In this issue

Jonathan Tobin: Defending the Right to a Jewish State

Heather Hale: Compliment your kids without giving them big heads

Megan Shauri: 10 ways you are ruining your own happiness

Carolyn Bigda: 8 Best Dividend Stocks for 2015

Kiplinger's Personal Finance editors: 7 Things You Didn't Know About Paying Off Student Loans

Samantha Olson: The Crucial Mistake 55% Of Parents Are Making At Their Baby's Bedtime

Densie Well, Ph.D., R.D. Open your eyes to yellow vegetables

The Kosher Gourmet by Megan Gordon With its colorful cache of purples and oranges and reds, COLLARD GREEN SLAW is a marvelous mood booster --- not to mention just downright delish
April 18, 2014

Rabbi Yonason Goldson: Clarifying one of the greatest philosophical conundrums in theology

Caroline B. Glick: The disappearance of US will

Megan Wallgren: 10 things I've learned from my teenagers

Lizette Borreli: Green Tea Boosts Brain Power, May Help Treat Dementia

John Ericson: Trying hard to be 'positive' but never succeeding? Blame Your Brain

The Kosher Gourmet by Julie Rothman Almondy, flourless torta del re (Italian king's cake), has royal roots, is simple to make, . . . but devour it because it's simply delicious

April 14, 2014

Rabbi Dr Naftali Brawer: Passover frees us from the tyranny of time

Greg Crosby: Passing Over Religion

Eric Schulzke: First degree: How America really recovered from a murder epidemic

Georgia Lee: When love is not enough: Teaching your kids about the realities of adult relationships

Cameron Huddleston: Freebies for Your Lawn and Garden

Gordon Pape: How you can tell if your financial adviser is setting you up for potential ruin

Dana Dovey: Up to 500,000 people die each year from hepatitis C-related liver disease. New Treatment Has Over 90% Success Rate

Justin Caba: Eating Watermelon Can Help Control High Blood Pressure

The Kosher Gourmet by Joshua E. London and Lou Marmon Don't dare pass over these Pesach picks for Manischewitz!

April 11, 2014

Rabbi Hillel Goldberg: Silence is much more than golden

Caroline B. Glick: Forgetting freedom at Passover

Susan Swann: How to value a child for who he is, not just what he does

Cameron Huddleston: 7 Financial Tasks You Should Tackle Right Now

Sandra Block and Lisa Gerstner: How to Profit From Your Passion

Susan Scutti: A Simple Blood Test Might Soon Diagnose Cancer

Chris Weller: Have A Slow Metabolism? Let Science Speed It Up For You

The Kosher Gourmet by Diane Rossen Worthington Whitefish Terrine: A French take on gefilte fish

April 9, 2014

Jonathan Tobin: Why Did Kerry Lie About Israeli Blame?

Samuel G. Freedman: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Jessica Ivins: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Kim Giles: Asking for help is not weakness

Kathy Kristof and Barbara Hoch Marcus: 7 Great Growth Israeli Stocks

Matthew Mientka: How Beans, Peas, And Chickpeas Cleanse Bad Cholesterol and Lowers Risk of Heart Disease

Sabrina Bachai: 5 At-Home Treatments For Headaches

The Kosher Gourmet by Daniel Neman Have yourself a matzo ball: The secrets bubby never told you and recipes she could have never imagined

April 8, 2014

Lori Nawyn: At Your Wit's End and Back: Finding Peace

Susan B. Garland and Rachel L. Sheedy: Strategies Married Couples Can Use to Boost Benefits

David Muhlbaum: Smart Tax Deductions Non-Itemizers Can Claim

Jill Weisenberger, M.S., R.D.N., C.D.E : Before You Lose Your Mental Edge

Dana Dovey: Coffee Drinkers Rejoice! Your Cup Of Joe Can Prevent Death From Liver Disease

Chris Weller: Electric 'Thinking Cap' Puts Your Brain Power Into High Gear

The Kosher Gourmet by Marlene Parrish A gift of hazelnuts keeps giving --- for a variety of nutty recipes: Entree, side, soup, dessert

April 4, 2014

Rabbi David Gutterman: The Word for Nothing Means Everything

Charles Krauthammer: Kerry's folly, Chapter 3

Amy Peterson: A life of love: How to build lasting relationships with your children

John Ericson: Older Women: Save Your Heart, Prevent Stroke Don't Drink Diet

John Ericson: Why 50 million Americans will still have spring allergies after taking meds

Cameron Huddleston: Best and Worst Buys of April 2014

Stacy Rapacon: Great Mutual Funds for Young Investors

Sarah Boesveld: Teacher keeps promise to mail thousands of former students letters written by their past selves

The Kosher Gourmet by Sharon Thompson Anyone can make a salad, you say. But can they make a great salad? (SECRETS, TESTED TECHNIQUES + 4 RECIPES, INCLUDING DRESSINGS)

April 2, 2014

Paul Greenberg: Death and joy in the spring

Dan Barry: Should South Carolina Jews be forced to maintain this chimney built by Germans serving the Nazis?

Mayra Bitsko: Save me! An alien took over my child's personality

Frank Clayton: Get happy: 20 scientifically proven happiness activities

Susan Scutti: It's Genetic! Obesity and the 'Carb Breakdown' Gene

Lecia Bushak: Why Hand Sanitizer May Actually Harm Your Health

Stacy Rapacon: Great Funds You Can Own for $500 or Less

Cameron Huddleston: 7 Ways to Save on Home Decor

The Kosher Gourmet by Steve Petusevsky Exploring ingredients as edible-stuffed containers (TWO RECIPES + TIPS & TECHINQUES)

Jewish World Review

Should You Switch Cell-Phone Carriers?

By Cameron Huddleston

What you need to know before making your decision

JewishWorldReview.com | It seems that cell-phone service providers are particularly eager to get your business given the abundance of incentives they're currently offering to consumers who switch carriers. Consider some of the tempting offers from major wireless players AT&T, Sprint, T-Mobile and Verizon.

AT&T is offering a $100 bill credit for every wireless line you add with the company by March 31. And it's lowered its monthly rates on no-contract smart phone plans -- likely to lure customers who already own phones and are coming out of two-year contracts with other carrier (and to discourage its current customers from defecting).

Sprint is giving away a Samsung Galaxy Tab 3 to customers who sign up for its new "Framily" plan, a mash-up of the words friends and family that lowers your monthly rate as you add more lines. It also is offering $100 savings on select phones if you switch to Sprint.

T-Mobile will pay your early termination fees if you leave another carrier before your contract is up and switch to T-Mobile. And Verizon is offering a gift card worth at least $100, but up to $300, when you trade in a smart phone and activate a new one.

So with all these special offers wireless carriers are dangling, should you switch and snatch up these deals while you can? To help you decide, here's more in-depth examination of these offers and a rundown of the rates these carriers typically charge. The carrier and plan that's best for you will depend on the number of lines you have, the amount of data you want and the coverage area you need.

AT&T. To take advantage of the $100 bill credit, you don't have to sign a two-year contract if you add a line with the company for a phone you already own. However, you must maintain service with AT&T for 45 days to receive the credit, which will post to your bill within three billing cycles. If you switch to AT&T from T-Mobile, you'll get a $200 credit, according to an AT&T customer service representative.

AT&T also lowered its monthly service fee February 2 for smart phone customers without a contract. If you sign up for a two-year contract (to take advantage of a free phone offer), you'll pay $40 a month for unlimited talk and text service and an additional $20 to $275 depending on the amount of data you want for Internet access, e-mail, video and music streaming. Without a contract, you'll pay $25 a month for wireless service if you get 8 GB of data or less, or just $15 a month if you choose to have 10 GB of data or more. So the monthly rate (not including taxes) for no-contract wireless service with a 10 GB data plan would be $115, versus $140 for the same plan for a smart phone with a two-year agreement. For each no-contract line you add, it's an additional $15 or $25 a month, depending on your data plan.


Every weekday JewishWorldReview.com publishes what many in the media and Washington consider "must-reading". HUNDREDS of columnists and cartoonists regularly appear. Sign up for the daily update. It's free. Just click here.

AT&T provides 4G coverage in all 50 states, according to its service map. However, its coverage is limited in a few of the Midwestern and Western states.

Sprint. To receive the free Galaxy Tab 3, you have to sign up by February 27 for the "Framily" plan in a Sprint store and commit to a two-year service agreement. To get the lowest rate under the plan -- $25 for unlimited talk, text and 1 GB of data -- you have to have seven to ten lines. You're not limited to family members, though, to take advantage of the plan. You can invite friends to join, and they'll get separate bills. To get more data, you'll pay $10 per line per month for 3GB or $20 per line per month for unlimited data.

The monthly service rate is significantly higher if you have fewer lines. For example, if you had just two lines and unlimited data, you would pay $100 ($50 per line) plus $40 for data ($20 per line) -- bringing the monthly total to $140, which is the same as you would pay for two no-contract lines and 10GB of data with AT&T.

Sprint's 4G coverage isn't nearly as widespread as AT&T's or Verizon's -- especially in the West.

T-Mobile. If you have a contract with a wireless carrier, you could pay as much as $350 to break it. To get you to switch to its lower-cost plans, T-Mobile will reimburse your termination fees -- up to $350 per line. You must send your final bill from your former carrier showing the fee, then you will receive a prepaid MasterCard within eight weeks from T-Mobile covering the fee amount. And if you trade in your old smart phone for a new one, T-Mobile will give you a credit of up to $300 to apply to a new phone.

Individuals pay $50 a month for unlimited talk, text and 500 MB of data; $60 for 2.5 GB of data; or $70 for unlimited data. You'll pay an extra $30 for a second line, and $10 for each additional line. So for two lines and unlimited data, you'll pay $100 a month. There's no contract with the T-Mobile Simple Choice Plan, so there are no early termination fees. T-Mobile also doesn't charge fees for using more than your allocated data. Instead, it slows your data speed from 4G to 2G once you've used your monthly data allotment.

With 4G coverage in 41 states and just a few cities in some of those states, T-Mobile's coverage area is more limited than AT&T's and Verizon's.

Verizon. To qualify for the $100 Verizon gift card, you must trade in an old smart phone for a new 4G LTE smart phone and commit to a two-year contract. Depending on the value of the phone you trade in, you may qualify for a gift card worth up to $300, which can be used to buy Verizon wireless products or to pay your bill. Verizon also is waiving its $35 activation fee for a limited time.

Verizon did have a limited-time offer of unlimited talk, text and 250 MB of data for $45 a month. But it just introduced a new "More Everything" plan, which claims that you get two times the data for the same low price. With the new plan, unlimited talk, text and 250 MB of data for a smart phone is now $55 a month. With each line you add, it's an additional $40 a month for talk and text, plus $15 to $375 for data. So two lines with 10GB of data would cost $180 a month -- $40 more than a similar AT&T or Sprint plan and $80 more than a similar T-Mobile plan.

Verizon's 4G network covers all 50 states. It claims to have the largest 4G network, with coverage for 97% of Americans.

Sign up for the daily JWR update. It's free. Just click here.

Interested in a private Judaic studies instructor — for free? Let us know by clicking here.

Comment by clicking here.

Cameron Huddleston is an online editor at Kiplinger's Personal Finance magazine.

All contents copyright 2013 The Kiplinger Washington Editors, Inc. Distributed by Tribune Content Agency, LLC