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You rollover your IRA, and you'd like to rollover your cell phone minutes. A service such as Cingular Wireless offers rollover minutes for the financially savvy.
With some cell phone plans, at the end of the month the customer pays for a certain amount of anytime minutes, and at the end of the month the customer often loses unused minutes that you could have spent talking to your financial planner.
Cingular plans allow the customer to rollover their minutes. This means that all unused minutes will carry over to the next month for up to twelve months.
Rather than losing minutes already paid for, you can talk to your CFP (certified financial planner) whenever the stock market dips for months afterward.
Tip: The minutes will be used on a first come first served basis and will expire 12 months from the date they are rolled over.