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But beware: It could be a “smishing” or “vishing” scam…and criminals on the other end of the phone or website could be attempting to collect your personal information in order to help themselves to your money.

While most cyber scams target your computer, smishing and vishing scams target your mobile phone, and they’re becoming a growing threat as a growing number of Americans own mobile phones.

- Check each seller’s rating and feedback along with the dates the feedback was posted.

Be wary of a seller with a 100 percent positive feedback score, with a low number of feedback postings, or with all feedback posted around the same date.

Now we live in a hyper-communicative fog of tweets and texts. If you say to your best friend, "You always text me so much and I get confused with all the messages," she'll probably get the point and slow down on the texting. Berman, you actually have to tell him what you want."Don't make a man decipher your communication style," she says.

"He's probably treating you the same way he treated his last five girlfriends." Just come out with it — but keep in mind the difference between assertive and aggressive.Many parents also feel relieved to know that their children have easy access to them and to emergency personnel if needed.For instance, a cell phone is especially convenient for kids who participate in after school activities such as sports or clubs.Today’s cell phones allow users to surf the web, conduct text chats with others, take photos, record video, download and listen to music, play games, update blogs, send instant text messages, keep a calendar and to-do list, and much more.For children and teenagers, they allow for anytime, anywhere communication especially with friends.

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