Zack Stern

Mobile-payment hardware lets your business accept credit cards through an iPhone, an Android handset or another smartphone.

VOIP (voice over IP) calls cost less than traditional phone systems, while adding additional features.

Add external storage to your TiVo, beef up your Xbox 360, rip DVDs to your media player, play your iTunes purchases on any device, and use your standard cable remote to skip commercials.

Chat is cheap. Videoconferencing, on the other hand, gives your online conversations a more personal feeling.