We'll show you how to narrow down your options, find the right phone, carrier and plan for you so you end up with the right smartphone -- and maybe even some money left in your pocket. A visitor examines an HTC smartphone at the Vodafone stand at the CeBIT Technology Fair on March 3, 2010 in Hannover, Germany. This seems like a pretty silly statement, but the first step in picking the right smartphone is to make sure you actually need one. Smartphones are expensive, and so are the coverage plans they require. It's easy to use more data than your plan allows. Wind up with expensive overage charges. Even if you don't go over, you could end up paying for a data plan that you barely use. So, how do you know if you need a smartphone? Look at how you use your current cell phone. Maybe you only use your phone for talking. The occasional text message. The role vitamins play in lowering cholesterol is unclear, but they do seem to be less effective as supplements than in their natural form. See more drug pictures. A healthy, balanced diet is the only way to get all the vitamins that may lower cholesterol. Such a diet -- low in saturated fat, trans fat, and cholesterol -- plus a lifestyle that includes regular physical activity and losing excess weight, form the basis for fighting heart disease. Yet, the battle being waged against the high-cholesterol plaques in the walls of your blood vessels is a complex one. The form that vitamins and minerals take -- in food or in supplements -- seems to be an especially important factor in determining their effectiveness in promoting heart health. There's no question that your food choices can influence your risk of disease, but it's possible that a variety of other compounds in foods -- such as fiber or phytonutrients -- may act in harmony with vitamins or minerals to enhance their health effects.|Donations, like all things financial, are a very personal decision based on multiple factors, including religious and social beliefs and budgetary restraints. In 2010, Facebook founder Mark Zuckerberg gave $100 million to help revamp Newark, N.J., schools, and Lin Arson, whose husband founded Carnival Cruise Lines, pledged $39 million to the arts. You may not have the same deep pockets as these multimillionaires, but it is possible to financially support charities on a smaller salary. What's more, those who earn the least usually give the most. According to a McClatchy analysis of U.S. Some branches of Christianity, for example, encourage their followers to donate 10 percent of their earnings to the church or to charities. However you decide to divvy up your donations, funding your charitable giving requires forethought. A good rule of thumb is this: You should be able to pay your bills, cover expenses without the use of credit cards and put some savings away for retirement before you make a donation to charities. avion presidencial
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