• Should I switch from AT&T to Verizon?
• I have an older AT&T iPhone, should I just upgrade?
• Is Verizon or AT&T more expensive over the life of the contract?

To answer these questions, I’ve gathered the following data:

Major cost differences between providers

New Subscriber Costs

If you are not an existing AT&T or Verizon customer, or you are signing up with either network for the first time, or upgrading after closing a two year contract, your costs are similar and easy to calculate. You buy the phone, and you pay the activation fee, which differs by a dollar. However, with a more expensive voice plan, the future liability of the Verizon plan is slightly higher:

Over two years, you pay $114 more if you open a Verizon contract.

Should I upgrade or switch?

Assume that the CDMA Verizon iPhone just doesn’t do it for you–you are going to stick with AT&T. When is the best time to upgrade? What if you’re stuck in a contract already? This chart will show the cost of switching from AT&T to Verizon compared with the cost of upgrading:

It’s very simple. If you’re an existing subscriber, you can save up to $80 by switching to Verizon between your 13th and 21st months of service. However, once you become eligible for an AT&T upgrade, it becomes $100 cheaper to stick with AT&T.

This post has been updated to correct an error in plan pricing: Verizon offers a $39.99 no-text plan with 450 minutes to perfectly match AT&T’s offering.

For example, I was dinged for not having an auto loan or a mortgage–OK, so having less debt is bad? The explanation they give you is interesting:

You don’t appear to have a healthy mix of accounts on your credit report.

You could be doing better in this category if you had a more diverse list of accounts. And, if you have finance company accounts on your credit report that could be hurting you as well. Finance companies are generally considered to be higher risk lenders who target higher risk customers. As such, consumers who have finance company accounts on their credit reports could suffer lower scores.

If you ever have a mortgage that shows up on your credit report then you will do better in this category. The reason is that studies show that consumers who have mortgages are more stable than consumers who do not. And, credit scores will reward you because of that stability.

They had some interesting statistics too, such as how long you’ve been “in the system” in terms of credit age:

7 years of credit history
Youngest account is 7 months
Oldest account is 85 months
Average age is 44 months

Neat stuff. Again, as it’s totally free, I really recommend checking out Credit.com. Leave some comments on this post and let me know what you think. Many credit reporting online companies are scams looking to steal your information and resell it–this one doesn’t seem to be.

Microsoft Windows 7 Home Premium Upgrade

Microsoft Windows 7 Professional Upgrade

As fas as I can tell, the only difference between Home Premium and Professional is that you don’t get their virtualization for XP software support (which is probably like VMWare Fusion on the Mac), no automatic backup features, and it’s missing some enterprise Active Directory thing called “Domain Join” that I doubt I’d ever use. So I’m not paying any $ for that.

One advantage I’ll get out of this is the ability to (a) run DX10 for the latest games, and (b) 64bit support, so finally I can run all 4 GB of RAM properly without PAE and any other proprietary crap. Right now my 4GB only shows up as about 3.4 anyway. Also, SSD support is much better in Windows 7, from what I’ve read. So my Intel X25-M will continue to serve me well!

Update: If you missed this, but you are a student or know a student, you can get a super cheap deal ($10 cheaper!) by visiting the Windows 7 Student Discount Page. It’s $30 for Windows 7 Pro, and another $13 to get a physical DVD.

A proposed Settlement is pending in a class action entitled Milliron v. T-Mobile USA, Inc., No. 08-04149(JLL) (ES) in the U.S. District Court for the District of New Jersey. The lawsuit alleges that T-Mobile violated state and federal laws by charging customers a flat-rate early termination fee (“ETF”) in its wireless telephone service contracts. You are part of the lawsuit if you are a current or former T-Mobile wireless subscriber who paid or were charged a flat-rate ETF from July 23, 1999 to February 19, 2009, or if your contract for service included a flat-rate ETF from July 23, 1999 to February 19, 2009.

If you can prove you paid a flat-rate ETF, or T-Mobile’s records indicate you paid a flat-rate ETF, you may submit a Claim Form and receive up to $125.

You can go visit ETF-Settlement to read the details, and/or apply for a claim. I already did, as I received a postcard in the mail. However, if you meet the class-action criteria (pretty much anyone screwed by a T-mobile early termination fee), you should also fill out the form.

• Delivery is inconsistent. Some days it comes, some days it doesn’t. I’d say a good 40% of the time it doesn’t come at all.
• Delivery is often late. If I get, there’s a 20% chance it’s when I’m coming home from work, not when I leave.
• Delivery “on hold” didn’t work. I put the subscription on hold for two weeks while I was in Shanghai, so what did I come home to? A huge stack of Wallstreet Journal magazines, and two emails notifying me of the hold period start and end effective dates. Clearly, not very effective.

If you want to read the WSJ (and it’s a great magazine to read), I strongly suggest you pick up the Wallstreet Journal Kindle Edition and get it wirelessly without any of the physical delivery issues.