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44 million tried Apple Music in its first month

When do markets close for Labor Day?

Has Robert Redford gotten it wrong on retirement?

What not to buy over Labor Day weekend

Labor Day traffic will be the U.S.’s worst since 2008

My father wanted to divide his estate, but my sister took it all
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speaks onstage during the 'The Late Show with Stephen Colbert' panel discussion at the CBS portion of the 2015 Summer TCA Tour at The Beverly Hilton Hotel on August 10, 2015 in Beverly Hills, California.  
What Colbert should ask Musk and Uber boss
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Tennis’s U.S. Open trots out grown-up ball people

What it’s like to play tennis with a ‘smart’ racket

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Chinese Navy ships in U.S. territorial waters
Watch China’s 90-minute parade in 60 seconds
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Trump stumbles in interview on foreign policy
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Businessmen have done poorly as presidents
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Oops — Rick Perry says broken clock right once a day

Six actors who were almost cast as James Bond

Obscure trading strategy draws Wall Street’s ire

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Germany at fault in Europe’s refugee crisis
Immigration to Germany at highest since 1992
Chaos in Budapest as migrants rush trains
Father of drowned Syrian boy describes voyage

5 cars that make Tesla’s Model X look like a deal
Musk: Tesla Model 3 preorders begin in March
Tesla Model X ‘Signature’ runs at least $132,000
Best time to buy a new car may be at hand

These are the college majors that are dying

They tangled with student debt all summer
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Markets »

127.27MDow Volume:
Avg Vol: 114.07M
Unchanged
226
Decliners
4346
Advancers
2012
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 16,102 -272 1.66%
Nasdaq
/quotes/zigman/12633936/realtime 4,684 -50 1.05%
S&P 500
/quotes/zigman/3870025/realtime 1,921 -30 1.53%
GlobalDow
/quotes/zigman/629063/realtime 2,282 -41 1.77%
Gold
/quotes/zigman/662444/delayed 1,122 -2 0.20%
Oil
/quotes/zigman/2331095/delayed 45.77 -0.98 2.10%
FTSE 100
/quotes/zigman/3173262/delayed 6,043 -151 2.44%
DAX
/quotes/zigman/2380246/delayed 10,038 -280 2.71%
CAC 40
/quotes/zigman/3173214/delayed 4,523 -131 2.81%
FTSE MIB
/quotes/zigman/1482176/delayed 21,473 -705 3.18%
IBEX 35
/quotes/zigman/2759620/delayed 9,822 -221 2.20%
Stoxx 600
/quotes/zigman/2380150/delayed 353 -9 2.52%
Asia Dow
/quotes/zigman/6959860/realtime 2,684 -29 1.06%
Nikkei 225
/quotes/zigman/5986735/delayed 17,792 -390 2.15%
Hang Seng
/quotes/zigman/2622475/delayed 20,841 -94 0.45%
Shanghai
/quotes/zigman/1859015/delayed 3,160 -6 0.20%
Sensex
/quotes/zigman/1652085/delayed 25,202 -563 2.18%
Singapore
/quotes/zigman/1709939/delayed 2,864 -43 1.47%
Euro
/quotes/zigman/16008136/realtime/sampled 1.12 +0.00 0.26%
Yen
/quotes/zigman/16008150/realtime/sampled 119.01 -1.06 0.88%
Pound
/quotes/zigman/16008140/realtime/sampled 1.52 -0.01 0.58%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.69 -0.01 1.50%
DXY Index
/quotes/zigman/1652083/delayed 96.22 -0.18 0.19%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.96 +0.15 0.17%
U.S. 10yr
/quotes/zigman/15866666/realtime 2.13 -0.03 1.47%
German 10y
/quotes/zigman/15866409/realtime 0.67 -0.05 7.51%
Italy 10yr
/quotes/zigman/15866497/realtime 1.88 -0.04 2.06%
Spain 10yr
/quotes/zigman/15866444/realtime 2.08 -0.03 1.41%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.72 -0.08 4.31%
Japan 10yr
/quotes/zigman/15866525/realtime 0.37 -0.03 6.87%
Crude Oil
/quotes/zigman/2331095/delayed 46 -1 2.10%
Gold
/quotes/zigman/662444/delayed 1,122 -2 0.20%
Corn
/quotes/zigman/7599553/delayed 363 +1 0.28%
DJIA F
/quotes/zigman/38649152/delayed 16,090 -258 1.58%
S&P F
/quotes/zigman/30356461/delayed 1,918 -28 1.44%
Silver
/quotes/zigman/3134148/delayed 15 0 1.07%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 88.26 0.11 0.12%
AAPL /quotes/zigman/68270/composite 109.27 -1.10 -1.00%
GOOG /quotes/zigman/30194416/composite 600.70 -5.55 -0.92%
BAC /quotes/zigman/190927/composite 15.65 -0.29 -1.82%
C /quotes/zigman/5065548/composite 50.59 -1.20 -2.32%
F /quotes/zigman/264304/composite 13.56 -0.28 -2.02%
T /quotes/zigman/398198/composite 32.56 -0.48 -1.45%
BP /quotes/zigman/247026/composite 30.70 -1.71 -5.28%
GE /quotes/zigman/227468/composite 24.00 -0.51 -2.08%
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Rates »

5 yr CD
1.4%
2 yr CD
0.8%
1 yr CD
0.6%
MMA $10K+
0.3%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.62% 11.62% 11.53%
Business 12.85% 12.85% 12.85%
Student 13.14% 13.14% 13.14%
Balance Transfer 14.12% 14.12% 14.00%
Airline 15.10% 15.10% 15.15%
Reward 15.14% 15.14% 14.99%
Cash Back 15.27% 15.27% 15.26%
Instant Approval 18.00% 18.00% 17.93%
Bad Credit 22.73% 22.73% 22.48%
Source:CreditCards.com

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Encore
A blog about living in and planning for retirement

For many, “senior” phone plans don’t ring true

At a time when many older consumers are rebuilding battered nest eggs and wrestling with health-care costs, the relatively low sticker price of a “senior” cell-phone plan can be alluring. But many of those plans reflect a pretty old-fashioned view of how people use their phones. They charge extra for email and other kinds of data — and that means many customers could wind up with much bigger bills than they expected.

Cell-phone use among older adults is rising steadily — nearly seven in 10 people over 65 now own a cell phone, up from 57% just two years ago, according to a study released last month by the Pew Research Center. And the percentage of older users that access the Internet or their email on their cell phone has increased from 7% in 2009 to 16% this year.

For that fast-growing group, the typical senior deal can be problematic. Both Verizon (via its Nationwide 65 Plus Plan) and AT&T (via its Senior Plan) offer people over age 65 a plan that costs $29.99 a month and gives users 200 “anytime” minutes (which can be used at any time of the day, free of charge); both plans also include unlimited mobile-to-mobile calling.

Compared with the average wireless bill — currently $47.21 a month, according to the International Association for the Wireless Telecommunications Industry — that can look like a substantial savings. But Matt Mirandi of BillShrink.com, a site that lets consumers compare cell-phone plans, points out that many seniors could find themselves on the hook for much bigger bills. Talk-time overage charges add up quickly — typically, they cost 45 cents a minute.

More important, these plans generally don’t include any data, and the extra costs for that can add up fast, Mirandi explains. With Verizon’s plan, for example, a basic 2 gigabyte plan—the minimum required for a smartphone for occasional emailing or Web browsing—costs an extra $30; and 5 gigs, an additional $50. Someone who likes to stream music and the occasional video is likely to need more than two gigs — and suddenly, that senior plan costs almost three times as much.

Verizon and AT&T didn’t respond to questions about limits on their senior plans. But they and other phone carriers do offer plans that can represent better deals.  In general, Mirandi recommends that families consider incorporating their over-65 relatives into a group plan likeVerizon’s Share Everything plan or AT&T’s Family Plan — which can cost as little as $30 a month for each phone. Groups of unrelated friends — think neighbors in a winter condo community — can also share such plans. “Just be sure everyone’s on the same page about when the bill is due and what should happen when overages occur,” says Andrea Woroch, a money-savings expert for consumer-app maker Kinoli Inc.

Here are three other ways a retirement-age consumer can slash a cell-phone bill:

  • Negotiate a temporary increase in minutes or data. The life of a retiree can be pretty varied — one month you’re relaxing at home; the next, you’re driving cross-country in your RV.  But if there’s one month you think you’ll be calling or texting more or using more data, you don’t have to permanently increase the minutes and data and the cost on your current plan. Consumers can call ahead of time and ask the phone carrier to add a set of extra minutes or data to their plan just for the month for a small fee. “This can mean big savings in the long term,” Mirandi says.
  • Don’t overpay for data. A lot of people overestimate how much data they’ll use checking email or surfing the Web on their phone, and thus pay too much just “to be safe,” says Merick.  Sites like BillShrink.com help consumers analyze their data usage.  To keep their cellular-data usage down, users should make sure that when at home, they surf on their personal Wi-Fi network, rather than on the phone company’s network.
  • Consider a prepaid phone. Customers who seldom use their phones can consider using a prepaid model rather than being locked into a contract.  “Wal-Mart has some great deals on these,” says Michael Bremmer, the CEO of TelecomQuotes.com, a company that helps businesses find cellular-service options.  For some phones, you can pay a flat $30 a month, taxes and fees included, and you won’t get hit with overage charges — since you can’t use more than the minutes you’ve paid for.

Comments

We welcome thoughtful comments from readers. Please comply with our guidelines. Our blogs do not require the use of your real name.

Comments (2 of 2)

View all Comments »
    • Michael Bremmer, the CEO of TelecomQuotes.com – this is great information about prepaid mobile. Why doesnt the general public hear about this? Answer: Most mobile providers dont market prepaid plans heavily because they want more customers on contract plans. I hope more consumers do some research or contact you at TelecomQuotes.com for assistance.

    • Prepaid is the way to go. Check out AT&T’s Gophone, Tracfone, Net10, and PagePlus, etc. Check out this Comparison Chart:
      http://www.prepaid-wireless-guide.com/compare-payg.html

      I use an AT&T Gophone with the 10 cent per minute plan. I never spend more than $100 per year for my cell phone service. I make very few calls and keep them short. I use Wifi instead of buying a data plan.

      A friend of mine recently dropped her Verizon plan that was costing her $48/month and switched to prepaid. Now she pays approximately $10/month.

      Of course you can’t spend hours yakking on your cell phone, or watching videos, if you want to keep the costs down.

About Encore

  • Encore examines the changing nature of retirement, from new rules and guidelines for financial security to the shifting identities and priorities of today’s retirees. The blog also explores news that affects retirement, from the Wall Street Journal Digital Network and around the web. Lead bloggers are reporter Catey Hill and senior editor Jeremy Olshan. Other contributors include The Wall Street Journal’s retirement columnists Glenn Ruffenach and Anne Tergesen; the Director for the Center for Retirement Research at Boston College, Alicia Munnell; and the Director of Research for Pinnacle Advisory Group, Michael Kitces, CFP.

MarketWatch - Stock Market Quotes, Business News, Financial News
Bulletin
Investor Alert
need to know
Teco Energy jumps after Emera buyout offer
‘Transporter’ takes on ‘Straight Outta Compton’
U.S. details ‘flash crash’ case vs. U.K. trader
$46 million asking-price cut for megamansion
44 million tried Apple Music in its first month

When do markets close for Labor Day?

Has Robert Redford gotten it wrong on retirement?

What not to buy over Labor Day weekend

Labor Day traffic will be the U.S.’s worst since 2008

My father wanted to divide his estate, but my sister took it all
What to do when a parent dies and leaves no will
Money mistakes to avoid after a spouse’s death

speaks onstage during the 'The Late Show with Stephen Colbert' panel discussion at the CBS portion of the 2015 Summer TCA Tour at The Beverly Hilton Hotel on August 10, 2015 in Beverly Hills, California.  
What Colbert should ask Musk and Uber boss
Stephen Colbert’s ‘Late Show’: What to expect

Surf the 10 stories you shouldn’t have missed

Hey, Twitter, is Jack Dorsey your CEO or what?

Tennis’s U.S. Open trots out grown-up ball people

What it’s like to play tennis with a ‘smart’ racket

Chicago clout woven through Navistar complaints

Green Giant faces uphill battle for millennial market

Chinese Navy ships in U.S. territorial waters
Watch China’s 90-minute parade in 60 seconds
See photos of China's massive military parade
China markets close for war anniversary

Donald Trump stumbles during interview on foreign policy
Trump stumbles in interview on foreign policy
Trump signs Republican loyalty pledge
Carson and Trump: Their policy differences
Trump as president: Bound to be GREAT!
Businessmen have done poorly as presidents
Also
Oops — Rick Perry says broken clock right once a day

Six actors who were almost cast as James Bond

Obscure trading strategy draws Wall Street’s ire

Technical-vs.-fundamental matchups put to test

Germany at fault in Europe’s refugee crisis
Immigration to Germany at highest since 1992
Chaos in Budapest as migrants rush trains
Father of drowned Syrian boy describes voyage

5 cars that make Tesla’s Model X look like a deal
Musk: Tesla Model 3 preorders begin in March
Tesla Model X ‘Signature’ runs at least $132,000
Best time to buy a new car may be at hand

These are the college majors that are dying

They tangled with student debt all summer
College help for low-income families

/conga/frontpage.html 354231

Markets »

127.27MDow Volume:
Avg Vol: 114.07M
Unchanged
226
Decliners
4346
Advancers
2012
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 16,102 -272 1.66%
Nasdaq
/quotes/zigman/12633936/realtime 4,684 -50 1.05%
S&P 500
/quotes/zigman/3870025/realtime 1,921 -30 1.53%
GlobalDow
/quotes/zigman/629063/realtime 2,282 -41 1.77%
Gold
/quotes/zigman/662444/delayed 1,122 -2 0.20%
Oil
/quotes/zigman/2331095/delayed 45.77 -0.98 2.10%
FTSE 100
/quotes/zigman/3173262/delayed 6,043 -151 2.44%
DAX
/quotes/zigman/2380246/delayed 10,038 -280 2.71%
CAC 40
/quotes/zigman/3173214/delayed 4,523 -131 2.81%
FTSE MIB
/quotes/zigman/1482176/delayed 21,473 -705 3.18%
IBEX 35
/quotes/zigman/2759620/delayed 9,822 -221 2.20%
Stoxx 600
/quotes/zigman/2380150/delayed 353 -9 2.52%
Asia Dow
/quotes/zigman/6959860/realtime 2,684 -29 1.06%
Nikkei 225
/quotes/zigman/5986735/delayed 17,792 -390 2.15%
Hang Seng
/quotes/zigman/2622475/delayed 20,841 -94 0.45%
Shanghai
/quotes/zigman/1859015/delayed 3,160 -6 0.20%
Sensex
/quotes/zigman/1652085/delayed 25,202 -563 2.18%
Singapore
/quotes/zigman/1709939/delayed 2,864 -43 1.47%
Euro
/quotes/zigman/16008136/realtime/sampled 1.12 +0.00 0.26%
Yen
/quotes/zigman/16008150/realtime/sampled 119.01 -1.06 0.88%
Pound
/quotes/zigman/16008140/realtime/sampled 1.52 -0.01 0.58%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.69 -0.01 1.50%
DXY Index
/quotes/zigman/1652083/delayed 96.22 -0.18 0.19%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.96 +0.15 0.17%
U.S. 10yr
/quotes/zigman/15866666/realtime 2.13 -0.03 1.47%
German 10y
/quotes/zigman/15866409/realtime 0.67 -0.05 7.51%
Italy 10yr
/quotes/zigman/15866497/realtime 1.88 -0.04 2.06%
Spain 10yr
/quotes/zigman/15866444/realtime 2.08 -0.03 1.41%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.72 -0.08 4.31%
Japan 10yr
/quotes/zigman/15866525/realtime 0.37 -0.03 6.87%
Crude Oil
/quotes/zigman/2331095/delayed 46 -1 2.10%
Gold
/quotes/zigman/662444/delayed 1,122 -2 0.20%
Corn
/quotes/zigman/7599553/delayed 363 +1 0.28%
DJIA F
/quotes/zigman/38649152/delayed 16,090 -258 1.58%
S&P F
/quotes/zigman/30356461/delayed 1,918 -28 1.44%
Silver
/quotes/zigman/3134148/delayed 15 0 1.07%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 88.26 0.11 0.12%
AAPL /quotes/zigman/68270/composite 109.27 -1.10 -1.00%
GOOG /quotes/zigman/30194416/composite 600.70 -5.55 -0.92%
BAC /quotes/zigman/190927/composite 15.65 -0.29 -1.82%
C /quotes/zigman/5065548/composite 50.59 -1.20 -2.32%
F /quotes/zigman/264304/composite 13.56 -0.28 -2.02%
T /quotes/zigman/398198/composite 32.56 -0.48 -1.45%
BP /quotes/zigman/247026/composite 30.70 -1.71 -5.28%
GE /quotes/zigman/227468/composite 24.00 -0.51 -2.08%
Visit the quote page and your most recently viewed stocks will automatically be displayed here.
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Rates »

5 yr CD
1.4%
2 yr CD
0.8%
1 yr CD
0.6%
MMA $10K+
0.3%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.62% 11.62% 11.53%
Business 12.85% 12.85% 12.85%
Student 13.14% 13.14% 13.14%
Balance Transfer 14.12% 14.12% 14.00%
Airline 15.10% 15.10% 15.15%
Reward 15.14% 15.14% 14.99%
Cash Back 15.27% 15.27% 15.26%
Instant Approval 18.00% 18.00% 17.93%
Bad Credit 22.73% 22.73% 22.48%
Source:CreditCards.com

SPONSORED SECTIONS

Trending Tickers
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  • /quotes/zigman/227548/composite GIS-1.77%
  • /quotes/zigman/2803861/composite FRC-1.13%
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