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The Savings Game
For years, The Savings Game has laid down the basic principles of prudent financial planning and helped readers educate themselves about saving and investing. Columnists Elliot Raphaelson and Anya Kamenetz continue this tradition with fresh insights.
Elliot Raphaelson: Former bank executive, lecturer and Florida court mediator, Raphaelson has decades of experience observing the mistakes that savers and investors make.
Anya Kamenetz: Author of the popular book "Generation Debt," Kamenetz is an expert on the financial challenges facing young adults.
The Savings Game Samples
Not happy with return on assets? Try discarding liabilities
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.
Bank errors happen -- and prompt action increases chance of resolution
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.
Pension loans potentially ruinous, often illegal
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.
Regular review can keep your portfolio on track
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.
Playing the cash back credit card game
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.
Avoid shady mobile phone charges
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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