From flagships to foldables, the year 2021 has been a colorful one in terms of smartphone launches. Top phone companies came out with much-awaited smartphones that had month-long waiting lists. While some models had features similar to their predecessors, others brought brand new components to the table. This article mentions top smartphones that were the highlight of this year and the ones that everyone is eagerly waiting for to be launched.
Google Pixel 6 Pro
The all-new Google Pixel 6 pro is a game changer as it surprised everyone with its unique design and software addition. With a revamped camera of up to 48MP, new and improved chipset, greater battery life, the 5G-enabled Google Pixel 6 Pro is affordably priced. This gives its competitors a serious run for money. You can buy the phone with your favorable mobile carrier using Google Pixel 6 5G cellphone plans.
Apple iPhone 13 Pro
Apple’s most awaited launch yet, the Apple iPhone 13 Pro has all the features of its predecessor, the iPhone 12 Pro and much more. Its new and improved camera offers 3x optical zoom and the phone has a stainless-steel body and ProMotion screen for a refresh rate of 120Hz for smoother scrolling. iPhone comes preloaded with the latest iOS 15. Though the model is bulky, both in terms of weight and price, it is still one of the top-selling smartphones across the country. You can look for iPhone plans similar to Google 6 5G cellphone plans if you are looking for offers on the latest iPhone 13.
Samsung Galaxy S21 Ultra
Giving top runners a tough competition, Samsung’s latest flagship, the Samsung Galaxy S21 Ultra features an impressive 6.8 AMOLED display and an ultra-smooth refresh rate of 120Hz. The phone comes with Samsung’s S-Pen stylus and the cameras with dual telephoto lenses offers up to 10X zoom capability. Additionally, the front camera has received a massive revamp. While the S20 had a 10MP front camera, the S21 front camera boasts a 40MP lens. Under the hood, it comes with the latest Snapdragon 888 chipset with a choice of 12 or 16GB RAM and up to 512GB storage. All these supported by a 5000 mAh battery.
OnePlus 10
While the year 2021 saw some of the best smartphones, we are excited for some new launches set to release next year. And OnePlus 10 is one such anticipated smartphone. The phone will be launched to compete with contemporaries and rivals like Samsung Galaxy S22 and Xiaomi 12. It is speculated that OnePlus 10 will have an all-new OS, which will provide a combination of smooth and burden-free experience of the OxygenOS and stability and rich features of the ColorOS. The storage capacity may also be increased up to 512GB, considering prior models fell short in comparison to their competitors with 128GB storage only.
Nokia 10
While people are anticipating launch of several flagship phones like the Samsung Galaxy S22 and the Google Pixel Fold, some are also eyeing on humbler smartphones like Nokia. The Nokia 10 is speculated to be launched in the first half of 2022. There are talks that the phone will have massive revamp in terms of its features like a penta-lens camera system, 108MP or 200MP main sensors, a refresh rate of more than 140Hz, top-end Snapdragon 888 chipset. All this juiced by a 6000mAh. Hopefully, these phone will be available at competitive price through offers similar to Google Pixel 6 5G cellphone plans.
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The Full Age Retirement Chart
Read moreThe full-age retirement chart
A comfortable, secure, and safe retirement is probably the dream of every working individual in the country. Today, with the generation living healthier, longer lives than ever before, it is safe to assume that we will live longer than our grandparents and parents and, consequently, have longer retirement periods as well. Achieving one’s dream of a comfortable, secure retirement becomes easier and simpler when one plans his/her finances.
Full retirement age
There is an important term called as the full retirement age’ in the US. It is the age at which an individual becomes entitled to receive unreduced or full retirement benefits from the employer and government. There are certain rules when it comes to full retirement age (FRA):
If someone has been born after 1937, i.e. if that individual’sFRA is more than 65, that person will still be able to receive his/her entire benefits at age 62. However, the stipulation is that the benefits reduction is more for individuals born after 1938.
For instance, if someone’s FRA is 67.
If one begins his/her retirement benefits at the age of 62 years, then their monthly benefit reduces by as much as 30%. For other ages, the reduction for starting benefits at that particular age is:
6.7% when begun at age 66
13.3% when begun at age 65
20%when begun at age 64, and
25% when begun at age 63
Also, if one begins receiving the benefits of their spouses at the age of 62 years, then the reduction in monthly benefit is a whopping 67.5% of your amount that the spouse would have gotten had their benefits begun at FRA. For the spouses, the reduction percentages for beginning benefits is:
50% when begun at age 67 (maximum benefit)
54.2% when begun at age 66
58.3% when begun at age 65
62.5% when begun at age 64, and
65% when begun at age 63
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The earliest one can begin receiving benefits is at the age of 62 only.
Also, if one was born on the 1st of January, then the year to be considered is the previous year. If one were born on the 1st of any month, then then the previous month age is considered.
Also, if one delays retirement benefits and wait until after the FRA, then one may even be entitled for credits for delayed retirement. These will increase benefits per month. Also, one should sign up for Medicare at 65 years of age.
Tags: Retirement planningfull age retirement chartFull Social Security Benefits Receipt Ages
Year of Birth
Full Retirement Age
1960 and after
67 years
1959
66 years, 10 months
1958
66 years, 8 months
1957
66 years, 6 months
1956
66 years, 4 months
1955
66 years, 2 months
1943–1954
66 years
1942
65 years, 10 months
1941
65 years, 8 months
1940
65 years, 6 months
1939
65 years, 4 months
1938
65 years, 2 months
1937 or before
65 years
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3 best smartphone offers under $500
Read moreEvery year manufacturers exceed consumer expectations by releasing state-of-the-art smartphone models, creating a buzz among gadget enthusiasts. However, owning a high-end smartphone packed with extra advanced features is not every consumer’s desire. In fact, most consumers are looking for a functional model that lasts long and falls under budget. Fortunately, brands identify the no-fuss, budget-conscious consumer viewpoint, which is why you can easily find a decent selection of models under $500, that fits your needs, budget and comes with bonus add-ons as well. Although, scoring the best smartphone offers within this budget can be a little tough as they are so many options priced competitively. To help you out, we have listed some best smartphone offers under $500 for the year 2018.
OnePlus 5T
One of the most popular phones on the market, OnePlus 5T is furnished with Qualcomm Snapdragon 835 processor, 6GB of RAM, 64GB of internal storage and AMOLED screens. This piece can be bought for approximately $500. If you wish, you can upgrade it for an 8GB of RAM and internal 128GB of storage by shelling out an extra $60. Some of its positives comprise a simple as well as a faster user interface. Although, this device is just splash-proof, not waterproof and its camera comes with some great functions but lacks in certain areas as compared to its rivals. However, OnePlus 5T is still a solid choice on the overall, faring well without burning a hole in your pocket.Moto Z2 Play
Motorola is widely recognized for manufacturing impressive wallet-friendly smartphones, and currently, Moto Z2 Play is one of the favorites among several consumers this year. Equipped with Qualcomm Snapdragon 626 processor, users can choose between a 64GB internal storage and 4GB RAM or 32GB and 3GB RAM. Moreover, one can enjoy a fantastic phone memory by adding a 2TB microSD card. It dons a Corning Gorilla Glass screen and 5.5 Full HD 1080p Super AMOLED display. Its 12MP dual autofocus camera is featured by an LED flash, professional and night mode, and phase detection. Its battery life is relatively low when compared to its predecessor, Z Play but it is sufficient enough for a day’s use. At the moment, you can land a Moto Z2 at a decent deal of $500.iPhone SE
With a starting price of just $350, iPhone SE is a major steal for customers wanting to switch to the Apple family. The iPhone SE is upgraded to the iOS 11 and now supports 4K video recording and ARKit for running top-of-the-line augmented reality apps. It is outfitted with an A9 chip with 64‑bit architecture and is available in two capacities, i.e., 32GB and 128GB. Some highlights of its 4-inch (diagonal) screen are retina and LCD Multi-Touch display with IPS technology and fingerprint‑resistant oleophobic coating. Its 12MP camera, on the other hand, comes with a ton of cool features including 5x digital zoom, photo stabilization, face detection, panorama, noise reduction, burst mode, and geotagging. Moreover, iPhone SE is also has a remarkable battery life.Apart from the devices mentioned above, Essential Phone, Samsung Galaxy 8, Moto X4, Moto G5 Plus, and refurbished iPhone 7 also make for some best smartphone offers. You can find these best-priced smartphones through online sellers such as Amazon, Best Buy, and Overstock. Usually, the most opportune time for landing the best mobile phone offers is during holiday seasons such as Thanksgiving and Christmas. Likewise, manufacturers usually slash prices on their old models when they are about to launch a new smartphone. Therefore, keep an eye on the tech calendar for landing the best mobile phone deals.