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What would you do if your phone never rang? Top 10 Finalist for 2009 YouTube Project: Direct. Please vote on: www.youtube.com/projectdirect

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New T-Mobile phones coming out in April 2009?
I will (finally) be eligible for a phone upgrade in April.
I'm really into high tech phones, so want to make sure I get a really nice phone this time around. I'm considering the G1, but are there any new phones coming out in April that I should wait for?

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NBA Slam Dunk Contest 2009 featuring Dwight Howard, Nate Robinson, JR Smith and Rudy Fernandez.

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Does anyone know what new phones Virgin Mobile is making for the rest of 2009 to 2010?
I know they just came out with the "X-tc" and the "Mantra"

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One of the big operating systems in the world of smartphones has always been Symbian, and this year, 3 phones are aiming to take it to new heights. Let's take a look at the wonders on display...

Nokia 5800 - Nokia's first mainstream touchscreen

A couple of new phones from Nokia have brought Symbian into the world of touch; they're the first two mainstream Nokias that have touchscreens. First, we have the Nokia 5800. The 5800 doesn't have a keyboard at all, so the touchscreen and interface are vital. It's an incredible interface too, with full touch controls, and a magical user experience, letting you the most from your phone.

However, the Nokia 5800 ISN'T a top-end, uber-smartphone device. It was always meant to be a mid-tier handset, and although the Nokia 5800 is stunning, it's left a nice gap at the top of their product range for their OTHER new touch phone.

Nokia N97 - adding QWERTY into the mix

And so, say hello to the Nokia N97. It takes the Symbian touch interface, and adds a full QWERTY keyboard, a bigger display, and a huge 32Gb of storage space. There aren't many phones on the market that can beat it for sheer power, and, frankly, the word 'powerhouse' is the best way to describe for the Nokia N97.

In addition to the obvious extra benefits you get from a QWERTY keyboard, it also includes a bigger camera than the 5800, coming in at 5 megapixels. Without a doubt, the Nokia N97 is the most advanced Symbian phone in production at the moment. It won't stay that way, though, because another upcoming phone is definitely going to steal its thunder...

Sony Ericsson Idou - more powerful than the average country...

As things stand at the moment, the Nokia N97 is the most advanced Symbian phone you'll be able to lay your hands on, beating out its lower-end cousin, the Nokia 5800. However, it WILL be overtaken, because at the Mobile World Congress 2009, a new Sony Ericsson device was announced. And it's a monster! Called the Sony Ericsson Idou, it has the same Symbian software, but with a custom interface on top, that's more incredible than anything on Earth. Sleek animations move you between screens, and the music player, built with Walkman technology, is second to none. However, it has one, huge, not-so-secret weapon, because the Idou from Sony Ericsson is the first phone to feature a TWELVE megapixel camera. Because of that, and because of the superb interface, there's simply nothing out there that can touch (no pun intended) the Idou...

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Do you actually talk on the phone or use it for text messaging? 2ND YOUTUBE ACCOUNT: www.youtube.com 3RD YOUTUBE ACCOUNT (DANCING VIDEOS): www.youtube.com FACEBOOK: www.facebook.com TWITTER: twitter.com BLOGTV: www.blogtv.com E-MAIL & MSN: shimmycocopuffsss@gmail.com MAIL POST OFFICE ADDRESS: Daniel Shim 416 St. Clair St. Box # 20056 Chatham, Ont N7L 5K6 Music: Kevin MacLeod

Help answer the question about new 2009 phones

What are the new t-mobile phones for the year 2009?
i want to buy a new phone, but i don't want to be bummed when better phones come out. thanks (:

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Expert on mobile phones, having worked in the industry for over 7 years.

Reverse Mortgage Purchase Product for Seniors 62 and Over

Many are familiar with a Reverse Mortgage, or the Concept. These have gained increased interest in today's housing market. Traditional Reverse Mortgage Loans are used to access equity in the existing home, on the Primary Residence, while allowing the homeowner to retain title, equity, and possession of the home. They have received increased interest now, because of the general economy. Also, many who would like to move but have been unable to sell their home, are using them to tap equity proceeds that can be used to purchase another (2nd home), sell the primary, pay off the Reverse, receive the remaining equity, (the difference between the sales proceeds and the reverse, plus accrued interest). Then, you may decide to take out a reverse on your new primary residence, which can provide additional funds for Investment, or whatever purpose you want.

Here is an example; Lets say a Couple, aged 62, own a Home in Ohio, with a Tax Value of $200,000, a true market appraised value of $225,000. They would like to purchase a home in the Carolinas (somewhere between Wilmington and Myrtle Beach for retirement.) They have had their home listed with no offers. They become discouraged. In the meantime, the value of their Investments (401K and others have declined), further making it more difficult for them to face retirement. Here's how a reverse Mortgage can help; This couple could take out a reverse Mortgage for 100K. They do have enough investments left to purchase a home, along with the Reverse Proceeds, to Purchase a Home for 250K, thereby enabling the move.

Once the home in Ohio Sells, say in 1 year, for 200K, they would realize a gain of 97K, which is the remaining 100K in equity, minus interest. So of the 150K they added to their purchase price, they have now recouped 97K of that. In addition, they can now take RM for approximately 125K on the home they purchased. So in this example, let's see how they came out:

Home in Ohio RM for +100K Home in Carolina Purchased for -250 K (used the 100K RM plus 150K from 401K) Home in OH sold received Proceeds of +97 K RM on Home in Carolina for +125K

So in this example, they moved, got a new, more expensive home, and are still to the positive after the 401K withdrawal +$72,000.

Please note this is not an actual transaction, and no guarantees are implied, but this is a very typical scenario we have in today's market.

How the Reverse Mortgage Purchase Product Works

A Reverse Mortgage Purchase product has been highly anticipated by Builders, Developers, Seniors, and real Estate agents. A Reverse Mortgage for Purchase allows those 62 and over To purchase a new principal residence using loan proceeds from the home. Here is an example: Our couple above, has already sold their home, and are ready to relocate to the Carolinas. They are typical retirees, over 62 and cash buyers. They do not want a mortgage payment. After finding their ideal location, they tell the Realtor they would like to Purchase a home, or townhome, and usually specify a price range, in this example, we will use 200K. In this scenario, using a HECM for Purchase, that home could be purchased for approximately $125K in cash, 125K in a RM. The homeowner would get the title, with no additional payments. The HECM for Purchase has no pre-payment penalty, and can be paid off at anytime. The bank never takes the home. It always belongs to the purchaser and their heirs. If the Mortgage balance somehow became greater than the Home Value, the original borrower would continue to live in the home. All Reverse Mortgage Loans are non-recourse loans, meaning that there could never be a deficiency judgement on the purchaser or the heirs. FHA at that point makes up the difference. This allows retirees to purchase more home than they thought they could afford, or use less cash for their purchase. It is a great tool for anyone considering buying a home, that is older than 62. I can see many in their late 50's and early 60's delaying a purchase until they can qualify. The program was passed by Congress on July 30, 2008, (H.R. 3221) and signed by President Bush. It is designed to allow Seniors to move closer to family members or downsize their homes as their needs change, in a single transaction, eliminating the need for a second closing. As with all Reverse Mortgages, Counseling is required by an approved HUD Counselor. These can generally be done either in person, or over the phone. We do not have all the final details about the program, we are still waiting on a letter from HUD that is due most any day that will tell us exactly what the parameters are. The last Mortgagee letter, issued in October, (#2008-33), outlines many of the features, and how this will be implemented. In a nutshell, HUD put as many safeguards in place as they needed to avoid fraud and abuses while allowing for as many different property types and transactions as they felt under the Guidelines. The down payment has to come from cash sources, and cannot be borrowed. This program will allow those qualified options they never had previously. Imagine being able to buy that new home without qualifying, (no income or credit score is required), never having to make another mortgage payment, and being able to hang on to a portion of the money that you thought you might have to use. Sounds like a great program for the future of housing!

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i downloaded this video from smart phone show

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Does anyone know is there is going to be any new Verizon Wireless phones for 2009?
I'm mostly interested in phones with full keyboards similar to the enV and the Voyager. Please & Thanks.

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Wes Hudson is A Mortgage Specialist in North Carolina. He can be reached at 910-262-4083. His email address SeniorReverseMortgages@yahoo.com. His website is http://www.Rakoci.com

Article Source: ArticlesBase.com - New 2009 Reverse Mortgage Program For Those 62 and Over

Looking for some new <a rel="nofollow" target="_blank" href="http://www.buyandsellplus.com/result.php/serviceId_1/0+Classifieds/cat_4/0 +Cellphones+&+Gadgets">cellular phones for sale</a> today? Well here is some of the most in demand and upcoming mobile phones today that are sure to propel the hand-held technology forward.
Nokia N97
The Nokia N97 is an upcoming <a rel="nofollow" target="_blank" href="http://www.buyandsellplus.com/result.php/serviceId_1/0+Classifieds/cat_4/0 +Cellphones+&+Gadgets">cellular phones for sale</a> by Nokia considered as "mobile computer". It was announced on December 2, 2008. It will be Nokia's second touch screen phone (The first one being Nokia 5800 XpressMusic) based on the Nokia S60 platform.
Specification includes:

• Operating System - S60 5th Edition, Symbian OS v9.4
• CPU - SoC Freescale MXC300-30 / ARM 1136JF-S @ 369MHz
• Memory - 32GB internal, 16GB Micro SDHC included (32GB Max MicroSDHC available in 2009)
• 3G - HSDPA (3.5G), 3.6 Mbit/s
• Main screen - TFT Touchscreen, 16,777,216 colours, 360x640 pixels, 3.5 inches
• Camera - Front 0.3 Megapixel, 2x digital zoom & Rear 5 MP, 2584x1938 pixels
• Video Recording - MPEG-4 640x480 @ 30fps, nHD 16:9 video recording, MPEG-4 SP 640x352 at 30fps (dvd quality)
• Memory card slot - microSDHC, hotswap, 16 GB maximum
• Browser - WAP 2.0/xHTML, HTML, RSS feeds, Flash
• Music player - AAC, eAAC, eAAC+, MP3, WMA, wav, ogg
• Video player - H.264/AVC, MPEG-4, RealVideo 7,8,9/10, WMV 9 @ 30fps
• Other features - A-GPS support, Nokia Maps 3.0 Touch, digital compass, TV out, document viewer, Nokia Photo Browser

Note: Specifications listed here are only some of the important features found in Nokia N97.
iPhone
The iPhone is an internet-connected multimedia smartphone designed and marketed by Apple Inc. Apple announced the iPhone on January 9, 2007. It was named Time magazine's "Invention of the Year" in 2007. On July 11, 2008, the iPhone 3G was released. It supports faster 3G data speeds and Assisted GPS. On March 17, 2009, Apple announced the iPhone firmware version 3.0, due to be released in mid 2009.

Common features of both versions:

• Screen size - 3.5 in (89 mm)
• Screen resolution - 480320 pixels at 163 ppi, with 3:2 aspect ratio
• Input devices - Multi-touch screen interface plus a "Home" button and "Sleep/Wake" located on the top of the iPhone.
• Battery - Built-in rechargeable, non-removable battery
• Camera - 2 megapixel camera
• Memory - 128 MB DRAM
• Storage: 8 GB or 16 GB flash memory
• Operating System: iPhone OS
• Wi-Fi - Wi-Fi (802.11b/g)
• Bluetooth - Bluetooth 2.0 with EDR
• 20Hz to 20kHz frequency response (both internal and headset)
• Other features - Location finding by detection of cell towers and Wi-Fi networks, Samsung ARM1176JZ(F)-S v1.0, Quad band GSM / GPRS / EDGE: GSM 850 / 900 / 1800 / 1900

Additional features in 3G model

• Color - Black (8 GB or 16 GB) or white (16 GB)
• Size - 4.5 inches (115.5 mm)(h) 2.4 inches (62.1 mm)(w) 0.48 inch (12.3 mm)(d)
• Weight - 133 g (4.7 oz)
• Battery - Battery has up to 10 hours of 2G talk, 5 hours of 3G talk, 5 (3G) or 6 (Wi-Fi) hours of Internet use, 7 hours of video playback, and up to 24 hours of audio playback, lasting over 300 hours on standby.
• 3G - for broadband data speeds (Tri band UMTS / HSDPA: UMTS 850 / 1900 / 2100)
• GPS - Assisted GPS, with preference to location based on Wi-Fi or cell towers
• Other features - Digital SAR Rating: 1.38 W/kg, Headphone jack (non-recessed)

Samsung Blue Earth
If you're an eco-friendly person, then this phone is perfect for you. Samsung Blue Earth is one of the few upcoming <a rel="nofollow" target="_blank" href="http://www.buyandsellplus.com/result.php/serviceId_1/0+Classifieds/cat_4/0 +Cellphones+&+Gadgets">cellular phones for sale</a> that offers earth friendly features. Samsung Blue Earth is a pebble-shaped, solar powered touch-screen phone manufactured free of harmful substances such as beryllium and phthalates, and is made out of recycled water bottles. Solar panels are located on the back which is design to harness the sun's energy and use it for its own. Other features include access controls for screen brightness and backlight duration. It even features an eco walk function that uses a built-in pedometer to show you by how much walking, instead of driving, reduces CO2 emissions.
Specification includes:

• Bluetooth
• Main display - Color TFT touchscreen
• Internal memory - none
• External memory - none
• Storage type - MicroSD
• Battery - none
• Camera - none
• Ringtones - Polyfone
• Internet browsing - none
• E-mail - none
• Radio - none
• Other features - Solar powered full-touch screen eco-friendly phone, Eco mode, Eco-walk built-in pedometer, Made of PCM (recycled plastic from bottles)

Note: These are only some of the features available today. Other features will be announced later this year.

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A detailed look at the LG 3G Watch Phone GD-910 @ CES 2009 from LG Canada's Frank Lee in Las Vegas. LG Unveils First Market-Ready 3G Touch Watch Phone: Full touchscreen, video calling and voice recognition in an elegant, wearable package Seoul, Korea, January 7, 2009 -- LG Electronics, a worldwide technology and design leader in mobile communications, will officially unveil the worlds first market-ready Touch Watch Phone (Model: LG-GD910) with 3G Video Telephony (VT) service and GSM Quadband ...

Help answer the question about new 2009 phones

Does anyone know about new Sprint phones coming out in 2009?
I want to get a new phone but I feel like if I buy a Blackberry or Instinct they will come out with a better phone in 2 or 3 months....

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Archie Lopez is a full time author for a variety of subject,including clothing, jewelry, computers, toys, and flowers.He also works principally within the marketing area.Currently,his place of residence is at Cebu City where he continues to work on his writing hobby.