I am so excited because, I took the advice of Grace, and read up about upgrading my mobile phone on Martin’s Money Tipsand when my current mobile phone contract was coming up for renewal I called the ‘Contracts Termination’ department of my service provider as, apparently, they are the only ones who have any authority to make any decisions regarding upgrades and new price plans. I told them I wanted to terminate my contract but was prepared to see what they could offer and after a bit of discussion they gave me over 50% off my present contract which means after 12 months I have virtually paid for an iPhone 4if I buy it direct from Applewhich means, if there are any problems, they will deal with them immediately and I do not have to go through my service provider. Finally if I had upgraded with my service provider to an iPhone 4 they would only offer 18 or 24 month contracts and my monthly payments would have increased considerably. Now I have to learn how to use an iPhone but since they have such great instructors at my local Apple Store atWestfield, White Citythen I can see no insurmountable problems but watch this space as I will probably enjoy paying less and stick with my tried and tested phone that has a few issues on certain keys which seem to have absorbed a bit of the stickiness from my pain au raisins which makes texting hilarious!!