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New York Markets Close in:

need to know
Burger King to sell hot dogs starting Feb. 23
What to expect from Whole Foods earnings
US Foods files to go public
Salesforce CEO takes stake in Fitbit
NRF expects retail sales to grow 3.1% in 2016
U.S. government runs $55 billion budget surplus

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
S.F. real estate looked like this in 2000, too
San Diego prices sending buyers northward
Location Scouts: Insider intel from top markets

Tesla earnings: Model 3 spending, Model X sales in focus
Tesla earnings: Model 3 spending, Model X

Twitter reports after the bell — what to look for
The Twitter signal that’s giving investors hope
Facebook, Amazon are the keys to this market
Tech money makers can’t make up for losers

A break for zombie-fighting Amazon developers

REIT bonus targets at heart of Brixmor scandal

Burberry sues, says J.C. Penney copied its designs
Hermès sales up 15% on euro, Asian demand

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’?
Convertible bonds are alluring as stocks fall

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
The best places to retire abroad — with friends
Finding the best places to retire abroad
Expat retirees: how life has turned out

The sad truth of why retirement
is a myth


Is it wise to hold onto cash reserves?

Strategists argue stocks need a true purge

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 367604

Markets »

66.19MDow Volume:
Avg Vol: 130.29M
Unchanged
127
Decliners
1794
Advancers
4476
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 16,056 +41 0.26%
Nasdaq
/quotes/zigman/12633936/realtime 4,340 +71 1.67%
S&P 500
/quotes/zigman/3870025/realtime 1,870 +18 0.95%
GlobalDow
/quotes/zigman/629063/realtime 2,094 +10 0.46%
Gold
/quotes/zigman/33772884/delayed 1,193 -6 0.50%
Oil
/quotes/zigman/2260836/delayed 27.52 -0.42 1.50%
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 2,454 -17 0.69%
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 0.30%
Yen
/quotes/zigman/16008150/realtime/sampled 114.07 -1.05 0.91%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 +0.00 0.21%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 +0.00 0.45%
DXY Index
/quotes/zigman/1652083/delayed 96.13 +0.07 0.07%
WSJ $ Idx
/quotes/zigman/41508961/realtime 89.09 -0.19 0.21%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.72 -0.01 0.55%
German 10y
/quotes/zigman/15866409/realtime 0.24 +0.01 2.52%
Italy 10yr
/quotes/zigman/15866497/realtime 1.64 -0.04 2.37%
Spain 10yr
/quotes/zigman/15866444/realtime 1.72 -0.06 3.62%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.42 +0.00 0.13%
Japan 10yr
/quotes/zigman/15866525/realtime 0.01 +0.04 165.64%
Crude Oil
/quotes/zigman/2260836/delayed 28 0 1.50%
Gold
/quotes/zigman/33772884/delayed 1,193 -6 0.50%
Corn
/quotes/zigman/25518691/delayed 360 -1 0.21%
DJIA F
/quotes/zigman/48241424/delayed 15,989 +30 0.19%
S&P F
/quotes/zigman/43106711/delayed 1,863 +15 0.81%
Silver
/quotes/zigman/32655632/delayed 15 0 1.32%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 102.91 3.37 3.38%
AAPL /quotes/zigman/68270/composite 95.30 0.31 0.33%
GOOG /quotes/zigman/59527964/composite 693.71 15.60 2.30%
BAC /quotes/zigman/190927/composite 12.14 -0.06 -0.49%
C /quotes/zigman/5065548/composite 38.11 0.60 1.60%
F /quotes/zigman/264304/composite 11.40 0.05 0.41%
T /quotes/zigman/398198/composite 36.53 -0.12 -0.33%
BP /quotes/zigman/247026/composite 28.10 -0.25 -0.88%
GE /quotes/zigman/227468/composite 28.59 0.31 1.10%
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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
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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Pay Dirt
A daily look at what we buy, how we spend, and the companies that do right - and wrong - by their customers.

Self-Serve: The Bane of Budgets and Diets

iStockphoto

Do-it-yourself can be a money saver when you’re talking about making minor home repairs or planning a wedding. But when it comes to frozen yogurt, it may be better for your wallet and your waistline to go for counter service.

Self-serve yogurt has become a trendy franchise option, reports Monday’s Wall Street Journal. With more than 17 chains offering self-serve and a number of independent stores, the selection is staggering enough that Eater.com’s Portland, Ore., site dubbed the trend “Fro-yopocalypse.” But with self-service options also popping up for candy, cereal and beer, among other foods, what caught our attention is the cost. Notes the WSJ, “With weight-based pricing, the average self-serve ticket is $6.32, compared with $5.61 at a traditional store, says a TCBY spokeswoman.” (Mrs. Fields Famous Brands, parent company of TCBY, did not respond to Pay Dirt’s requests for comment.)

Nutrition experts say that sticker shock isn’t surprising. “Like all-you-can-eat buffets, there’s a drive to get your money’s worth,” says food psychologist Jim Painter, a professor at Eastern Illinois University and producer of the documentary “Portion Size Me.” Studies have repeatedly shown that consumers tend to fill whatever plate or bowl they’re given, and self-serve customers have a limited choice of containers — which for frozen yogurt are often much larger than the 4-ounce serving size chains use as their nutritional benchmark. At self-serve chain Yogurtini, for example, consumers can choose a 16-ounce or 32-ounce container. The average customer’s creation clocks in at 14 ounces which, at $0.39 per ounce, costs $5.46, says Natasha Nelson co-founder and president of the chain. Nutrition information is posted in the store, and customers are free to weigh their food as often as they’d like before purchase — although almost no one does, she says.

Extensive choices — stores typically offer more than a dozen yogurt flavors and several dozen toppings — further entice consumers to load up, says nutritionist Lisa Young, author of “The Portion Teller.” “You feel like you can try a little bit of everything,” she says. That adds to your bill and ups the calorie intake. Although frozen yogurt can be healthier than ice cream, some versions are high in sugar. Plus, eating double or triple the typical serving size isn’t likely to be “healthier” by any stretch.

Consumers’ best defense is to get counter service when available. If self-serve is your only option, exercise restraint. “You don’t need to have some of everything,” Young says. She suggests asking if smaller container sizes are available, and taking advantage of the opportunity to weigh as you go. But be prepared for a bigger bill, anyway. Painter and Young both said they have tried to walk away from self-serve stores with small, cheap portions — and failed. On one recent yogurt shop visit, Painter’s dessert weighed nearly a pound: “I got done and my wife says, ‘What did you do?’”

Comments

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

Comments (3 of 3)

View all Comments »
    • This book, by an author who has erenad his chops on the early-retirement message boards, fills in a missing piece in the early-retirement literature namely addressing the specific needs of military staff contemplating early-retirement. It is an important segment since these people get solid inflation-adjusted federal pensions with medical benefits, and after 20 years can credibly contemplate a life beyond full-time work. Because most military personnel are steered by their human resources departments toward transitioning to second careers outside the military, they may not recognize that with careful saving and expense management they have a viable option to stop work altogether. This book addresses that information gap with specific, actionable advice, encouragement for long-term planning, and pointers to a wealth of other resources for role models and guidance into the path of early and semi-retirement.

    • It’s funny, but I’d be willing to bet that the plpoee most likely to criticize you for spending your retirement savings now are the same set that have little-to-no retirement savings in the first place.Us savers know that life is a series of prioritising decisions. You’ve chosen to have a couple years of retirement now, instead of a couple years of retirement later. That seems like a fair tradeoff, and it’s a lot easier to enjoy your time off when you have the health and fitness to do things.[]

    • a vot u nas net normalnogo masyinanoa, tot kotorij est prosto otvratitelnij, a samoj delat vlom) eshe, kstati, net pishevoj sodi, v pirogi prihoditsya himicheskuju levier buhat(

About Pay Dirt

  • Pay Dirt examines the millions of consumer decisions Americans make every day: What to buy, how much to pay, whether to rave or complain. Lead written by Quentin Fottrell, the blog examines these interactions, providing readers with news, insight and tips on shopping, spending, customer service, and companies that do right – and wrong – by their customers. Send items, questions and comments to quentin.fottrell@dowjones.com or tweet @SMPayDirt.

MarketWatch - Stock Market Quotes, Business News, Financial News

New York Markets Close in:

need to know
Burger King to sell hot dogs starting Feb. 23
What to expect from Whole Foods earnings
US Foods files to go public
Salesforce CEO takes stake in Fitbit
NRF expects retail sales to grow 3.1% in 2016
U.S. government runs $55 billion budget surplus

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
S.F. real estate looked like this in 2000, too
San Diego prices sending buyers northward
Location Scouts: Insider intel from top markets

Tesla earnings: Model 3 spending, Model X sales in focus
Tesla earnings: Model 3 spending, Model X

Twitter reports after the bell — what to look for
The Twitter signal that’s giving investors hope
Facebook, Amazon are the keys to this market
Tech money makers can’t make up for losers

A break for zombie-fighting Amazon developers

REIT bonus targets at heart of Brixmor scandal

Burberry sues, says J.C. Penney copied its designs
Hermès sales up 15% on euro, Asian demand

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’?
Convertible bonds are alluring as stocks fall

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
The best places to retire abroad — with friends
Finding the best places to retire abroad
Expat retirees: how life has turned out

The sad truth of why retirement
is a myth


Is it wise to hold onto cash reserves?

Strategists argue stocks need a true purge

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 367604

Markets »

66.19MDow Volume:
Avg Vol: 130.29M
Unchanged
127
Decliners
1794
Advancers
4476
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 16,056 +41 0.26%
Nasdaq
/quotes/zigman/12633936/realtime 4,340 +71 1.67%
S&P 500
/quotes/zigman/3870025/realtime 1,870 +18 0.96%
GlobalDow
/quotes/zigman/629063/realtime 2,094 +10 0.46%
Gold
/quotes/zigman/33772884/delayed 1,193 -6 0.50%
Oil
/quotes/zigman/2260836/delayed 27.52 -0.42 1.50%
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 2,454 -17 0.69%
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 0.30%
Yen
/quotes/zigman/16008150/realtime/sampled 114.07 -1.05 0.91%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 +0.00 0.21%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 +0.00 0.45%
DXY Index
/quotes/zigman/1652083/delayed 96.13 +0.07 0.07%
WSJ $ Idx
/quotes/zigman/41508961/realtime 89.09 -0.19 0.21%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.72 -0.01 0.55%
German 10y
/quotes/zigman/15866409/realtime 0.24 +0.01 2.52%
Italy 10yr
/quotes/zigman/15866497/realtime 1.64 -0.04 2.37%
Spain 10yr
/quotes/zigman/15866444/realtime 1.72 -0.06 3.62%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.42 +0.00 0.13%
Japan 10yr
/quotes/zigman/15866525/realtime 0.01 +0.04 165.64%
Crude Oil
/quotes/zigman/2260836/delayed 28 0 1.50%
Gold
/quotes/zigman/33772884/delayed 1,193 -6 0.50%
Corn
/quotes/zigman/25518691/delayed 360 -1 0.21%
DJIA F
/quotes/zigman/48241424/delayed 15,989 +30 0.19%
S&P F
/quotes/zigman/43106711/delayed 1,863 +15 0.81%
Silver
/quotes/zigman/32655632/delayed 15 0 1.32%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 102.83 3.29 3.31%
AAPL /quotes/zigman/68270/composite 95.27 0.28 0.29%
GOOG /quotes/zigman/59527964/composite 693.55 15.44 2.28%
BAC /quotes/zigman/190927/composite 12.15 -0.06 -0.45%
C /quotes/zigman/5065548/composite 38.08 0.57 1.51%
F /quotes/zigman/264304/composite 11.39 0.04 0.33%
T /quotes/zigman/398198/composite 36.53 -0.12 -0.33%
BP /quotes/zigman/247026/composite 28.09 -0.26 -0.92%
GE /quotes/zigman/227468/composite 28.58 0.30 1.06%
Visit the quote page and your most recently viewed stocks will automatically be displayed here.
Please log in to view your watchlist
MarketWatch Portfolio

World News from MarketWatch

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 15.26% 15.26% 15.27%
Reward 15.28% 15.28% 15.14%
Instant Approval 18.21% 18.21% 18.00%
Bad Credit 22.88% 22.88% 22.73%
Source:CreditCards.com

SPONSORED SECTIONS

Trending Tickers
  • /quotes/zigman/23556538/composite TWTR+4.86%
  • /quotes/zigman/118681/composite TSLA-0.71%
  • /quotes/zigman/13139813/composite SCTY-26.95%
  • /quotes/zigman/245568/composite DIS-3.15%
  • /quotes/zigman/65801738/composite TLT+0.60%
X
Powered by StockTwits
Link to MarketWatch's Slice.

As of July 2, 2013, the SmartMoney content you loved now lives on MarketWatch.

MarketWatch will continue to provide the same important news and information you rely on every day. And, as a MarketWatch user, you will be able to enjoy:

  • Personalized news and quote email alerts
  • Editorial e-newsletters about personal finance, mutual funds and market-specific coverage
  • Premium newsletters by our market experts
  • Games, such as Virtual Stock Exchange and Beat the Darts
  • Free WSJ.com registration