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Dow, S&P's longest losing stretch in months
Dollar drops to 15-month low vs. yen
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Burger King to sell hot dogs starting Feb. 23
US Foods files to go public
Salesforce CEO takes stake in Fitbit
U.S. government runs $55 billion budget surplus

Carly Fiorina drops out of presidential race

Expedia CFO: Airbnb not a threat at all

Private-equity firms now buying back their own shares
Share buyback machine remains in overdrive

A new ‘Harry Potter’ book is coming this summer

What Apple, Amazon and Starbucks have in common

Portland Trail Blazers guards Damian Lillard and C.J. McCollum live with ... mom
Meet the NBA stars who live with their mothers

Musician Lenny Kravitz owned the 19th-century Creole cottage in the French Quarter of New Orleans from 1994 to 2012. It's now back on the market at $1.16 million.

RE/Max N.O. Properties/Mansion Global
A bona fide celebrity abode — believe it or not
London house of the week has spiritual side
S.F. real estate looked like this in 2000, too
San Diego prices sending buyers northward
Location Scouts: Insider intel from top markets

A break for zombie-fighting Amazon developers

REIT bonus targets at heart of Brixmor scandal

Burberry sues, says J.C. Penney copied its designs
NRF expects retail sales to grow 3.1% in 2016

10 essential money questions to ask yourself today

Feds have removed a roadblock to driverless cars

Recipe for less boring Oscar acceptance speeches
Is James Bond’s Pinewood Studios for sale?

Why is everyone freaking out about ‘CoCos’?

If you’re bullish on oil, Chevron and Exxon are buys here
If you’re bullish on oil, these stocks are buys

Social Security in the crosshairs: replacement rates again
Stage is being set for cuts to Social Security

Tricky tax issues you should know about this year

Supreme Court halts Obama’s emissions plan
White House forecasts best growth in years
Obama proposes $4.1 trillion federal budget

Why you should consider retiring abroad
Finding the best places to retire abroad
Expat retirees: How life has turned out

Is it wise to hold on to cash reserves?


IRS says identity thieves breached its systems
How to know if your tax preparer is a crook
Tax software firm warns of data breach
White House's lesson about online security

The 6 Most Shorted NYSE Stocks: Short Sellers Pile on Alcoa, Freeport-McMoRan Again
Short sellers pile on Alcoa, Freeport-McMoRan
24/7 Wall St.: Short sellers retreat from Nasdaq

Cheap oil may make OPEC dominant again
Existential threat to Russians and Saudis: Lynn

Will oil get so cheap, it won’t pay to extract it?


/conga/frontpage.html 367639

Markets »

122.29MDow Volume:
Avg Vol: 131.80M
Unchanged
201
Decliners
3048
Advancers
3255
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 15,915 -100 0.62%
Nasdaq
/quotes/zigman/12633936/realtime 4,284 +15 0.35%
S&P 500
/quotes/zigman/3870025/realtime 1,852 0 0.02%
GlobalDow
/quotes/zigman/629063/realtime 2,086 +6 0.28%
Gold
/quotes/zigman/33772884/delayed 1,199 +4 0.34%
Oil
/quotes/zigman/2260836/delayed 27.41 -0.04 0.15%
FTSE 100
/quotes/zigman/3173262/delayed 5,672 +40 0.71%
DAX
/quotes/zigman/2380246/delayed 9,017 +138 1.55%
CAC 40
/quotes/zigman/3173214/delayed 4,061 +64 1.59%
FTSE MIB
/quotes/zigman/1482176/delayed 16,714 +801 5.03%
IBEX 35
/quotes/zigman/2759620/delayed 8,144 +216 2.73%
Stoxx 600
/quotes/zigman/2380150/delayed 315 +6 1.87%
Asia Dow
/quotes/zigman/6959860/realtime 2,464 +10 0.43%
Nikkei 225
/quotes/zigman/5986735/delayed 15,713 -372 2.31%
Hang Seng
/quotes/zigman/2622475/delayed 19,288 +105 0.55%
Shanghai
/quotes/zigman/1859015/delayed 2,763 -18 0.63%
Sensex
/quotes/zigman/1652085/delayed 23,759 -262 1.09%
Singapore
/quotes/zigman/1709939/delayed 2,582 -41 1.57%
Euro
/quotes/zigman/16008136/realtime/sampled 1.13 0.00 0.09%
Yen
/quotes/zigman/16008150/realtime/sampled 113.47 +0.12 0.11%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 +0.00 0.02%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 +0.00 0.10%
DXY Index
/quotes/zigman/1652083/delayed 95.82 -0.23 0.24%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.93 +0.04 0.05%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.67 0.00 0.00%
German 10y
/quotes/zigman/15866409/realtime 0.24 0.00 0.00%
Italy 10yr
/quotes/zigman/15866497/realtime 1.65 0.00 0.00%
Spain 10yr
/quotes/zigman/15866444/realtime 1.72 0.00 0.00%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.42 0.00 0.00%
Japan 10yr
/quotes/zigman/15866525/realtime 0.01 0.00 0.00%
Crude Oil
/quotes/zigman/2260836/delayed 27 0 0.15%
Gold
/quotes/zigman/33772884/delayed 1,199 +4 0.34%
Corn
/quotes/zigman/25518691/delayed 360 -1 0.21%
DJIA F
/quotes/zigman/48241424/delayed 15,828 -38 0.24%
S&P F
/quotes/zigman/43106711/delayed 1,842 -4 0.24%
Silver
/quotes/zigman/32655632/delayed 15 +0 0.18%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 101.00 1.46 1.47%
AAPL /quotes/zigman/68270/composite 94.27 -0.72 -0.76%
GOOG /quotes/zigman/59527964/composite 684.12 6.01 0.89%
BAC /quotes/zigman/190927/composite 11.98 -0.22 -1.80%
C /quotes/zigman/5065548/composite 37.41 -0.10 -0.27%
F /quotes/zigman/264304/composite 11.34 -0.01 -0.09%
T /quotes/zigman/398198/composite 36.43 -0.22 -0.60%
BP /quotes/zigman/247026/composite 28.04 -0.31 -1.09%
GE /quotes/zigman/227468/composite 28.30 0.02 0.07%
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Rates »

5 yr CD
1.3%
2 yr CD
0.7%
1 yr CD
0.5%
MMA $10K+
0.2%
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 11.96% 11.96% 11.62%
Business 13.12% 13.12% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.35% 14.12%
Airline 15.17% 15.17% 15.10%
Cash Back 15.20% 15.26% 15.27%
Reward 15.25% 15.28% 15.14%
Instant Approval 18.02% 18.21% 18.00%
Bad Credit 22.56% 22.88% 22.73%
Source:CreditCards.com

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SmartMoney Blogs

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
Dow, S&P's longest losing stretch in months
Dollar drops to 15-month low vs. yen
Mylan reaches $7.2 bln deal for Sweden's Meda
Burger King to sell hot dogs starting Feb. 23
US Foods files to go public
Salesforce CEO takes stake in Fitbit
U.S. government runs $55 billion budget surplus

Carly Fiorina drops out of presidential race

Expedia CFO: Airbnb not a threat at all

Private-equity firms now buying back their own shares
Share buyback machine remains in overdrive

A new ‘Harry Potter’ book is coming this summer

What Apple, Amazon and Starbucks have in common

Portland Trail Blazers guards Damian Lillard and C.J. McCollum live with ... mom
Meet the NBA stars who live with their mothers

Musician Lenny Kravitz owned the 19th-century Creole cottage in the French Quarter of New Orleans from 1994 to 2012. It's now back on the market at $1.16 million.

RE/Max N.O. Properties/Mansion Global
A bona fide celebrity abode — believe it or not
London house of the week has spiritual side
S.F. real estate looked like this in 2000, too
San Diego prices sending buyers northward
Location Scouts: Insider intel from top markets

A break for zombie-fighting Amazon developers

REIT bonus targets at heart of Brixmor scandal

Burberry sues, says J.C. Penney copied its designs
NRF expects retail sales to grow 3.1% in 2016

10 essential money questions to ask yourself today

Feds have removed a roadblock to driverless cars

Recipe for less boring Oscar acceptance speeches
Is James Bond’s Pinewood Studios for sale?

Why is everyone freaking out about ‘CoCos’?

If you’re bullish on oil, Chevron and Exxon are buys here
If you’re bullish on oil, these stocks are buys

Social Security in the crosshairs: replacement rates again
Stage is being set for cuts to Social Security

Tricky tax issues you should know about this year

Supreme Court halts Obama’s emissions plan
White House forecasts best growth in years
Obama proposes $4.1 trillion federal budget

Why you should consider retiring abroad
Finding the best places to retire abroad
Expat retirees: How life has turned out

Is it wise to hold on to cash reserves?


IRS says identity thieves breached its systems
How to know if your tax preparer is a crook
Tax software firm warns of data breach
White House's lesson about online security

The 6 Most Shorted NYSE Stocks: Short Sellers Pile on Alcoa, Freeport-McMoRan Again
Short sellers pile on Alcoa, Freeport-McMoRan
24/7 Wall St.: Short sellers retreat from Nasdaq

Cheap oil may make OPEC dominant again
Existential threat to Russians and Saudis: Lynn

Will oil get so cheap, it won’t pay to extract it?


/conga/frontpage.html 367639

Markets »

122.29MDow Volume:
Avg Vol: 131.80M
Unchanged
201
Decliners
3048
Advancers
3255
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 15,915 -100 0.62%
Nasdaq
/quotes/zigman/12633936/realtime 4,284 +15 0.35%
S&P 500
/quotes/zigman/3870025/realtime 1,852 0 0.02%
GlobalDow
/quotes/zigman/629063/realtime 2,086 +6 0.29%
Gold
/quotes/zigman/33772884/delayed 1,199 +4 0.34%
Oil
/quotes/zigman/2260836/delayed 27.41 -0.04 0.15%
FTSE 100
/quotes/zigman/3173262/delayed 5,672 +40 0.71%
DAX
/quotes/zigman/2380246/delayed 9,017 +138 1.55%
CAC 40
/quotes/zigman/3173214/delayed 4,061 +64 1.59%
FTSE MIB
/quotes/zigman/1482176/delayed 16,714 +801 5.03%
IBEX 35
/quotes/zigman/2759620/delayed 8,144 +216 2.73%
Stoxx 600
/quotes/zigman/2380150/delayed 315 +6 1.87%
Asia Dow
/quotes/zigman/6959860/realtime 2,464 +10 0.42%
Nikkei 225
/quotes/zigman/5986735/delayed 15,713 -372 2.31%
Hang Seng
/quotes/zigman/2622475/delayed 19,288 +105 0.55%
Shanghai
/quotes/zigman/1859015/delayed 2,763 -18 0.63%
Sensex
/quotes/zigman/1652085/delayed 23,759 -262 1.09%
Singapore
/quotes/zigman/1709939/delayed 2,582 -41 1.57%
Euro
/quotes/zigman/16008136/realtime/sampled 1.13 0.00 0.09%
Yen
/quotes/zigman/16008150/realtime/sampled 113.47 +0.12 0.10%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 +0.00 0.02%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 +0.00 0.10%
DXY Index
/quotes/zigman/1652083/delayed 95.82 -0.23 0.24%
WSJ $ Idx
/quotes/zigman/41508961/realtime 88.93 +0.04 0.05%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.67 0.00 0.00%
German 10y
/quotes/zigman/15866409/realtime 0.24 0.00 0.00%
Italy 10yr
/quotes/zigman/15866497/realtime 1.65 0.00 0.00%
Spain 10yr
/quotes/zigman/15866444/realtime 1.72 0.00 0.00%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.42 0.00 0.00%
Japan 10yr
/quotes/zigman/15866525/realtime 0.01 0.00 0.00%
Crude Oil
/quotes/zigman/2260836/delayed 27 0 0.15%
Gold
/quotes/zigman/33772884/delayed 1,199 +4 0.34%
Corn
/quotes/zigman/25518691/delayed 360 -1 0.21%
DJIA F
/quotes/zigman/48241424/delayed 15,828 -38 0.24%
S&P F
/quotes/zigman/43106711/delayed 1,842 -4 0.24%
Silver
/quotes/zigman/32655632/delayed 15 +0 0.18%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 101.00 1.46 1.47%
AAPL /quotes/zigman/68270/composite 94.27 -0.72 -0.76%
GOOG /quotes/zigman/59527964/composite 684.12 6.01 0.89%
BAC /quotes/zigman/190927/composite 11.98 -0.22 -1.80%
C /quotes/zigman/5065548/composite 37.41 -0.10 -0.27%
F /quotes/zigman/264304/composite 11.34 -0.01 -0.09%
T /quotes/zigman/398198/composite 36.43 -0.22 -0.60%
BP /quotes/zigman/247026/composite 28.04 -0.31 -1.09%
GE /quotes/zigman/227468/composite 28.30 0.02 0.07%
Visit the quote page and your most recently viewed stocks will automatically be displayed here.
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Rates »

5 yr CD
1.3%
2 yr CD
0.7%
1 yr CD
0.5%
MMA $10K+
0.2%
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 11.96% 11.96% 11.62%
Business 13.12% 13.12% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.35% 14.12%
Airline 15.17% 15.17% 15.10%
Cash Back 15.20% 15.26% 15.27%
Reward 15.25% 15.28% 15.14%
Instant Approval 18.02% 18.21% 18.00%
Bad Credit 22.56% 22.88% 22.73%
Source:CreditCards.com

SPONSORED SECTIONS

Trending Tickers
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