Once the American consumer realizes that a subsidy up front plus an inflated monthly fee is a net ripoff, there will be a move in the marketplace to buy smartphones SIM-unlocked and get service from a SIM card that you may have picked up at Wal-Mart. Thirty dollars per month can give you unlimited service, saving you as much as $60 a month, or $1,440 over two years. The consumer nets $1,000 or more in savings, $500 per year.

Those $500/year savings are already available to the consumer, so why will it matter more a year from now than today, you may ask? The answer is that the U.S. consumer is so short-sighted that the net present value benefit is harder to see if the phone costs $349 (Nexus) and $649 (iPhone), as opposed to perhaps $199 a year from now (a future Nexus phone).

2. Even lower prices for the monthly plans. If you want not only unlimited data, but you're also stuck on circuit-switched telephony and SMS, as 99% of Americans are, it's not enough to get just a $30 data plan for your smartphone. Most people pay closer to $90 because the bill adds to the $30 data also $20 for SMS and $40 for unlimited circuit-switched calling.

Google is likely to change this. I started writing in 2007, and have repeated this call in numerous articles since, that Google will launch its own integrated VoIP service. This has taken longer than I anticipated in 2007, 2008, 2009, 2010, 2011 and 2012. But it WILL happen. And I don't think we are a full year away from this. I think it will happen in 2013 -- cross your fingers.

With Google VoIP, calling may be 100% free, or you may get unlimited service at some very cheap price, perhaps $10 per month. Or you'll get something like 1,000 minutes or 3,000 minutes for $10 -- or whatever. All you need is a data plan, and you will be able to buy at least 4 gigs for $30 per month. SMS? It's already free with Google, and when they make voice free as well, people will finally wake up and start using the free SMS (Google Voice).

I predict Google will unveil this vision -- complete with $199 high-end smartphones and almost-free VoIP -- on May 15, 2013.

If you liked this article you might like

Why Alex Rodriguez Is Investing in Billionaires Warren Buffett and Jeff Bezos

Former NY Yankees Slugger Alex Rodriguez Reveals One Juicy Investment Tip

Why I Love Apple, Alphabet, Nvidia and These Other Stocks for September

Have Amazon, Google, Apple and Sony Flooded the Smart Speaker Market?