It's not the cost of the hardware that's keeping you from upgrading to a smartphone — it's the cost of the data plan, right? Or maybe you already have a smart phone and the monthly charge is killing you?

You're not alone. Smartphones can add $40-$60 a month per line to your phone bill, bringing it up to a national average of $107 a month! Good news: there are ways to cut your data bill in half.

The heat of the summer is upon us. And I'm sure I'm not the only one asking: What's the fastest way to chill a drink?

Microsoft Excel is an incredibly powerful spreadsheet program that millions of people use.  It's got so many tools in it that even experts don't always know all the shortcuts. But just knowing a few tricks can vastly speed up — and simplify — your workflow.

Note: Different versions of Excel may have different commands, so a couple of these may not work in your version. That said, here are my top Excel shortcuts that can make you a star amongst the spreadsheet crowd: