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“My smart phone is my calendar. It’s my MP3 player. It’s my camera. It’s my banking. It’s my email access, my web browsing,” Persaud says. “I can keep in touch with everyone through social networking. You name it, I have it on my cell phone.

Consumer Reports has put dozens of smart phones through a series of tests, to check everything from voice quality, to picture quality, to how easy it is to text message, view email and browse the web.

The very popular I-Phone 4 is a fine performer. However, Consumer Reports tests found if you touch a gap on the phone’s lower left side, you could lose your connection., as we’ve reported. Apple says call to request a free bumper to alleviate the problem.

A number of the top-rated phones are Android phones, including Verizon’s Motorola Droid X and

Droid 2. They offer excellent navigation and displays. The HTC Droid Incredible also scored well. Verizon Wireless’ Michelle Gilbert says there are more than 100-thousand apps available on Android phones and the majority of them are free!

“The other benefit of the android operating system is having that Google search functionality because we all use Google, probably almost everyday to look something up, now you can do it wherever you are,” Gilbert says.

Two other Android phones that rated very good are the Samsung Captivate, used with AT&T and the Samsung Vibrant, with T-Mobile Service.

“These phones were among the highest scoring in our ratings, particularly when it came to their displays, which are especially adept at showing high-definition video.

But no matter which Smart Phone you use, remember it can help save you money this holiday shopping season.

“You can use price comparison websites on them,” Consumer Reports Lisa Lee Freeman says. “You can actually use your phone as a bargaining tool, you can pull up prices for the items you’re looking for and then you can show it to the salesperson and say look, I can find it for less online, and see if they’re willing to match or even beat those prices.”

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