A standard telephone keypad, with four rows of three keys each. The top row consists of 1, 2, and 3, with keys continuing down in order until the last row, which is usually *, 0, and #. Such a keypad ...

Mike Cetera is the editor in chief for Forbes Marketplace U.S. Mike has written and edited articles about mortgages, savings accounts, CD rates and credit cards for more than a decade. Prior to ...