Cell phones are everywhere, and you can't pull up at a stop light, visit the market or take a walk around the park without seeing folks young and old talking, talking and talking some more. Programs like T-Mobile's "Kids are FREE" family plan are making the prospect of giving your teen his own cell phone less risky -- and less expensive -- all the time. Of course, any program contract you choose will have small print you'll need to evaluate closely for gotchas that can pile on the extra charges. If you've explored cell phone options for your tween or teen before and found them too expensive or complicated, try again. From a safety perspective, it may be a good idea for your child to have a cell phone. Prices are dropping all the time, and this may be your year to net an extraordinary deal.