If you live in a big city you are probably inundated with billboard ads for smartphones everywhere you go. Cell phone companies like to think you can't live without a cell phone in today's day and age. All you needed a cell phone to do for you back in the day was make a call. That's it. Some people even owned cell phones just in case they had to call 9-1-1 and nothing else. Texting, web browsing, application downloading, etc., was not as popular as it is today.

You could walk into any medical office and you'd probably see at least half the parents in the waiting room doing something on their cell phone other than talking while waiting. One of the great things about technology is how simpler they have made our lives today. One of the most popular gadgets around is the smartphone. Be it an iPhone, Windows or Android phone, smartphones have taken over the world. Well, not actually, but it sure seems that way.

Smartphones can be used for a variety of reasons in addition to the most basic use of placing a phone call. Any old cell phone can be used to make calls. A smartphone can look up information on the internet and even keep you in touch with friends via social media! While smartphones are cool and let you play games or download apps the question you need to ask yourself is do you need a smartphone?

Just because everybody else owns one do you need to as well? It all really depends on what you need your cell phone to do for you? If all you need a cell phone for is to place calls while you're away from your house then a simple cell phone would do.

However, if you're looking for your cell phone to act as a mini computer, download work documents or fantasy football applications, or video chat with co-workers across the country, then picking yourself up a smartphone would be the way to go.

From taking video footage of skydiving to e-mailing your best friend on another Continent, smartphones can do pretty much anything you want them to. So, when you're deciding if you need a smartphone or not ask yourself what you would be using your smartphone for? If your smartphone isn't needed for anything more than making phone calls or sending texts then you can save yourself some money and just go with a regular cell phone. Special thanks to Cannect - private loans in Toronto for helping us find the right loan for our needs.