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The all-in-one, unlimited use offer is sweeping the marketplace. It also is likely to waste a big chunk of your change. The most prominent offers taking advantage of this trend are for telephone service. Most major telephone companies now are widely-promoting unlimited use – or all-you-can-call – plans. The companies offer local, long distance, and […]
Cutting the cost of investing is more important than it has been in years. Expenses didn’t matter much when the stock market returned over 20% annually and bonds yielded over 8%. In the next 10 years, however, I expect bonds won’t return more than their current yields, and the annual average return from stocks will […]
It is not as easy to increase wealth through investing as it was a few years ago. To boost wealth, investment returns have to be supplemented with cost cutting. Many firms are making this more difficult by increasing prices and various fees. Here’s my quick review of the best ways many of you can increase […]
Prescription drugs are more numerous and more important to health care. Unfortunately, buying them is getting more confusing. Unlike the early days of Medicare, today drugs are the prime treatment for many diseases and conditions. Often, diseases are treated or controlled by taking medication for life. Drugs are a big reason why, despite an older […]
Are you being nickled-and-dimed to death? With investment returns down, watching expenses is as important as investing for income and capital gains. My forecast is that we are entering an era when 6% to 12% stock market returns are more likely than the 18% annual returns of the bull market. To meet your wealth accumulation […]
The airwaves are full of ads for lower auto insurance costs. But the commercials don’t tell you even half the story. Unfortunately, few people do their auto insurance correctly. There are many ways to cut your auto premiums without putting yourself at risk. This is especially good news for older Americans. Those premium reductions you […]
You are paying about $200 annually in bank fees, according to recent surveys. There are many different fees. I even got charged an excess account activity fee. Fortunately, the financial services revolution continues. Deregulation, technology, and competition give you a number of ways to reduce these fees or get your money’s worth from them. Here’s […]
Always read those little booklets from your credit card company that describe changes in your card terms. I got quite a surprise when reading a recent one from Citibank, and millions of other cardholders across the country also received surprises. Unfortunately, many won’t learn of the new credit card traps until they learn how much […]
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