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Hack Your Data Plan To Save Money, Browse Faster

By Frugaling 4 Comments

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Hacking a Computer and Smartphone Data Plan
Hackers Gonna Hack. Photo: Mr. Cacahuate/Flickr

Cellular data plans still cost a small fortune for many users. Data (measured in KB, MB, and GB) is being sent from cellular towers to main Internet lines, and this process often begets a premium to traditional broadband or cable. Unlimited data plans are often more expensive than limited options; if you’re frugal, you’re likely sticking with a pre-paid option.

If you’re stuck on pre-paid, family, or limited data plans, you might have lofty bills, angry siblings, and/or go data-less if you’re over the limit. The inherent problem with many apps is that they are constructed to be data intensive, rich. All the flash and pomp adds up. This can leave your monthly data plan on empty. With some forethought and these three applications, you’ll see your data plan have new power.

1. Google Chrome for Mobile (Android/iOS)

Chrome for OS Data Plan
The All-New Chrome For OS Will Save Your Data Plan

Over the last week, Google released major updates to the iPhone iOS version of its app. Branded as Chrome for iOS, users can activate bandwidth compression technologies that can reduce your data traffic substantially and speed up browsing. Here’s some more information about this development:

By having your web browsing flow through Google’s servers, the company can compress your data (and especially images) to help you save up to 50 percent of bandwidth while you are browsing. Google will not, however, use the proxy for any connections to any sites that use secure connections (HTTPS). (Techcrunch.com)

Like the rest of these apps, some settings must be enabled to engage in data savings. Most everything that Google releases requires an opt-in (especially if it has new privacy implications). The Google Chrome Blog details the necessary settings:

To start saving data and turn on an even more secure browsing experience, visit “Settings” > “Bandwidth management” > “Reduce data usage.” Then simply turn the toggle to “On.” From this menu, you’ll also be able to track how much bandwidth you save each month as you browse on Chrome.

2. Pocket (Android/iOS)

Pocket App Logo Data Plan Savings Hack
Save Your Favorite Articles Offline For Easy Browsing And No Data Plan Usage

Oftentimes, when flying, in no-service areas, and/or nearing the end of my data plan budget for the month, I need an app that gives me access to news offline and on the go. That’s why Pocket is perfect! It downloads everything to the app, in the background (whether open or not). When I save an article on my computer, it automatically syncs the article to my phone for access anywhere, anytime.

The app works smoothly on every platform I’ve ever used and the staff is inspirational in their design. It could not be simpler to use and setup. Once you start syncing articles for access offline (pictures and all), you may find that your data use is escalating. That’s why you need to go into the app and enable a simple setting.

Start by going to “Offline Downloading” within “Settings.” Under this main section, slide the switch on to “Download Only on Wi-Fi.” Now, you can have all the news articles and financial info downloaded right to your phone – no more browsing necessary – and without the massive bandwidth usage.

3. Mailbox (iOS)

The founder of Mailbox app wanted to design a program that finally treated email in a new, functional way. Instead of slowly going through the massive piles of email, the creative team at Mailbox devised a way to organize the clutter for easy reading and task management.

Data Plan Mailbox App Savings
Mailbox App Putting Mail In Its Place And Saving You Data

Unlike most mail apps for mobile platforms, Mailbox strips all messages of rich text, images, and videos. By limiting the type of information to pass through the email system, your phone can receive messages that are comparable to the size of a text message (very small). Moreover, you can expect email to be delivered faster and with less latency. A pretty wicked combo!

What smartphone apps do you use to save data? Do you have any programs that hog much of your plan? Any other apps that you’d recommend?

Filed Under: Save Money Tagged With: app, apps, cellular, chrome, Contract, data, Gmail, Google, ios, mailbox, os, plan, play, pocket, smartphone, wireless

Why Google Wallet Needed To Release An Offline Debit Card

By Frugaling 4 Comments

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Google Wallet Card Balance Phone DebitLast week, I wrote an article bringing attention to the Google Wallet Card. This decision to print and give away a free debit card will usher in a new epoch of payments, banking, and budgeting. But when I finished writing the story, I realized there was a missing piece to all of the current press: Why did Google release an offline debit card in the first place?

Google Wallet was announced in 2011, and released as a smartphone app in September of that year. After over two years of development and company expenditures, critics suggest the experiment has failed:

…Google Wallet is a dud, at least to date, despite the company’s expenditure of an estimated $300 million in real money on its development… (USAToday)

Earlier this year, rumors began swirling that Google would be releasing a physical debit card to be paired with its Wallet service. Unfortunately, ahead of the company’s major press event, Google I/O, they scrapped the release and went back to the drawing board. Despite being considered a “dud” by some analysts, Google Wallet was already beginning to catch on – largely credited to the payment processing of Android apps and Google Play purchases.

Google is already sucking in that purchase data on many fronts — between Google Play payments, Google Checkout on the Web and also advertiser payments — in addition to the dedicated Google Wallet project. (AllThingsD)

Google Wallet Debit Card Swipe Image

On November 20, 2013, Google decided to follow through with the release of a physical debit card (issued with a Mastercard logo). Commentators and speculators suggest that the Google Wallet platform needed to increase users’ payment options. As much of what we buy in stores takes a physical swipe of a card, these stories suggest that the debit card would help pay for physical goods. But tech writers have questioned Google’s decision to enter the physical world:

It’s surprising because Google exists to get people off physical media and into virtual digital everything. They’ve also been a leading force in mobile payments with both Android and Google Wallet. (ComputerWorld)

The persistence of plastic suggests we’re a lot farther than we think from a world where true mobile payments are the norm. (Washington Post)

Thus far, the primary hypothesis seems to center on the idea that Google has admitted to the failure of its online-only payment platform – it’s kowtowing to the payment processing gods and issuing a physical card. These articles and writers don’t give enough credit to this decision or Google’s business acumen. The company is in the payment processing business for the long haul. Much like their advertising platform, which is considered to be the best ad system in the world, payments give vital details about user habits, transactions, and life outside Google. There’s money in that big data and Google is about to start drilling.

With the release of a debit card, Google Wallet is not admitting defeat nor is it suggesting we have a “lot” further to go before mobile payments become the norm. Rather, the Wallet platform is injecting itself into the current psychological modality for purchasing goods for evolution down the road. Users of the product will begin to natively track and spend via the online platform. This will likely cause people to start defaulting to this payment system.

Meanwhile, Google has laid a diverse framework and future for the payment system by interlinking it with Gmail, Google+, and a growing number of online services. Now, you can send money via Gmail, swipe for gas, and receive a payment – instantly and securely. But Google needed a card to segue purchasers to this mobile platform. Eventually, when people are convinced that the online, digital model works better than physical, debit card swipes, Google will win.

Every recent service Google has announced has required a segue from the search model. From Drive to Plus to Wallet, these services have been built-in to a diverse set of products. Drive is now caked into Gmail attachments. Plus is a necessity for YouTube comments. And now, Wallet… Necessary for Google Play purchases and about to grow into another multi-billion dollar industry for Google. Making a physical card was just another segue for Google to make users’ switch to a mobile payment model more seamless.

An era of mobile payments is nearly here. In the next 4 to 5 years, we’ll likely see a massive switch to digital payments. Just like the banking industry today, there will be multiple players and competition. The major difference will be that tech behemoths will compete directly with big banks. What’s clear is that the players that can create a natural blend of on and offline payments now will win later.

Filed Under: Best Credit Cards, Save Money Tagged With: Banking, Bitcoin, Card, Debit, Gmail, Google, Google Wallet, money, NFC, PayPal, Plus, Youtube

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