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Hatfield
Participant[quote=briansd1]Why would you want to stay out of contract. That’s 5 years Verizon was collecting your money but not giving you a handset subsidy.[/quote]
Point taken. I’ve been out of contract mostly because I’m too lazy/busy to fart around shopping for phones, yet at the same time I’ve been thinking about jumping ship to get an iPhone, but I’ve been too lazy/busy to do that either.
Also, at one time, when you re-upped with Verizon, you had to give up your old calling plan and switch to a current calling plan. I’m not sure how long ago that was (I’ve been with them since they were Airtouch) but apparently that’s no longer the case. That was news to me. I currently have 450 monthly minutes, plus unlimited mobile-to-mobile and unlimited nights and weekends starting at 7pm, and I’m paying $27 bucks for that calling plan. I never run out of minutes, so in my defense, I haven’t had much incentive to rock the boat.
But my phone is dying and I’ve been suffering iPhone envy for years now.
The MiFi card is a recent addition. I know I’m paying way too much for that, but I was in a bind when I bought it. I had unexpected travel plans drop into my lap, and I absolutely positively needed internet access on the go. For a long time I was getting by tethering my LG phone over Bluetooth, but as I said, the phone is dying and Bluetooth was the first thing to go.
Participant[quote=briansd1]Why would you want to stay out of contract. That’s 5 years Verizon was collecting your money but not giving you a handset subsidy.[/quote]
Point taken. I’ve been out of contract mostly because I’m too lazy/busy to fart around shopping for phones, yet at the same time I’ve been thinking about jumping ship to get an iPhone, but I’ve been too lazy/busy to do that either.
Also, at one time, when you re-upped with Verizon, you had to give up your old calling plan and switch to a current calling plan. I’m not sure how long ago that was (I’ve been with them since they were Airtouch) but apparently that’s no longer the case. That was news to me. I currently have 450 monthly minutes, plus unlimited mobile-to-mobile and unlimited nights and weekends starting at 7pm, and I’m paying $27 bucks for that calling plan. I never run out of minutes, so in my defense, I haven’t had much incentive to rock the boat.
But my phone is dying and I’ve been suffering iPhone envy for years now.
The MiFi card is a recent addition. I know I’m paying way too much for that, but I was in a bind when I bought it. I had unexpected travel plans drop into my lap, and I absolutely positively needed internet access on the go. For a long time I was getting by tethering my LG phone over Bluetooth, but as I said, the phone is dying and Bluetooth was the first thing to go.
ParticipantI’m on the cusp of biting the bullet and buying a Motorola Droid X. I have been out-of-contract with Verizon for about 5 years now. I’m on an ancient but rockin’ calling plan, plus I’m still getting a corporate discount that I no longer qualify for. But I also use a Mac, and obviously it’s pretty hard to beat the intergration of an iPhone with a Mac. A few years ago my VX-8100 died so I bought a VX-8700 off eBay and did an ESN swap to stay out of contract.
I would love to get an iPhone but don’t want to switch to AT&T. And I’ve been hearing Verizon iPhone rumors for years now but still nothing is on the horizon.
I finally went into a Verizon store to check out the Droid X. I have to say it looks pretty great, and here’s what I learned:
* I can still keep my rockin’ calling plan! I would just need to re-up my contract if I buy a subsidized phone.
* The data plan for the Droid is $29/month, but I could drop VCAST for which I’m already paying $15/month
* I can do mobile broadband shared via WiFi for another $20/month. The service is capped at 2 GB/mo. Currently I have a MiFi card capped at 5 GB/mo. I’m paying another $59/mo for that, but I’ve never come anywhere near the 5 GB cap.
The big stickler for me is app integration. Apparently on the Android platform, iCal and Address Book are synced through Google, which kinda creeps me out for reasons that are hard to articulate. But it’s been kind of a sticking point for me. But I just learned that Missing Sync has a direct Android <-> Mac gateway sync app for $30. That’s probably gonna be the thing that makes me cave in.
ParticipantI’m on the cusp of biting the bullet and buying a Motorola Droid X. I have been out-of-contract with Verizon for about 5 years now. I’m on an ancient but rockin’ calling plan, plus I’m still getting a corporate discount that I no longer qualify for. But I also use a Mac, and obviously it’s pretty hard to beat the intergration of an iPhone with a Mac. A few years ago my VX-8100 died so I bought a VX-8700 off eBay and did an ESN swap to stay out of contract.
I would love to get an iPhone but don’t want to switch to AT&T. And I’ve been hearing Verizon iPhone rumors for years now but still nothing is on the horizon.
I finally went into a Verizon store to check out the Droid X. I have to say it looks pretty great, and here’s what I learned:
* I can still keep my rockin’ calling plan! I would just need to re-up my contract if I buy a subsidized phone.
* The data plan for the Droid is $29/month, but I could drop VCAST for which I’m already paying $15/month
* I can do mobile broadband shared via WiFi for another $20/month. The service is capped at 2 GB/mo. Currently I have a MiFi card capped at 5 GB/mo. I’m paying another $59/mo for that, but I’ve never come anywhere near the 5 GB cap.
The big stickler for me is app integration. Apparently on the Android platform, iCal and Address Book are synced through Google, which kinda creeps me out for reasons that are hard to articulate. But it’s been kind of a sticking point for me. But I just learned that Missing Sync has a direct Android <-> Mac gateway sync app for $30. That’s probably gonna be the thing that makes me cave in.
ParticipantI’m on the cusp of biting the bullet and buying a Motorola Droid X. I have been out-of-contract with Verizon for about 5 years now. I’m on an ancient but rockin’ calling plan, plus I’m still getting a corporate discount that I no longer qualify for. But I also use a Mac, and obviously it’s pretty hard to beat the intergration of an iPhone with a Mac. A few years ago my VX-8100 died so I bought a VX-8700 off eBay and did an ESN swap to stay out of contract.
I would love to get an iPhone but don’t want to switch to AT&T. And I’ve been hearing Verizon iPhone rumors for years now but still nothing is on the horizon.
I finally went into a Verizon store to check out the Droid X. I have to say it looks pretty great, and here’s what I learned:
* I can still keep my rockin’ calling plan! I would just need to re-up my contract if I buy a subsidized phone.
* The data plan for the Droid is $29/month, but I could drop VCAST for which I’m already paying $15/month
* I can do mobile broadband shared via WiFi for another $20/month. The service is capped at 2 GB/mo. Currently I have a MiFi card capped at 5 GB/mo. I’m paying another $59/mo for that, but I’ve never come anywhere near the 5 GB cap.
The big stickler for me is app integration. Apparently on the Android platform, iCal and Address Book are synced through Google, which kinda creeps me out for reasons that are hard to articulate. But it’s been kind of a sticking point for me. But I just learned that Missing Sync has a direct Android <-> Mac gateway sync app for $30. That’s probably gonna be the thing that makes me cave in.
ParticipantI’m on the cusp of biting the bullet and buying a Motorola Droid X. I have been out-of-contract with Verizon for about 5 years now. I’m on an ancient but rockin’ calling plan, plus I’m still getting a corporate discount that I no longer qualify for. But I also use a Mac, and obviously it’s pretty hard to beat the intergration of an iPhone with a Mac. A few years ago my VX-8100 died so I bought a VX-8700 off eBay and did an ESN swap to stay out of contract.
I would love to get an iPhone but don’t want to switch to AT&T. And I’ve been hearing Verizon iPhone rumors for years now but still nothing is on the horizon.
I finally went into a Verizon store to check out the Droid X. I have to say it looks pretty great, and here’s what I learned:
* I can still keep my rockin’ calling plan! I would just need to re-up my contract if I buy a subsidized phone.
* The data plan for the Droid is $29/month, but I could drop VCAST for which I’m already paying $15/month
* I can do mobile broadband shared via WiFi for another $20/month. The service is capped at 2 GB/mo. Currently I have a MiFi card capped at 5 GB/mo. I’m paying another $59/mo for that, but I’ve never come anywhere near the 5 GB cap.
The big stickler for me is app integration. Apparently on the Android platform, iCal and Address Book are synced through Google, which kinda creeps me out for reasons that are hard to articulate. But it’s been kind of a sticking point for me. But I just learned that Missing Sync has a direct Android <-> Mac gateway sync app for $30. That’s probably gonna be the thing that makes me cave in.
ParticipantI’m on the cusp of biting the bullet and buying a Motorola Droid X. I have been out-of-contract with Verizon for about 5 years now. I’m on an ancient but rockin’ calling plan, plus I’m still getting a corporate discount that I no longer qualify for. But I also use a Mac, and obviously it’s pretty hard to beat the intergration of an iPhone with a Mac. A few years ago my VX-8100 died so I bought a VX-8700 off eBay and did an ESN swap to stay out of contract.
I would love to get an iPhone but don’t want to switch to AT&T. And I’ve been hearing Verizon iPhone rumors for years now but still nothing is on the horizon.
I finally went into a Verizon store to check out the Droid X. I have to say it looks pretty great, and here’s what I learned:
* I can still keep my rockin’ calling plan! I would just need to re-up my contract if I buy a subsidized phone.
* The data plan for the Droid is $29/month, but I could drop VCAST for which I’m already paying $15/month
* I can do mobile broadband shared via WiFi for another $20/month. The service is capped at 2 GB/mo. Currently I have a MiFi card capped at 5 GB/mo. I’m paying another $59/mo for that, but I’ve never come anywhere near the 5 GB cap.
The big stickler for me is app integration. Apparently on the Android platform, iCal and Address Book are synced through Google, which kinda creeps me out for reasons that are hard to articulate. But it’s been kind of a sticking point for me. But I just learned that Missing Sync has a direct Android <-> Mac gateway sync app for $30. That’s probably gonna be the thing that makes me cave in.
ParticipantThis would not be a correct assumption.
Look at it this way: you invest $100k, they convert it to the foreign currency at the current exchange rate. Time marches on, the interest accrues as promised. When the CD matures, they then convert it back at the new exchange rate, and that’s what you wind up with. If the dollar rallies against the other currency, your return will be higher than the CD yield. If the other currency rallies against the dollar, your return will be lower than the CD yield. You potentially could lose principal.
FDIC only protects you if the bank fails. It will not protect you against currently fluctuation. You didn’t post a link, but this will be explained in the fine print. Here’s the fine print at Everbank:
ParticipantThis would not be a correct assumption.
Look at it this way: you invest $100k, they convert it to the foreign currency at the current exchange rate. Time marches on, the interest accrues as promised. When the CD matures, they then convert it back at the new exchange rate, and that’s what you wind up with. If the dollar rallies against the other currency, your return will be higher than the CD yield. If the other currency rallies against the dollar, your return will be lower than the CD yield. You potentially could lose principal.
FDIC only protects you if the bank fails. It will not protect you against currently fluctuation. You didn’t post a link, but this will be explained in the fine print. Here’s the fine print at Everbank:
ParticipantThis would not be a correct assumption.
Look at it this way: you invest $100k, they convert it to the foreign currency at the current exchange rate. Time marches on, the interest accrues as promised. When the CD matures, they then convert it back at the new exchange rate, and that’s what you wind up with. If the dollar rallies against the other currency, your return will be higher than the CD yield. If the other currency rallies against the dollar, your return will be lower than the CD yield. You potentially could lose principal.
FDIC only protects you if the bank fails. It will not protect you against currently fluctuation. You didn’t post a link, but this will be explained in the fine print. Here’s the fine print at Everbank:
ParticipantThis would not be a correct assumption.
Look at it this way: you invest $100k, they convert it to the foreign currency at the current exchange rate. Time marches on, the interest accrues as promised. When the CD matures, they then convert it back at the new exchange rate, and that’s what you wind up with. If the dollar rallies against the other currency, your return will be higher than the CD yield. If the other currency rallies against the dollar, your return will be lower than the CD yield. You potentially could lose principal.
FDIC only protects you if the bank fails. It will not protect you against currently fluctuation. You didn’t post a link, but this will be explained in the fine print. Here’s the fine print at Everbank:
ParticipantThis would not be a correct assumption.
Look at it this way: you invest $100k, they convert it to the foreign currency at the current exchange rate. Time marches on, the interest accrues as promised. When the CD matures, they then convert it back at the new exchange rate, and that’s what you wind up with. If the dollar rallies against the other currency, your return will be higher than the CD yield. If the other currency rallies against the dollar, your return will be lower than the CD yield. You potentially could lose principal.
FDIC only protects you if the bank fails. It will not protect you against currently fluctuation. You didn’t post a link, but this will be explained in the fine print. Here’s the fine print at Everbank:
ParticipantThis sounds similar to foreign-currency CDs offered by Everbank. I was doing those for awhile. You end up getting the published yield plus (or minus!) the movement of the foreign currency against the US Dollar. Just be aware that if the dollar rallies against the other currency, your mature CD can be worth less than what you paid for it. FDIC insurance does not cover losses from currency fluctuations.
ParticipantThis sounds similar to foreign-currency CDs offered by Everbank. I was doing those for awhile. You end up getting the published yield plus (or minus!) the movement of the foreign currency against the US Dollar. Just be aware that if the dollar rallies against the other currency, your mature CD can be worth less than what you paid for it. FDIC insurance does not cover losses from currency fluctuations.
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