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Five tips for choosing a new cellphone provider

If you've reached your limit with paying for unused minutes and features, overage fees, and long-term contracts, it may be time to shop around for a new provider. With cellphone service providers being as numerous and diverse as today's phones themselves, it can be a daunting prospect. However, with a little legwork, you can find a cellphone company that works for you and your changing needs.

Tips for a bigger tax refund

If you typically dread income tax time, remember this: Three out of four taxpayers receive a federal refund, and the average direct-deposited refund last year was $2,923. You have almost as many tax savings opportunities as last year, thanks to the fiscal cliff-averting tax changes passed in early January. In addition to extending the lower Bush-era income tax rates for nearly all taxpayers, the American Tax Relief Act made permanent or extended dozens of tax breaks.

Get the most from your mobile phone service

With more than 320 million mobile phones in the country, it's no surprise that most Americans say wireless phone access is so important that it would be the last item they would give up if money were tight. What may raise an eyebrow is what else they're willing to cut to keep their mobile phones: cable TV, personal savings and spending on gas, according to a recent survey by Toluna, a market research firm.