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Type Details | Recycled |
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RATINGS: 53 WEIGHTED AVG: 3.83 SEASONAL: Special EST. CALORIES: 210 ABV: 7%
COMMERCIAL DESCRIPTION Bottle conditioned; Special Simcoe, Amarillo, Nelson Sauvin hops
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subset: commoncrawl


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Relevant offers
A coach-less Wellington Phoenix have been bounced out of the FFA Cup on debut, falling 1-0 to Adelaide United in South Australia overnight.
There was drama before kickoff and drama in extra time, as Phoenix coach Ernie Merrick was banned from the technical area pre-game before Adelaide goalkeeper Paul Izzo withstood a frantic late push from the visitors.
Sergio Cirio scored the first-half winner, with a great touch from an Awer Mabil cross taking him one-on-one with Glen Moss as Adelaide's Spanish star made no mistake.
The Phoenix hit the post in an extra time goalmouth scramble before Izzo made a point blank save to deny Roy Krishna in the round of 32 clash.
The loss burst the bubble of the Phoenix, who late last month had shocked English Premier League club West Ham United in a 2-1 win.
Phoenix midfielder Alex Rodriguez (groin) was a late scratching, as was Merrick who was denied access to the technical area for what a club spokesman said was a ''paperwork'' issue.
Assistant coach Chris Greenacre instead signed his name on the team sheet.
A crowd of 2804 watched on at Marden Sports Complex, with many reports from the ground suggesting the Phoenix had the better of much of the play.
In other games, Ireland striker Andy Keogh bagged a brace in Perth Glory's 2-0 win over the Newcastle Jets, while St Albans Saints defeated Parramatta FC 1-0.
- Stuff
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Family 'adopts' abandoned newborn baby to give her a funeral
Will Burnley retain their EPL status?


text:
Articles tagged starlost
17 Feb 2014 // 2:14 AM
As the idealism of the '60s congealed into the malaise of the '70s, TV offered us small bands of forlorn humans in tight suits, roaming the stars. These are the "the starlost shows".
READ more //Blogs
Is Black Widow Still a Hero? Dissecting the Misogynistic Outrage Against the Avengers
// Short Ends and Leader
"Black Widow may very well be the pinnacle of the modern action heroine, so why is there so much backlash about her role in the new Avengers film?
READ the article


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Factors Influencing the State-Level Settlement Pattern of the Undocumented Immigrant Population in the United States
This study empirically attempts to identify key factors determining the settlement patterns of undocumented immigrants within the United States. The estimations imply that undocumented immigrants appear to settle in states that border the Atlantic Ocean, Pacific Ocean, or the Gulf of Mexico, and states where median family income is higher, average January temperatures are higher, the percent of the state population that is Hispanic is higher, and where economic freedom is higher. On the other hand, undocumented immigrants are less likely to settle in states with a higher cost of living.
If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
Length: | |
Date of creation: | 02 Feb 2013 |
Date of revision: | 01 Apr 2013 |
Publication status: | Published in Atlantic Economic Journal 3.41(2013): pp. 3-13 |
Handle: | RePEc:pra:mprapa:49442 |
Contact details of provider: | Postal: Phone: +49-(0)89-2180-2219 Fax: +49-(0)89-2180-3900 Web page: http://mpra.ub.uni-muenchen.de More information through EDIRC |
References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- Gordon H. Hanson, 2006.
"Illegal Migration from Mexico to the United States,"
NBER Working Papers
12141, National Bureau of Economic Research, Inc.
- Gordon H. Hanson, 2006. "Illegal Migration from Mexico to the United States," Journal of Economic Literature, American Economic Association, vol. 44(4), pages 869-924, December.
- Karen Smith Conway & Andrew J. Houtenville, 2003. "Out with the Old, In with the Old: A Closer Look at Younger Versus Older Elderly Migration," Social Science Quarterly, Southwestern Social Science Association, vol. 84(2), pages 309-328.
- Cebula, Richard, 1978. "The Determinants of Human Migration," MPRA Paper 58401, University Library of Munich, Germany.
- Cebula, Richard & Clark, Jeff, 2010.
"Migration, Economic Freedom, and Personal Freedom: An Empirical Analysis,"
MPRA Paper
50957, University Library of Munich, Germany, revised 20 Apr 2010.
- Richard J. Cebula & J.R. Clark, 2011. "Migration, Economic Freedom, and Personal Freedom: An Empirical Analysis," Journal of Private Enterprise, The Association of Private Enterprise Education, vol. 27(Fall 2011), pages 43-62.
- Gradstein, Mark & Justman, Moshe, 2000. "Human capital, social capital, and public schooling," European Economic Review, Elsevier, vol. 44(4-6), pages 879-890, May.
- Conway, Karen Smith & Houtenville, Andrew J., 2001. "Elderly Migration and State Fiscal Policy: Evidence from the 1990 Census Migration Flows," National Tax Journal, National Tax Association, vol. 54(n. 1), pages 103-24, March.
- Borjas, George J, 1999.
"Immigration and Welfare Magnets,"
Journal of Labor Economics,
University of Chicago Press, vol. 17(4), pages 607-37, October.
- George J. Borjas, 1998. "Immigration and Welfare Magnets," NBER Working Papers 6813, National Bureau of Economic Research, Inc.
- Mark Gradstein & Moshe Justman, 2002.
"Education, Social Cohesion, and Economic Growth,"
American Economic Review,
American Economic Association, vol. 92(4), pages 1192-1204, September.
- Gradstein, Mark & Justman, Moshe, 2001. "Education, Social Cohesion and Economic Growth," CEPR Discussion Papers 2773, C.E.P.R. Discussion Papers.
- Lewis R. Gale & Will Carrington Heath, 2000. "Elderly Internal Migration in the United States Revisited," Public Finance Review, , vol. 28(2), pages 153-170, March.
- Conway, Karen Smith & Houtenville, Andrew J, 1998. " Do the Elderly "Vote with Their Feet"?," Public Choice, Springer, vol. 97(4), pages 663-85, December.
- Cebula, Richard J. & Alexander, Gigi M., 2006. "Determinants of Net Interstate Migration, 2000-2004," Journal of Regional Analysis and Policy, Mid-Continent Regional Science Association, vol. 36(2).
- Astghik Mavisakalyan, 2011. "Immigration, Public Education Spending, and Private Schooling," Southern Economic Journal, Southern Economic Association, vol. 78(2), pages 397-423, October.
- White, Halbert, 1980. "A Heteroskedasticity-Consistent Covariance Matrix Estimator and a Direct Test for Heteroskedasticity," Econometrica, Econometric Society, vol. 48(4), pages 817-38, May.
- Christer Gerdes, 2013. "Does immigration induce "native flight" from public schools?," The Annals of Regional Science, Springer, vol. 50(2), pages 645-666, April.
- Fairlie, Robert, 2014.
"Does Immigration Induce "Native Flight" from Public Schools into Private Schools?,"
Santa Cruz Department of Economics, Working Paper Series
qt85s5v99k, Department of Economics, UC Santa Cruz.
- Betts, Julian R. & Fairlie, Robert W., 2003. "Does immigration induce 'native flight' from public schools into private schools?," Journal of Public Economics, Elsevier, vol. 87(5-6), pages 987-1012, May.
- Cebula, Richard & Kohn, Robert & Vedder, Richard, 1972. "Some Determinants of Interstate Migration of Blacks, 1965-1970," MPRA Paper 50065, University Library of Munich, Germany.
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text:
Letterfinlay Lodge Hotel
3Letterfinlay, Inverness-shire, PH34 4DZ
Price From
View Rooms- Very Good
- 37 guest reviews
About the hotel
Letterfinlay Lodge Hotel rests on the banks of Loch Lochy and boasts breathtaking views over the Great Glen. Watch the world sail by from our panoramic sundeck whilst enjoying the freshest produce and locally landed seafood carefully hand-cooked by our team of chefs. Retire in the evening to our cosy, comfortable bedrooms, many of which have magnificent views over the loch where you can while away the time watching the sun set and if you are lucky see the ospreys swooping over the water at dusk.
Read MoreLess
We currently have no rooms available for this hotel that match your search criteria. Try changing your search or select an alternative hotel.
Facilities Show/hide
- Main
- Hotel Non-Smoking Throughout
- Family friendly
- Cots available
- Other
- Wedding Licence
- Parking
- Car parking available onsite
- Business
- Meeting Facilities, Private dining services
- Dining
- Restaurant, Lounge Menu, Bar, Breakfast to go
- In room entertainment
- Video/DVD Player, TV, Games Console, Video/DVD Library, [Channels] News
- In room facilities
- Safety Deposit Box, Tea/Coffee making facilities in each room, Telephone In Each Room
- Hotel services
- Limited room service for hot food, Wake Up Call Available
- Leisure
- Fishing, Clay Pigeon Shooting, Sailing
Useful Info Show/hide
- From 16:00 hours
- Until 11:00 hours
- The LateRooms.com rates for Letterfinlay Lodge Hotel in Inverness-shire are the total price of the room and not the 'per person' rate. All prices are inclusive of all local taxes.
- Pets are not allowed
Customer Reviews
Our reviews are from genuine LateRooms.com customers. We verify that the customer has stayed before leaving a review.
Very Good
76% would recommend it to a friend
Customer service
Food quality
Room quality
Fantastic Hotel in a wonderful location
The Letterfinlay Lodge Hotel is in a wonderful location right on the loch and our room overlooked this amazing view.
The staff are helpful and welcoming which after a long drive was great to experience. I wish we could have stayed more than one night as this hotel deserves to be more that simply a pit stop. Will definitely be returning.
Read More Less
Lots of cobwebs!
We have stayed at this lodge before, and the food and service are both great.
What lets it down tho, are the rooms. The cleanliness is not where it should be. Paid extra for a deluxe room, but there were marks all over the walls, the thermostat on the shower was broken, so ended up with a scalding hot shower, and there were huge cobwebs everywhere. Shame, because the atmostphere and setting was great.
Read More Less


text:
Credits & Info
- Uploaded
- Jul 23, 2001 | 11:42 PM EDT
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Neo Bender The very popular Futurama / Matrix crossover series, with amazing 3D Flash!
Author Comments
iCheez Animation Studios is proud to present The Neo-Bender Trilogy special edition!
I'm currently kinda busy working on Neo-Bender 3 special edition but I'd like to invite you to watch "Neo-Bender 2 special edition" - a 3:45 minute webanimation featuring Futurama's own Bender! - Introducing new techniques and state-of-the-art 3D animation this new Trilogy will unveil the REAL storyline behind the Neo-Bender Saga!
>> Please review the actual movie... You'll really enjoy it... I promise!!
Most Sincerely,
Diego C. Zuberbuhler
Special Thanx to Mike Reid for that great preloader!
>> Contact him at firstname.lastname@example.com
Rated 4 / 5 stars
one word "improvment"
well this one was accually very funny, and I just love when it goes into "neo" mode and you kept the lapd writing on the cops back, small things like that impress me but who the fk am I to say shit about ur awesome movie, good shit man time to smoke some more weed :-P
Rated 3.5 / 5 stars
That was some nice work, i really like the up and close 3d views, and when it turned neon it was cool, audio was great just needed a more bender sounding to it, but still went over well, overall a great designed film, i was pleased, great job...
MOVIE COMMENTARY: neobender-ism...
Rated 3 / 5 stars
stupid as hell
not only did i have to watch all that crap over again to see the second nowhere outcome, but both of them were shit! its like you set us up to be let down! I love bender but couldnt you have spent more than 2 seconds thinking of a plot or an ending? A waste of time, your giving futurama a bad name.
Rated 4 / 5 stars
bender kicked some robot ass!
much beter than the first one. but it would have been beter if he had taken the red pill and shot all the police and jump lots of big buildings instead of destroying himself........... the stupid bastard!


text:
Tap Here to view the Mobile Optimized TFLN
I miss Michael Jackson so much sometimes
You must be Logged in to post a comment
He was a great talent the had the wrong people around him IMO.
Me too!
You fucking ignorant pigs. Michael Jackson was a wonderful artist; who gave a shit about the world. Humanity. Fuck all you assholes. Rest in Peace, Michael. I love and miss you everyday.
Nooo, I'm not dead I just have a skin condition. That's ignorant.
do you idiots bot even know that he was provent innocent? what do you live under a fucking rock or something? stop hating on him, seriously. FBI trailed him for 10 YEARS and didn't find anything wrong. so shut the hell up.
Yeah, that's good evidence. Our government always finds what their looking for WMDs, Osama bin Laden...
ya just like OJ didnt kill his wife... fuckin idiot.
Glad you put that. I remembered that one too right after I posted, but it was too late.
I miss him too. Even if you dont like him, you should respect the dead
how does shit like this get on here??
Me too! I thought I was the only one.
First. Haha me too
shut up haters. I miss him too
I miss him too. :/
I love how a bunch of twelve year olds act like their entire life was defined by MJ and his music. Yet they probably were like "Lol pedo." before he died.
that's not healthy...
ME too ;(
Your the reason people think americans are idiots. For comments like that.
And YOU'RE another reason. Learn to spell, asshole
Don't worry, so do I. The obsession will never die! :D
I miss when he used to touch me
Same here buddy
Yea reppin' east Texas!! Haha
HaHa 903! Brandie is this you ?
You watched oprah...
I miss him too. Keep an eye out fir www.mjsmagic.com coming soon!
Is it cause you are a little boy and want him to touch your inch high private eye?
You guys act like you knew him or something like he was your family. Your fucking retarded. Make a america better and go jump off a cliff.
I love how all the people with negative thoughts know so much about Michael!!!
Hey lil boi you'll find sumone to molest u
And he misses little boys
Michael Jackson was a molesting douche bag and went to he'll, but I feel sorry for him because his nose melted to his face. lol
fuck that
Why does it matter that u r white? Idiot
Too bad he sucked
I miss Tito more
5:14 fuck yes!! Look at me I'm Peter pan HEE HEE
He paid off the family of the boy he molested, so they dropped all charges. He wanted his record clean, sick son of a bitch.\nRetards. He was a pervert, and a mediocre musician.
This was prolly written by a gày
This WOULD come from my area code. I feel like I know exactly who it's from haha
I miss him too....im white and he was a fantastic singer/dancer :'( RIP
alright susanslaughter your a moron!
A): Why do you miss such trash\nB:) How the fuck is this funny at all..... I miss my grandpa so much sometimes but is that statement a tfln?
Just think, that sick fuck is burning in hell, and little boys the world over are now safe!
I hate that molester
since when do 8 year old boys have cell phones?
@ guy who said he was proven innocent, you are dumb as fuck. he was acquitted of the charges cuz someone fucked up in the case. he was never proven innocent.
Billy Mays is better
Are you a 12 year old boy?
I think 20 million made those 10 years of investigation go away ass clown
I wonder who this is!
story of my life.
This post made me think that everytime the dj plAyed one of his songs tonight... Too bad he liked little boys tho
Follow @tfln


text:
Camp EdTech Digital Photo Instructor (5th- 8th) - Belmont
- Belmont, CA
- Full-time
Company Description
Edventure More is a 501(c)(3) non-profit enrichment company that runs K-8 summer camps abd school year programs and that raises money for schools and kids in need of enrichment.
Do you love working with kids?
Are you an expert teacher and facilitator?
Are you a digital photography and graphic design wiz?
Do you love to share your passion for photography and design?
Do you enjoy leading design projects?
Are you a fan of summer camp fabulousness?
Are you fun and creative?
Are you looking for an opportunity to grow?
Do you want to be part of a great team?
Do you want to make an impact on children's lives this summer?
Camp EdTech is looking for energetic, creative, and fun digital photographer and Graphic Design Instructors to lead our inspiring skill building curriculum. Photography and Graphic Design Instructors are photo/media design students and professionals with experience in youth facilitation and expertise in digital photography and graphic design.
Job Description
Spring: Curriculum Training- (May 22nd)
Summer: Full Time- (4-7 weeks June-August)
• Approach education with passion and excitement
• Manage project groups throughout the photography and design process
• Create a positive vibe within your EdTech camper
• Work collaboratively with partner EdTech Instructor
• Responsible for campers producing projects through out the week
• Manage Counselors and CITs while in the classroom
• Work closely with the Camp Director, Counselors and other Instructors to create fun camp games, arts and crafts songs, skits and special activities/events
• Assists with camper check-in and check-out
• Interact with parents in a professional and energetic manner
• Give positive reinforcement to campers
• Help cultivate confidence and self esteem, as well as a natural love for learning
• Set-up, organize and manage classroom
• Ensure equipment security
• Assist Camp Director with camp IT and media
• Refine curriculum and add personal contributions
• Be both Instructor and 'buddy' to campers – Instructors eat lunch with campers, perform skits and build positive "role model" relationship with kids
• Instill the EdTech Vibe of kindness, respect, honesty and FUN in all campers
• BFA/current student of photography/and or media arts
• Experience facilitating groups of kids
• Experience working with K-8th graders
• Proven project management skills
• Familiar with Photoshop Elements, Apple or PC computers and digital cameras.
• Experience teaching kids in the respective mediums a HUGE plus.
• Customer service skills
• Experience interfacing and talking with parents/public
• Camp background (Preferred)
• Contagious enthusiasm and charisma
• Team player
• Creative, fun and bright
• A youth programs rock star!
Additional Information
$500 per week DOE
7:45am-4:15pm: Monday-Friday
Please see the location tab on the website for each locations dates. Staff training will take place the week prior to the locations start date.
Important Application Note:
Please attached resume and cover letter in a PDF form to insure compatibility.
Resume Due:
Resumes accepted on a rolling basis until positions filled. Most positions are filled by April 1. The sooner you apply, the better your chances.
If you have questions about our Summer time job opportunities please contact Sara Statler at 415-282-MORE, firstname.lastname@example.com.
We look forward to receiving your application!


text:
Location: |
United States |
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1130 |
Join Date: |
10/27/11 |
Last Online: |
1 hour, 25 minutes ago |
What I do for a living: |
Set-up Manager for a Catering Company. |
Headphone Inventory |
Ultimate Ears 9000 (Sold) -Way overpriced, reminds me of beats pro. Ultrasone HFI-780 (Sold) - Least comfortable headphones I've ever had the displeasure of owning Denon ah-d600 (Sold) - Amazing sig, not so great accuracy. Sony mdr-v6 - Classic neutrals Bose qc2 - Lightweight Sennheiser cx880 (Broken) - Cold & Bassy Ultimate Ears Triple-fi 10 (Sold) - Classic V sig frankenstein plug iems T-Peos H-300 - Nothing to complain about Focal Spirit Classic (Sold) Small cups, distinct lack of sub bass. MrSpeakers Mad Dog (Good sig, not enough sub bass, could use some more power in very upper mids/terble to keep them from sounding dark. Overall better clarity and separation than the d600. Philips Fidelio X2 - On their way |
Headphone Amp Inventory |
Fiio E07k (Sold) Amazing value Fiio E18 (Sold) No quality control Cayin C6 (Sold) Amazing sound, not versatile enough V-Moda Vamp Verza - Okay sound, amazing versatility |
Source Inventory |
iPod touch 5g (64gb) |
Cable Inventory |
Chris_Himself tf10 cable Copper/Silver hybrid. (Sold) - really good at oxidizing. |
Other Audio Equipment |
Eagle Tech - Arion et-ar512lr-bk - Retro AF Klipsch Promedia 2.1 - Got a refurbished pair for $40, best money I've ever spent. Logitech G930 Wireless Headset - Subpar SQ for functionality V-Moda Boom Pro microphone |
Music Preferences |
Dance, Chill out, Electronic, Progressive House, Trance, Uplifting Trance, Progressive Trance, Progressive Uplifting Trance, Progressive Uplifting Ambient Trance. |
Interests (non-headphone) |
What is (non-headphone) ? |
Gear-Fi (Favorite Non-Audio Gear & Gadgets) |
My Computer - http://pcpartpicker.com/user/Haps... -now sporting a brand new MSI Gtx970 Corsair k70 red - cherry mx red Mionix Naos 7000 ASUS vg248qe144hz Monitor |
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T-Peos Appreciation and Discussion Thread (updated with new Altone Series)
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Kendal Perez is a 20-something shopaholic who enjoys finding bargains on everything from housewares to high heels. As the marketing coordinator for Kinoli Inc., a website management company that maintains a family of money-saving websites, she has the resources to be an extreme couponer but lacks the patience. Instead, Kendal finds hassle-free ways to score real savings on necessities, impulse buys and necessary impulse buys. She shares her triumphs to help everyday consumers find deals without going to extremes.
8 specialty websites that let you book a luxury hotel room for cheap
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How investing in your company's benefits can help you save for a vacation — or retirement
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These findings about how millennials and baby boomers shop may surprise you
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The iXS Dagger series offers gravity riders a lightweight, minimalist pad without sacrificing strength or durability. The Dagger Knee/Shin has an ArmadilloDuo™ hard impact compression shell, NockOut™ shock absorbing padding, and SideTap™ side pads which will protect you from most trail related crashes.
Have them for almost a year and they still look great after various crashes. confortable and great protection.
this pads are the best of two kinds of kneepads, small but with great protection. the small sheen cover is enough for most of the hits you can get. I recommend this pads for any enduro-dh user.


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Aug 11 - Homily: St Clare the Poverella
Uploaded by AirMaria on Aug 11, 2009
St Clare, daughter of a noble family, became the most extraordinary disciple of St Francis the Poverello, the poor man of Assisi, and so she became the Poverella in imitation of the poor Christ. Ave Maria! To Download Audio go to http://airmaria.com?p=6359
Fr. Bonaventure
St clare
St. Francis
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JGB Bank owner buys HSBC's South American division
- Brian Bandell
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The owner of Doral-based JGB Bank has agreed to purchase control of HSBC Holdings' South American operations for $400 million, according to multiple media reports.
Grupo Gilinski, led by Colombian banker Jaime Gilinski, had its GNB Sudameris agree to buy the HSBC operations in Colombia, Uruguay, Peru and Paraguay. The deal for the 62 branches and $4.4 billion in assets should close in the first quarter of 2013.
Gilinski's JGB Bank is a separate entity from his South American bank, and it is also growing. JGB Bank had $410.7 million in assets on March 31, up from $384.7 million 12 months earlier. The bank earned $810,000 in the first quarter.
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I am still editing my novels so I would be taking a long break from writing new chapters for my series. But for now, I want to write a fanfiction for Hell's Kitchen. I love that show so much I thought of fiction characters and real celebrities that would be fun to see in Hell's Kitchen. Here are my ideas:
Hell's Kitchen:
Season 15
1. Gordon Ramsay
Maître d:
1. John Kasey from Chuck
Sous Chef:
1. Scott David Leibfried
2. Andrea Van Willigan
Red Team:
1. Bonnie from TVD
2. Jennifer Lawrence
3. Snooki
4. Ellen Degeneres
5. Justin Bieber
6. Cinderella
7. Zoey from Firefly
8. Oprah
9. Barbie
10. Buffy from Buffy the Vampire Slayer
Blue Team:
1. Sauce Boss from Epic Meal Time
2. Hercules from Disney's Hercules
3. Starscream from Transformers Cartoon
4. Micky from TMNT
5. Data from Star Trek
6. Neil Degrass Tyson
7. Chester A. Bum from Nostalgia Critic
8. Raj from Big Bang Theory
9. Freakout Kid from Greatest Freakout Ever
10. Chuck from Chuck


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30+ Cheap Mobile Tips
Find the best deal and cut costs
Get Martin's Free Money Tips Email!
For all the latest deals, guides and loopholes - join the 10m who get it. Don't miss out
Whether your phone's superglued to your ear or you only use it for the odd call, the chances are you're massively overpaying for the minutes, texts and data that you use.
Getting a new phone can be a big financial decision, particularly if you're committing to a contract. This guide crunches the numbers and talks you through the different options plus offers handy tips to drive down the cost of your existing mobile deal.
30+ cheap mobile tips, including...
If you're paying more than £15/mth, you're probably paying too much
How much is your mobile bill each month? If you're paying more than £15/mth, then you need to ask yourself why.
£15/mth is the key benchmark because that's how much it costs to get Virgin Mobile's* 12-month Sim-only deal with unlimited minutes, unlimited texts and a decent 3GB of 3G data. Full details of that and other top pick tariffs below, including discounted plans for those with certain broadband providers.
In our recent poll almost 25,000 of you told us how much you pay for your mobile. The results were eye-opening a whopping 72% of those on contracts which factor in the cost of a handset (and 46% overall) shell out more than £15 a month, with an average cost of £27/mth, or £330 a year.
Of course, there are valid reasons why you may be paying more than £15/mth. These include:
- You're paying off the cost of a handset.
- You're paying extra for 4G.
- You're paying more for a really hefty data allowance.
- You have a low credit score and so can't get a contract.
If one of the above applies, then at least there's a reason for your bill being higher though you still may be able to save.
But if you just settle for the same deal, provider and price each year, then STOP. Mobile tariffs are deflating in price, so if anything you should be paying less each year, not more.
Before you look for a new deal, ask yourself whether you REALLY need a new handset
The biggest single factor affecting the cost of your new mobile deal is whether or not you'll be paying for a new handset as well. It's important to understand that even if you get a contract tariff where the phone itself is 'free' or relatively cheap, in practice you'll end up paying for it and generally end up paying MORE for it through the monthly tariff.
If you already have a decent handset in good nick, you'll get a far cheaper deal if you opt for a Sim-only deal. Here you simply get the Sim card with the tariff, but no handset. (See our top picks below).
How to find a new handset
If you DO want a new handset, first think about what features you want and will use. A useful site that allows you to compare handsets is GSM Arena. It lists the full specifications for each model so you can see at a glance if it has what you need.
Read reviews online and ask friends and family for advice on which handset might be best for you before you set your heart on any gadget. You might also consider buying a second-hand phone check websites such as eBay* and Gumtree.
Check your current usage with a free matchmaking tool then find the right contract
Knowing how much you use your phone and what you use it for is crucial to getting the best plan.
Match free mins, texts and data closely to your usage. If you don't, you'll go over and overpay for calls. Go under and you'll overpay on the package.
Some tariffs offer unlimited options for calls and texts, meaning unlimited calls to UK landlines and mobiles and unlimited texts to UK mobiles- other calls/texts and roaming outside the UK will cost extra. But only the heaviest users would need this amount of allowance.
The easiest way to check your usage is to simply dust off your last three to six months' bills, jot down what you use every month and then work out the average. Or if you ring your provider, it'll usually tell you you may also be able to check online.
- Free matchmaking tool: Billmonitor* compares your previous three months of bills to find the best contract or Sim-only deal based on your usage. Currently it works with O2, Three and Vodafone (but not EE, Virgin or Tesco Mobile).
Is it safe to give Billmonitor your login details?
Billmonitor says it follows a robust data security policy which it's outlined to the telecoms regulator Ofcom, and encrypts all users' passwords.
- Finds the best deals in the market: MobilePhoneChecker* is one of only two Ofcom-accredited mobile comparison tools (along with Billmonitor). It's easy to use and the most comprehensive we've come accross, searching tariffs from a number of resellers and covering a huge range of models. It has also recently introduced a bill monitoring feature, but it works with EE, Giffgaff, O2, Talk Mobile, Tesco Mobile, Three and Vodafone.
- If you know what you want: Head to MoneySupermarket* where you can specify an allowance of minutes, texts and data and it'll show you the cheapest tariff for that package. Crucially, you can also search by handset and filter by cashback.
- For a quick search: Use Omio* to narrow down your search by cost, allowance or type of handset. You can also sort by phone features and operating systems (eg, Android, iPhone or Symbian) and by network (useful if your coverage is hit and miss). Omio doesn't automatically sort by cheapest price though, so make sure you change the dropdown tab.
Don't forget about cashback. The mobile market is rife with a variety of discount packages, so it's important to understand the difference.
How to claim discounts and beat the cashback trap
There are lots of different ways to claim cashback see the variations below:
- Redemption cashback. The big discounts come in the form of a "cashback redemption" that has to be claimed from the retailer, yet they're notoriously unreliable.
- Automatic cashback. These are cashback deals where you're sent a cheque automatically without claiming. They usually don't offer as big a discount as manual cashback. Some deals can also be part manual, part automatic cashback if that's the case, only count on receiving the automatic amount.
- Cashback via cashback sites. It's possible to sometimes beat the deals above with some powerhouse cashback offers, most commonly for Sim-only deals. However, don't think of this type of cashback as guaranteed there are often problems. Read the Top Cashback Sites guide for full info.
Reclaiming usually involves filling in a form and sending it off up to five times during the contract period. Fail to do exactly this and you'll miss out on the whole discount. The main things to watch for are:
- Always read the small print. It's important to discover every hoop they'll force you through. Does each time you send a form trigger some payment? Or, as usual, is it a "send all or get nothing" scenario, so if you miss sending one form, the whole thing's invalidated?
- Call and check the timings needed. Never assume a cashback deal is simple. If it says "send your bill after three months", this may mean three months from application, three months from activating the phone or after you've received your third monthly bill. Call the cashback company and check.
- Be careful with addresses. The address you send claims from needs to be the address used to order with, otherwise the claim may be invalidated. So if you move house, let them know immediately.
- Are you keeping your old mobile number? If you port your existing number to the new contract then you might be asked to send, in addition, the very first bill you received showing the original mobile number you were allocated.
- Use the Tart Alert as a reminder. The Tart Alert is this site's free text message/email reminder service; it's mainly to remind people before their credit card 0% period ends, but you can use it as a reminder to fill in your rebate form. Enter the rebate date and you'll be sent a free text message or email (it's your choice) six weeks beforehand.
- Consider another form of cashback. Regardless of whether cashback is officially offered, there's a possible additional amount. Simply sign up for the phone via a cashback website.
These are special sites carrying paid links from retailers and if you click through them and get a product, they're paid. Importantly, they then give you some of this cash. It's nowhere near as big a deal as cashback redemption but could mean an extra £20 or £30. Find out more in the Top Cashback Sites guide. - The cashback deal's with the retailer, the tariff with the network. Even if it goes wrong, you still keep the tariff with the network. Sadly, cashback retailers can and do go bust; if yours does, it'll be tough to recoup. Yet don't forget the networks encourage these deals, and if you believe you've been unfairly treated, a strong letter to the network asking it to step in may be worthwhile.
If you do have cashback problems, always make sure you report the company to Trading Standards. If you've been treated unfairly, consider a small claims court action.
Choose the right type of tariff: contract, Sim-only or pay-as-you-go
The number of different mobile tariffs on the market can be baffling there are thousands of different combinations and it can be tricky to compare them on a like-for-like basis.
There are three different types of tariffs to choose from. Here's how they stack up:
Contract with handset best for heavy users and spreading the cost
With a traditional mobile phone contract you pay a monthly fee and get a handset plus an inclusive bundle with a certain allowance of minutes, texts and data.
Handset price is spread out but it costs you more in the long term
Often better for heavy users, especially on calls and texts
You'll be locked in for 12, 18 or 24 months
No risk of running out of credit
Sim-only contract if you've got a handset you like and want flexibility
There are two types of Sim-only deals 30-day rolling contracts which you are free to leave each month, or fixed term contracts, usually lasting 12 months.
- Good if you have a handset or can afford to buy one upfront
- Rolling 30-day contracts offer maximum flexibility
- Often good for heavy data users
PAYG no ties and never go over your allowance
If you pay for your mobile via pay-as-you-go, you won't be tied into any contract simply pay in advance for what you use via top-ups, online or on the phone.
PAYG doesn't require any credit check
Easier to budget
- Generally more expensive for medium or heavy users
Happy with your handset? Haggle down the contract costs
If you don't want to switch, and are near or past your contract's end, you're wielding a powerful weapon... your loyalty. When approaching the end of your contract, make sure you demand the very best deal possible not just of your network, but of any out there.
The mobile world's a mature market. Everyone has a handset, so networks fight hard to win custom from elsewhere AND keep their own. If your provider won't give you a good enough deal, let it know. The aim's to get through to 'customer disconnections', which internally is often called 'retentions' as its job is to keep you. Watch Martin show Mrs MSE how to do it, with real chutzpah!
We know this method works, as you regularly tell us it does. Forumite elfy1807 says: "My contract with Orange was up and I asked them what they could do for me. I turned down two offers until I got £16/mth, 1.5GB data, unltd texts and 2,000 mins a saving of £36/mth, that's £432/yr."
Full help on how to do this in our Haggle Down Your Mobile Bill guide.
4G gives you superfast internet - but beware of it sucking up your allowance
Networks claim that 4G is up to 5x faster than 3G, though Ofcom estimates suggest that in practice downloads are only twice as fast, compared to uploads which are up to seven times quicker. The regulator also says 4G and 3G performance differs between networks, with some outperforming others.
Many operators charge more for 4G tariffs, and even if they don't, you're likely to use more data if you're on one.
So think about where you use your phone. If you're out and about a lot and will benefit from a faster connection, it may be worth it. If you mainly use it at home and work and you're able to connect to wi-fi there, then that often beats 4G anyway.
To get 4G you'll need a handset that's capable of getting it (many launched in the last two years can).
Top Sim-only deals
If you're happy with your mobile handset or are buying one upfront, then it's well worth looking at Sim-only deals as they generally offer a cheaper alternative.
Unless you're already with a Sim-only tariff provider, you'll probably need to get your phone unlocked (though Giffgaff will work if your phone is locked to O2). Our Mobile Unlocking guide has full help. Also see our PAYG top picks, including GiffGaff bundles and options for low users or those concerned about being credit-scored.
Unltd mins, unltd texts and unltd 3G data £12/mth if you're a TalkTalk broadband customer
TalkTalk Mobile* - great deal for TalkTalk customers if you don't need 4G
Until Tues 30 Jun TalkTalk* broadband customers can get its latest Sim-only offering which we think is a stand-out deal. For £12/mth you get unlimited minutes, texts and 3G data on a rolling 30-day contract, meaning that as long as you give 30 days' notice, you can cancel anytime.
For those who can get it and if you can live without 4G data, this is the cheapest deal around at the moment - especially considering it's on a short-term plan.
Unfortunately tethering isn't allowed on TalkTalk Sims so you can't share the data to use on other devices.
If you cancel your broadband contract at any point, the cost of the Sim will rise to £24/mth and the allowance will revert to 2,000 minutes, unlimited text and 2GB of data so consider switching your Sim deal then too.
Alternatively, if you don't need such a big allowance you can get the following plans, though they're all on 12-month contracts:
£3.95/mth for TalkTalk b'band custs. 250 mins, 250 texts, 300MB.
£6.50/mth for TalkTalk b'band custs. 400 mins, unltd texts, 1GB.
£7.75/mth for TalkTalk b'band custs. 700 mins, unltd texts, 2GB.
- 30-day rolling contract.
- Runs off the Vodafone network.
- Calls and texts to UK mobiles and landlines, as well as 0800 numbers, included. Calls to other 08 numbers may cost extra.
- You'll be credit-checked see our Credit Scores guide.
- Tethering is not permitted.
500 mins, unltd texts and 2GB of 4G data for £12/mth if you're a BT broadband customer
BT Mobile* - strong deal for existing BT customers
Telecoms giant BT* has returned to the mobile market with a bang, offering three 12mth Sim-only plans. If you're a BT broadband customer, you'll pay £5/mth less for each of the tariffs than everyone else, which makes them among the most competitive on the market (though BT's broadband prices can often be beaten so it's not worth swapping providers just to bag this deal).
All the plans come with 4G data, a free BT Sport app, free access to more than five million BT Wi-fi hotspots and free calls to 0800 numbers.
Here are the options:
£5/mth for BT b'band custs (£10/mth otherwise). 200 mins, unltd texts, 500MB.
£12/mth for BT b'band custs (£17/mth otherwise). 500 mins, unltd texts, 2GB.
£20/mth for BT b'band custs (£25/mth otherwise). Unltd mins and texts, 20GB.
BT allows you to switch tariffs mid-contract with no penalties or extensions, but you can only downgrade once. If you stop being a BT broadband customer at any point your monthly mobile tariff will jump by £5.
- 12mth contract.
- Runs off the EE network.
- Calls and texts to UK mobiles and landlines, as well as 0800 numbers, included. Calls to other 08 numbers may cost extra.
- Monthly spending can be capped, from a starting point of £5 over your tariff.
- Use up your allowance and you'll have to pay 35p/min and 10p/MB. Full costs here.
- You'll be credit-checked see our Credit Scores guide.
If you don't want to worry about exceeding your allowance, Virgin Mobile's* £15/mth Sim-only tariff gives you unlimited minutes, unlimited texts and a decent 3GB of 3G data each month, which should be enough for all but the heaviest users.
To get the deal, click "No I don't" below where it asks if you're already a Virgin Media customer (existing customers can get the same deal on a 30-day rolling basis). The interface can be buggy at times so make sure you click "12 months" even if it's preselected.
It's a 12-month contract if you want the flexibility of a 30-day rolling contract, you can get the same deal for £20/mth, but you may want to check if other providers can beat it.
- 12-month contract.
- Runs off the EE network.
- Monthly bills by post cost an extra £1.50/mth, but free if paperless.
- If you're already a VM customer you get the same tariff on 30-day rolling, instead of 12-month, contract for £15/mth.
- Data is charged at £1/day if you exceed your allowance.
- You'll be credit checked see our Credit Scores guide.
3,000 mins, 5,000 texts and 2GB data for £15/mth
Tesco mobile* top all-round 4G contract
With a decent allowance across minutes, texts and data, this is a good all-rounder if you want 4G data. On a 12-month contract, Tesco Mobile* is offering 3,000 minutes, 5,000 texts and 2GB of 4G data for £15/mth.
Although it gives 1GB less allowance than the Virgin deal below, it's data runs at 4G speeds whereas Virgin only offers 3G.
- 12-month contract.
- Runs of the O2 network.
- Monthly spending can be capped.
- If you eat up your allowance, it's 10p/MB for data, 25p/min for calls to UK mobiles or landlines and 10p per text.
- You'll be credit checked see our Credit Scores guide.
Unltd mins, unltd texts and 3GB data for £15/mth
Virgin Mobile* Top all-round 3G contract
Unltd 4G data, unltd texts and 600 mins for £22/mth
Three* good for heavy data users
If you're looking for a cheap deal with lots of 4G data, Three's* £22/mth Sim-only tariff gives you 600 minutes, unlimited texts and unlimited 4G data on a 12-month contract. If you'd rather have the freedom of a rolling contract, then it's £25/mth.
Alternatively if you want to go all out, you can get unlimited minutes, texts and 4G data on a 12-month contract for £27/mth, or £30/mth on a 30-day contract.
- Calls to 0800 numbers included.
- If your minute allowance runs out you'll be charged 35p/min.
- Three's 'Feel at Home' feature lets you use your allowance in 18 countries at no extra cost.
- Turn your phone into a wi-fi hotspot with tethering (limit of 4GB/mth).
- You'll be credit checked see our Credit Scores guide for how you can boost yours.
Swanky smartphones are NEVER MoneySaving, but if you get one, get it cheaply
Sadly, there's no way round this one a shiny high-spec smartphone just isn't MoneySaving. But if you absolutely must get your mitts on one, it's possible to pay less and avoid being locked into a long contract if you do it right.
The cheapest way to get a new iPhone 6 or Samsung S5 is usually to buy the handset upfront, then get a separate Sim-only deal but not everyone can afford to do this. If you can't pay upfront, then perhaps think about switching down to a cheaper model, waiting and saving up for it.
If you're going to get one anyway though, check our top picks on tariffs plus comparison tools and useful tips and tricks in Cheap iPhones and Cheap Samsungs.
In some cases it can actually be cheaper to get a 44% APR loan than a handset on contract
If you don't have the readies to pay upfront for a handset, think long and hard before tying yourself into a lengthy contract instead even if it offers you the phone 'free' or at a much-reduced upfront cost. Not only will the cost of the handset be wrapped up in the monthly tariff, you'll nearly always be paying a significant amount extra over the course of the contract.
We've crunched the numbers and calculated that in some cases it'd actually be cheaper to buy a handset direct with a 44% APR two-year loan (typical contract length) than take a contract. (Of course, we're not suggesting you do that.)
We worked out how much extra users would pay with six of the UK's biggest mobile providers if they were to get a 16GB iPhone 6 or a Samsung Galaxy S5 on a two-year contract, as opposed to buying the handset directly and taking out the same network's equivalent Sim-only deal.
The table below displays the 'effective APR', which is the interest rate you could afford to pay on a loan to buy the handset upfront plus get the equivalent Sim-only plan on the same network and it STILL be cheaper than taking out a similar contract deal from each network.
'Effective APR' of popular phones
Network | iPhone 6 (16GB) | Samsung Galaxy S5 |
Virgin Mobile 1 | 44% | 42% |
EE (incl T-Mobile & Orange) | 35% | 14% |
Vodafone | 13% | 13% |
Three | 11% | Same on contract |
O2 | 8% | Cheaper on contract |
Tesco Mobile | 4.5% | 24% |
(1) Non existing Virgin Media customers. Figures rounded to the nearest percent. Table correct as of 3 Mar 2015. |
Mobile providers say that a contract isn't a loan (so they don't usually display an APR) but effectively it is one as you're credit checked. Even if a network offers you a deal where you can pay the cost of the handset and your tariff off separately you're likely to be paying a premium.
Quick question:
Could I get the handset on a 0% credit card instead?
If you want a snazzy phone but can't afford to buy the handset upfront, you're best off saving up. But if you really can't wait, then instead of paying mobile providers' inflated prices, you might want to consider taking out a credit card with a lengthy 0% Credit Card spending offer, buying the phone upfront, then stashing the card in a bowl of water in the freezer (so you won't be tempted to use it again) and getting a cheap Sim-only deal.
The longest 0% card currently is Halifaxs 20mth 0%* or Clydesdale's 20mth 0%* but remember you must always ensure you meet the minimum repayments and clear it before the 0% term ends or it jumps to 18.9% rep APR. Use our eligibility calc to see which cards will most likely accept you. See a full range of alternatives in our 0% Credit Card spending guide.
Top PAYG deals for low users or to avoid being credit checked
If you're a very low user, can't pass a credit score or just want to be totally in control of how much you spend, then opting for a pay-as-you-go (PAYG) deal might be good option.
Why does my credit score matter? When you apply for a mobile contract (including Sim-only contracts) you're usually credit scored (because the company is spreading the cost of the handset over the contract, so for the firm, it's effectively a loan). If your credit history's poor then there's a chance you will be rejected and won't get a contract.
If this happens, don't despair you still have options. You can choose between Giffgaff (which doesn't credit score you because you're technically prepaying rather than signing up for a contract) or another PAYG provider. Or alternatively, you could always try boosting your credit score.
Tiered bundles incl 500 mins, unlimited texts and 1GB data for £10/mth
Giffgaff* - no contract commitment for max flexibility
Sim-only provider Giffgaff* offers PAYG bundles called Goodybags, which start from £5/mth and go all the way up to £18/mth. Here's a summary of selected bundles (view the full list). All bundles include unlimited Giffgaff-to-Giffgaff calls and texts. The cheapest bundles have very low allowances, so check what's included before you buy.
£7.50/mth Goodybag. 200 mins, unlimited texts, 250MB data.
£10/mth Goodybag. 500 mins, unlimited texts, 1GB data.
£12/mth Goodybag. 500 mins, unlimited texts, 3GB data.
£15/mth Goodybag. 500 mins, unlimited texts, 5GB data.
£20/mth Goodybag. 2,000 mins, unlimited texts, unlimited data.
The Goodybags listed above come with 3G data. Giffgaff now also offers the following 4G Goodybags*. All 4G bundles also include unlimited Giffgaff-to-Giffgaff calls and texts.
£12/mth 4G Goodybag. 500 mins, unlimited texts, 1GB data.
£15/mth 4G Goodybag. 500 mins, unlimited texts, 3GB data.
- £18/mth 4G Goodybag. 1,000 mins, unlimited texts, 5GB data.
- Buy bundles on a 30-day rolling basis.
- Runs off the O2 network.
- No credit check.
- You won't be able to go over your allowance without buying another goodybag (unless you have credit).
Call for 3p/min, text for 2p/text and browse the web for 1p/MB
Three 321* Best for low users or emergency phones
The 321 tariff from Three* does just what it says on the tin it's a simple and cheap tariff, charging on a pure pay-as-you-go basis. It's a cracking deal for occasional mobile users, as it's by far the cheapest PAYG rate on the market.
It's a Sim-only deal, so you'll need an unlocked or Three handset to put the Sim into. It'll only work in 3G-compatible handsets.
How much is it? Top up with £10 minimum and it costs 3p/min for calls, 2p/text and 1p/MB for data (though the first 150MB after each top-up is free).
The credit will stay on your phone for six months if unused use your phone occasionally and it'll stay on permanently.
Can I add extras on? If you want extras, such as "all you can eat" data, you can add these whenever you need to (see the Three website* for info).
There are a range of other PAYG providers to choose from. Here are their pay-as-you-go rates:
PAYG rates compared
Three* | Giffgaff* | EE* | O2* | Vodafone* | |
Calls | 3p/min | 10p/min | 30p/min | 35p/min | 30p/min |
Texts | 2p/text | 6p/text | 12p/text | 12p/text | 14p/text |
Data | 1p/MB (4G) | 20p/day1 (3G) |
N/A2 | £1/day3 (3G) | £2/day4 (3G) |
1. For the first 20MB, 20p/MB thereafter. 2. Cannot pay for data as you go, must buy a data add-on / pack. 3. Up to 50MB/day. 4. For the first 50MB, 10p/MB therefater. |
This is out what you'll get from each on a £10 bundle, which gives better value than paying as you go. They're more like Sim-only plans in that you get a fixed allowance each month, the difference being you'll still have to top up if you want to use more or buy another bundle.
Get a 'granny in a glovebox' grab a cheap emergency phone
A granny in a glovebox phone is great to stash in your car as an emergency second mobile, to give to your kids or if you only need to use a phone very occasionally.
One of the cheapest we've found, which doesn't need to be topped up often, is the unlocked Samsung E1200* from Tesco Direct for £15.
Since it's unlocked, you can pick up a PAYG Sim from any of the networks. Bear in mind though that Three Sim cards won't work in 2G (older, non-smartphone) handsets, so we recommend taking one with another network such as Giffgaff if you're planning on using it in this way.
If you're after a phone with web access, one example of a cheap smartphone on a pay-as-you-go contract is the ex-display Samsung Galaxy Y*, at £48.16 (plus £2.99 p&p) from eBuyer. Again, it's unlocked so you'll need to buy your own Sim card too a Three Sim will work in this handset.
Before you commit to a contract, check network coverage and know your rights if you end up having problems
Before committing to a contract, check signal strength in the places you use your phone most, eg, at home and at work. Having no coverage isn't sufficient grounds to return your phone (though normal consumer rights do apply), so it's your responsibility to check.
The major providers all have maps indicating what 3G and 4G coverage they offer, although providers can be generous and overestimate signals.
What are my rights if I'm unhappy with my mobile coverage? It very much depends. Under consumer law you can cancel your mobile contract up to 14 days after you sign up but if the problem arises after that, it's tricky.
The telecoms regulator Ofcom says it expects providers to deal "fairly and sympathetically" with customers who have signal issues because of mobile network problems for example if a provider switches off a mast or there are faults with the network. In these circumstances the customer should be offered compensation or be allowed to leave the contract early without penalty.
However, if the reason for the loss of coverage is unclear or in dispute say if there's bad weather it's less clear cut. In these cases Ofcom says you have "clear rights to seek redress or a resolution" to a complaint. In the first instance complain directly to your network, and if it's not able to help then go through its official complaints procedure.
If after eight weeks the response you've got isn't up to scratch (or you haven't got one) you can go through an alternative dispute resolution (ADR) scheme. These are independent schemes which can investigate the complaint if they find in your favour, they can order the mobile phone provider to pay out up to £5,000 in compensation for any loss you may have suffered.
Alternatively, go to free complaints handling company Resolver who will help you with your claim. If it doesn't get anywhere with the provider, it'll escalate it on your behalf to the relevant ADR scheme.
Make sure you've the right size Sim
There are three Sim sizes around - standard, micro and nano - and which one you'll need depends on your handset. All iPhone models from the iPhone 5 onwards use a nano Sim, as do some of the latest Android phones such as the Nexus 6.
Most other Android phones, including the Samsung S5, Note 4 and Windows phones, take micro Sims, which are slightly larger than nano Sims. The iPhone 4 and 4S also take micro Sims.
Standard-size Sims haven't been used in smartphones for the past few years and not many take them anymore. If you're upgrading to a newer handset, most networks can very easily swap your Sim card for the right one if you ask.
Consider the contract length don't end up in a two-year 'relationship' that you can't afford
If you sign up for a contract you're essentially commiting to a phone company (and often a handset too) for the length of the contract. This means you must think carefully about your budget and if you can afford the ongoing, monthly payments. The amount of time varies between deals a few last 12 months, but most high-end smartphone contracts now span 24 months.
Before you sign up to a contract make sure you're happy to be locked in for the minimum term. If you want to leave early then it's likely that you'll have to pay termination fees which cover the cost of the contract.
Some providers have started to offer tariffs which make it easier for customers to upgrade early. (See below for full details.)
Always calculate the total cost of the contract
Whether you're taking out a 12-month or 24-month contract you should always look at how the total cost compares. You can do this by multiplying the monthly cost by the length of the contract, then adding in the upfront cost.
For example, let's say there's an upfront cost of £39, plus a monthly charge of £15 multiplied by 18 months. The total cost of the contract would equal £309.
Don't ditch your digits! Get a PAC to keep your number when you switch
Transferring, or 'porting', your old mobile number is easy when you switch phone provider. All you need to do is get your PAC (porting authorisation code) from your existing provider, then give it to your new one.
Most networks will ask you to request a switch of number before you start using your new phone, but some will still do it after the new contract is set up. It usually only takes a couple of days.
You can't port your number within the same network, so if you take out a deal on your existing network that's intended for new customers (ie, that isn't specifically an upgrade) you won't be able to keep your old number. When you terminate the old contract you'll lose it.
The only way to get the new deal and keep your number would be to get yourself a free pay-as-you-go Sim from a different network, port your existing number across to it, then port it again to the new contract once it's been set up.
Recycle your old handset and earn £100s
If you're getting a new handset, recycle the old one and you could earn £100s, depending on the make, model and condition of the phone.
There are a raft of companies out there willing to recycle your phone for cash, yet be warned the differences in what they'll offer are huge. At the time of writing, for example, a 16GB iPhone 5 could fetch anything from £49 to £108.
To help, use our unique MobileValuer tool it instantly tells you what each of the main mobile recycling sites will pay. You can get up to £400 for some handsets. Of course others are virtually worthless, but it's worth a quick try.
Once you agree to sell, most companies send you a Freepost bag for your phone. You post it, and they'll give you the cash.
These sites are all about instant prices though. If you're prepared to put in a little more effort and flog your handset on eBay, you can often beat their prices. See our full 30+ eBay Selling Tricks guide for more info.
'Piggybacking' means you do have a choice of mobile provider even if you can only get signal with one network
If you live somewhere with rubbish phone signal and you can only get coverage on one or two networks, fear not. You may assume your choice of provider is limited but switching to a 'piggyback' deal can allow you to cut bills without your signal dropping.
There are only four UK networks EE, Vodafone, Three and O2. All the others piggyback on and buy space from one of these four. For example, Tesco and Giffgaff are on O2, Asda is on EE and TalkMobile is on Vodafone.
You're still using the same network as the larger company so the reliability's the same, but it's normally cheaper or you get more. For example, £12/mth gets you an O2 Sim with 300 mins, unlimited calls and 300MB data, but alternatively you can get a Giffgaff Sim (on the O2 network) with 500 mins, unlimited texts and 1GB of data.
There are lots of piggybackers to choose from see our full mobile piggybacking guide & list to see which you can move to, paying less with the same signal.
Don't sign on the dotted line until you've used our 'before you buy' checklist
Signing up to a new mobile deal, especially if it's a contract that locks you in, is a big commitment. Most contracts will lock you in for 24 months, which means that you won't be able to get out of paying for it during this time. That's why we've come up with six MUST-CHECK points to consider before you sign on the dotted line.
- Check coverage. Most operators will allow you to check your coverage by tapping your postcode into a tool on their website. It's well worth researching before you sign up.
- Don't forget about credit checks. If you have a poor credit history then there's a chance that you could get rejected for a contract. When you apply for a mobile contract the provider will check your score to see how reliable you are at paying bills on time. Before applying, check your credit score, and if necessary see our tips for boosting your credit score.
- Consider the contract length and total cost of the contract. Do the maths to make sure you're getting a good deal.
- Do you need mobile phone insurance? Depending on the cost of replacing your handset it might be worth getting mobile phone insurance. See our Cheap Mobile Insurance guide for full info.
- Keep your number when you switch. It's easy to keep your number but you'll need to get your PAC code.
Many providers allow early upgrades
If you're happy to stick with your current provider, then it's often possible to upgrade your handset before your current contract comes to an end.
Don't forget that the cheapest deals usually some from switching provider, but if you're willing to haggle then this info might be useful. The following table sets out the major providers' early upgrade policies.
How early can you upgrade?
Provider | Energy upgrade policy |
EE (incl T-Mobile and Orange) | Switch to a new phone and plan up to 45 days before your contract ends. |
O2 | O2 Refresh splits your monthly statement into a cost for the handset and cost for your allowance. You can pay off the handset part of your contract whenever you want and upgrade without also having to pay off the allowance segment youll just continue paying it alongside the new device segment of the bill. |
Vodafone | Upgrade up to 30 days before your contract ends. |
Three | Upgrade up to 30 days before your contract ends. |
Tesco Mobile | The same system as O2 Refresh, above. |
Virgin Mobile | No official policy on early upgrades but it sometimes sends out 'early upgrade offers' to customers. |
Know how to unlock your phone to ensure you have maximum choice of provider
Unlocking your phone means you can use any network's Sim, which gives you the freedom to switch providers and hopefully cut your mobile phone bill.
Some handsets are unlocked when you buy them usually if you purchase them directly from the company that makes them or if you buy from a middleman store such as Carphone Warehouse. But if you got your handset from a network it will usually be 'locked' to that specific provider.
You may be able to unlock your phone for free, depending on your network and the type of handset you have. If you can't then providers will charge you for an unlocking code prices vary but it usually costs between £15-£20. See our Mobile Phone Unlocking guide for full details.
Decide whether you need mobile phone insurance and if you do, get a cheap deal from as little as £5/mth
The best mobile phones no longer just make calls. They're our diaries, contact books, cameras, games consoles and more so lose it, break it or have it nicked and there can be tears.
Insurers play on this fear with hefty prices and unnecessary cover. Yet you can get cheap smartphone and iPhone insurance from £5/month.
But do you really need insurance? Deciding whether to get a policy comes down to the fact that you know yourself better than insurers will.
How likely are you to lose or damage your phone? If your mobile's been permanently attached to your hand and you haven't broken it or lost in the last 10 years, the chances you'll lose or break it in the future are slim. But if you've broken or lost a phone in the past then it might be worth considering. It's important to know yourself, then you can play the odds.
Are you worried about mobile phone theft? Theft of mobile phones is falling, according to a report by the Home Office earlier this year but these numbers are often questioned because it's believed a high proportion of mobile theft is never reported. If you live in a crime hotspot then insuring your phone for theft might be a good idea.
Beware of exceeding your data allowance, it could add £60/yr to your bill
If you use up your data allowance before the end of each month it could end up costing you. The majority of networks will ask you to pay an extra chunk of cash if you want to extend your allowance, usually around £5/mth. This could add £60 (or more) to your annual mobile bill.
There are a number of ways to avoid this:
Be sure you understand what unlimited includes
Many mobile contract and Sim-only deals offer unlimited minutes, texts or data, but its important to understand what that actually covers.
Unlimited minutes means to UK landlines and mobiles, and unlimited texts to UK mobiles other calls/texts and roaming outside the UK may cost more. Always make sure you know exactly whats covered and what youll have to pay extra for.
Similarly some networks place 'fair usage' caps on their 'unlimited' tariffs, (confusingly) limiting the allowance you actually get. Where a provider does this on a plan we write about we'll say so, but it's worth checking yourself before signing up.
Use free wi-fi spots to save on data costs
If you've a smartphone, you may find you can keep costs down by taking a smaller data plan and using free wi-fi while you're out and about.
There are wi-fi hotspots dotted all over the UK (and abroad), many of which are free. McDonald's, Starbucks, Wetherspoons and Walkabout pubs all offer free wireless internet. It's also worth checking My Hotspots (UK-only, quite limited).
Find out more about free wi-fi hotspots and how to save on mobile data costs in the Mobile Broadband & Wi-Fi guide.
Avoid roaming charges don't get hit with a huge holiday bill
Head abroad and your mobile provider may hike prices massively, and even charge for receiving calls as well. Yet you can substantially cut the cost by using networks' hidden deals or by getting a specialist Sim card to use overseas.
Get more info on the cost of using your phone abroad and the various specialist Sims available in the Mobile Roaming guide.Cut the cost of calling abroad or do it for free
Calling someone overseas from your mobile often costs big bucks, yet it doesn't have to be that way. Making free internet phone calls (VoIP) sounds complicated, but it's very easy, especially if you have a smartphone.
Our guide to Free Web Calls has details on apps that let you call for nowt, how to make free calls from your computer and the best way to call friends who don't use VoIP. Don't forget to also consult our International Callchecker which tells you the cheapest way to call any country from the UK.
If your phone is faulty, then it's the responsibility of the retailer to fix it
All the usual consumer rights apply when you buy a mobile phone. The phone must be of satisfactory quality and fit for purpose. (See the Consumer Rights guide for more.)
Remember here, the responsibility lies with the retailer, not the manufacturer. So if you discover a problem after buying a new phone, it's the retailer who must sort the problem for you.
If the fault is minor, it's reasonable to accept a repair. If not, you're entitled to a refund, although the retailer can deduct an amount for the use you've already had.
If you think you've been mis-sold your mobile contract then you have rights
If you think that you've been mis-sold, either by the mobile phone company or by a company selling on its behalf, then you need to know your rights. Your first action should be to inform the provider and follow its complaints procedure. Or, use free complaints handling company Resolver, who will help you with your claim.
After that, if you are still unhappy and feel the issue has not been resolved, Resolver will appeal on your behalf to one of two Alternative Dispute Resolution schemes Ombudsman Services: Communications and CISAS which act as middlemen between mobile phone providers and users.
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You have rights if your mobile phone provider hikes prices mid-contract
If you're locked into a phone contract and your provider decides to hike prices, then you may be able to get out of the deal without paying a penalty.
Over the past few years mobile phone firms have started introducing annual price hikes, usually in line with inflation, which affect customers who are mid-contract. This used to mean that the price of your contract would rise and there was nothing you could do about it.
in January 2014 Ofcom changed the rules around mid-contract price rises. It confirmed that users with a landline, broadband or mobile contract should be allowed to leave if their provider introduces unilateral mid-contract price rises.
Ofcom said price increases to a recurring monthly subscription are "materially detrimental" to users. Providers now need to give at least 30 days' notice of any such rises and allow users to leave the contract without penalty (see the O2 to hike its prices MSE news story).
These rules apply to any NEW contract taken out after 23 January 2014. Unfortunately they don't apply retrospectively though, so companies can still hike prices for contracts taken out before this date.
What's more, if there's a warning in your T&Cs about mid-contract price hikes in line with inflation then they can side-step this ruling entirely. EE and O2 are the only networks that do this currently.
Adjustments are made in line with figures published in February each year based on the Retail Prices Index (a measure of inflation). This year the RPI grew by 1.1% and both EE and O2 will put up customers' monthly payments by the full 1.1% - EE on 26 Mar and O2 on 1 Apr. Any bill you receive after those dates will reflect the increase.
If you've switched providers recently, check whether you're owed cash
If you've switched mobile provider within the last six years and still had money remaining in your account when you left then it's possible to claim it back.
Many providers don't automatically refund credit when you leave, so it's worth checking. See our Reclaim Phone Credit guide for full details.
Avoid costly 0800 calls from your mobile
If you call an 0800, 0808 or 0500 number from a landline then its free but call from a mobile and you could pay up to 20p/min.
But there are services that allow you to connect to free numbers via a standard landline number. To find out how to do this read our guide on Free Calls to 0800 Numbers.
Some providers charge for voicemail services deactivate this to avoid charges
Many assume voicemail is always free. Yet exceed your inclusive minutes or call from abroad and voicemail costs up to 40p/min on contracts out of allowances. On PAYG it can cost up to 26p/min. Keep track of how many minutes you have left or turn it off entirely, especially on holidays. Simply call your network and get it to deactivate voicemail.
You could try an app such as HulloMail. Download it to your smartphone and it replaces the voicemail system on your phone, using wi-fi or 3G to retrieve messages. It can be patchy if you're in an area with limited signal, but it's worth considering if voicemail is costing you big.
How to complain about your mobile provider
The mobile industry doesn't have the best customer service reputation and while a provider may be good for some, it can be hell for others. Common problems include limited network coverage, slow data speeds, unexpected charges and more. Its always worth trying to call your provider first, but if not then
Free tool if youre having a problem
This tool helps you draft your complaint and manage it too. Its totally free, and offered by a firm called Resolver which we like so much we work with it to help people get complaints justice.
If the complaint isn't resolved, Resolver will automatically escalate it to the free Ombudsman Services (or CISAS if you're complaining about EE or Virgin Mobile).
Important: if your issue is about a voucher or incentive that was part of an MSE Blagged deal, then instead just let us know by emailing email@example.com as thats usually quicker.


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Drupe, a fleshy fruit that develops from a single ovary and contains one or more seeds enclosed within a hard pit, or stone, in the fruit's center. s.
The almond is an example of a drupe.
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