss.
  7. Hair stylists and barbers. Tip your stylist 15-20%, and ask that it be split among the shampooer, stylist, etc. who serviced you.
  8. Manicurist. A 15% tip is sufficient for a good manicure and pedicure.
  9. Movers. Tip movers after the move, generally $20 per person or 20% of the total cost of the move. MainStreet suggests hinting at a tip by saying something like, “Don’t go anywhere afterward, I need to track down my wallet.”
  10. Delivery people. For food delivered to your home, add 15% for tip, up to 20% for fast service or inclement weather.

Tipping Pointers while Traveling

Emily Post, manners guru, offers the following guidelines for tipping while traveling:

  • Doorman. $1-$2 for carrying luggage, same for hailing a taxi, and $1-$4 more if he or she went the extra mile for you.
  • Bellhop. Leave $2 for one bag and $1 more for each extra bag.
  • Housekeeping. Tip $2-$5 daily.
  • Concierge. No need to leave a tip if he or she just answers questions, but for arranging for reservations or tickets, leave $5-$10, depending on the effort involved.
  • Room-service delivery. Add 15-20% of the bill for gratuity.

Finally, here are some general guidelines to tipping etiquette:

  • If you have a gift certificate or discount coupon, base the tip amount on the original amount of the service.
  • You can always tip extra for great service or if someone had to work harder to help you. For example, if you have five suitcases and they each weigh a ton, give the cheerful bellhop a little something extra.
  • You don’t have to tip if you received bad service.

Finally, be discreet when leaving a tip. You’re thanking a person for their service with a small token of appreciation, and your generosity is negated if you make a big deal out of it!

Deposit Checks with Your Smartphone

August 24th, 2010

Deposit checks while waiting for your double shot!You already use your smartphone to check your bank balances, your e-mail, and to update your Facebook status, but what about using it to cash a check?

Turns out, if you’re a customer of USAA or JPMorgan Chase, you have one less reason to have to stop by the bank.

The check-cashing app

Here’s how it works: The customer takes photographs of the front and back of an endorsed check, which are sent to the bank through the app. The funds are directly deposited into his or her account, and the paper check should then be shredded. Details on the Chase app are as follows:

  • Requires iPhone 3 or later
  • Free for online banking customers
  • No limit on the number of deposits made via the app
  • Customers can deposit up to $1,000 per account per day, with a $3,000 monthly limit per account

It may only be a matter of time before other banks follow suit. From USA Today:

Chase’s decision to offer mobile deposit will force other banks to seriously consider offering their own app, says Bob Meara, senior analyst at Celent, a research firm. Because of its non-traditional structure, ‘a lot of banks were dismissive of USAA,’ he says. ‘They can’t be dismissive of Chase.’

Do you cash checks very often? Have you used a check-cashing app? Would you try it?