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Elliot Raphaelson, as a former bank executive, university lecturer and court mediator helping people resolve financial disputes, has seen many sides of the savings game. He writes from the perspective of decades of observing and advising savers and investors on how costly mistakes can be avoided. His column is distributed as a part of the weekly The Savings Game feature.
Elliot Raphaelson Samples
A large part of the mail I receive is related to poor returns from the safest investments. Many people have outstanding liabilities with higher interest rates than those now being earned on conservative investments.
Have you ever been the victim of a bank error? A reader writes: "One day last week, one of my granddaughters deposited four checks in an ATM.
Shut out by conventional lenders, people with low incomes or bad credit have long been targeted by high-cost operators offering payday loans, car title loans and the like.
I have had a satisfying banking relationship with JPMorgan Chase for many years. After a week, Chase completed the review and compiled a 16-page analysis of my portfolio. I found the recommendations worthwhile.
Recently, I asked on Facebook for some money questions to answer in this column. Of those who have rewards credit cards, 57.4 percent have cash-back cards, making them the most popular type of rewards program.
The average person is paying over $70 a month on their cell phone bill. With those kinds of prices, it's infuriating to realize that small-time scammers may be sneaking extra charges into the fine print. How do you avoid having this happen to you?
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