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“ALL the Music That Matters for the Generation That Created Rock 'n' Roll”

Listen while you surf!

 

Free Higher Learning

If you are one of the many who want to keep learning no matter how old we get, you should know that many state colleges and universities waive tuition on courses for residents who are age 60 or older.

In addition there are many free courses available online at sites like:

It's No Gift!

Do you ever receive an email claiming to be from FedEx, UPS, DHL, Amazon or some other business involved in shipping that’s notifying you that a shipment is coming your way – when you know you never ordered anything?

Beware. Courier cons are on the rise. Bogus shipping confirmations contain links that once clicked deliver malware to your computer!

Experts always recommend that you never click on links in these types of emails. Instead, go to the bona fide website of the business that claims to be contacting you and check it out from there.

Staying Ahead of the Con Artists

The name of scam artists trying to con you via your phone or over the internet is increasing. They pose as IRS agents, anti-virus tech support, jury duty managers, bank verifiers and more.

Think you can spot a fraudsters? Most of us think we can, yet more people are getting scammed every day.

AARP has an online quiz that tests your ability to spot a phony. You can take it at aarp.org/fraudwatchnetwork.

To Lease or Not to Lease?

Once you’ve retired, experts say it makes less sense to lease a car than to buy it outright.

Here are their reasons:

1.) While lease payments may be lower than purchase payments, over the long run, buying costs you less over the long run. That’s because after you pay off your car (typically in 5 years), you can drive payment free for as long as you care to continue owning the vehicle.

2.) You don’t have to worry about mileage. Typically, when we retire, travel is one of the activities that tends to increase. With a leased vehicle, you pay penalties for driving more than 12,000 to 15,000 a tear.

3.) Should your lease vehicle be involved in an accident that totals the vehicle, you may be liable for an “early termination fee.” You may be able to avoid such a fee by purchasing gap insurance, but that insurance also creates an additional expense you don’t have with a purchased vehicle

4.) Typically, your regular insurance may be higher as well as the leasing agency requires you to carry a higher accident liability than you might purchase if you are buying the car. This is because the lease vehicle is still legally the property of the lease company. If it’s involved in an accident, lawyers for the other party usually go after the lease company, figuring they have “deeper pockets” than the driver. To protect themselves, lease companies require you to carry higher liability insurance.

However, if you’re the type that likes driving a fancier car than you may be able to purchase or if you like having a new vehicle every 3 years or so, then leasing might still be the way to go no matter your age!

Why You Should Avoid Online Reviews

Once upon a time, people relied on magazines like Consumer Reports before making big purchase decision. Now, people increasingly rely on online reviews. But most experts give those kind of ratings low ratings!

There are several reasons for this. One is that if people have a bad shopping or shipping experience, they tend to blame the product and not the retailer. Second, many consumers are swayed by brand name recognition and are hardly putting these products through scientific testing - the way the consumer magazines do.Thirdly, some products actually have paid people and/or employees to post favorable reviews online (what? I can't believe everything I read on the internet?).

Those who know say smart shoppers still rely on consumer testing experts and NOT online reviews.

What was the name of Rootie Kazootie's dog?

Gala Poochy
O'RyanCordes Marketing