The IRS Deductions Blog

Archive for July, 2009

Released in June 2009, the Nokia N97 has a sleek and smooth look and features bound to rock any pocket. It’s 5 megapixel camera trumps most phones out on the market, and the N97′s basic features are up to the industry standard. There’s not only the basic GPS, browser, and messaging, but also video and photo editing, document viewing, voice control, music and video players, and a radio function, something rare in a phone. Surprisingly, Nokia released the N97 without a carrier partner, unlike the Apple iPhone and AT&T partnership. As such, the customers will be paying $699 for the phone and extra for a carrier plan.

Unlocking the Nokia N97 simply takes out the restrictions programmed into the phone by the carrier. If you buy the phone through AT&T, they will first lock up your phone and only allow it to be used on the AT&T network. However, if you want to get pass this, you will want to get an unlocked Nokia N97. Mostly, you’ll be saving a TON of cash if you unlock it, because it’s known that many networks tend to bind customers to expensive plans. The unlocking process takes about three minutes. You can learn how to unlock the Nokia N97 by a simple search online.

The Nokia N97 is seen to be a direct rival to the iPhone, and it’s quite easy to see how that happens. The N97 camera already beats out the Apple counterpart; 5 megapixels to the N97, 3 megapixels to the iPhone 3GS. While Apple struggled to deal with the video and “upgraded” camera part during its 3G stages, Nokia released the N97 with every single camera feature that the 3GS has, autofocus and all. Something very nice to see is the battery life that the N97 has. You can’t go wrong with 400 plus hours of standby, up to 9.5 hours of talk time, and 40 hours of music playback. The 3GS falls 100 hours short in standby, and 10 hours short in music.

Available only in a 32 gig option (might as well take it), the Nokia N97 costs around $700, and that’s without any service plan. Pricey, but this phone is seriously one of the closest to beating the iPhone in its own game, and if you can unlock it, you will save a few bucks on the carrier plan. The features, like the 3.5 inch touchscreen display, combined are simply the aces of Nokia’s Nseries. Get the N97 if you want a clean phone with features that rival the best of the best; in the end, the prices match up pretty well and it comes down to preference at the final tally.

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How To Calculate Student Loan Payments Under New Obama Plan

This income-based repayment calculator can estimate student loan payments.

Items on Amazon Right Now for Deductible Gift Recipients List:

Neither snow nor ice stops Madison volunteers from rounds

MADISON – Despite icy conditions that closed many major roadways, Madison Eagle Christmas Fund volunteers were delighted to make their special deliveries to this year’s group of recipients on Sunday, Dec. 13, still a comfortable distance away from the real Santa’s gift run.

Question: will your Collision Deductible Waiver come into play if you are hit by an Underinsured motorist?

Answer: How under-insured motorist coverage works varies from state to state. So your best bet is to contact your agent or adjuster to find out the specifics on your area.

In general — once the claim has been confirmed to be an under-insured motorist claim, the under-insured motorist deductible applies. Often part of the claim is coded to your collision coverage with the difference between your collision and under-insured motorist deductible being coded to the under-insured motorist coverage. This coding is not something you are involved with — it’s internal. What you wil see is the under-insured motorist deductible being applied.

If the claim is originally handled as collision and later determined to be under-insured motorist — the insurance company will refund you the difference in the deductible.

Again, UIM can be a pretty tricky animal — your best bet is to follow up with your agent or adjuster.

Items on Amazon Right Now for Collision Waiver Deductible:

What to know before renting a car

A little preparation will help you hold the line on nuisance charges and fees — and let you know which add-ons you’d be smart to purchase. Here are 8 quick tips.