The advice you have read about stop words is incorrect.
This is easy to prove - if you search on google for "pay as you go mobile phones" google finds 538,000 pages. According to the advice you have been given the "stop" words "as you" are ignored. That means that if you searched for "pay go mobile phones" you should get the same number of results, but you don't, google finds 413,000 pages.
I suggest you stop reading seo forums (the advice is soooo hit and miss) and read google's own advice instead - http://www.google.com/webmasters/doc...rter-guide.pdf
If you need anymore seo advice I suggest you limit your reading to only a couple of sources. I recommend - SEO - Search Engine Optimization | Read SEOmoz, Rank Better
SEOmoz | Google Search Engine Ranking Factors
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