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Spending: Make your phone a hotspot

You're away from home and there's no Wi-Fi nearby. Or maybe there is, but it's free and not password-protected. If you carry a smartphone, you can set up a personal hotspot that lets you share the phone's cellular data connection with other devices via Wi-Fi, Bluetooth or USB cable. It's easy, and a hotspot is great for road trips, too, because it brings Internet access to all the Net-capable devices you take in your car. To get started, ask your carrier what it will take to turn your smartphone into a hotspot. If you have a shared-data plan from AT&T, T-Mobile or Verizon, in most cases all you have to do is follow some simple steps in the Settings menu on your...